Chikwereti chakachengetedzwa nereal estate muna 2022

Muzvinyorwa zvedu, tichataura nezvemhando yakakurumbira yechikwereti - chikwereti chakachengetedzwa neimba. Ngatitaure nezve mamiriro muna 2022, mabhangi anoiburitsa uye kukurukura chigadzirwa ichi nenyanzvi.

Chii chinonzi chikwereti chezvivakwa

Chikwereti chezvivakwa chikwereti icho mukweretesi anopa kune akakwereta nemubereko, uye anotora real estate sechibatiso.

Ruzivo runobatsira nezvezvikwereti zvedzimba

*Avhareji mareti echikamu chechipiri che2022 anoratidzwa

Iwe unogona kukumbira kubhangi chikwereti neakasiyana nharo dze solvency yako. Semuenzaniso, unza chitupa chemuhoro kubva kumushandi (2-NDFL) kana kuwana guarantor - munhu uyo, kana ukasabhadhara, anobvuma kubhadhara chikwereti. Uhwu ndihwo hukama hwemari hwakajairika: bhangi kana imwe sangano rezvemari rinovimba newe nemari yaro. Mukudzoka, vanoda kuva nechokwadi chokuti vachabhadharwa.

Real estate inogona kuita nharo mukupa chikwereti. Chigadzirwa chemari chakadaro chinonzi "chikwereti chakachengetedzwa neimba".

Pledge inzira yakakosha yekuchengetedza zvisungo. Chisungo munyaya iyi ndeyekubhadhara chikwereti. Mutengi anotora chikwereti chakadaro anobvuma kuvimbisa pfuma yake kumukweretesi.

Panguva imwecheteyo, iwe unogona kugara mufurati iwe pachako kana kuirenda kune maroja, kana izvi zvisingarambidzwe nechibvumirano. Saizvozvowo, pamwe nedzimwe dzimba - dzimba, zvivakwa zvekugara, dzimba dzetaundi, zvivako zvekutengesa.

Chitsidzo hachireve kuti bhangi kana sangano rezvemari rinogona kutengesa chinhu chako chero nguva kana kuzvitora ivo pachavo. Kunze kwekuti tiri kutaura nezvemakambani emutemo, kwete matsotsi. Nyaya dzakadai dzinoitika kana vanhu vachikwereta zviziviso zvisina hanya uye vasingatarise mapepa avanosaina.

Chete kana mutengi asingakwanisi kubhadhara chikwereti, bhangi kana imwe sangano rezvemari ine kodzero yekutengesa, kureva, kutengesa pfuma. Mari ichaenda kunobhadhara chikwereti. Kana chero mari yasara mushure mekutengeswa, ichapihwa kune aimbove muridzi wemudziyo.

Mabhenefiti ekutora chikwereti chemondgage

Unogona kuwana chikwereti chikuru. Semuenzaniso, 15-30 miriyoni rubles yeguta guru ndeyechokwadi. Mumatunhu, hongu, zvinhu zvese zvine mwero. Zvisinei, chido chekuvimbisa pfuma igakava rine simba kune vanokweretesa.

Iva akavimbika kune nhoroondo yechikwereti yemukwereti. Sezvaunoziva, mabhangi ese uye masangano emari anodzidza kuvimbika kwemutengi. Kuti vaite izvi, vanoshandisa mahofisi enhoroondo yezvikwereti, uko ruzivo rwakachengetwa pamusoro pekuti kupi, nguva uye sei munhu akakwereta kubva kumasangano emari. Kunonoka mubhadharo kunoratidzwawo ipapo. Asi sezvo mutengi akagadzirira kuvimbisa real estate, zvinoreva kuti mukweretesi akazvichengetedza zvakasimba.

Chikwereti chinogona kupihwa kwenguva yakareba. Kuenzaniswa nezvikwereti zvakajairika. Mamwe masangano emari anobvumidza iwe kubhadhara kusvika kumakore makumi maviri nemashanu.

