Mutemo wekutanga wemari yemari inoti mari inofanira kushandiswa pakuwedzera. Nzira inobatsira uye yakajeka yekuisa mari mukupararira ndeyokuita mari mubhangi. Iyi haisi nzira chete yekuchengetedza mari yako, asiwo mukana wekugamuchira nguva dzose (kufarira).
Deposit - chii ichocho?
Kuti uwedzere zvakakodzera uye zvinongoratidzira kushandiswa kwemari kwakadai sedhipatimendi, unofanirwa kutendeukira kumashandisi emari. Iko mari yacho inokosha yekwereti. Kana chikwereti chevatengi chiri chikwereti chebhangi kune mutengi, ipapo bhadha inotora mari inokweretesa iyo vatengi vachizvipa kubhangi ravo, pamwe nemamiriro ekuwana chikamu.
Kutengeserana kwakadaro kwemari kunobatsira pamwe pamapato maviri, zvose kune depositor uye kubhangi. Kutaura kuti chii chiripo, mudzidzi wacho anowana mukana:
- kuisa mvumo yekusununguka mari mu circulation;
- gamuchira chivimbo chekuchengetedza mari;
- kushandisa shanho yemari.
Uye bhangi inowana mukana:
- kuwedzera kudhura kwako kwezvemari;
- kuwedzera mari yezvikwereti mari kune zvinodiwa nevanhu;
- kusimbisa nzvimbo yayo mumusika wemari.
Deposit deposit - chikwereti chebhangi kune depositor, uye inotarisirwa kubvumidzwa kudzoka kwemari kune muridzi wacho pashure penguva yakati. Usati watora mari yako kubhangi, sarudza kuti ndeupi mupiro waunofarira. Zvakakosha kuziva kuti chii chinoparadzanisa dhomwe iri nyore kubhangi rine chido kubva kune dhipiti.
Ndechipi musiyano pakati pehomwe uye mari?
Iyo mari inosanganisira tsanangudzo yakajeka, uye mupiro ndeimwe yemhando dzakasiyana-siyana. Misiyano yekutanga pakati pemari uye mari yacho ndeyokuti mari chete inogona kuita sechikwereti. Ndiko kuti, mutengi webhangi anovhura aunti, anopa imwe mari yemari pairi uye anoiisa pane iyo yega sangano rebhangi kuitira zvakanyatsorondedzerwa (kana kuti nguva isingaperi, inoda) nguva. Nokuda kwenguva yakatarwa yekuchengetedza, bhangi inotarisira kodzero yekurasa mari iyi pachayo.
Mhando dzezvinyorwa
Iko mari yebhangi ine marudzi akasiyana-siyana, zvichienderana nemitemo yesungano pakati pekambani yemari uye mutengi. Saka bhagheni inogona kupa kupa mari nemamiriro acho ezvinhu:
- kubhadhara mari - kubhadhara nekudzokorora;
- account account savings;
- kuisa pamwe nemamiriro ekuda;
- kuchengeta;
- multicurrency deposit;
- kuisa nemari;
- kuchengetedzwa kwemari;
- pension;
- investments.
Rumwe rudzi rwekontrakiti rine maitiro ayo, pamwe chete nemashizha ayo. Pamberi, kupa ruzivo kune izvi kana kuti rudzi rwekutsvaga kwemari, zvakakosha kudzidza pamusoro pekodzero dzemitemo uye zvinotarisirwa nemutengi (depositor), uye zvipi zvinobatsira uye kodzero bhaganisi pachayo inogamuchira pasi pesungano yakadaro.
Kubhadhara mari
Kana iwe uchifunga zvose zvakabhadhara mari mumabhangi, ipapo mari yekuchengetedza ndiyo imwe nzira yakanaka yekukurumidza. Kubva pakusarudzwa kwekutanga, izvi zvinoratidzwa nekwanisi yekugadzirisa "kukanganiswa" kwemari muhomwe huru-dhipatimendi nekudzokorora. Izvi zvinoreva, nokuisa imwe mari mubhangi pamapurogiramu, muchengeti ari oga anoziva zvishoma nezvishoma anogona kuwedzera muviri weiyo mari nekuisa zvitsva pamari ino.
Muchiitiko ichi, zvakare, mamiriro ekuisa mari pane imwe nguva yakanyatsorongedzerwa muchibvumirano kana kuti nguva yekuda mari inoshandiswa inoshanda zvakare. Chinhu choga choga ndechekuti mutengi anoedza kuramba achizadzikisa iyo nhamba yeimwe chikwata (iwe unogona kuwedzera, asi kwete zvishoma) zvakataurwa mukonti. Mutengo wepaiti yakadaro ichange yakasiyana zvichienderana nemamiriro ezvinhu ebhengi anopa mutengi.
