dhipoziti kubhadhara

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Chii chinoshandiswa?

Mashoko anonyanya kukosha, saka tinoda kukupa zvinhu zvinokosha kupfuura zvese dhipoziti kubhadhara uyai pedyo.
Kubhadharwa mberi kunonziwo kubhadharwa mberi, kubhadharwa kubhadharwa kana kubhadharwa kwekubhadhara uye kunoshanda senhare kumutengesi uye mutengi kana mutengi zvakafanana.

Ndeipi mari (deposit)?

Nokuda kwekutenga kukuru zvakadai sefenitheni kana kunyange imba (kubva kune vatengesi vari voga), izvo zvinonzi mari yekuisa mari inowanzodiwa.
Zvinhu kana mabasa haasati aendeswa kana kuiswa mune izvi zviitiko.
Izvi zvinowanikwa nehuwandu hwehuwandu hwehutengo hwekutenga (kazhinji 10%) uye hunowanzotumidzwa sechikamu chekutanga kana kuti chiyero.
Zvimwe zvikamu zvikamu kana zvikamu zvekugadzirisa zvino zvichaitwa maererano nesungano kana kontrakiti.

Muenzaniso mutsva:

Nzvimbo inorarama inodhura 1.000, - Euro
Imba yekuchengetera yako inoda 10% pasi kubhadhara, iyo inenge iri 100, - Euro.
Mushure mekubhadhara kwei imba yacho yakachengeterwa iwe, nokuda kwekuchengetedzwa kwakarurama.
Zvose, kureva 900, - Euro iwe unobhadhara paunotora.

Kunyanya kuwanda kweizvi ndezvekubhadhara pasi pazvikepe kana kufamba, sezvo izvi zvinowanzonyorwa kure kwazvo.
Asi zvakarewo njodzi yekuregererwa kwekambani yekufambisa haina "kuiswa" kune mufambi.
Nokuti ichi pane mitemo yakasiyana kubva munyika nenyika zvakadini pasi muripo iwe kuita, muGermany neAustria uye EU atsanangura mutemo kuti chete inokosha kunze rubatso pamusoro 20% hamufaniri kupfuura.

Zvechokwadi kunewo mitemo yakasarudzwa pano.
Mutengesi anogona kuronga kubhadhara mari yacho nokuda kwekuchengetwa kwezita, kutengeswa kwezvinhu kana kushanda kwebasa racho.

Nheyo dzepamutemo dzekubhadhara pasi

Sezvo uine chikwereti, hauna CHINOKUDZIDZWA nokuda kwekubhadhara pasi.
Izvi zvinogona kubvumirana sechibvumirano chebasa rakasarura kana mutengesi kana mupiki webasa anopa izvi.

YAMBIRO!
Kana chibvumirano chekutenga chibviswa, iwe une kodzero yekubhadhara iyi mari yekudzokera uye uwane izvo zvinonzi kudzorerwa.

IMPORTANT!
Kubhadhara kuripo hakufaniri kuvhiringidzika nekubhadharwa kwepamberi!
Izvi zvinoreva kuti chikamu chebasa chave chagoverwa asi chisati chagadziriswa.

Somuenzaniso, nokuda kwebvumirano yebasa:
Muvezi ave atosimbisa chikamu chemasvingo, atowana kugamuchira kubvumirana.
Apo rusvingo rwakapera, izvi zvaireva pfuma mukukosha, izvo zvaireva kuti mushandi aifanira kubhadhara imwezve mari yekubhadhara kuti awane mari chaiye.

Chii chinorehwa nesitima-ku-chitima chirevo?

Ichi chirevo chirevo chemurairo weGermany wezvisungo.
Zvinoreva kuti munhu ane chikwereti haasi kumanikidzwa kusungirirwa kumunhu ane chikwereti, asi anosungirirwa chete kana chikwereti ichiita basa rake.

Izvi zvinongova, kana chete uyo ane chikwereti (mumutengo wemutengi) akaita chikwereti chake pasi uye mukwereti (mutengesi kana mupiki webasa) ave achiita basa rake, zvinhu zvose zviri pamutemo.

chitima ichi kudzidzisa musimboti anokwevera kodzero dzayo kusvikira vanonzi vatevedzere zvekufamba (kune kudare kuburikidza nebato nokuda asiri mabasa), nekuti vaigovera zvekufamba vanogona chete kutanga kana chibvumirano kwave zvakazara asangana, kureva mubhadharo uye waivako rwaiitwa.

Kuti uenzanise nenyaya yekubhadhara mari, panewo vhidhiyo duku, iyo inokupa pfupiso yepamusoro yepfungwa dzinokosha.

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