Chikwereti chakachengetedzwa nefurati muna 2022
Pane zvigadzirwa zvakawanda pamusika wekukweretesa: kubva kuchikwereti chemari pakarepo pazuva rimwe chete uye makadhi ekubhangi kuenda kumarenji uye zvikwereti zvinochengetedzwa nefurati. Tichataura pamusoro pekupedzisira pamwe chete nenyanzvi, sei uye pasi pemamiriro api zvakanakisa kutora chikwereti chakadaro muna 2022

Kune ngano dzakawanda pamusoro pezvikwereti zvakachengetwa nefurati paWebhu: vanotya kuti nenzira iyi masangano emari anonyatso "kusvina" real estate, uye dhizaini yacho yakaoma zvekuti vanokweretawo zvavo vasina dzidzo yepamutemo kana yehupfumi havagone kuzviona.

Chokwadi, sezvese zvine chekuita nezvemari, zvikwereti zvakachengetwa nefurati zvinoramba zviri nzvimbo ine simba ine akawanda nuances. Kana usingazive kuti zvikwereti zvakadaro zvinoshanda sei, unogona kudzungaira uchienda kumagumo emari. Isu tichataura nezve mamiriro ekutora chikwereti chakachengetedzwa nefurati muna 2022, mabhanga anovapa uye kutaura nenyanzvi nezve maitirwo evatengi vanogona kuwana mvumo.

Chii chinonzi mortgage loan

Home loan ichikwereti chinopihwa nemukwereti kune mukwereti nemhindu. Zvisungo zvemukwereti ane chikwereti chakadaro zvinotsigirwa nehomwe yeimba.

Ruzivo runobatsira nezve mortgage zvikwereti

Mari yechikwereti*19,5-30%
Chii chichabatsira kuderedza chiyeroGuarantors, co-vanokwereta, basa repamutemo, hupenyu uye hutano inishuwarenzi
Nguva yechikweretikusvika kumakore makumi maviri (zvishoma kazhinji kusvika kumakore makumi matatu)
Zera rokukwereta18-65 makore (zvishoma kazhinji 21-70 makore)
Mafurati api anogamuchirwaiyo nzvimbo, nhamba yemakamuri uye pasi mumba hazvina basa, chinhu chikuru ndechekuti imba haisi yekukurumidzira, zvese zvekutaurirana zvinoshanda.
Registration term7-30 mazuva
Kukurumidza kubhadharaChenjerera!
Zvinoita here kushandisa maternity capital uye kubvisa muteroAihwa
Kusiyana nemortgage Nechikwereti, mari inopihwa yekutenga imwe nzvimbo, kana iri chikwereti chakachengetedzwa nefurati, iwe unosarudza kwauchashandisa mari yakagamuchirwa. 

*Avhareji mareti echikamu chechipiri che2022 anoratidzwa

Kana mutengi achikumbira kubhangi nechikumbiro chechikwereti, sangano rezvemari (nenzira, haigoni kungova bhangi chete!) Inotarisa kuti yakawanda sei uye pasi pemamiriro api anokwereta anoda. Nzira iri nyore uye nekukurumidza yekutora kadhi rechikwereti. Asi iyo minus yechigadzirwa ndiyo ine mwero huwandu hwechikwereti uye kudiwa kwekukurumidza kubhadhara chikwereti, zvikasadaro mhindu ichatanga kudonha.

Unogona kushandisa chikwereti chekare. Mari yacho yose inopiwa nokukurumidza, uye unoidzorera zvishoma nezvishoma mwedzi woga woga. Zvisinei, kuitira kupa mutengi mari, bhangi rinofanira kuva nechokwadi chekuvimbika kwayo. Naizvozvo, angangoda kuti uuye nechitupa chemari, tsvaga maguarantors, co-kwereta, zvichingodaro.

Unogona kuratidza kuvimbika kwako nekupa pfuma sechibatiso. Somuenzaniso, imba. Iyi mhando yezvivakwa ndiyo inonyanya kudiwa mumunda wekukweretesa kwakachengetedzwa. Bail inzira yekuchengetedza. Ndiko kuti, mukweretesi, sezvazvakaita, anozvisimbisa pachake pamusoro pekusabhadhara chikwereti nemutengi.

