Sei kutora chikwereti?

Zvikwereti vava mukurumbira chaizvo munyika yedu, uye zvichida munyika. Pashure pezvose, vanhu vakawanda kunze mari haazivi sei, kana anogona, asi vachida kuwana chinhu ichi izvozvi. Panguva ino, chikwereti anogona kutora chero chaunoda, uye nhare, uye motokari uye mufurati. Zvinosuruvarisa, kwete zvose aiziva zvose nezvehukorokodzwa mbiri uye nemhaka nokuwa izvi mari yakawanda kuti anopiwa kuti kare akapfuma bhengi. Kuti zvakanaka atore chikwereti unofanira zvishoma kunzwisisa zvose nezvehukorokodzwa zvikwereti, uye havasi zvikuru.

Vose mabhanga, pane zvakawanda urongwa mutero: kumusoro-goho, mari shoma uye mari pakati. Bank mushandi, pamwe kunyoresa kwemutongo, nguva dzose kutarira murume uye ari kuedza kumanikidza pamwero mari. Bank mushandi muhoro kunoenderana wakakodzera chikwereti, kana chikwereti achava runobatsira kubhangi, bhengi mushandi, zvichiita panze chikwereti, kuwana basa rakanaka, uye kana nyaya mari shoma zvazvingava, bhengi achawana zvishoma uye akapotsa haana kushanda. On dzakasiyana, zvichienderana nengozi nenhumbi ine yayo yechimbadzo overpayment. Somuenzaniso, kana iwe tora chikwereti kuti midziyo kombiyuta, hazvingaiti kuti yose chitsama overpayment achava pazasi 26%. Kanenge muguta redu, handina kumboona zviitiko zvakadaro.

Vanhu vakawanda vanoda chikwereti pasina pasi mubhadharo. Chero zvazvingava iwe haugoni kutora kubva chikwereti kubhengi pasi ezvinhu akadaro. Overpayment pane anowana unopenga, kwete chete nokuti chikwereti yakawandisa achikura ari overpayment, asiwo nokuti kubhangi kuti kuwedzera mikana pamwe chikwereti ichi uye mikana anokomba iri mari chikwereti. The zvakawanda mukana kufoira kuri zvakawanda pano.

Unofanira kukoshesa kukudzwa zita, akadai "10-10-10". Izvi inofananidza kureva kuti kutanga kuripwa 10 muzana, chikwereti chinobviswa kuti 10 mwedzi, uye overpayment ndiyo 10 muzana. Musazvitenda. Ivo Achakuratidzai mari unofanira kubhadhara pamwedzi, asi iwe kana ngaaverenge mari overpayments kusvikira karukureta chichava kwete 10%, asi Somuenzaniso, 30-40 kana kunyange 50%. Most overpayment rinobva chokwadi kuti pachine chinhu chakadai inishuwarenzi uye inishuwarenzi ichi zvinokosha mari. Chaizvoizvo, kana iwe tora chinhu chakakodzera 20 zviuru. Rubles kuti mutero ichi chirongwa, kuti overpayment achava 2 zviuru. Rubles, uye inishuwarenzi achava mari 5-6 rubles, uye dzimwe nguva 8 fung. Rubles. Saka, usati kusaina kadhi chibvumirano, dzinovabata foni, svinudzai karukureta uverenge, kuti benzi iwe kana kwete.

Ndave kugadzira makombiyuta, uye dzimwe nguva ndinobatsira vanhu kutenga makombiyuta, vamwe vatengi kutora chikwereti. Kakawanda zvakanga uchibvunza kuti ape mbiri yakadaro mutero urongwa ane overpayment 26%. kakawanda vakakumbira, munofunga kuti chokwadi, uye overpayment achava 26% vanoti kuti. Zvino ari karukureta pachayo achaverenga, zvinoitika kwete 26%, uye 36% kana kupfuura. Saka usambofa kuvimba mubhanga vashandi uye kuita zvose check shure karukureta, riri ose runhare.

Nokutevera mitemo iyi uye ruzivo nuances izvi kuchakubatsira kuponesa atambira mari yako nesimba.