Chii chinonzi kufanirwa uye zvinoitika sei?
Bhizinesi rinotenga chivako kana imwe nzvimbo kubva kubhangi kana kune imwe chikwereti.
Munhu ane chikwereti anoda chikamu chekuchengeteka muimba, kana akwereta asingakwanisi kuripa. Chibvumirano chekutenga chine chinyorwa chinobvumira munhu ane chikwereti kuti adzorere chivako kana akakwereta achifa. Mune zvimwe zviitiko, chirevo chekukurumidza chinosanganiswa muchibvumirano, zvinoreva kuti anenge akwereta angabhadhara chikwereti chose kana chikwereti chiri chisipo.
Chikwereti chinotumira chiziviso chekuregererwa kumunhu ane chikwereti, uyo anopiwa nguva, anowanzozonzi nguva yekuregererwa, kuzoporesa zvisizvo. Munhu ane chikwereti anogona kuita chikwereti iye zvino, kusanganisira chirango uye kufarira, kushanda kunze kurongeka nemunhu ane chikwereti, kana kuti kuzivisa kubhadhara munguva ino, iyo yakagadzwa nemutemo wehurumende. Kana munhu ane chikwereti asingakwanisi kurapa zvisiri izvo mukati meyi nguva, nzvimbo yacho inotorwa uye inotengeswa, pamwe chete nemari inotanga kuenda kune iyo primary hold holder uye kune vamwe vanobatanidza zvivako panzvimbo yacho, neyese yakasara, kana iripo, kudzokera kune akwereta.
Dzimwe hurumende dzinobvumira munhu ane chikwereti kuti aise mutongo wega pamunhu ane chikwereti pane chikwereti chakwereta mushure mokutengesa.
Ndeapi marudzi ekufananidzira?
Rudzi rwakakurumbira rwekuvhara mberi nderokutonga kwekutonga, umo kutengeswa kwechivako kunoiswa pasi pesimba redare. Dzimwe nyika dzinogona kubvumira kufanirwa nesimba rekutengesa, izvo zvinobvumira chikwereti kutengesa imba pasina kutongerwa mudare rematare.
Ndeipi chiito panzvimbo yekufananidzira?
Mune mamwe mamiriro ezvinhu, munhu ane chikwereti angabvumirana kutora chiito (umiridzi) weimba yacho zvakare. Kuendeswa kwehuwandu uye kutengeswa kwemari yezvakanaka zveimba kunofanira kubvumidzwa kune vose mapato uye kutaurirana.
Kufananidzira kunobatanidza sei nebhizimisi kubhadhara?
Kufanirwa kwebhizimisi pfuma kunogona kuitika pasina kubhadhara kana bhizinesi rebhizimisi risingakwanisi kubhadhara pane chimwe chivako kana imwe nzvimbo. Zvinowanzoitika, zvisinei, zvebhizimisi kuti rive mumatambudziko uye kuzivisa kubhadhara nokuti haigoni kubhadhara chero ipi zvayo yemari. Chitsauko 11 kugadzirisazve kubhadhara kwenguva pfupi kunogumisa kupera kusvikira chirongwa chekugadzirisa zvakare chichigamuchirwa nedare. Chitsauko 7 kushandiswa kwemari inoshandiswa kunosanganisira nzvimbo yakagara yakanyatsoiswa mumutsetse wezvinhu zvinoshandiswa. Asi kukanganisa hazvirevi kuti munhu ane chikwereti anokwanisa kubva kubva kune imwe nzvimbo iri pasi pekufanosarudzwa; iyo nzvimbo inogona kutengeswa kuti ibhadhe chikwereti chebhizimisi.
Zvinokwanisika here kudzivirira kutangira?
Panogona kunge kune dzimwe nzira dzekudzivirira kana kudzivirira kusatidzika. Izvo zviitiko zvese, zvakanakisisa kusangana nemudzidzi webhishopu kana mupi wezano wezvemari uyo anoziva nebhizimisi kubhadhara. Heano mamwe mazano:
- Refinance. Iwe unogona kukwanisa kubhadhara chikwereti icho, kana pamutengi mumwechete kana imwe yakasiyana.
- Tsvaga mamwe mari, zvichida kubva kune shamwari, hama, kana vatengi.
- Iwe pachako tsigira chikwereti, kana iwe usati waita saizvozvo. Izvi zvinoisa zvinhu zvako pangozi, asi zvinogona kubatsira kana iwe uchinzwa kuti mamiriro acho ndeechinguva uye zvinogona kubvumira mukana wekugadzirisa zvakare mushure mekubvisa chirongwa chako pachako.
- Dzokorora urongwa hwokudzivisa, iyo inogona kumira kwenguva refu kutarisa (zvichienderana nemitemo yesungano yokutenga).
- Paridza kubhadhara. Sezvakataurwa pamusoro apa, kuparara kunogadzirisa chisungo chechinguva chiduku apo dare rinoshanda kuburikidza nekudarika kwemhosva.
Zvinonzwisisika
Ichi chinyorwa uye ruzivo rwepaiti ino inoitirwa huwandu hwemashoko chete. Munyori haasi CPA, muteresi wemutero, kana Akanyoresa Agent. Tsvaga nemuteresi wako wekutere kuti uwane ruzivo rwakanangana nemamiriro ako ezvinhu.