Izvo zvinonzi zvikwereti zvinokasira zvakasarudzawo kupa nzira dzekubhadhara mari kune izvo zvido zvevamabhizimusi mune dhijitari chikamu. Kusangana nemari yako hombe: makomputa, zvigadzirwa zvemakomputa, mhinduro dzehunyanzvi, nezvimwe. Mukutsigira kwayo ine chokwadi chekuti ino yakasarudzika sosi yemari inobvumidza hunyoro kuti huve kuwanikwa nguva pfupi uye kazhinji pasina chikonzero chekutsanangura kana kuchinja mabhanga. Kunyangwe pane zvinopesana, akateedzana magwaro anofanirwa kupihwa mvumo yekuiwana, iyo dzimwe nguva inodarika iya yemaitiro echinyakare.
Mupfungwa iyi, zvinofanirwa kucherechedzwa kuti masangano anopa rudzi urwu rwechikwereti vanamuzvinabhizimusi vadiki nevepakati nepakati mune ino nharaunda kwete yakakura kwazvo capital capital, iyo inogona kusvika pakakwirira 10.000 euros, nemitemo yekubhadhara inosvika pakati pemakore matatu neasere, kunyangwe ichichinjana kubhadhara zvakanyanyisa mari yemubereko, munzvimbo iri pakati pe3% kusvika 8%, inova ndiyo kufunga kwekuiwana nekukurumidza uye pasina kuchinja mabhangi kana vanobhadhara mari.
Iyi sarudzo kune izvo zvakajairika zvikwereti zvebhangi zvinopa mari inodhura. Pamatanho ari pakati pe7% ne10% uye kune iyo inowedzerwa mune dzimwe nguva mamwe makomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Uine mukana wekukwanisa kuikanzura pamberi, kunyangwe mune iyi nyaya nechirango chinogona kusvika kusvika ku3% pamari inodiwa.
Zvemagetsi zvekutengeserana: chii chekupa mari?
Chikwereti chemidziyo yemakomputa chinokubatsira iwe mune mari yechero zvigadzirwa. Laptop, komputa yedesktop, smartphone, purinda, nezvimwe. Izvo zviridzwa izvo zvitoro zvemagetsi kana mabhizinesi zvinoshanda uye pane iyo yavo bhizinesi inoenderana kubva panguva iyoyo zvichienda mberi. Aya ndiwo mamwe masosi ezvemari ekutsvaga mari ayo anoda mamwe marudzi emhinduro kugadzirisa izvi zvido zvakajairika muchikamu.
Nepo kune rimwe divi, zvakare zvinodikanwa kusimbisa kuti izvi zvemunhu zvikwereti zvinogadzirwa zvine zvakanyatsotsanangurwa hunhu. Kupi mari yese yakatarwa uye zvakaenzana mwedzi wega wega, pasina kushamisika. Nezve iyo temu, iwe une anosvika kumakore matanhatu kana zvakadaro kubhadhara iyo michina yemakomputa kana kuisirwa tekinoroji iwe yaunoda pane imwe nhanho muhupenyu hwako.
Kazhinji izvi zvigadzirwa zvemari zvinogadzirwa nemapuratifomu epamhepo ayo anowanzo kupa akasiyana siyana ezvekupa uye kukwidziridzwa. Ivo vane kondirakiti pamusoro peInternet uye nekudaro zviri nyore kunyorera sezvo maitiro acho anogona kugadziriswa zvakasununguka kubva kumba kana chero imwe nzvimbo kwaunenge uri panguva iyoyo. Nemhinduro inokurumidza kwazvo pachikumbiro kana kwete cheichi chikumbiro icho varidzi vechitoro che digital vane.
Nepo kune rimwe divi, iyo zvakare inofanirwa kukosheswa kuti kubvumidzwa kwayo kunokutendera iwe kuve nezvimwe zvakawanda zvingasarudzwa zve wedzera yako bhizinesi kubva zvino zvichienda mberi. Kuburikidza nemvumo iyo inogona kukurumidza kwazvo nekuda kweakasarudzika maitiro eiri basa rezvemari. Kufanana nekuwedzera kwemapuratifomu ane aya mitsara yekuita uye ayo ane vanhu vakaita sewe sevagashiri vavo vakuru.