Kana chikwereti chikasabhadharwa, bhangi kana imwe sangano rezvemari inofanotaura pasi pemitemo yeFederation kuburikidza nedare, mushure mezvo imba yacho ichaiswa kutengeswa. Kurasikirwa neimba yako chete kunotyisa. Asi kana ukabata nemukweretesi ane hana yake, saka haakwanisi kutengesa imba yemukwereti. Pano mutemo unodzivirira zvido zvemukweretesi nemunhu. Mukuwedzera, zvinobatsira kune ane chikwereti kuti munhu wacho anoramba achibhadhara, saka haazofaniri kutarisana nematare emutemo uye kupora.

Chivimbiso chakanyoreswa mumagwaro eRosreestr - dhipatimendi iri rinochengeta marekodhi ezvivakwa muNyika Yedu. Imba yakadaro haigone kutengeswa pasina mvumo yemukweretesi. Panguva imwecheteyo, hapana anodzinga muridzi, chero bedzi achibhadhara chikwereti nenguva.

Mabhenefiti ekutora imba yechikwereti

Kwenguva yakareba. Chikwereti chenguva dzose chinopiwa paavhareji kwemakore 3-5. Chikwereti chakachengetedzwa nefurati chinogona kubhadharwa kusvika kumakore makumi maviri nemashanu kana bhangi rikabvuma mamiriro aya.

Zvido zvakaderedzwa zvemufananidzo weanokwereta. Isati yapa chikwereti, sangano rezvemari rinoita zvibodzwa zvemunhu angangove mutengi, kureva kuti, inoongorora kugadzirisa kwayo. Inotarisa kuona kana kune zvikwereti mudhatabhesi yevabati (FSSP), zvikwereti zvisina kubhadharwa, kana paine kunonoka kwekare pazvikwereti, kana paine basa repamutemo. Chero cheizvi zvinhu zvinokanganisa zvibodzwa zvibodzwa. Chitsidzo chefurati chinogona kuderedza zvimwe zvekusaziva, uye nekudaro kuwedzera mukana wekubvumidzwa.

Mari yechikwereti inogona kukwira. Mukweretesi akazviitira inishuwarenzi yekusabhadhara uye anogona kubvumidza mari yechikwereti yakakura kupfuura pasina rubatso.

Kugadzirisa uye kugadzirisa zvikwereti zvavo. Fungidzira kuti mukwereti akaunganidza zvisungo zvakawanda kumabhangi akasiyana-siyana nevamwe vakweretesi. Anogona kutora mari yakawanda, kubhadhara zvikwereti zvose uye kubhadhara chikwereti chimwe chete.

Unogona kuramba uchigara mufurati. Gadzirisa ipapo (chinhu chikuru ndechekuita pasina kuvandudzwa zvisiri pamutemo), kunyoresa maroja kana kuirenda. Asi vamwe vanokweretesa vanorambidza kuendeswa kwedzimba.

Nokuda kwechinangwa chipi nechipi. Mukweretesi haabvunze zvaunoda mari yacho.

Below rate. Paavhareji, ne4% pane chikwereti pasina rubatso.

Cons dzekutora chikwereti chakachengetedzwa nefurati

Kuwedzera mari. Chikwereti ichi chinouya nemari. Kutanga, nokuda kwekuongorora kweimba. Kune masangano akakosha anounganidza maalbum evaluation. Vanotumira nyanzvi, anoongorora uye anotora mifananidzo yadhi, imba, mukova, imba. Somugumisiro, inosarudza mari yeimba. Basa racho rinodhura 5-000 rubles. Mari yechipiri ndeyeinishuwarenzi yezvinhu. Mukweretesi anofanira kuva nechokwadi chekuti hapana chichaitika kune chibatiso.

Haikwanise kutengeswa pachena. Chipikirwa hachibvumiri muridzi kuti abvise zvachose imba yacho, kuitira kuti mukwereti arege kutengesa imba kamwe kamwe pasina mvumo yebhangi. Mabhangi anozeza kubvumirana nekutengeswa, pamamiriro ezvinhu ekuti mari kubva pakutengesa ichakurumidza kushandiswa kubhadhara chikwereti.