Nenguva pfupi inoshandiswa
Pakati pezvinhu zvose zvinopiwa nebhangi, zvakakodzera kubhadhara pane imwe mari inobatsira - nguva pfupi. Chimwe chinhu chechipo chakadaro munguva yaro yekushanda. Anoreva kuisa mari yakawanda pamusoro pake kwenguva pfupi. Pfungwa huru yemupiro wakadai ndiyo mukana wekwereti kuchengetedza mari yakawanda yemari pakati pekutsvaga kwekutengesa mari. Kazhinji kakawanda mari yakadaro inoshandiswa nehuwandu hwevanhu:
- kana achida, nokukurumidza kuwana mari yakawedzerwa kubva kune mari yakawanda;
- kuchengetedza mari yakawanda kubva kune mbavha;
- apo vachitengesa uye vachitenga pfuma inodhura uye inenge isingachinji.
Nzira iri nyore yekuona kushanda ndeyemuenzaniso uyu. Munhu anoita mutengesi wekutengesa imba. Mariro inowanikwa mumari, kureva kuti, mari yakawanda yemari iripo mumaoko evanhu. Kuchengetedza mari yakawanda sei iri kumba kusachengeteka uye ipapo muteresi anouya kubhangi nechinangwa chokuita mupiro. Kana munguva yemberi iri pedyo, iyo depositor ndeyokutenga kukuru, hazvizobatsiri kuti apinde mukonesheni kweimwe nguva yenguva uye ipapo bhangi inomupa nechigadzirwa pasi apo muchengeti anogona kuzarura account kwemazuva mazhinji.
Kuda Madziro
Imwe mhando yakakurumbira yekubhadhara mari kuburikidza nebhangi inowanikwa pamari. Saka, pamberi pehuwandu hwemari, muteresi anokwanisa kuzarura e-akhawunti uye kupa mupiro pane zvaunokwanisa kushandisa mari pane chero nguva. Mari yakadaro inonyanyozivikanwa seimwe yemhando dzekukurumidza kuchengetedza mari kana mupiro wekubhadhara mari. Saka mutengi, akaisa mari yakawanda mumabhuku, pasi pekufarira, mushure mekunge pane mukana wekubvisa kana kuwedzera chimwe chiyero.
Bhizinesi yakadaro yebhangi inofanirwa kana mumwe munhu, kana pane mari yakawanda, haadi kuronga kutenga munguva inotevera. Mari inoratidzwa nekambani iri mumhando yayo yepakutanga, mutengi anogona kuwedzera (zvakanaka, kana kuti kwete kuwedzera) kunhoroondo yeimba, asi anokwanisa kubvisa chikwereti chero nguva. Pane mukana wekushandisa mupiro wose kana chikamu chavo chero nguva panguva yekuda.
Kubatsira:
- kune mimwe mitemo yekuwanda kwemari yacho;
- kukwana rusununguko rwekuita kwekwereti.
Kukanganisa:
- mamiriro ezvinhu haabatsiri zvishoma;
- iyo inotora chikwata ichiderera.
Kunobatsira kubva pamari yezvokudya zvechigadzirwa chakadaro chichava muchengeti chete kana mari yakawanda kwazvo ichiiswa. Nekanyanyisa kwekuchengetwa kwekuda kufarira, zvakakosha kusarudza rimwe chigadzirwa chebhengi. Chido chekuisa mari chichava chakanaka kwenguva yakareba yekuunganidza kana sechipo chevana "kusvika pakukura".
Kuponesa kuripo
Kunzwisisa mubvunzo wechirango chiripo, zvakakosha kubhadhara kune rumwe rudzi rwemhando yebasa. Bhizinesi yakadai sebhengi semari yekuchengetedza mari inobatsira chete apo mari yakawanda inowanikwa panhoroondo. Muchiitiko ichi, chinangwa che depositor ndicho chikwereti chinowanikwa kubva mudipiti. Mutumbi wehomwe yacho inofanira kuva yakasimba mune imwe nguva inorehwa musangano. Mari yakadaro haikwanisi kubviswa kubva kubhangi chero nguva, kunze kwekunge kupera kwezwi iri pasi pesangano. Chisarudzo ichi chekuisa mari chinoda kutevedza zvakakwana nemitemo.