Mortgage imwe nzira. Inoda kubhadhara pasi, iyo inogona kunge isiri. Chikwereti chemba chinogona kushandiswa kutenga imba itsva.

Nokuda kwechinangwa chipi nechipi. Vanokweretesa havabvunze chaunoda chikwereti. Izvi zvakakosha, semuenzaniso, kune vatengesi vega vanoda mari yekuvandudza bhizinesi ravo. Kana vakakumbira chikwereti sesangano repamutemo, ipapo mukana wekuramba uchave wakakwirira, nokuti iyi injodzi yebhangi.

Ngozi chete nepfuma yako. Mukwereti haa "seta" chero ani zvake - izvi ndezvekuti kana tikataura nezve guarantors yechikwereti. Paunenge uchida mari yakawanda, saka munyaya yezvikwereti zvakajairwa, unogona kuwana zvikwereti kubva kumasangano akasiyana, uye semugumisiro, unogona kuguma wava nechikwereti, kurwisana nevateresi, uye kurasikirwa nemukurumbira wako pakati pevamwe vaunoshanda navo. Nekukweretesa imba, unoisa pangozi pfuma yako chete. Nechirevo chekuti kana uine mhuri, saka sarudzo dzakadaro dzinofanira kuitwa nemazvo.

Mukwereti nemukwereti vanogona kuva vanhu vaviri vakasiyana. Semuenzaniso, mumwe munhu ane zvivakwa, uye mumwe anoda kutora chikwereti. Vanogona kuita chibvumirano pamwe chete.

Nzvimbo yacho inoramba iri yako. Inogona kushandiswa, kurenda kunze (kana isingapesani nechibvumirano chechikwereti).

Zvinhu zvakakodzera izvo zvakasungwa. Semuenzaniso, mukwereti akaunganidza chikwereti chikuru cheimba uye mabasa emunharaunda kana kuti akanonoka kubhadhara zvimwe zvikwereti. Muchiitiko ichi, pakukumbira kwevakwereta, dare rine kodzero yekutora pfuma. Mamwe masangano echikwereti anogamuchira zvivakwa zvakadaro sechibatiso, asi neimwe chengetedzo. Chikamu chechikwereti chemutengi chichashandiswa kubhadhara chikwereti kubvisa kusungwa.

Cons yekuwana chikwereti chakachengetedzwa nereal estate

Kushandiswa kweinishuwarenzi. Nzvimbo yaunopa sechibatiso inofanirwa kuve insurance. Mari yeinishuwarenzi inoitwa kamwe pagore. Paavhareji, iyi 10-50 zviuru zveRubles - mutengo unoenderana zvakanyanya neimba chaiyo, nzvimbo, mutengo wechinhu. Mukweretesi anogona zvakare kukumbira kuchengetedza hupenyu uye hutano hweanobhadhara - zvikasadaro ivo vanozopa yakakwira muzana.

Iwe unozofanirwa kubhadhara kune basa reappraisers. Iwe kana mukweretesi haugone kutonga zvine musoro kuti inzvimbo yakadii. Asi munyaya yechikwereti, hupfumi hwechinhu chakakosha - mune mamwe mazwi, kukosha kwayo uye kukwanisa kutengesa. Ngatitii munhu ari kuda kuisa furati muchivako chekukurumidzira kuti riputswe. Zvechokwadi, mukweretesi haakwanisi kutengesa chinhu chakadaro kana chimwe chinhu chikaitika. Saka iwe unofanirwa kubhadhara iyo appraisal. Zvinodhura 5-15 zviuru rubles.

Kusakwanisa kurasa pfuma yavo vakasununguka. Chimwe chinokanganisa ndiwo mazwi echikwereti. Kana iwe uchida kutengesa imba kana chimwe chinhu iwe pachako, iwe uchada kukumbira mvumo kubva kune mukweretesi uyo akagamuchira nzvimbo sechibatiso. Sezvingabvira acharamba. Mushure mezvose, sei munyaya iyi kusimbisa kuvimbika kwemukwereti? Vanogona kubvumira kutengesa kana mutengi achidzorera chikwereti kubhangi nemari inowanikwa.