Unogona kurasikirwa nemba yako. Kana iyi iri imba yako chete uye uchigara wega, saka mutoro wese uri pauri. Asi kana uine mhuri, hama, uye ukasakwanisa kubhadhara chikwereti, uchafanira kutsvaga imba yenguva pfupi.

Mutengo weimba yacho hauna kuenzana nehuwandu hwechikwereti. Chikwereti chinopa huwandu hwe80% yemutengo wezvivakwa, chero iwe uchipa zvirevo zvemari, co-vanokwereta, guarantors, zvichingodaro. Mukweretesi anoda kuve nechokwadi chekuti kana paine simba majeure achakwanisa kukurumidza kutengesa chinhu kuti adzorere mari yake.

Yakawedzerwa nguva yekugadzirisa. Paavhareji, kubva kumavhiki maviri kusvika kumwedzi mumwe.

Mamiriro ekutora chikwereti chakachengetedzwa nefurati

Anokwereta zvinodiwa

Zera 18-65 makore. Vanokweretesa vanogona kushandura miganho yekumusoro neyepasi. Vanhu vari pasi pemakore makumi maviri nerimwe havawanzopiwa zvikwereti zvakakura.

Citizenship yeFederation uye kunyoreswa, kureva kunyoresa. Vatorwa vanotariswawo, asi kwete ese mabhangi.

Nzvimbo yekusingaperi yebasa uye mari yemwedzi yekupedzisira ye3-6. Kwete zvinosungirwa, asi zvinodiwa. Kana zvisina kudaro, chiyero chichava chakakwirira.

Zvinhu Zvinodiwa

Apartments haina kutariswa: 

  • mudzimba dzechimbichimbi;
  • non-privatized;
  • pakati pevaridzi pane vadiki kana vasingakwanisi;
  • idzo dzinobuda mudare redzimhosva kana dziri nyaya dzemakakatanwa mudare.

Zvinhu zvinofanirwa kuchenjerera:

  • iri kuvakwa;
  • dzimba dzokugadziridza;
  • migove mufurati;
  • makamuri mufurati revanhu vose;
  • dzimba dzekare (dzine uriri hwemapuranga);
  • pasi pekusungwa;
  • vakatovimbiswa, semuenzaniso, pasi pechikwereti;
  • kana vana vakanyoreswa, pakati pevaridzi pane vakaenda kuhondo kana kuti vari mujeri;
  • imba yacho ichangobva kugarwa nhaka;
  • imba yacho inosanganisirwa murondedzero yenhaka yetsika;
  • furati muZATO (akavharwa maguta muFederation, uko kunopinda nekupfuura).

Apartments, zvivakwa zvekugara, mataundi edzimba anotorwa nemoyo wese, asi zvekutengesa zvivakwa zviri pakufunga kwebhangi.

Imba yacho inofanira kuva nekudziya, mvura, magetsi. Mamwe mabhanga anoisa chimiro paimba. Semuenzaniso, inofanira kunge iine makamuri mana nemauriri maviri.

-Imba yacho inofanirwa kunge iri mvura uye iri muguta kana musha uri padyo neguta. Izvi zvinodiwa kuitira kunyatsoongorora imba yacho, uye kana zvichidiwa, kurumidza kuitengesa. Saka, dzimba dziri munzvimbo dziri kure nemaguta hadzisi kudiwa zvakanyanya, zvinoreva kuti mukweretesi ane njodzi yekusadzosa mari yake mukati menguva inotarisirwa, inotsanangura zvinodiwa zvekutengesa zvivakwa. Elvira Glukhova, Mutungamiriri Mukuru wekambani "Capital Center for Financing".

Nzira yekuwana chikwereti chakachengetedzwa nefurati

1. Sarudza kune mukweretesi

Uye tumira chikumbiro kubhangi kana sangano rezvemari kuti ritariswe. Panguva ino, zvakakwana kuratidza zita rakazara, taura mari yechikwereti yaunoda uye kugadzirira kupa imba nebheyili. Chikumbiro chinogona kutumirwa nerunhare, pawebhusaiti (kana mukana wakadaro uripo) kana kuti iwe pachako kuti uuye kubazi.

