Nhaka mari deposits pasi pemurairo

Zvinozivikanwa kuti nhaka kwakaoma chaizvo uye refu muitiro. Pasi pemurairo, munhu anogona kutanga zvakarurama mwedzi chete ichi mitanhatu pashure musi rufu akaiita. Nemamwe mashoko, sezvo pakuvhurwa nhaka ukapfuura mwedzi mitanhatu. Panguva ino, vose venhaka vanoti kodzero yavo imwe chikamu yavatezvara wemufi. Kana munhu aiva rokubhengi, hama, kuti uzviwane, unofanira kugadzira nhamba magwaro uye zvirango. Nhaka mari deposits - rinorema nzira kuti mari anogona kushandisa vanhu vari akakodzera venhaka.

Sei kodzero nhaka?

By mutemo, mari yose wemufi, kunyange zvazvo vari mubhangi kana kwete, kuenda chinotevera hama. Kuti vawane mari, vanofanira kuenda kuburikidza nzira yokugara. Features dzenhaka mari deposits vari mari vari kuti vakagamuchira. Asi kutanga, unofanira kutanga kodzero iyi. Kuti aite izvi,

• Notarial kuda, pamberi gwaro rakadaro. Zvisinei, kana yapiwa munhu aiva vaduku kana paanofa, haangakanganwirwi zvakazara kutevedzerwa.
• Testamentary nemafungiro, nokubuda pakati mubhangi. Kana iwe uvhure rubatso, zvemari, achiposa nemasangano testamendi, panyaya pokufa depositor, mukova iri kodzero yokugara ichipfuura itsanangudzo muitiro.
• Kuita mukova nzira. Maererano nomurayiro nhaka unongova vabereki, madzimai nevana vanoti. Akatevera mumutsetse ndiyo dzepedyo hama uye paanofa vaiva nourongwa wemufi.

Nhaka mari deposits

Vanhu vazhinji vanoshamisika, apo iwe kutanga? Magweta ruzivo vari varumbidzwa kushanyira hofisi gweta, kuti zvakanga zvakabatanidzwa mufi, uye ipapo vanoti nhaka. Kuti vawane mari kubva deposits, zvakakodzera kunyora mashoko. Pashure pokutarira gweta ake achava ngaateme gwaro iyo pamutemo kunosimbisa kodzero yenhaka.

With gwaro iri unofanira kuenda kubhengi apo mari ndiwo. Dzidza pamusoro Kuvapo kwavo, unogona kushandisa chero zita gwaro. Vashandi mari-chikwereti masangano ritsigire zvinotevera:

• kodzero nhaka vagari vakashandisa kubhangi;
• kuvapo wemufi uye mugari wenhaka zvikwereti, kana chokwadi ichi kunosimbiswazve, wacho vanosungirwa kubhadhara chikwereti yose.

Kana mubhengi mushandi kugutsikana Mvumo iri mutsivi kodzero uye akaona zvakanaka zvikwereti nhoroondo, zvinotora chisarudzo chakanaka. Izvi akashuma ari kunyorera gweta, iro rakanga vakanyorwa maererano vashakabvu.

Chii Zvinyorwa inodiwa kuti vawane mari nhaka?

Nhaka mari deposits - a yakaoma muitiro. Kuti tiwane mari yose unofanira kuzviisa magwaro anotevera:

• pasipoti (uchapupu nokuzivikanwa). Kana mutsivi ari asiri mugari, anofanira kuratidza zvakawanda uye vhiza (akashandurirwa Russian);
• mubhengi kadhi uye passbook chibvumirano;
• rufu chitupa;
• chido (kana iripo).

Pasina bepa, achisimbisa kodzero nhaka, unofanira kupa gwaro ichaita zvinoratidza kuvapo ukama. Kana paine testamentary nemafungiro, ipapo kopi notarized gwaro, zvinofanira kuratidzwa. Kana chisipo, bhengi akapa gwaro achisimbisa kodzero nhaka pasi pemurairo. Mushure mapepa ose anodiwa kunge aunganidzwa, unofanira kumirira mwedzi mitanhatu. Shure iyi, mugari wenhaka muchagamuchira zvose mari yaakanga aifanira.

Mupiro nechido

Pasi pemurairo, chero mugari, akazarura rokubhengi, anekodzero ape kuda. Mairi, yaanosarudza achawana mari kana rufu. Venhaka kungava hama, chero vanhu uye masangano. Akaiita anekodzero dzokurasa anogoverana mari sezvo zvakakodzera. Zvisinei, pane boka revanhu, zvisinei zvido depositor anekodzero nhaka.

Izvi, Chokwadi, kutaura pamusoro vabereki, madzimai nevana yemufi. Izvi akawedzera kuti yevana uye paanofa. Pasinei gwaro chaiyo, vanhu ava vanofanira kuva chikamu nhaka - dzinenge hafu. mari deposits testamentary nyore zvikuru muitiro. Kuti tiwane mari, kuti mugari wenhaka anofanira rwakabhadharwa kuna gweta pamwe chikumbiro nhengo pamurairo, rufu gwaro, kuda uye chero kubhengi pamutemo mapepa. Kana waita zvakarurama, asi gweta kuchaita ngaateme gwaro kusimbisa kupinda nhaka.

