Kuita basa rebhangi: hupenyu hwavo uye basa

Kwemakore makumi maviri, kufambisa basa kwave kuchiitwa munyika yedu. Zvinomiririra kutenga-kutengesa kutengeswa kubva kumutengesi uyo panguva imwechete ari mukwereti, kodzero yekuwana chikwereti kubva kune chikwereti. Zvinhu zvehukama hwakadaro zvinogona kuva zvinhu kana mabasa, pamwe chete nematura, zvikwereti zvisati zvaitwa.

Kuita basa kunobatsira kune vose mapato kune mutengesi, sezvo vachibvumira mutengi kuti awane chikwereti ikozvino, kunyange zvisati zvazara. Chibvumirano chinopedzerwa pakati pebhangi nemunhu anotora chikwereti, maererano nezvakambobhadhara chikwereti chemutengesi pachiyero cha 80-90% chemuda wega uye anowana kodzero yekuunganidza chikwereti zvachose munguva yemberi. Iko mari yehupfumi yekwereti yekwereti inopesana ye 10-20%, inonzi inoderedza. Mune zvimwe zviitiko, mvumo yesangano inotora kuzororazve kwechikwereti kune chikwereti, uye bhenji rinogamuchira mutero wekhomisi, iyo yakawanda inoratidzwa musangano rekubatana.

Kuita basa kwebhangi kunogona kuenzanisirwa nerudzi. Chimwe chezvinyanya kukosha ndezvekutengesa mukati, ndiko kuti, kushanda kuwana kodzero yekutaura kwevagari venyika. Kana mumwe wevatori vechikamu ari mutengesi ari mugari weimwe hurumende, zvino tinogona kutaurirana nezvemafomu epasi rose. Nekuvhura kwekutengesa kwekutengesa, uyo anenge akwereta achaudzwa nezvekutsvaga kwekodzero yekuwana chikwereti nokuda kwebhangi. Chinhu chakavanzika kana chakavanzika chinoitwa pasina ruzivo rwechikwereti nezvekuendeswa kwekodzero dzekutsvaga. Basa rakadaro richaita zvakawanda. Mubhadhari anoshandura mari mune chikwereti chechikwereti kumabhengi ekubhadharwa kwemari, iyo inozopa bhangi mari mumari yakasimbiswa nesungano yechibvumirano.

Mukuita, gurai kuitisa maitiro nekodzero yekudzorera uye pasina iyo. Maererano nemhando yekutanga, bhanhire rinogona kubvisa chikamu chacho nemutengesi uye kuchidzorera kodzero dzekutaura kana chiitiko chekuramba kwomutengesi kubhadhara chikwereti. Kana kushanda kuchiitwa kunze kwekodzero yekudzoka, chinhu chacho hachikwanisi kuti muteresi adzorere chikwereti chisina kubhadharwa. Zvechokwadi, mumatambudziko mazhinji, zvinoshandiswa zvinopiwa kune chekutanga chekutengeserana, sezvo izvi zvinoderedza huwandu hwehuwandu hwebhangi. Sezvo mutemo, kushandiswa kwekare kusingadzoki kunoitwa apo uyo anenge akwereta ari musangano wepamutemo unogadziriswa nechinzvimbo chakanaka chemari.

Kuona kushandiswa kwemabhengi ezvokutengeserana kuri kuwedzera kupararira, sezvo vachibvumira kubhadhara kukanganisa kwenguva pfupi kwekupararira kwezvinhu mune basa rezvino rezvematongerwe enyika. Uye mumamiriro ezvinhu asingakwanisi kubhadhara chikwereti, somuenzaniso, apo mabhengi anorambwa nokuda kwechimwe chikonzero kana chimwe, kutengesa kunova rudzi rwepakaticea inokubvumira kuchengetedza mari yako pachako. Asi chikwereti chikwereti hachibvumirane nguva dzose kuguma kwekutengeserana kwakadaro. Paunongorongedza kushanda, bhandi rinotarisisa rinonyatsoongorora solvency yomunhu ane chikwereti, chikwereti chechikwereti, chido chechigadzirwa mumusika uye mukana wekutengeswa kwekanguva munguva pfupi. Basa rakawanda rakaoma uye rinokudzwa riri kuitwa, uye izvi zvinoratidza kufanana kwekutengesa uye chikwereti.

Kazhinji bhangi rinomanikidzwa kuramba mutengesi kana uyo akwereta ane zvikwereti zvakakura kuti akwanise kubhadhara chikwereti kana kuti kana achida kuita basa. Uyezve, kukwidziridza makambani hakuiti pangozi kuwana kodzero yekureva zvikwereti kubva musangano rezvemitemo rinobudisa zvinhu zvisiri izvo kana kuti zvinotarisa kune vashoma vateereri vatengi.

Kuisa maitiro mumakambani emazuva ano emari yemunyika yedu inoitwa munenge mhepo yakafanana seyemisika yeEurope yenyika yose. Uye izvi zvinokwezva vamwe vatengesi vemamwe marudzi avo vane mari yakawanda kupfuura, zvinosuruvarisa, vashandi vekumba havagoni kuzvikudza.