Nguva yakawanda iri kupera. Kuti uwane chikwereti chakadaro, tora vhiki imwe chete kusvika maviri, sezvo zvinyorwa uye maitiro akareba kupfuura nguva dzose. Iwe haugone kuwana mari pakarepo.

- Izvo zvinokanganisa zvinosanganisira chokwadi chekuti imba yemba ifurati. Asi matambudziko anogona chete kana mutengi asingabhadhari. Kana, kana asingakwanisi kubhadhara, saka hapana chaanoita kugadzirisa mamiriro acho ezvinhu. Kunyangwe iwe ukapinda "kunonoka" pachikwereti chakadaro, unogona kugara uchigadzirisa nyaya yacho pasina kurasikirwa nepfuma yako, tsvaga kuwirirana nemukweretesi, - anodaro. Almagul Burgusheva, mukuru wedhipatimendi rakachengetedzwa rekukweretesa kuFinans.

Mamiriro ekutora chikwereti chakachengetedzwa nereal estate

Anokwereta zvinodiwa

• Zera remukwereti rinobva pamakore makumi maviri nerimwe kusvika pamakumi matanhatu nemashanu. Kune vechidiki, kusarudzika hakuwanzoitwa. Kune vakarega basa kakawanda.
• Basa. Haufanire kushanda zviri pamutemo. Uye hazvifanirwe kuve zvisina kurongwa zvakare. Asi kana mutengi ari kushanda, saka mukana wekubvumidzwa kwechikwereti wakakwira. Iwe unofanirwa kushanda munzvimbo imwechete kweinenge mwedzi 3-6 yekupedzisira.
• Citizenship yeFederation. Vanoshanda nevatorwa, asi vasingadi.
• Co-vanokwereta. Kana iyo nzvimbo iine varidzi vakati wandei, ivo vanofanirwa kuve vakwereta pamwe chete uye kupa mvumo yechipikirwa. Zvakare, kana wakaroora, wako wawakaroorana naye anofanirawo kuva vanokwereta pamwe chete. Izvi zvinogona kuregererwa kana ukasaina mapepa kune veruzhinji (kana kuti chibvumirano chewanano chakapedzwa kare), asi izvi zviri pakufunga kwemukweretesi.

Zvinhu Zvinodiwa

- Chinonyanya kudiwa ndechekuti pfuma inyoreswe seimba. Zvikasadaro, mukweretesi wega wega ane maitiro ega ezvivakwa. Mumwe anofunga kureba kubva kuMoscow Ring Road kwete kupfuura makiromita makumi mashanu, vamwe vanotarisa kumatunhu ose. Rimwe bhangi rinogona kupa chikwereti cheimba chete, imwe yeimba nedzimba, uye zvichingodaro, - makomendi Almagul Burgusheva.

Isu takatotaura kuti chikwereti chakachengetedzwa nereal estate hachipiwi kune chero chinhu. Naizvozvo, iwe unofanirwa kuodha yealbum yekuongorora kubva kukambani yakatenderwa. Ngatitaure nezvezvinodiwa.

Apartment

Rudzi rwakakurumbira rwechibatiso. Uyezve, vamwe vanokweretesa vanobvuma kugamuchira dzimba dzisiri dzemukwereti, asi kune vechitatu mapato. Zvechokwadi, kana vakazvipira kuenda kubheti. Ngatitorei muenzaniso. Mhuri yechidiki inogara nevabereki vavo uye inoda imba yavo. Vabereki havadi kutora chikwereti kana kuti havachipiwe nekuda kwekukura kwavo. Asi vanobvumirana kana vachangobva kuchata vachitora imba yavo.