Mabhangi, paavhareji, mukati memaawa maviri, pindura kuti chikumbiro chako chakafanotenderwa here kana kuti vanozivisa kuramba.

2. Unganidza magwaro

Kana chikumbiro chako chabvumidzwa, kuti ugamuchire mvumo yekupedzisira, iwe uchada:

  • kopi yepasipoti nekunyoresa;
  • vamwe vanokweretesa vanokumbira gwaro rechipiri. Semuenzaniso, TIN, SNILS, pasipoti, rezinesi rekutyaira, ID yechiuto;
  • magwaro eimba yacho. Dzinofanira kuratidza kuti ndiwe muridzi. Chibvumirano chekutengesa, chinyorwa kubva kuUSRN chichaita (nzira iri nyore ndeyekuiraira pawebsite yeFederal Cadastral Chamber ye290 rubles kana pepa paMFC ye390 rubles). Kana iwe wakawana imba nemutongo wedare kana nenhaka, saka iwe unoda mapepa akakodzera;
  • chitupa chemari 2-yemunhu mutero wemutero kubva kunzvimbo yebasa - pakufunga kwako, inowedzera mukana wekubvumidzwa uye huwandu hwakanyanya;
  • magwaro evanokwereta pamwe chete. Nemutemo, vanokwereta vanozove vamwe varidzi vefurati (kana iripo) kana wawakaroora. Kana iwe wakagadzira chibvumirano chewanano nemucherechedzi, maererano neayo murume kana mukadzi (a) asingakwanisi kurasa imba, wobva waunza gwaro. Kana wawakaroorana naye asingadi kuva mukwereti, iwe uchadawo kusaina mapepa pamusoro peizvi nenotary.
  • mhedziso kubva kukambani yeinishuwarenzi pakugadzirira kuisa inshuwarisi imba uye album kubva kukambani yekuongorora, iyo inoratidza mutengo weimba. Ndokumbira utarise kuti mamwe masangano emari anoshanda chete nevanoongorora uye makambani einishuwarenzi anotenderwa navo.

3. Mirira chisarudzo chemukweretesi

Mabhangi anofunga zvinyorwa kubva pamazuva matatu kusvika kumwedzi mumwe. Zvechokwadi, munhu wose ari kuedza kukurumidza kuita uye kuita zvinhu zvose munguva pfupi, asi chaizvoizvo zvinogona kunonoka.

4. Nyora chitsidzo

Chikwereti chakabvumidzwa? Ipapo pakanga pane danho rekupedzisira asati agamuchira mari. Iwe unofanirwa kuwana dhipoziti yefurati. Izvi zvinoitwa muRosreestr kana muMFC. Mushure meizvozvo, imba yacho haigone kutengeswa zvakasununguka pasina mvumo yemutengi.

Mamwe mabhanga anoshingairira kudzidzira kure kure kwemagwaro neRosreestr kuitira kuti asatambise nguva panzendo uye mumitsara. Kuti uite izvi, unoda siginecha yemagetsi, inodhura kubva ku3000 rubles. Mamwe masangano emari anobhadhara vatengi nokuda kwekuita kwechiratidzo chakadaro.

5. Wana mari wotanga kubhadhara chikwereti chako

Mari inoendeswa kubhengi account kana kupihwa mari. Iwe unofanirwa kuzivisa pamberi pechishuwo chako chekugamuchira mari, sezvo mari inodiwa inogona kunge isingawanikwe padhesiki remari. Pamwe chete nechibvumirano chechikwereti, chirongwa chekubhadhara chinopihwa. Kubhadhara kwekutanga pachikwereti kunogona kunge kwatova mumwedzi uripo.

Ndeipi nzvimbo yakanakisa yekutora chikwereti chemondi?

Banks

Vanoshingaira kukweretesa kune chengetedzo yefurati. Panguva imwecheteyo, ivo vane mamiriro akaomesesa emvumo yechikwereti, nekuti tiri kutaura nezve hombe yemari chimiro. Masangano mazhinji, makuru emubatanidzwa uye emuno, akagadzirira kutora zvivakwa sechibatiso.

