chezita chimbadzo

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Chii chinonzi chido chekuda?

Der chezita chimbadzo iine mhando yemari inofarira. Iko rudzi rwekufarira ndeyokubvumirana kweruzhinji, iyo inokweretwa chikwereti kana kuti chii chaunowana nekuda kwekutsvaga mari. Icho hachirevi chero mari yakawedzerwa yakadai seyekubhadhara mari. Nguva yegore rimwe inowanzoshandiswa kune chido chekufarira. Izwi rokuti "pa" rinomiririra "gore negore" uye rinobva kuLatin "perno".

Muenzaniso: Zvinyorwa zvinyorwa zvinoshandiswa kuverenga

Fungidzira iwe unokwereta kubva kuchikwereti chekwereti chiyero che10.000 Euro pamutengo wekuda kwe4%. Saka, iwe unofanira kubhadhara 400 Euro chido gore negore. Iri mari haifaniri kuvhara chero mari yakawedzerwa inogona kuwira iwe.

Kusiyana pakati pemazita ehurumende uye mari inobatsira

Zita rekuda mari inogona kunge yakasiyana nemutengo unobatsira. Nhamba inofarira, iyo inoumbwa nemutengo wekuda kwezvibereko uye zvimwe zvikamu, inosarudzwa seyo inobatsira chikwata.

Zvichienderana nezvenyaya iyo chikamu chekufarira chinobvumirana, ruzivo rwehuwandu hunobatsira runogona kusanganisira zvakasiyana nedzimwe mari. Mamiriro ekubhadharwa kwakabvumirana uye kubhadharwa kwezvikwereti kunewo basa.

Chikwereti zvikwereti zvinogona kubhadhara kushandiswa kwemari. Izvi zvinoshandiswa mukutengesa zvinowanikwawo muhuwandu hwehuwandu hwekuita. Muchiitiko ichi, iyo inobatsira inharaunda inowedzera pamusoro pemutengo wekuda.

Paunokwereta mari, iwe haufaniri kungwarira kwete chete chiyero chekuda. Ndapota fungawo nezvehuwandu hwechikwata kune huwandu. Izvi zvinofanirawo kutsanangurwa.

Muenzaniso: Funga kushandiswa kwemari

Funga nezvemuenzaniso kubva pakutanga. Iwe unokwereta 10.000 Euro uye unobvumirana nemutengo wekuda kwe4%. Maererano nehuwandu hwekuverenga, iwe uri kubhadhara gore rose 400 Euro - asi zita rekuda kwechido rinovharwa. Kakawanda mari yakawedzerwa yakawedzerwa.

Ngatitii bhangi Your akapomerawo munhu sandara zvazvingava € 100 kubudiswa mari pagore. In kukarukureta ichi muenzaniso, iwe hauchafambi kubhadhara 400 euros pagore asi zvinobudirira 500 euros. 500 Euro ye10.000 Euro ndiyo 5%. Kana pasina imwe zvakananga kana zvisina kunanga mari anowedzerwa, saka kubhadhara ane Apr pamusoro 5%, kunyange zvazvo aizviti chimbadzo anoramba pa 4%.

Kusiyanisa pakati pezita rezvinyorwa uye chaicho chido chekuda

Kufarira kwechokwadi kunobvawo kune zita raunofarira. Kuti uone chidimbu chaicho chechido, unofanirwa kuisa mutengo wekuwedzera mukutora kwako. Iko kufarira kwekufambisa kunogona kureva kudengenyeka kwekare (ex post) kana kuti ramangwana rinotarisirwa chibereko (ex ante).

Icho chido chekufarira chinogona kunge chisina kunaka kana inflation iyo iri pamusoro pemutengo wekuda.

Muenzaniso: Kuongororwa nekukurumidza kwechido chaicho chechido

Fungidzira iwe wakapa mari yako nebhangi uye wakabvumirana pane zita raunofarira chikwata che 5%. Kana kuwedzera kwechikwereti kuri 2%, zvinotevera zvinowedzera kuwanikwa:

5 - 2 = 3.

Mumuenzaniso uyu, chido chaicho chaicho chinoda kusvika 3%. The chaiwo kukarukureta chaidzo chimbadzo zvakawanda kunzwisisa - asi ichi kukarukureta ine muzviitiko zvakawanda kunoita munhu ine pfungwa, yakakwirira sei kana kwete panguva chaiyo chimbadzo.

Yakagadziriswa uye inoenderana nehuwandu hwekuda

Zita rekuda mari inogona kunge iri nhamba yakagadzikana kana kuti inoshanduka yakajeka. Iko kushandiswa kwehuwandu hwechikwata kunosungirirwa kune imwe yeruzhinji, kana, pamutengo wemari. Kusiyana neizvi, chikwata chakasarudzwa (chakasimbiswa) chikwata chekuda chinoratidzwa nenhamba chaiyo.

Asi zvakadaro, chikwata chechikwata chinogona kuchinja zvakare. Zvisinei, shanduko iyi yakabvumirana. Semuenzaniso, zvinokwanisika kuti chikwata chekudavira mugore rekutanga chiri 4%, mugore rechipiri 4,5% uye mugore rechitatu 5%. Chibvumirano chakadaro chakaiswawo mubvumirano yakanyorwa.

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