Imba yacho inofanira kunge iri mvura, kureva kuti, inogona kutengeswa nemutengo wemusika chero nguva. Izvi zvakakosha kubhangi. Zvechokwadi, haifaniri kuiswa kune imwe nzvimbo. Vanongotora zvinhu zviri mudzimba dzisiri dze emergency, kwete zvekuputswa. Hapana kuvandudzwa zvisiri pamutemo. Vanongwarira mafurati ari mudzimba dzine uriri hwemapuranga uye dzine chimiro chechivako chekuvakisa.

Mari yechikwereti kazhinji haipfuure 60-80% yekukosha kweimba yakabatiswa. Zvimwe zvishoma zvichapiwa chete munyaya yevimbiso uye basa repamutemo.

Nenzira, iwe unogona zvakare kuisa kamuri mufurati revanhu. 

Apartments

Rudzi rutsva rwezvivakwa muNyika Yedu, iri kushingaira kukura mumaguta makuru. Zvekare, iyi isiri-yekugara pfuma, asi hapana anorambidza kugara mairi. Iwe haugone kuwana mvumo yekugara ipapo, ivo havape zvikwereti zvemba, haugone kubvisa mutero kubva pakutenga. Asi kana iwe uri muridzi wedzimba, unogona kuvapa sechibatiso chechikwereti.

Apartments akachipa kupfuura furati munzvimbo imwechete mudzimba dzakafanana. Asi mukana wavo ndewekuti iwo matsva, zvinoreva kuti iwo ari mvura uye ane mari yawo.

Townhouses

Sekutonga, dzimba dzetaundi imhando yakakurumbira yemadhorobha real estate. Vanogamuchirwa nemoyo wese sechibatiso, asi kunze kwekuti chivako chacho chiri pamutemo, pane zvinyorwa zvose - zvisizvo zvakashata nezvivakwa zvisingabvumirwi zvinoitika.

Zvinodikanwa zveimba yedhorobha: imba yacho yakagovaniswa mune imwe bhuroka ine yakavanzika yekupinda. Munda uri pamberi pake ndewemuridzi.

Zvivakwa zvekugara

Kana isu tichitaura nezve kottage uye imwe suburban real estate, pamwe chete nedzimba dzega muguta, dzinotorwawo sechibatiso seyero yenguva. Izvo zvakanyanya kuoma nedzimba dzebindu muSNT, sezvo mukweretesi asingazogone kuzvitengesa nekukurumidza, uye zvakachipa. Zvikasadaro, mitemo yese yakafanana inoshanda seyemafurati, pamwe nehuwandu hwekuwedzera maitiro.

• Unogona kugara mumba gore rose. Uye iwe unogona kusvika kwairi mune chero mwaka.
• Kwete mumamiriro ekukurumidzira.
• Magetsi akabatanidzwa kwairi, kune kudziyisa (gasi kana magetsi), kugovera mvura.
• Imba yacho haisi panzvimbo yenzvimbo dzakachengetedzwa dzakasarudzika kana nzvimbo dzakachengetwa.

Nzira yekuwana chikwereti chakachengetedzwa ne real estate

1. Sarudza bhangi kana sangano rezvemari

Chikumbiro chinogona kutumirwa pamhepo - kuburikidza newebhusaiti yekambani, inosiiwa munzvimbo yekufona kune anoshanda kana kuuya kuhofisi. Nhanho yekutanga inoda zita rako, zuva rekuzvarwa, ruzivo rwekufonera. Uyezve, iwe uchakumbirwa kuti utaure mari yauri kukumbira. Vanozobvunzawo nezverudzi rwepfuma yako.

Mushure meizvozvo, bhangi kana sangano rezvemari richatora kumbomira kwenguva pfupi: chaizvo kubva pamaminetsi gumi kusvika maawa akati wandei. Nekuda kweizvozvo, mutongo uchapihwa - chikumbiro chinofanotenderwa kana kurambwa.