Kureruka kwechikwereti chebhangi munzira yekunyorera. Zvose zvinogona kuitwa pasina kutarisana chiso nechiso kuhofisi kana sangano richishanda nemhando iyi. Kureva, kufonera call centre kana kusiya chikumbiro pane saiti. Muchiitiko chekubvumirwa, tumira zvinyorwa ne-e-mail kune maneja. Muzviitiko zvisingawanzoitiki, zvinotoita kunyoresa dhipoziti online uye kugamuchira mari pakadhi. Kunyange zvazvo zvichibvira nenzira yekare - nguva dzose kuuya kudhipatimendi.

Kubatsira uye zvakaipa

Mutoo wekupa zvikwereti zvakadaro wakakwana. Sangano rakavimbika riri pasi pekutonga kweCentral Bank. Mubereko wakakwana, unobva pamamiriro ezvinhu emukwereti uye mumunda wekukweretesa.
Kashoma kubvumirana nechikwereti pasina chitupa chemari. Kufunga kwenguva refu kwechikumbiro. Vanoongorora zvakanyanya nhoroondo yechikwereti chemukwereti: kana zviitiko zvakapfuura, njodzi yekuramba chikwereti inowedzera zvakanyanya.

vanoita

Muna 2022, vanoisa mari - vanhu nemakambani - vanogona kuburitsa zvikwereti zvakachengetedzwa nefurati chete kumasangano epamutemo uye mabhizinesi ega ekusimudzira bhizinesi. Kare, vaishandawo nevagariwo zvavo - vanhuwo zvavo. Asi muNyika Yedu maive nenjodzi zhinji dzemunhu, apo vanhu vakanyatso "kudzvanywa" mudzimba nechido chekubiridzira uye zvirevo zvechibvumirano. Naizvozvo, zvinorambidzwa kuti vanoisa mari vakweretese pane chengetedzo yefurati kune vanhu vakazvimirira.

Kubatsira uye zvakaipa

Havabvunzi zvirevo zvekuwana mari uye kazhinji vakavimbika kune vanokwereta. Mukati menhaurirano uye nhaurirano yemamiriro ezvinhu, unogona kukumbira mari yakawanda kwenguva yakareba. Vanoita sarudzo nekukurumidza, mari inogona kugamuchirwa pazuva rekunyorera.
Higher percent kupfuura mabhanga. Vanogona kurerutsa mutengo wefurati nemaune. Haikodzeri vanhu.

Dzimwe nzira

Pakutanga, ma pawnshops nemasangano ezvemari aikweretesa achipesana nekuchengetedzwa kwedzimba. Iye zvino havachabvumirwi kuita izvozvo. MaCPC chete ndiwo akasara - macooperatives evatengi vechikwereti.

Vatori vechikamu - vagovani - vanoita mipiro kubva kumari yavo kune "hari yakajairika". Kuti mamwe mashareholders akwerete mari nemari iyi. Uye kubva kune mubereko vanoisa mari vanowana mari yavo. Kana pakutanga maCCP akasikirwa zvinodiwa nedenderedzwa rakamanikana revanhu (akadaro mutual benefit funds), zvino apararira uye akavhurirwa nhengo itsva. Chekutanga, kuitira kuti vagopihwa mbiri. MaCCP anotenderwa kupa zvikwereti zvembatya.

Kubatsira uye zvakaipa

Mabhangi anoita sarudzo nekukurumidza. Inotariswa pasina chitupa chemari uye neyakakuvadzwa nhoroondo yechikwereti. Handifariri chinangwa chekukweretesa.
Mubereko wechikwereti chepamusoro. Kunonoka mari hombe. Kuti kodzero yekuve mugoveri, vanogona kubhadharisa mari yekupinda uye kubhadhara pamwedzi (kune mamwe maCPC akanzurwa).

Nyanzvi inoongorora pachikwereti chakachengetedzwa nefurati

Takabvunza Elvira Glukhova, nyanzvi yedu kubva Capital Center of Financing, kutiudza nezve chigadzirwa ichi zvakadzama.