Chii ichi mutsara wechikwereti unopa?
Dzimwe nzira dzekuwana mutsetse wemari mune inokurumidza fomati yekutenga michina yemacomputer uye zvinhu zvinoumbwa nekupihwa kweakakura madhijitari echikwereti mapuratifomu Iwe unogona zvakare kuenda kune mukana wekunyorera imwe yeakawanda akawanda anokurumidza zvikwereti izvo zvinopa mari zvinopa panguva ino pamusoro mutsetse uye izvo zvinofambira mberi kusvika pamazana matanhatu ezviuru euros, paavhareji. Ivo vane mukana wekuti inowanikwa munguva pfupi kwazvo, isingapfuuri mazuva maviri, uye iine zvishoma zvinodiwa pane izvo zvakakumbirwa nemabhangi nemabhangi ekuchengetedza.
Asi zvinopesana, mukufamba kwenguva ivo vanodhura zvakanyanya nekuda kwemutero wakakwira unoshandiswa nemasangano anotengesa zvigadzirwa izvi, zvinochinja-chinja pakati pe15% ne25%, uye kuti semhedzisiro yeizvi zvinowedzera mutengo wese wemidziyo yemakomputa, iri kuratidzwa chete kune avo vanhu vakasiyiwa nedzimwe nzira dzemari dziripo mumusika, kungave nekuti chikumbiro chakarambwa, kana chakanaka nekuti ivo hazviite zvinodiwa kuti uwane iyo Avanza Chirongwa.
ICO mari
Kune rimwe divi, iyo ICO inopa ICO kiredhiti kiredhiti kune vanamuzvinabhizimusi uye vezvemabhizimusi mune yedhijitari chikamu. Pasi pehuwandu hwakawanda pamutengi: anosvika pamamirioni gumi nemashanu emamiriyoni, mune rimwe kana akawanda mashandiro. Yakagadzirirwa ku zviitiko zvebhizinesi uye / kana kudyara nekudyara zvinodiwa mukati medunhu renyika. Mune anotevera maitiro: kukwereta, kubhadhara, kurenda kana mutsara wechikwereti. Nechibereko chekuda: chakasarudzika kana chinoshanduka, pamwe nemahombekombe akagadzwa nechikwereti sisitimu zvinoenderana nenguva yekubhadhara.
Nezve iyo yekubhadhara uye nguva yenyasha, inoratidza nguva inotangira pamakore 1 kusvika makumi maviri nemukana wekusvika pamakore matatu enyasha huru zvichienderana nematemu. Mumakomisheni, kune rimwe divi, iyo kiredhiti institution inogona kubhadharisa imwechete komisheni pakutanga kwebasa, kuwedzera kune, pazvinenge zvakakodzera, kubhadhara kwekutanga. Guarantee: kutemerwa nechikwereti institution, kunze kweSGR / SAECA garandi. Mune chero zviitiko zvacho, zvikwereti zvinogona kuve zvakagadzwa pasi pemutsara uyu mukati megore rino riripo.
Chikwereti chemari yemari
Mutengi achakwanisa kusarudza pakati peiyo yakatarwa kana inoshanduka chiyero chemari. Kana iko kuvhiya kwakagadzwa pachiyero chemubhadharo, inozoongororwa mwedzi mitanhatu yese nekambani yechikwereti zvinoenderana nezviri muchibvumirano chemari. Makomisheni uye maris: iyo yechikwereti institution inogona kunyorera komisheni pakutanga kwekushanda. Mutengo kumutengi wekomisheni iyi pamwe nemubereko wekutambira haungapfuure yakakwira APR iyo inokwanisa kunyoreswa nechikwereti pakuita kwacho zvichienderana netemu yayo. Uye zvakare, yekuzvidira yekubhadharisa yekutanga komisheni komisheni inogona kuiswa iyo, kazhinji, ichave 1% yemari yakadzimwa kana iko kushanda kwaitwa zviri pamutemo pamwero wakatarwa.
