Mari, Investments
Nzira yekuisa sei mari mugoridhe mubhangi? Nzira yekuita sei mugoridhe?
Ndarama yakaonekwa sesimbi yakakosha kwemazana emakore akawanda. Inoshandiswa kwete kungogadzira zvishongo zvisiri izvo chete, asiwo kuwedzera mari. Munyika dzakawanda zvekare, mari yegoridhe yakashandiswa semari. Uye vatongi venyika dzakabudirira zvikuru mune zvoupfumi vachiri kusarudza kuisa mari mugoridhe nhasi. Musha akatendeka anogonawo kusimbisa purofisi yake yakavimbika, iyo inonzwisisa zvishoma nezvoupfumi.
Historical facts
Nhoroondo yehukama pakati pevanhu negoridhe yakatanga zviuru zvemakore apfuura. Musi chaiwo wekuvhura kwesimbi inokosha haigoni kutumidzwa. Vanyori venhau dzakaitika vachiri kupopotedzana panyaya iyi. Ndarama kwenguva yakareba yaive yakakosha yezvinhu zvayo zvakasiyana. Iyo haisviki uye inogona kuchengetwa kwenguva yakakwana. Zvimwe zvishongo zvegoridhe, izvo zvinochengetwa mazuva ano mumamyuziyamu, zvinopfuura makore makumi maviri zvekare. Ndarama muzvisikwa inonyanya kuderera, uye kuitira kuti ibudise, mari yakawanda inodhura inotarisirwa.
Musika wemari yemazuva ano
Kuisa mari mumidziyo yakakosha kwave kuchibatsira. Asi usati wasimudza mune goridhe, iwe unofanira kufungidzira zvimwe zvinhu. Mari inokosha yesimbi inogona kuvimba nehuwandu hwemusika kweimwe nguva. Saka, hazvibvumirwi kuvaka chikwata chako chekutsvaga mari yegoridhe chete. Pane ngozi yekurasikirwa nemari yako.
Kuwedzera kukuru kwemitengo yegoridhe kwakaonekwa muna 2011. Nyanzvi nyanzvi dzinofunga kuti kubhurwa kwakadaro kwakasikwa zvine maitiro. Kutya uye kufara kwakaita basa ravo. Vashandi vashomanana vakatanga kutenga simbi inokosha yakawanda. Pakazosvika gore ra2014 nhumbi yenyika inokosha yesimbi yakaputsa zvose zvinyorwa. Nhasi, chiyero ichi chinodarika mazana masere zviuru gumi. Inenge hafu yezvikwata izvi zvose ndezvishongo. Mari yekuchengetera mari inowanikwa 23% chete.
Vashandi vakawanda uye nhasi vari kukurumidza kuisa mari mugoridhe. Kuongorora kunoratidza kuti nenzira iyi unogona kuwana mari. Asi iyi inoshandiswa kwenguva refu yezvemari. Usamirira purofiti mumwedzi mishoma yekutanga yekutsvaga.
Nzira yekuita sei mugoridhe?
Iwe unogona kuisa mari inokosha insimbi mune nzira dzakawanda. Zvinokwanisika kutenga zvigarama zvegoridhe nemari kubva kubhangi, kutenga jewelry yepakutanga kana antiques, uzarure nhoroondo yematare yemunhu mune imwe nzvimbo yezvemari, uye utange kutengesa pakutsinhanisa uchishandisa masangano evanoshambadzirana.
Ndarama yegoridhe nemari
Vaya vasingazivi nzira yekuisa mari mugoridhe, Sberbank inopa kutenga mabhidhi endarama kana mari. Nzvimbo yezvemari ine chikwata chakanakisisa chekuita maitiro ane chokuita nesimbi inokosha. Pachinhu chimwe nechimwe chegoridhe pane tsvina, iyo inoreva kurema kwemhepo. Bhengi inopa goridhe mabheji kubva ku 1 gramu kusvika 1 kilogram. Uyewo unogona kuwana ruzivo pamusoro pefekitari, ona chiziviso chemhando.
Zvinobatsirawo kuisa mari mugoridhe nemari. Izvo zvemhando mbiri - kushandiswa uye kuunganidza. Mhando yechipiri ndeyekukosha kwenhoroondo uye inogona kushandiswa kuchengetedza mari. Mari yekusungirirwa inodhura. Kuongorora kunogona kungoitwa chete nenyanzvi chaiyo. Zviri nyore nyore uye zvakakurumidza kutenga kutenga mari yegoridhe mari.
Kuisa mari muzvishongo
Kunyange ivo vatengesi vasina ruzivo mune zvehupfumi uye kutengeserana kwemari vanoziva kuisa mari mugoridhe. Zvinongoda chete kutenga chigamba chepakutanga chezvishongo. Iyi ndiyo nzira yakajeka uye ine mari inogona kutenga. Zvakakwana kungosarudza chishongo uye kuchibhadhara mubhuku rekoti redu. Panguva imwe chete, hapana chikonzero chekupedza kontrakiti, kuzadza zviziviso, nezvimwewo.