2. Gadzirira zvinyorwa

Kana iwe ukauya kuhofisi, unogona kuunganidza pakarepo seti yemapepa anodiwa. Wakanyorera uri kure here? Zvichida mukweretesi anobvuma kufunga nezve scans ezvinyorwa mune zvemagetsi fomati. Iwe uchada:

• pasipoti ine mvumo yekugara (chiratidzo chekunyoresa);
• gwaro rechipiri (risingawanzo kubvunzwa) - SNILS, TIN, pasipoti, penjeni, rezinesi rekutyaira;
• chiziviso chemari, kopi yakasimbiswa yebhuku rebasa, chiziviso chehurumende yekaunti yega muhomwe yepenjeni - pano mumwe nomumwe ane chikwereti ane zvaanoda. Vamwe vanopa zvikwereti pasina kusimbiswa kwemari inowaniswa uye basa, asi pamwero wepamusoro;
• gwaro rinosimbisa muridzi wezvivakwa. Izvi zvinogona kuva chibvumirano chekutengesa, chinyorwa kubva kuUSRN yefurati kana nyika, chitupa chenhaka, chibvumirano chekupa kana mutongo wedare - zvose zvinosimbisa: iwe ndiwe muridzi uye unogona kurasa chinhu;
• nokuda kwezvivako zvekugara, ivo vachakumbira chidimbu kubva mubhuku reimba kana gwaro rimwe chete reimba - vanoratidza kuti vangani vanhu vakanyoreswa muimba;
• kana wakaroora uye wawakaroorana naye asingadi kuva mukwereti, asi asingapokane nekuvimbisa imba yacho, unoda mvumo yekuzivisa. Chibvumirano cheprenuptial chakakodzera zvakare, icho chinoti mukwanyina (a) haakwanise kurasa pfuma iyi. Mukweretesi anogonawo kukumbira muridzi wemba kuti asaine gwaro rinoratidza kuti muridzi wenzvimbo yacho akanga asina kuroora paakaitenga. Muchiitiko chekupedzisira, dzimwe nguva zvinokwanisika pasina notary - pakufunga kwemukweretesi.

Tsvaga kambani yekuongorora iyo inogadzira iyo appraisal album. Iwe unogona kuita izvi pachine nguva kana iwe uri mukukurumidza kupa magwaro ese muzuva rimwe chete. Asi chenjera: kazhinji mabhangi nemasangano emari anoshanda chete nemafemu anotenderwa navo.

Rimwe gwaro rinokosha ishuwarenzi yemidziyo. Iwe unogona zvakare kuwana maonero kubva kukambani yeinishuwarenzi pachine nguva kuti inobvuma kutora chinhu chako uye bhiri resevhisi. Uye zvakare, chenjerera - mukushanda nevakweretesi veinishuwarenzi vanosarudzawo.

3. Mirira kubvumirwa kwechikumbiro

Kana kuramba. Rangarira kuti unogona kuedza nemumwe mukweretesi kana kutaurirana zvakare neuyu. Semuenzaniso, mukwereti akaverenga pamari imwe chete yakachengetedzwa neimba, asi mukweretesi anobvumirana nediki, kana kuti hazviratidzike kwaari zvachose kuti munhu wacho haazodhonzeri mari yemwedzi. Asi kana iwe ukawana vanovimbisa, tora zvitupa zvemari, batanidza vanokwereta, ipapo chikwereti chinogona kubvumidzwa.

Nguva yekutendeseka kwechikumbiro chakabvumirwa inotarwa nemukweretesi pachake. Kazhinji mwedzi mumwe kusvika kumwedzi mitatu. Mushure mekuita kwese kunofanirwa kuenda zvakare. Nekudaro, kana iwe uchitsvaga akanakisa mamiriro echikwereti akachengetedzwa nereal estate, unenge watova nemagwaro ese anodiwa paruoko uye unogona kunyorera kune mamwe masangano emari.