Kana yagadziriswa pamwero wakasarudzika, komisheni yakakwira ye0,8% uye hushoma pa0,0 5% inozoiswa, zvinoenderana neakasara hupenyu hwekushanda pazuva rekugadziriswa kwemari. Rumwe ruzivo nezve kudzimiswa kwekutanga kwechikwereti. Kana zvikaitika kuti muripo wakurumidza kubhadharwa, muripo we2% unowedzerwa pamari isiri pamutemo. APR yekushanda Iyo Yegore Yakaenzana Rate (APR) inoshanda kune iyo oparesheni ichave inoumbwa nemutengo wekomisheni yekutanga, iyo inoshandisirwa chikwereti institution, kana zvichibvira, pamwe neicho chimbadzo. Iyo APR inogona kusapfuura muganho wakanyanya wakasimbiswa neICO. Nekuwedzera kwemapuratifomu ane iyi mitsara yekuita uye iyo iine vanhu vakaita senge iwe sevanonyanya kugamuchira.
Amortization uye nguva yenyasha
- Kubva 1 kusvika kumakore matanhatu ne 6 kana 0 gore renyasha huru
- Kubva pamakore manomwe kusvika mapfumbamwe ne7, 9 kana maviri makore enyasha
- Kubva pamakore gumi, gumi nemashanu, nemakumi maviri nemakore ane 10, 12, 15 kusvika kumakore matatu enyasha
Freelancers, vanamuzvinabhizimusi, makambani, veruzhinji uye akazvimirira masangano (nheyo, NGOs, Ruzhinji Kutungamira), vanoita bhizinesi ravo muSpain, vanogona kunyorera mari iyi zvisinei nehofisi yavo yakanyoreswa kana kero yemutero uye kuti ruzhinji rwemaguta avo iSpanish kana mutorwa. Ivo vanhu, nzanga dzevaridzi uye mapoka enharaunda evaridzi vanogona kukumbirawo mari kuburikidza neiyi Line kugadzirisa dzimba nedzimba kana kugadzirisa zvinhu zvavo zvakajairika.
Chimwe chezvinhu zvacho zvakakosha izvo zvinofanirwa kutariswa pakuhaya ndezvekuti rudzi urwu rwemari rwunoenderana nerubatsiro rwunotambirwa kubva kuAutonomous Communities (CCAA) kana mamwe masangano. Iko mutengi achazofanira tumira zvinyorwa iyo yega yeChikwereti Institution inoona yakakodzera kudzidza mashandiro.
Zvinyorwa zvaunofanira kupa
Kuti uwane iyi mhando yezvikwereti zvinokurumidza iyo zvinodiwa, zvakawandisa, zvakapamhamha kupfuura izvo zvinogona kuoneka pakutanga kuona, hazvina kukwana neDNI uye nesitatimendi yekupedzisira yemari. Zvichienderana nezvinodiwa zvechikwereti chega chega, chinhu chakanyanya kuitika ndechekuti panguva yekumisikidza chikwereti chehunhu uhwu, vanyoreri vanofanirwa kupa zvinyorwa zvinotevera: kopi yeNational Identity Gwaro kana Residence Kadhi inesimba mapato ese anopindira, photocopy yeiyo yakatarwa debit risiti muzita rako (magetsi, mvura, gasi, runhare, inishuwarenzi, nhare ...); Uchapupu hwekupinda kwemuridzi uye muridzi-muridzi, kana zvichibvira.
Pane zvinopesana, kana iwe uchinge uchishanda, kopi yekopi mbiri dzekupedzisira payrolls uye kana iwe uri wega-unoshanda, kopi yekopi yekupedzisira yako wega yemari yemutero pamwe neyakafanana yenzvimbo mbiri dzekupedzisira dzinenge dzichidikanwa. Mumamiriro ezvinhu apo vanyoreri vanenge varega basa kana vari pamudyandigere, iro gwaro rinotenderwa rinenge riri rekudzokororwa kwepenjeni. Muzviitiko zvese nekupedza kwayo chaiko.
Zvikwereti zvakanakisa zvinobva kuFreezl, kambani yemari yepamhepo haibvunze zvinodikanwa zvakaoma, zvakavimbika, vane ruzivo, isu tinogona zvakare kuwana mutengo, chingotaura Freezlpromo