Kukura kwemukuru wemubereki nhasi kunopfuura 453 makuru makumi matatu. Iyi mari inokosha zvikuru kune vagari vemaguta ose eRussia, kusanganisira megacities dzakadai seSt. Petersburg neMoscow. Ndicho chikonzero mhuri dzevechidiki dzakagamuchira chivako chekodzero yekurasa iyo kubhadhara, kurota kwekushandisa iko kugadzirisa matambudziko avo uye kuwana chimwe chinhu chisingagoni kutengwa pasina kukwereta.
Kubhadhara chikwereti mari yakawanda hakusi nguva dzose, sezvo uyo ane chikwereti anoda chirango chokuti uyo ane chikwereti achakwanisa kuidzorera munguva yemberi. Kugamuchira iyi chiremba, mhuri dzakawanda dzinoronga kuishandisa nekuda kwechinangwa ichi, kureva, kubhadhara chikwereti pamusoro pekuberekwa kwemhuri. Nzira yakadaro, inowanikwa, inokwanisika, asi pamusana pehumwe hutsika hwekuita kwayo.
Muchikamu chino tichakuudza kuti ungatora sei chikwereti chekuberekwa kwemhuri, uye pasi pemamiriro ezvinhu aya izvi hazvisi kupesana nemutemo.
Zvinokwanisika kutora chikwereti chekuberekwa kwemhuri here?
Izvo zvikamu zvose zvemhuri yemubereki, kana chikamu chayo, semitemo yakawanda, inogona kutungamirirwa mukuvandudza mararamiro ehupenyu hwemhuri mhuri, kuwedzera huwandu hwemazuva emangwana amai, kuronga nzvimbo yekugara kwemwana akaremara, pamwe nekubhadhara dzidzo yevana mune imwe nzvimbo yezvidzidzo uye kugara kwake muhostel .
Nokudaro, mutemo haugadziri kushandiswa kwechiyero ichi chekubhadhara mari kwekupira kana kubhadhara zvikwereti. Kunyange zvakadaro, pasi pesimba rekuberekwa, unogona kutora chikwereti chekutenga kana kuvaka imba. Sezvo mutemo, munyaya iyi, zvikwereti zvekutora zvikwereti zvinoshandiswa, mune izvo zvakagadzirirwa zvekugara kweimba inopihwa.
Mukuwedzera, pasi pesimba rekuberekwa, chikwereti chinotarisirwa chinogona kutorwa kunatsiridza mamiriro ayo mhuri inogara. Muchiitiko ichi, zvinyorwa zvechibvumirano chekupa chikwereti ichocho chinofanirwa kutsanangura chinangwa chemari iyi, iyo isingapesani purogiramu, iyo ndeyokuti:
- kutenga chimwe chinhu cheimba, zvose kune yechipiri uye mumusika wekutanga, zvichiratidza zvarinoreva, kusanganisira iyo chaiyo yekero;
- Kuvaka imba yekugara pane imwe nzvimbo yebindu nekubatsirwa nekontikiti kana iwe pachako;
- vakagovana kuvaka;
- kubhadhara chikamu chekunyora mumabato ekubatana pamwe chete uye mari yekuvaka.
Muzviitiko zvose izvi, muridzi wetikiti haakwanisi kuwana mari yakweretwa kubva kubhangi mumaoko ake. Mushure mokubvumirwa kwekutengeswa kunoitwa nePension Fund, inofanira kuendeswa kune rega yevatengesi nekusagadzikana kwemari. Zvakakosha kuziva kuti kuita chikwereti uchishandisa nzira dzemubereki mukuru, haufaniri kumirira kusvikira mwana asvika makore matatu. Iwe unogona kushandisa kune chikwereti chekwereti kune chikwereti, pakarepo paunowana chiiti.
Kuenderera mberi kubva pane zvataurwa, hazvibviri kutora chikwereti chevatengi mumari yekutora mari yekuberekwa, uye, zvakare, iyi inoputsa zvakanyanya mutemo weRussia. Zvisinei, kana iwe uchida kutenga chinhu chisina kukosha, kusvikira 31.03.2016 unogona kubhadhara 20,000 rubles kubva mumari yebhadharo iyi uye uishandise kune chero chinangwa pane chikwama chevatengi kana chikamu chayo.
Ndezvipi mabhanga anopa chikwereti nokuda kwekuberekwa kwemhuri?
Vakawanda vane zvikwereti zvekwereti havadi kutarisana nekutengeserana kwakadaro nekuda kwezvipingamupinyi zvepamutemo zvepamutemo, naizvozvo urongwa hwebhangi umo unogona kuwana chikwereti chekubhadhara iyi haigone. Kunyanya, zvinogoneka mumasangano akaita se:
- Sberbank;
- "VTB";
"Genbank"; - "Asia-Pacific Bank";
- Levoberezhny Bank;
- "Bhenesi yemisidhari";
- Interkommerts Bank;
- Khanty-Mansiysk Bank;
- "Far East Bank";
- "DeltaCredit";
- Uralsib.