Mari, Personal Finance
Imba inokonzerwa nemari inowanikwa zvishoma inoshandiswa nemabhizimisi anofanira kuedza
Iwe unofunga sei, zvinokwanisika kubhadhara mutero pane mari yaunowana iwe hauna kuwana zvechokwadi? Icho chinopera kuti zvinobvira, zvakare, basa iri rinopupurirwa nemutemo. Asi izvi zvingave sei? Kuti tibate nemamiriro ezvinhu aya, zvakakosha kuti tinzwisise zvinorehwa neshoko rakadaro semari inopihwa. Iyi inogona kuita mari inogona kuwanikwa iyo mubhadhadzi anogona kugamuchira nenzira yemari inowanikwa nekuita mune rimwe rudzi rwebasa (rondedzero yakakwana yemarudzi ose inogona kuwanika muRare Code, chinyorwa nha. 2). Inotarirwa pamusana pekubatanidzwa kwezvinhu zvinokonzera mutengesi kugamuchira mari uye ndiyo chikonzero chekubhadhara mutero wakakodzera.
Nhamba yemari inoshandiswa haisi yechokwadi (chaiyo), asi inogona, iyo inonzi yakagamuchirwa kune imwe nzvimbo yebasa. Zvechokwadi, ichi chinhu chakamanikidzirwa, icho pane chero chipi zvacho mutero unotorwa. Uye kana iwe usingakwanise kuchiita, iwe unofanirwa kufungisisa kana zvakakosha kuti uite mune iri bhizinesi rebhizimisi. Munyaya iyi inofungidzirwa kuti kana mari yako chaiyo inowedzera yakaderera pane mari inonzi yakagadziriswa, izvi zvinoratidza kusagutsikana kwechiitiko ichi chekuita uye chido chekutora zvimwe zviyero (kuwedzera mari kana kuvhara / kutengesa bhizimusi).
Nzira iyo inotorwa mukutarisa kwekukosha kwakadaro inogona kuva iyi inotevera: nhamba yevashandi, mamita mazana mana emakamuri, kubereka, kupera kwevatengi, nevamwe. Nokudaro, zviratidzo zvenyama (zvakasikwa "kubva kumusoro") zvinoongororwa, uye kwete maitiro chaiwo ekugadzirisa.
Mutero mumwe chete pamusana pekuwana mari ndeyekuti "wechidiki" chiitiko mumutero weRussia. Yakagamuchirwa muna 2000 uye inoramba iine simba kusvikira nhasi. Zvikonzero zvekuisa chiratidzo chakadaro zvakatsanangurwa sezvizvi: zvemarudzi ose emabasa kune mavhareji emari yemari iyo mutengesi anogona kuwana mari pamwedzi. Uye basa racho richanzi rakabudirira (rinobatsira / rinobatsira) chete kana zvichikwanisika kuzadzikisa "chiyero chekuwana mari". Zvakakosha kujekesa kuti mutero unobhadharwa kubva kuhuwandu hunokosha, huchigadzirirwa huwandu hweiyo. Izvi zvinosanganisira zviyero zvakadai sekushandura kwekubatsira, kugadziriswa kwekuchinja mune zvemari yeRussian Federation (K1); Nharaunda yemunharaunda (K2).
Kuwanda kwemari inopihwa, kuverengerwa kutora kuverengera K2, ndiyo inonyanya kufanirwa kune zvinobatsira chaizvo uye inoratidza maitiro ebasa reimwe sangano mune imwe nzvimbo. Ndicho chiyero ichi chinoratidza zvinhu zvinokosha zvemasimba emunharaunda maererano nekusimbirwa kwezvikamu zvebhizimisi rimwe nerimwe, kupa kwezvipo kumapoka akasiyana-siyana evatengesi, nezvimwewo. Kunyange zvazvo inonyanya kuoma nzira yekuverenga mutero wemitero. Nzira iyo inotsanangurwa inoita seyiyi:
VD = BD * (N1 + N2 + N3) * K1 * K2, kupi
VD ndeyechokwadi, inoshandiswa mari. DB - mari inokosha, inofunga nezvezviratidzo zvenyama (N1 / 2/3) uye yakagadziridzwa ye coefficients (K1 / 2). Mamwe mashoko pamusoro peumwe neumwe wavo, akashandiswa munyaya yebasa rezvemabhizimisi, anogona kuwanikwa muRare Code yeRussian Federation.
Nokudaro, paanoronga kuita mune rimwe rudzi rwebhizimisi, mumwe anofanirwa kufunga nezvemari inonzi yakawanikwa yakaverengwa nokuda kwayo. Izvi zvinokubvumira kuti unzwisise kuti unofanira kutungamirirwa sei nekugadzira bhizinesi rebhizimisi uye edza kukudarika kuburikidza nokutanga kwekushandiswa kwepurojekiti yako.
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