Nhaka mari deposits pasi pemurairo

In tsika, kazhinji pane zviitiko apo vasipo ane chido, ipapo nhaka kunoitika maererano mutemo ano. Pane pamwe nekurutsa sere vanhu vaizviti nhaka zvichienderana mwero ukama. Zvinoshanda nenzira iyi: ose mumiririri chinotevera sechinhu dzakazara kurwa pasina yapfuura mumwe. Kuti uone akakodzera mugari wenhaka ari dzinounzwa mwedzi mitanhatu. Panguva ino, vose vanhu vanozviti kugamuchira pfuma, vanofanira kushanda kune gweta pamwe magwaro anodiwa.

mari deposits nhaka pasina kuda rinopfuura zvishoma yakaoma. Dambudziko iri kuziva akakodzera munhu anoti chinhu ndechake. Kana achireva wenhaka kuti gweta vanofanira kuzviisa magwaro anotevera:

• pasipoti (uchapupu nokuzivikanwa);
• rufu chitupa;
• chido, kana ipi neipi;
• pamutemo mapepa ari pamahombekombe;
• rwokuramba dhigirii ukama.

Taongorora mafomu ose, ari gweta mabasa zvichienderana nemurairo. Anofanira ngaateme rugwaro munhu ndiye mugari wenhaka wechokwadi. Pamusoro expiry mwedzi mitanhatu, wacho anogona kutora zvose kwokuvimba uwandu.

testamentary nemafungiro

Mazuva ano, vanhu vakawanda vari kunetseka zvichaitirwa mari dzavo, saka nhaka mari deposits awana inokosha. Vanoita kazhinji kuti riwanikwe kubhangi, uko mugove dzinounzwa venhaka. Gwaro iri vakanyorwa kuti hake chikumbiro. Kuti vawane nhaka testamentary nemafungiro zvakakodzera.

Zvisinei, pane zvimwe zvinhu:

• kana wacho afa haana hama uye hapana kuda zvakanyorwa, mari yose vakapfuurira mamiriro;
• ari investor anekodzero disinherit vamwe vanhu, achinongedza nayo kuda kwake;
• chikamu dhipoziti kuwana vanhu kuronga mariro;
• mubhengi dhipoziti vawana pfuma ichaongororwa, saka, hafu pakuverengwa inoenda asara naye (mukadzi);
• kana mugari wenhaka ari muduku, anogona kutanga chaipo pazera remakore 18;
• kana kuda haana kutaridzwa mugove venhaka, ivo vaiona vakaenzana.

In tsika, Muzviitiko nhaka kazhinji panomuka mumatare. Pakati vehurumende dzenguva, ndivo zvezvisarudzo akawanda. Court kusarudza nhaka nomupiro dzibvise akagamuchira iri dzinenge nguva dzose vachida avo vari kumusoro ari mutsetse.

mutero

Panguva iyoyo, nyaya hunodzorwa mutemo yeUnited wakadzikwa muna January 2006. Maererano normative pamutemo kuita mari mipiro nhaka hakusi taxable. Asi panofanira kuva Akave nokuvandudza. Fanira kubhadhara kuti nhaka hazvitsivi vanhu vari vamiririri wokutanga pachikuva, uye vagari vaitambura munzanga. Vanosungirwa kupa mari hurumende kubhadhara, iyo yaiva 0.3% kubva dhipoziti uwandu.

Other Mapoka ose vamhan'ari kubhadhara kubva 5 kusvika 15% achinyima mutero pa caffeine kana kutamira imwe nhoroondo. Pano, magweta vari zano kubvunza nevateresi masimba, sezvo mitemo vari dzichichinja.

Sei ndiwane mari mberi nguva?

Kunyange zvazvo mutemo anovamba mwedzi mitanhatu-nguva yokuziva vamhan'ari vavo kodzero, pane zviitiko apo unogona kuwana mari mberi nguva. Somuenzaniso, chikamu mari yakapiwa vanhu vari mubasa pemariro, kazhinji shamwari kana hama.

Uyezve, mari inogona kugamuchirwa kana vakanga vakapedza panguva upenyu wemufi ari kurapwa kwake. Hurumende inopa mugove uwandu kuti zvinangwa izvi pamberi wava. Sangano pamariro uye kurapwa haagoni dzinounzwa zvinopfuura 40 000 rubles. Kuti tiwane mari iyi, unofanira kuzviisa mubhangi aiise chisarudzo vaipupurirwa.

simba gweta

Kana munhu, uyo kubudikidza murayiro mukuru wacho haagoni kushanda kune gweta kana kubhengi kunoda ezvemutemo panhaka mari deposits. Kazhinji, pakusarudza kwamira pamusoro kupfuura pachena nzira - simba gweta. Izvi zvinoitwa pamahombekombe panguva kondirakiti. Muchiitiko chino, chero hama kana shamwari, iye akaita simba gweta vanogona kugamuchira mari.

Kuti muchidimbu, zvinogona kucherechedzwa kuti mari deposits nhaka kwacho iwayo mirefu. Mamiriro acho ezvinhu nyore kana vashakabvu vakaita kuda umo vose richiparadzirwa mugove. Panyaya iyi, pasi magwaro anodiwa kuti gweta, pashure pemwedzi mitanhatu, mugari wenhaka muchagamuchira zvose mari kuti aifanira pasi pemurairo.