4. Nyora chitsidzo

MuRosreestr - dhipatimendi iri rine basa rekuverenga zvivakwa munyika - panofanirwa kuve nerekodhi yekuti kuvharirwa kwakaiswa pazvivakwa. Kubva zvino zvichienda mberi, muridzi wacho haazokwanisi kutengesa zvakasununguka chinhu chacho uye kunyengedza mukweretesi.

Kuti unyore chibvumirano, unofanirwa kuenda kuMFC kana Rosreestr. Dzimwe nguva unogona kuita pasina kutarisana nekutarisana. Masangano emari anoshingairira kushandisa siginecha yemagetsi uye anodzidzira kure kure nemafaira. Iwe unogona kupa siginecha yemagetsi iwe pachako, uye kana usingazive kupi uye sei, mukweretesi achakuudza. Siginecha inobhadharwa, paavhareji 3-000 rubles. Vamwe vanokweretesa vanochipa kuvakwereta.

5. Wana mari

Mushure mekusaina chibvumirano, unogona kukumbira mari mumari kana nekuendesa kubhengi account. Bhangi richapawo chirongwa chekubhadhara. Zvichida kubhadhara kwekutanga kuchafanirwa kuitwa kare mumwedzi uripo.

Ndeipi nzvimbo yakanakisa yekutora chikwereti chemondi?

Banks

Iyo inonyanya kufarirwa sarudzo. Zvikwereti zvakachengetwa nedzimba, zvivakwa zvekugara, dzimba uye kunyange magaraji zvinopihwa zvese nemasangano kubva kumusoro kweCentral Bank (iyo masangano makuru maererano nehuwandu hwevatengi uye midziyo) uye akawanda "ane mwero" vatinoshanda navo. Semuenzaniso, mabhanga ematunhu.

Mabhangi ane hunyanzvi pakuongorora mufananidzo weakakwereta. Vanonyatso tarisa magwaro, uye nzira yekubvumidza kunyorera inogona kutora vhiki kana kupfuura. Mabhangi zvakare ari kushoma pekugara mukuona iyo yakanyanya mari yechikwereti. Iri ibhizinesi hombe rinoda kuzvisimbisa pacharo kana mukwereti akangoerekana atadza kubhadhara.

Iva wakagadzirira kuti mukushambadzira bhangi richakukwezva nechiyero chimwe chete pachikwereti chakachengetedzwa nereal estate, uye kana ichitarisa pamagwaro ako, ichapa imwe yepamusoro. Kuzvideredza nemapoinzi mashoma, ivo vanozopa kuve mutengi wavo wekubhadhara kana kutenga imwe inishuwarenzi kubva kune vanobatana.

vanoita

Kune makambani uye vega vanoisa mari vanopa zvikwereti. Tinomanikidzwa kutaura kuti muna 2022 iyi inzvimbo ye "grey" maererano nemutemo wezvikwereti zvakadaro. Munyika Yedu, zvinorambidzwa kune vanoisa mari pachivande kupa zvikwereti kune vanhu vanochengetedzwa nezvivakwa. Bhizinesi chete (IP kana LLC).

Zvisinei, maburi emutemo anowanikwa. Uyezve, pamucheto wekubiridzira nekunyoreswa kwezvinyorwa zvepamutemo zvenhema. Kana kuti vanonyora patsva zvinhu zvomukwereti zvakananga, vachimutsausa.

Kana ukafunga kutora chikwereti kubva kune investor yakachengetedzwa nereal estate, iva nechokwadi chekubvunza gweta rakazvimirira kuitira kuti averenge chibvumirano che "zvinoreva zvakavanzika" uye akubatsire nekutengeserana. 

Dzimwe nzira

Munyika Yedu, kune maCPC - kiredhiti nevatengi cooperatives. Ane vagovani - kutaura, vanhu vakaisa mari yavo mudziva rakafanana kuitira kuti vamwe vagovani, kana zvichidikanwa, vavashandise. Zvechokwadi, kwete "mazvita", asi maererano nemashoko anobatsira. Ndokumbira utarise kuti maCCP emutemo ari murejista yeCentral Bank.

