Cumulative kadhi: zvinobatsira uye zvisingabatsiri

Sezvakaratidzwa zvinoratidzira, kuvimba kweve depositors mumabhangi emabhangi munguva dzekutambudzika kunowedzera kuderedzwa. Kuti varege kurasikirwa nevatengi, vakagadzira chigadzirwa chitsva chemari - kadhi yekuchengetedza. Nezvakakonzerwa nekadhi yemakadhi, pamwe chete nezvakanakira uye kukanganisa, ichakurukurwa munyaya ino.

General concepts

Rudzi urwu rwekadhi harusi rwakasiyana nemadhidhidhi evanhu vanowanikwa, kunze kweiyo - inogona kuwedzerwa kufarira. Zvinonzwisisika, mari yebhonasi ichagamuchirwa pamutengo unowanikwa pachiyero chebhuku. Iwe unogona kushandisa mari yekuisa mari panguva ipi zvayo uye paunonzwisisa. Makadhi ebhengi anogona kuvhurwa nevanhu. Panzvimbo pekukanda mabhenji uye zvikwereti zviri nyore kurasikirwa, zvigadzirwa zvekubhadhara zvakadai zvakagamuchira kuvimba kwevanhu vakawanda.

Nzira yekubudisa kadhi rechikwereti

Chokutanga pane zvose, iwe unofanirwa kusarudza bhangi umo mutengi anoda kuigamuchira. Zviri nani kupa zvido zvekutaura masangano emari, nokuti zvipo zvose kwavari zvichachengetwa. Saka, mugari wehuyo anenge asvika makore ane makore gumi nematanhatu anogona kushanda kubhangi nechikumbiro chekubudisira iyi michina yemari kwaari. Zvichave zvakakosha kunyora chikumbiro chekugamuchira uye nekunyatsoongorora zvese zvese nemitengo, kuitira kuti mune ramangwana hapazovi nekusawirirana. Uyewo, unofanirwa kupa chirongwa chekuziva uye waitarisira mhinduro yemutungamiriri. Somuenzaniso, kadhi rekuchengetera mabhengi reAngings richave rakagadzirira mumazuva gumi nemaviri. Kuti uzive chigumisiro, iwe unoda kudana nhepfenyuro yebhangi uye kumbira manekeri pamusoro pekuwanikwa kwechigadzirwa chemutero kana kuti taura nebazi riri pedyo nekambani yemari.

Iwe unogona kubhadharira kubhadhara uchishandisa webhusaiti yepamutemo yebhangi. Kuti uite izvi, enda kune "Zvinyorwa" chikamu uye uzadze fomu. Mukati mune imwe nguva yenguva, pachava nekupindura pamusoro pekugona kwekugadziriswa kwemiti kana kukaramba.

Kubatsira kwemakadhi ememori

Vagari venyika iyo vanoshandisa basa rekuunganidza mari pamakadhi avo okubhadhara vanowana zvakasiyana-siyana kune avo vasina mari iyi. Iye zvino haufaniri kutakura mhindu yemari uye kutya kuti inogona kubiwa. Mukuwedzera kune kuchengeteka kwemari, mutengi anowana mamwe maitirwo akawanikwa paakawedzerwa mari, kureva, iyo mari iri paakaiti. Maererano nechibvumirano, mari iyi inofanira kunge yakaenzana kana yakakwirira kudarika yakasimbiswa. Bhengi imwe neimwe ine zvido zvayo uye mari. Imwe nzira inobatsira ndeyekuti muteresi anokwanisa kubvisa chikwereti kubva kubhuku, asi kune imwe nzvimbo. Zvechokwadi, zvinhu zvose zvinoenderana nemamiriro ebhengi. Semuenzaniso, kadhi yekuchengetedza yeSberbank inopa ropafadzo kuvashambadzi ivavo vane bharuki dzinopfuura zana nezana pamabhuku avo. Vanhu vakadaro vanogamuchira basa rekusununguka kuburikidza nemakadhi ebhengi. Mukuwedzera, iyo yakawanda yakawedzerwa mari, inowedzera chikwereti chinowanikwa .

Mukuwedzera kune zvakanakira pamusoro apa, nerubatsiro rwechiridzwa ichi chemari iwe unogona kuripa muchitoro. Uyewo, kadhi yakawanda inokubvumira kutora chikwereti pane kadhi rechikwereti. Mune zvimwe zviitiko, zvinobatsira zvakawanda kuti usabhadhara chikwereti.

Kukanganisika

Mukuwedzera kune zvakanakira kadhi yakawanda ine zvisingabatsiri. Semuenzaniso, haugoni kubvisa mari yose kubva pane imwe nhoroondo kuburikidza nechimbo chekubhadhara. Kana zvisina kudaro, kufarira kwose kunogona kubviswa. Izvo zvichavawo zvakafanira kuzadza muyero mwedzi woga woga kune mabhiri chiuru kana kupfuura. Zvinonzwisisika, iyo yakakosha mari yacho, iyo yakawanda iyo inopera uye mari inoshandiswa yemutengi. Kana munhu achikwereta nokuda kwekadhi rino, haagoni kubvisa zvachose. Mukuwedzera, iwe nguva dzose unofanirwa kudzora mari yako kuitira kuti urege kusvika pamari shoma. Mamwe mabhangi anomisa chikwereti chekuda kana mari iri pakadhi inova pasi pezinga rinodiwa.

Zviratidzo

Sezvo zvinogona kuonekwa kubva pamusoro apa, hapana chakaoma ndechokuwana chigadzirwa chemari yakakwana sekadhi yekuchengetedza. Izvo zvaunofanirwa kubhadhara kune iyo mitemo yebhangi. Mune zvimwe zviitiko, kufarira kunotyisa kunopisa nekukwanisika kwekutora mari pachavo. Uyezve, hapana chikonzero chekubhadhara mamwe mapepa ekuvhura kwebhengi, nokuti izvi zvinofanira kuitwa pamutengo webhangi.

Kusarudza pakati pekuvhara dhomwe uye kadhi yekuchengetedza, zvichiri kukosha kusarudza yekutanga. Izvi zvinotsanangurwa nechokwadi chokuti munyaya yepaidenti, chido chichava chakakwirira kwazvo.

Pane imwe imwe mhando yemakadhi matsuro - iyi ikadhi yekudzikinura kadhi. Icho chinenge chisina kusiyana kubva pamusoro apa. Izvo chete nemubatsiro wayo inogona kuva inobatsira zvikuru kubhadhara muzvitoro nemashambagitari. Pane imwe nzira yakatsauka, iyo inokubvumira kuchengetedza zvakanyanya.