Multicurrency inopa
Zvakakosha kuziva kuti mari yakadini iri mu-multi-currency sarudzo. Nzvimbo isina kugadzikana yezvikwata zvemari inoita mabanki kutarisa nekugadzira zvitsva zvinobatsira zvevatengi. Saka kuiswa kwe-multicurrency kunobvumira muchengeti kushandisa mari yekushandura mukati memubhadharo iye oga. Nhepfenyuro yemari inoratidza kuti mari inowanikwa kune dzimwe nyika ndiyo inowedzera mari inoshandiswa.
Dhipatimendi ne capitalization
Mari yekukurumidza yakachengetedzwa - ndeyemutambo wezvakanakisisa uye zviri nyore kune zvingakwanisi zvevatengi pakuisa mari mubhangi muzvikwereti. Mafaro makuru echisarudzo ichi anosanganisira:
- kukwanisa kwekwereti kutarisa kushandiswa kwezvose nehomwe;
- kodzero yekutora mari yacho chero ipi zvayo pauchenjeri wayo;
- kugamuchira chikamu chepamusoro chebhangi;
- mukana wekutora mari chero nguva;
- kuwedzera kwechido kunowanikwa pamutengo chaiwo weiyo account (nguva dzose inowanikwa zvekufarira).
Mamiriro ekugara aine chido chekugadzirisa mari inowedzera mari iyo iyo muchengeti asingabvisi mari uye akawana chido kwenguva refu. Zvadaro nekuwedzera kuwedzera mumuviri wemupiro, iyo yereji inowedzerawo. Mukati yekuwedzera mari yacho, kuwedzera kwekufarira kunowedzera paakaiti yepaiti.
Chengetedza mari
Kuti zvikwanise kunyatsonzwisisa mufananidzo wepledge policy, munhu anofanira kuva nemafungiro ezvo zvinorehwa zvinoreva, iyo iyo dhipatimendi haisi kungowedzera mari, asiwo nekuchengetedzwa kwekuchengetedza. Saka, kupa tsanangudzo yedhipatimendi yedhomwe iri nyore pane imwe muenzaniso. Kazhinji kacho rudzi urwu runoshandiswa pakushandisa dzimba kana imwe nzvimbo inofamba uye isingachinji. Muridzi, muridzi weimba, kuitira kuti atsigire pfuma yake kurwisana nemunhu (kukuvadza pfuma, kukundikana kubhadhara mabhizimusi ehurumende, nezvimwewo).
Pension deposit
Pane zvingasarudzwa kana munhu achida kushandiswa kwenguva refu. Ndeipi mari yepenjeni - chigadzirwa chakadaro chakabhengwa chinogona kuumbwa kwemakore akawanda. Iyi ndiyo mari yakabhadhara zvikuru nekudzokorora. Makore mashomanana vasati vatora basa, mutengi webhangi anovhura akaunti yekuchengetedza mari, iyo pane zvigaro zvekusingaperi kubva pakadhi yebhadharo (mubhadha).
Pamusoro pokusiya basa, mutengi ane kodzero:
- Shandisa mupiro wako paunyanzvi hwako;
- wedzera mutumbi wechipu muuchenjeri;
- ingotora chikwereti kamwe chete pamwedzi.
Imari yekurasikirwa inogonawo kureva kuderedzwa kwechido kamwechete pamwedzi pane kadhi repeneniti rekwereti. Chisarudzo ichi chekuisa mari chinoda kunyatsodzidza mhuri nemamiriro ose ebhengi. Zvakakosha kubhadhara mazwi nemitemo ye inshuwarisi yekubhadhara. Dambudziko nderekuti bhangi rinogona "kupisa" uye zvakare kuchengetwa kwe depositor kuchaponeswa chete ne inshuwarisi yakagadzirwa zvakanaka.
Investment inowedzera
Kana muchengeti ari kufarira mubvunzo wekuita mari pane mari, bhangi inomupa chinhu chinotevera - mari yekubhadhara. Iyi ihama inoshandiswa mumusana weSoviet. Nheyo yemukana wakadaro ndeyekuti zvinowanzoitika zvinosanganisira mazita pasi apo iyo mutengi anotora chikwereti chekutenga chikamu chemari yekutsvaga mari. Izvo zvakakosha ndezvokuti kana misika iri kukura, zvino mutengi ari mune mari, asi kana misika iri pasi, mutengi anorasikirwa nemari. Chisarudzo chekuisa mari chinogamuchirwa bedzi kana muchengeti achiziva zvinobatsira uye njodzi dzekutamba kushandiswa kwemari.