Chikwereti chakachengetedzwa nereal estate muCPC chinoshanda seizvi. Mutengi anova mugoveri wayo. Anokumbira chikwereti. Cooperative inobvuma kana kuramba. Zvese zvakafanana mubhangi, asi maCCPs haadi zvakanyanya pahunhu hweanokwereta uye anobvumidza chikwereti nekukurumidza. Pane kudaro, chikamu chepamusoro chakaiswa (hachigoni kuva chakakwirira kudarika Central Bank inosarudza). Mamwe mabhanga "ane hasha" anoreva kunonoka kubhadhara.

Kare, MFIs (microfinance organisation, muhurukuro dzemazuva ose vanonzi "mari inokurumidza") uye pawnshops vaigona kupa zvikwereti zvakachengetwa nereal estate. Iye zvino havachabvumirwi kuita izvozvo.

Wongororo yenyanzvi nezvechikwereti chakachengetedzwa nereal estate

Takabvunza Almagul Burgushev, mukuru wedhipatimendi rakachengetedzwa rekukweretesa rekambani yeMari govera maonero ako nezvesevhisi.

“Zvikwereti zvinopihwa nedzimba zviri kuramba zvichiwedzera gore negore. Vanhu vakatanga kunzwisisa kuti izvi zvinobatsira chaizvo: mitengo yakaderera zvakanyanya pane yekukweretesa kwevatengi, izwi racho rakawedzerawo kusvika kumakore makumi maviri nemashanu. Hapana kusanzwisisa pamusoro pengozi yekukweretesa kwakadaro. Vatengi vanotora chikwereti chakadaro, semuenzaniso, kuvhara zvikwereti zvavo zvishanu kusvika gumi. Mushure mezvose, zvinobatsira kubhadhara mubhangi rimwe chete. Iyo yakanyanya mari yechikwereti yakachengetedzwa nereal estate inokwanisika kusvika ku25% yekukosha kwechinhu.

Vanoshandisa zvikwereti zvakadaro kuti vavhure bhizinesi ravo kana kutsigira bhizinesi ravo. Kunewo mamwe mamiriro ezvinhu anosuruvarisa apo chitsama chinoorora chinodiwa pakuvhiya kwehama.

Zvechokwadi, unogona kutengesa imba, asi kana munhu ane chokwadi chokuti anogona kubhadhara, saka wadii kushandisa chikwereti? Iwe unogona kugara uchitengesa, kunyangwe iwe wakatora chikwereti chakachengetedzwa uye kamwe kamwe wakatadza kubhadhara. Rudzi urwu rwechikwereti rwakafanira kune chero munhu anonyatsoziva kubva kupi kwavanozodzosera chikwereti.

Kana vari vakweretesi. Mabhangi anogara ari kureba kwenguva yekukwereta uye mwero wakaderera. Asi kutariswa kwechikumbiro kwakareba uye ivo vari kunyanya kuda kune anokwereta, nhoroondo yechikwereti, basa. Kazhinji mutengi anofunga kuti kana akavimbisa imba yake, bhangi harifanire kumubvunza mibvunzo isingakoshi. Zvakadaro, bhangi rinoramba rakatarisa mukwereti, zvisinei nekuti imba yake inodhura zvakadii.

Makambani echikwereti (CPCs) atove akavimbika kune vatengi, asi mitengo yacho inogona kunge yakakwira zvishoma pane yebhangi. Private investers vakavimbikawo. Asi hazvireve kuti vari kupa mari kumunhu wese. Zvitupa zvekuwana mari hazvidiwe, asi vanoongorora kuvimbika kweanokwereta pamubvunzurudzo. Munhu anodyara mari anogona kuwana mari pazuva rekurapwa uye izvi zvakanakira.

Mupfungwa, kana mutengi achida kuwana mari nekukurumidza, anogona kuikumbira kubva kune investor kana CPC, obva agadzirisa nebhangi. " 

Mibvunzo nemhinduro dzakakurumbira