Chezita mari - chii ichi? The zvazvingava chezita chokudzoka

Chezita mari - zvakakosha kuti kuverenga izvo rinoshandiswa mashoko evasingatombonamati zvemari, apo kwete pasi kunyoresa: pachiyero mitengo, mitengo uye rokutenga simba mari.

Nzira dzekufambisa Pakusarudza zvemari kusaruramisira

Vanhu kuvapo mukati munzanga, vane dzakasiyana siyana mari, saka, kugara vaakasarudza chinzvimbo. Chezita mari - iyi mhedziso usapinde ukoshi.

Kuziva kuti mari anoparadzirwa, shandisa rimwe anotevera nzira:

• Statistical nzira yokuziva kukosha avhareji.
• Paumbwe mapoka, zvichienderana kukura mari uye fananidzo Zvichakadaro netsika mwero izvi.
• Lorenz munyonga, kuvakwa runovabvumira kuona pamwero mukuru kusaruramisira munzanga kuburikidza tinofanira kugara (kuwedzera) kushanda.

Chezita uye chaiyo mari

Chezita mari - ndiwo mari yose mari kuti munhu akagashira panguva imwe nguva.

Pfungwa mari chaiyo kunosanganisira Anoverenga nenhumbi uye mabasa, izvo pakupedzisira nezvaaigona mutengi. Harisi Mhedziso kukosha, uye kuchinja kwenguva yePurotesitendi (chairo) Hazvizivikanwi mari kuburikidza mutengo indekisi. Ndokusaka yepakutanga nechigadziko nguva achipfeka Zvakangoitikawo pakubhadhara izvi mari, uye ipapo akaita kukarukureta mutengo kuchinja kwenguva yakati, uye zvichiguma musiyano pakati aizviti uye chaiyo mari iri kuitika munguva.

Musimboti chezita mari

Kazhinji, asi aizviti mari - ndiye chitsama mari kuti munhu akave nokugamuchira kana kushandirwa panguva yohupenyu hwavo. It ivowo zvinosanganisira marudzi ose pfuma uye mabasa yakatengwa kana ikabereka panguva iyoyo nguva.

Kukosha kwemari inogona zvinofungidzirwa kuva Zvaiitwa basa uye padanho kushandiswa. mari Real pakuverengwa:

• of mari kubva bhizimisi;
• Payroll;
• pamusoro bhezari kubhadhara;
• evanhu zvinobatsira;
• of mudyandigere;
• kuti mibayiro kubva kuchengetedzeka;
• vamwe mari vagamuchira, akadai kubva kutengeswa zvivako kana minda yekurima.

Zvichienderana mwero unotiranga, tinogona kutaura zvakanaka mumwe mugari uye kuti papi inogona kusangana zvizere siyana avo pakunamata uye pakurarama. On uwandu mari vanotungamirirwa zvinhu zvakadai: mubayiro, mari kubva pazvisungo, pachiyero mitengo iri pamusika uye kukosha nokuzara kwayo.

pamusoro zvinyorwa

Chezita mari akakura? Chinhu chingaitika, kunyanya kana paine kusiyana-siyana ari kupi. Somuenzaniso, wakawedzera mubayiro, purofiti kubva kunhaka pamusoro kuchengetedzeka kana uwandu muripo was zvinhu. Asi kunyanya chezita mari achiumbwa nokuda hurumende kubhadhara. Mari idzi dzinoshandiswa kufukidza munzanga zvinodiwa: kudzidza, nokurapwa uye zvakanakira siyana.

Chezita mari chikonzero chikuru kuti kukura vanhu. Somuenzaniso, munhu akadzikama mubayiro kunobatsirawo pamusoro kushingaira, basa uye kushanda kurangwa. Kana mamiriro ruyamuro ari kutarisira yakakwirira, zvinogona kutungamirira kuti vanetsane - vanhu vanokurumidza kufinhwa mabasa avo.

Credit uye mari hurongwa

Senzira mari ukama chezita mari vemo vakakamurwa sezvinotevera:

• muripo, iyo inoshanda sehwaro chirongwa chipi hurumende;
• mari kukura kuchengetedzeka;
• bhangi chikwereti aifanira kuvaka imba;
• Chikwereti Party, yakaitirwa mutengi munharaunda;
• rotari winnings;
• Various fines kana basa;
• kuvapo kwenguva pfupi kuwanikwa mari, aumba somugumisiro kuzviwanira nhumbi nechikwereti;
• Other mari kutengeswa pachake chinjwa pfuma.

Mukuwedzera, muna aizviti mari zvinosanganisira fanira kubhadhara akadai mutero. Kureva, kubhadhara izvi mune inotungamirwa dzokuwedzera zviwanikwa uye hurumende ichiisa guru.

Items mari

Mari chavagari - iri mari uye zviwanikwa mhando vakapiwa kuti imwe nguva. Wokutanga zvinosanganisira chero mari zvemari: mari entrepreneur, mushandi mubayiro, makomborero, pensions, dzidzo, kufarira, mibayiro, rendi, uye uwandu kubva kutengeswa kuchengetedzeka, zvivako kana zvirimwa, etc. Family bhajeti ongororo yakaitwa neHurumende Nhamba rega kufunga mupiro kuwedzera mari mubhangi.

