Company zvikwereti

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Chikwereti chinoshandira chii?

Pane imwe Company zvikwereti iyo fomu yechikwereti. Vashandi vechikwereti vanoshandiswa kunyanya kusimbisa kuvimbika kwevashandi. Mune chikwereti chemari yechikwereti, chikwereti chinopiwa nemushandi kune mushandi. Mukuita kudaro, chikwereti chebasa hachina kubhadharwa uye kubhadharwa sokufungisisa kwebasa rinoitwa nemushandi.

Chikwereti kubva kumudzidzisi uye zvaanoda

Mari yechikwereti inogona kuva mari yakanaka kune imwe nzvimbo kune chikwereti chekwereti chenguva dzose. Vashandi vechikwereti vanowanzowedzera kufarira. Inonyanya kugoverwa nemakambani kusungira vashandi kune kambani uye kuaikoshesa, nokudaro vachivapa basa rakachengetedzwa munguva yemberi iri mberi.
Apo zvinosvika panyaya yezvikwereti zvevashandi, nheyo yekuenzana kwevashandi vose inowanzoshanda. Nokudaro, vashandi venguva yakazara havabvumirwi kuwana mamwe mazano ekubhadhara akawanda kupfuura vashandi venguva yakazara. Kunyange zvakadaro, mushandirwi haafaniri kupa chikwereti kuvashandi vose. Mari yechikwereti inogonawo kurambwa kana mushandi ari mune chikwereti kana kune mhaka yemari.

Chinangwa, nguva, zvikwereti

Sezvo mutemo, zvikwereti zvevashandi zvinopiwa. Iyo inowanzobhadhara nokuda kwekudzidziswa kwakakosha mitero kana yekutengesa nzvimbo yekuwana. Vashandi vanogonawo kutora chikwereti chavanoshandira kana vachida kubhadhara mari yekambani. Muchiitiko ichi, zvakadaro, mushandirwi anofanira kuzivisa mushandi wezviitiko zvinogona kuitika kana paine kukanganisa kwekutsinhana.
Chikwereti chemushandi hachipi chingapiwa nokuda kwekuwana zvikwata zvekambani.
Kukura kwekwereti yevashandi kunowanikwa pakati pe6 nemwedzi 84. Kana chikwereti chomushandi chinoshandiswa kuwana pfuma, nguva yacho inogonawo kusvika kumakore e25.
Vashandi vechikwereti vanogona kukweretwa kubva kumazana mashoma Euro kusvika mazana ema Euro.

Mari nezvibereko

Mari inowanzopomerwa mhosva yekubhadhara zvikwereti. Kana chikwereti chemushandi ichipiwa chikamu, kambani inobhadhara mari inobhadhara. Mari yekubhadhara mari inogona kubhadharwa kuburikidza nesangano rekuvaka 1 kusvika ku1,6 muzana yemari. Kana chibvumirano chekuchengetedza chivakwa chichikurumidza kuunzwa kubatana nekubatsirwa nemari yechikwereti, uye nenzira ye damnums, zvizere zvekubhadhara zvinogonawo kuitika. Kufambisa uye kuvhara mari inogona kubhadharwa nekambani yakazara.
Kana chikwereti icho chikwereti chakanaka kubva kumushandi, chikwereti chekufarira chinogona kusarudzwa zvakasununguka. Zvisinei, iyo inobatsira inharaunda inowanzove iri pasi pekuda kwezvikwereti kune zvimwe zvikwereti. Inhara yekutora inogona kugadziriswa kwehutano hwakakwana kana kubatanidzwa zvakasiyana-siyana kumutengo wekutarisa. Iyi ndiyo iyo Euribor kana kuti ECB inogona kushandisa nhanho dzinokosha. Vashandi vezvemabhizimisi vakawanda vanowanzotora chikwereti chekutora chikwereti chemari chikwereti ne 60% chikwereti chekutengesa pachinotarisa chikwata chekufarira.
Vashandi vechikwereti kune zvivako zvinowanzobhadharwa nesangano rekuvaka. Kazhinji chikwereti chinokwidziridzwa chakavakirwa pamutengo unosarudzwa nekambani. Kuvaka zvikwereti zvemari chikwereti zvinodhura zvakanyanya kudarika chikwereti chemari.

koratararo

Vashandi vechikwereti vasina chinangwa vanowanzogoverwa vasina kubhadhara. Kubhadharwa ndezvekuti, pamwe chete nemubairo. Nenzira iyi, muzvinabhizimisi anopiwa rusununguko rushoma, chero bedzi mushandi ari kushanda mukambani.
Muzvinyorwa zvevashandi vechikwereti zvekugara kweimba, kudai kwakachengetedzwa nekunyorera mubhuku renyika.

Rating: 4.0/ 5. Kubva muvhoti re1.
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