“Chikwereti chinopihwa nereal estate chinonyanya kushandisa. Uye sechiridzwa chipi nechipi, chakanaka mune dzimwe nzira, uye chakaipa mune dzimwe nzira. Iwe haurove mbambo nescrewdriver, iwe? Chinonyanya kunzwisisika chingave chekushandisa chikwereti chakachengetedzwa nefurati mumakesi maviri.

Kubhadhara zvikwereti zvazvino. Semuenzaniso, une zvikwereti zvina zvemari + makadhi maviri echikwereti + masere microloans. Mamiriro akadai anoitika chaizvo muhupenyu, hapana chekunyara nacho. Vazhinji vevatengi vedu vanouya nedambudziko iri. Nhoroondo yechikwereti inobhururuka ichipinda mugomba, munhu ave kuda kubhuroka ...

Paunotora chikwereti chekutanga uye uchibhadhara, hapana matambudziko. Tora wechipiri, zvakanaka zvakare. Iwe unotora chechitatu - chinoita sechinoshivirira, asi kusvetuka kudiki mumari uye basa iri rose rinotanga kukanganisa. Ndinofanira kubvisa mari nekukasira kubva mumakadhi echikwereti ndomubhadhara. Wobva waenda kumamicroloans kunobhadhara makadhi echikwereti. Yatova nzira yekuenda kupi zvako. 

Nekudaro, iwe unogona kutora chikwereti chakachengetedzwa ne real estate, kuderedza kubhadhara katatu kana kana, kutambanudza chikwereti kwemakore gumi nemashanu kana kupfuura. Uye izvo zvinoreva kupinda muchirongwa uye kubhadhara zvakadzikama. Chinhu chikuru hachisi kutora zvikwereti zvakare, kana zvisina kudaro isu tinodzokera kumamiriro ekare, imba chete inovimbiswa zvakare.

Kana uri muzvinabhizimisi. Bhizinesi diki kana proprietorship yega. Isu tinoda nekukurumidza mari yekushandisa, semuenzaniso, yekutenga zvinhu. Iwe unonzwisisa kuti mumwedzi mitanhatu kana gore iwe uchatengesa zvinhu zvese uye unokwanisa kuvhara chikwereti, uye purofiti ichavhara mari yemubereko wechikwereti. Chokwadi, pane ngozi yokuti zvinhu zvacho hazvitengwe kana kuti chimwe chinhu chingakanganisika. Asi kana iwe uine chivimbo mukati mako uye nekuita kwako, zvino tora chikwereti chakachengetedzwa nefurati - iyi inzira yakanaka yekuita purofiti.

Asi kana iwe uchida kutora chikwereti chakachengetedzwa nefurati kuti ubhururuke kuenda kuDubai kuzororo, uye iwe usingazive kuti kureba kwekubhadhara pachikwereti ichi, saka usatore chero zvakadaro. Iyi ndiyo nzira yechikwereti. "

Mibvunzo nemhinduro dzakakurumbira

Anopindura mibvunzo Elvira Glukhova, Mutungamiriri Mukuru wekambani "Capital Center for Financing".

Zvakakosha here kutora chikwereti chakachengetedzwa nefurati?

Zvose zvinoenderana nezvinodiwa nemutengi. Chikwereti chakachengetedzwa zvechokwadi idanho rine mutoro kupfuura chikweretiwo zvacho. Chiyero chakaderera, chitsama chikuru uye zvinodikanwa zvakavimbika kune mukwereti zvinosiyanisa kukweretesa kwakadaro kubva kune vamwe. Asi kana mukwereti asingakwanisi kuripa, anofanira kuripa chikwereti chacho neimba yake. Zvakakodzera here kutora chikwereti chakachengetedzwa, munhu wese anofanira kuzvisarudzira ega.

Ndingawana here chikwereti cheimba nechikwereti chakashata?