Kuisa mari muzvishongo zvekare kunewo zvikanganiso zvakawanda. Mushure mokunge chigadzirwa chacho chichibva muchengeti rezvitoro, inowira mumutengo we25-35%. Izvo zvisingakwanisi kuishandura iyo pamutengo mukuru. Mukuwedzera, kuita zvishongo zvinenge zvisingamboshandisi goridhe muhupenyu hwahwo hwakachena. Pamusoro pezvinhu zvakawanda zvinowanikwa mumatare edzimba zvekushongedza, kune 585th test. Izvi zvinoreva kuti simbi ine 58.5% chete yegoridhe. Usati waita mari muhutano hwehutano huno, zvakakodzera nguva dzakawanda kufunga. Zvimwe zvinonzwisisika kushanda kubhangi?
Unallocated metal bank account
Iyi inguva yakazara iyo inogona kuvhurwa mune imwe nzvimbo yezvemari. Misiyano chete ndeyokuti inochengeta magiramu kana kirogiramu yegoridhe, kwete mari. Vakawanda havazivi nzira yekuisa mari mugoridhe mubhangi uye kwete kudarika. Ichokwadi ndechokuti kutenga kutengwa kwesimbi yakakosha panguva yekusvika kwesungano hakuiti. Izvi zvinoreva kuti mutengesi haubhadharwi. Mari inongodhadharwa mune imwe nhoroondo. Panguva imwecheteyo, mari yacho inoshandurwa pamutengo wokutengesa kweimwe zuva.
Kuvhura nhoroondo yesimbi yesimbi mubhangi ine zvimwe zvinyorwa. Mhedziso yegvumirano haicharevi chero mari yemari. Asi kana muridzi wekuda achida kutenga mari yekubhadhara mugoridhe, zvimwe zvinodhura zvichaonekwa. Chokutanga pane zvose, zvichave zvakakodzera kubhadhara 18% yeVAT pamutengo wemari. Mukuwedzera, zvichange zvakakodzera kuongorora hutsika hwe ingot. Uye iyi nzira inoitwawo kwete yekusununguka.
Ndeipi nzira yekuisa mari inobatsira?
Mumwe nomumwe anotanga kuisa mari munguva pfupi inokumbira nezvekushandisa mari mari inobhadhara mari. Zvose zvinotarisana nechitarisiko chinotarisirwa. Kana iwe uchingoti uchengetedze nheyo yako, saka kutenga muviri kwegoridhe kwakanyatsonaka. Asi pano zviri nani kupa zvakanakira ingots mabhanki nemari. Nenzira iyi, mari inogona kuchengetwa kwenguva refu.
Ndeipi bhagheni inopa mari?
Kune avo vasingazivi mari yekuita mari mugoridhe, VTB 24, Sberbank, neAfa-Bank vanopa mazwi akanaka kwazvo. Aya masangano emari anotora nzvimbo dzinotungamirira mumusika wemisika. Sberbank, somuenzaniso, ave achishanda neefersonersonalized metal account kubvira muna 2002. Munguva iyi, masangano akawanda ezvemari akakwanisa kushandisa masangano ehurumende yemari. Vamwe vakakwanisa kuwedzera huwandu hwavo. Bhizinesi inoshanda zvose pamwe neakaunti uye negoridhe chaiyo.
Kutengeswa kuburikidza nevatengi
Kuongororwa kwevatengesi havasi kukurumidza kutakura mari kubhangi. Kutengesa mugoridhe kunogona kushandiswa. Iyi ndiyo yakanyanya kuoma uye panguva imwechete inobhadhara mari yekutsvaga. Hazvina kukwana kuti uve nekutanga pekutanga. Iwe unofanirwa kuziva nhamba dzekutengeserana pamatengesi ematengesi, kunzwisisa mazwi uye zvigadzirwa zvemari. Muchiitiko ichi, mari yakanaka inogona kuwanika kwete panguva yekukwira kwemitengo yesimbi inokosha. Munhu ane ruzivo rwekwereti achakwanisawo kuwana mari pakuwa kwekukosha kwe troy ounce.
Kutengeswa kwegoridhe mumusika kuchakwanisa kungova nemari muchengeti chaiye chete. Pane njodzi huru yekurasa zvachose mari yako.
Zvakakosha here kuisa mari mugoridhe?
Inenge 50% yekutengeserana kwose kunosanganisira ndarama kunoitwa apo nyika inotanga matambudziko emari. Izvi zvinokonzerwa nekuti iyo inokosha insimbi ndeimwe yezvigadziriswe zvigadzirwa zvekutsvaga. Panguva imwecheteyo mutengo weunenge usati wambomira unomira. Ndarama pane imwe nguva inogona kukura mumutengo ne15% kana kupfuura.
Kuisa musimbi yakakosha kunotora nguva yakareba. Zvakakosha makore mashanu kana manomwe kukanganwa pamusoro pekutsvaga kwekusimudzira mari yako. Munyaya iyi, zvibereko zvaro zvechokwadi zvichave zvakakwirira.
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