Mari iri mhando - ndivo zvibereko dzakadaro mumhuri, akadai zvokurima, mhuka minda uye yehuku kurima. Uyezve, pano zvingasanganisira mumwe zvigadzirwa, mabasa, kana zvimwe zvinhu zvinorwadza (hrs., KG paawa) yaunganidzwa infield kana mubindu runofarira, nomumwe papurazi. chikamu ichi zvinosanganisira samozagotovki zvipo zvakasikwa, aida kushandisa (non-chinokosha fomu).

kusakosha kwemari

Kumusoro akaputirwa zvakadzama pfungwa "chaihwo chezita mari." Mitengo kunogona yekudyidzana kuchinja padanho profitability, nekuti, nyore, mari maturo. Izvi zvinoitika nokuda kukura pamusoro mamiriro dzokutambura mari pamwero mitengo. Mitengo - haisi duku kusvetuka muna mitengo, uye refu uye zvakaoma ezvinhu, nokudzorwa mamiriro kuburikidza nokushandisa upfumi zviridzwa zvakasiyana.

The zvakakura mugumisiro mitengo - ndiko kukura redistribution mari uye upfumi. Pakadaro, munhu vasanyanye rokutenga simba mari somugumisiro kukuvadza vanhu vose.

A kuderera mari chaiyo panyaya kana aizviti mari kukura pazasi mwero mitengo. Somugumisiro, munhu anogona kutambura: munhu kugamuchira wakaiswa mari (state vashandi, akarega basa), muridzi mari mubhangi, uyewo womunhu anomukweretesa.

Zviri munzvimbo zvinobatsira nzvimbo:

• entrepreneur, mutengo apera zvigadzirwa riri kukura nokukurumidza kupfuura zvinhu zvinodiwa ayo gadzira;
• chikwereti;
• State, kubhadhara zvavaifanira mari husingakoshi.

Nokudaro, mitengo "mutero" aifanira "kubhadhara" vanowana wakaiswa uwandu, uye "dzinopiwa" achawana kune avo vane mari mari simuka nokukurumidza kupfuura mitengo. Mugumisiro - mari uye upfumi vari redistributed.

Nzira kuti kuverenga mari chaiyo

Anenge munhu wose anoziva kuti pasi chaiye purofiti zvinonzwisiswa sezvo mari kubvisa mitengo. Mutengo kuwedzera kunoitika rusarura chero zvigadzirwa, zvinhu uye mabasa. Nhamba dzinoratidza kuti mumakore 15 apfuura tave 5-mudanga nokuwedzera mitengo. Izvi zvinogona kutsanangurwa ane muenzaniso nyore: mari nguva yose iyi yakanga yaita pasi metiresi, usati aigona kutenga 5 maapuro, asi zvino mumwe chete.

Kuti achengetedze ari rokutenga simba vanhu vanowanzofunga kuti mari mari dzavo chiridzwa zvemari - dhipoziti, mari, Real Estate. More akura akakwezva mumatanda, zvisungo simbi dzinokosha.

The zvazvingava chezita chokudzoka kubvisa mitengo vari goho zvechokwadi. Its kukosha zvinogona zvose zvakanaka nezvakaipa.

About kukosha zvisungo uye kopani mari

The mutengo kuitika wemurandakadzi - ndiye anokarirwa mari nokuyerera pachinhu kuitika nguva. The nemamiriro mari kuyerera chinosanganisira yenhengo vaviri aizviti kopani uye chiso kukosha zvisungo.

Mari kunobva ezvinhu anotevera:

1. Pokukurukura mari aibuda mune akapoteredza nguva panguva iyo kopani mubereko achaparadzwa kubhadharwa, izvo ichichinja zvichienderana ezvinhu chii zvaitika munguva chisungo nyaya.
2. musika inodzoka Size anofunga ngozi kuri kubva mari mhando iyi. Kwakakura runodiwa goho dzingasiyana zvichienderana oparesheni nguva.
3. Mumwe chisungo ane finite nguva, panowanikwa kunoda kukanzura kwayo.

Bonds: The mutengo uye zvinoita sei nayo

On kukosha chisungo kunogona kuchinjwa siyana zvinhu, zvinoti:

• chimbadzo;
• kuti kukurumbira uye rakavimbika issuer;
• nguva pakunamata;
• kutenderera kumwedzi.

Chokwadi, kukosha zvisungo zviri zvikuru nokuda hwavapo pakabudiswa mwero yechimbadzo tsanangudzo iyo, akavapindurawo, ari kuchinjwa aizviti kukosha chisungo uye zvibereko. Kana investor ane inotsiva mari Investments, uye zvimwe zvirwere zviri vakaenzana, chisarudzo achawira nyasha soro anodzoka. Somuenzaniso, kana kukosha kopani riri zvibereko 12% chete annum uye ane nzira shanduro mubhizimisi anokwanisa kupa mari chete, chisungo inofanira kutengeswa panguva aizviti mutengo.