Unogona kuwana chikwereti chakachengetedzwa chine nhoroondo yakaipa yechikwereti. Ichi ndicho chimwe chezvakanakira kukwereta kwakadaro. Kunyangwe mabhanga epamusoro anobvumira kunonoka kudiki kusvika kumazuva makumi matanhatu. Asi kune mabhanga anobvumira kunonoka kwemazuva zana nemakumi masere. Mune zvimwe zviitiko kunonoka kwepachena kunobvumirwa. Zvisinei, iyo yakaipisisa nhoroondo yechikwereti, iyo yakakwirira yechikwereti ichave.

Paunenge uchikweretesa chibvumirano, unogona kupatsanura nhoroondo yako yechikwereti muzvikamu zvina:

●     hukuru - hapana kunonoka kana kunonoka kwekutanga kwaisapfuura mazuva manomwe.

●     kugona - pane kunonoka kwekutanga kubva pamazuva manomwe kusvika ku30 asi kwete kanopfuura katanhatu mugore rapfuura. Kana imwe kunonoka kusvika kumazuva makumi matanhatu. Ikozvino hapana kunonotsa. Mwedzi inopfuura miviri yapfuura kubva pakanonoka kunonoka.

●     pakati nepakati - pakanga paine kunonoka kusvika kumazuva 180, asi ikozvino yakavharwa, nepo mazuva anopfuura makumi matanhatu apfuura kubva pakuvhara kwekunonoka.

●     zvakaipa Ikozvino kune mikaha yakazaruka.

Zvinoita here kuwana chikwereti chakachengetedzwa nefurati pasina humbowo hwemari?

– Inogona. Bhangi rinotanga raongorora nzvimbo. Kuverengerwa kwemari yakawanda yechikwereti ichabva pane kukosha kwechinhu. Mumabhangi mazhinji, mari yechikwereti inotangira pa20% kusvika 60% yemutengo wemusika wenzvimbo. Simbiso yepamutemo yemari inoenderana ne2-NDFL zvitupa haidiwe. Zvakakwana kuratidza kunobva mari mubhangi remibvunzo, kana kutaura nemuromo kuti une kwaunowana mari. 

 

Ehe, chimiro checheki chinoenderana nebhangi raunonyorera chikwereti. Masangano makuru emari anozokumbira mari yepamutemo kana kusimbiswa kusina kunanga kwe solvency, semuenzaniso, kudzoserwa mumaakaundi mubhangi iri. Kune vamwe, simbiso yemuromo yakapfava panhamba yerunhare yemushandirwi yakakwana. Nekudaro, kana iwe usina chero chirevo chemari kana account yekuchinja, ipapo pachange paine bhangi rinokubvumidza, asi mwero wechikwereti uchakwira.

Chikwereti chinochengetedzwa nechikamu chefurati pasina mvumo yevamwe varidzi?

– Kwete. Hazvibviri kuwana chikwereti kubva kubhangi rakachengetedzwa nemugove mufurati. Asi kune vanokweretesa vakazvimirira vanogona kupa chikwereti chakachengetwa negove. Zvakakosha kuti mugove wacho wakawanda kana mukuru kudarika nhamba yemakamuri. Somuenzaniso, 1/3 inogoverana mufurati ine makamuri matatu. Inokodzera uye 1/2 mumakamuri matatu. Asi 1/3 muimba yemakamuri maviri haichakodzeri.

 

Mamiriro ezvinhu akadaro anokonzerwa nekuti kana iwe uine mugove, unogona kugovera imba yakasiyana. Ndiko kuti, kana mukwereti asina kubhadhara, muchengeti wega wega achatora chikamu chezvikwereti mudare, mushure mezvo achakwanisa kugovera imwe kamuri muimba uye anozviziva seyake. Mushure maizvozvi, achatengesa mukamuri uye kuvhara mari inobatanidza nehutsotsi pachikwereti. Asi mibairo yezvikwereti pazvikwereti zvakadaro yakakwira zvakanyanya, vanotanga kubva ku4% pamwedzi.

Kana iwe uchida zvakajairwa kiredhiti mamiriro, mvumo yevaridzi vese vefurati inozodiwa. Asi kana mumwe wevaridzi ari mudiki kana munhu asina simba (ane matambudziko epfungwa uye ari pasi pekuchengetwa - Ed.), ipapo hapana achatora mugove wake sechibatiso.

Leave a Reply