Zvinoenderana neazvino dhata kubva kuBhangi yeSpain, ine musiyano we7,38% mune semester yechipiri uchienzaniswa nenguva imwechete ye2019, makadhi echikwereti anoratidza kuwedzera kwakanyanya, zvichienzaniswa nemakadhi ekubhengi, ayo yakasimuka 5,35%. Maitiro anoenderera mberi mugore rino razvino, akabatana nekutengesa zvemagetsi, akasiyana midhiya ane kadhi sehwaro, chengetedzo uye kukwikwidza kuri kuwedzera, vanodaro nyanzvi vakabvunza.
Hapana anokahadzika kuti chishandiso ichi chekubhadhara chazova chombo chine simba kuburikidza nevanhu chavanogona kutenga muchitoro kana mukutengeserana kwepamhepo. Kubva pamaonero aya, zvinonakidza kwazvo kuziva kuti aya mapurasitiki anokurudzirwa kwazvo kuti uite kubhadhara kwemitero muzvitoro kana mukutengeserana kwepamhepo. Zvekuti vatengi vanogona kusarudza iyi sarudzo.
Kune makadhi mazhinji anogona kupihwa mukana werudzi urwu rwekushanda, kubva kune vamwe vanogadzira kune vamwe zvakajairika kana zvechinyakare. Iko chero epurasitiki inogona kuve inoshanda kune sangana nechikumbiro ichi saka zvinodikanwa mumidhiya yedhijitari izvozvi. Pasi peiyi nzira isu tichaenda kupa imwe yemakadhi echikwereti kana echikwereti ayo anogona kushandiswa zvakanyanya, kana zvingangobatsira, mune yemagetsi chikamu chekutengeserana.
Hunhu hwemapurasitiki aya
Mupiro mukuru weiyi sisitimu ndeyekuti inobvumira avo vanoibata kuti vashore kubhadharwa kwavo kutenga mumwedzi mitanhatu kana gumi nemiviri, kazhinji yenguva pasina kubhadharisa mubhadharo, kunyangwe mumwedzi ichangopfuura makadhi ane hukasha akaonekwa maererano nemabhenefiti avo anotendera kuve nevhiki nevhiki kana pamwedzi kutambira mari isingatarisirwe. Kunyangwe vakasununguka mukati megore rekutanga, zvinofanirwa kutarisirwa mupfungwa kuti kukwirira kwemitengo, kukwirisa zvidimbu zvichazopihwa kwenguva dzese dzakatarwa muchibvumirano chavo, izvo zvinogona kuwedzera mwero wechikwereti chevabati .
Nepo kune rumwe rutivi, fomula ine hunyanzvi iyo makadhi aya anoshandisa iri kuburikidza ne "mafomu akadzika" mafomu, ayo mari yemwedzi wega inobhadharwa inogona kutariswa zvisinei nekutenga kwakaitwa uye, uko kunowanzo gadziriswa kubva pamakumi matatu emadhora, iyo mushandisi achiziva nguva dzese mari inobhadharwa mwedzi wega wega.
Mune fafitera rate fomati
Musiyano pakukwira maererano nechipo icho mabhengi nemabhangi ekuchengetedza ave achishambadza mumakore achangopfuura aya makadhi ane "mwero wakadzika" wakabatanidzwa kuzadzisa mari yemwedzi nemwedzi yevanobata. Maitiro aya ndeeboka remakadhi anonzi "kumukira"Uye, ayo anozivikanwa nenzira yavo yekuverengera yekubhadhara. Navo unogona seta huwandu hwemwedzi kubhadharwa zvisinei nezvakatengwa. Iri kadhi rinosiyana nemakadhi echikwereti echinyakare munzira yekubhadhara nekuti inogadziriswa kuburikidza nemari yakatarwa, iyo huwandu hwayo hwakagadziriswa kubva pamakumi matatu emadhora pamwedzi zvichienderana nechikwereti chakapihwa.
Uye zvakare, mune mamwe acho iwe unogona kuwana zvachose uye nekukurumidza chikwereti. Izvi zvinoburitsa kuti varidzi vavo vave nechengetedzo irinani pamubhadharo wese, uye sezvavanoburitsa kiredhiti, ivo vari kuitirwa kuti vaenderere mberi nekutenga kwavo. Pane kudaro, inofungidzira sekusavhiringidza kukuru kukurudzira kune kushandisa mari uye, nekudaro, mikana mikuru yekupinda muchikwereti sezvo mushandisi achimanikidzwa kuishandisa mwedzi wega, kunyangwe ivo vasingade ino sevhisi yekushandira.
Makadhi akabhadharwa
Aya makadhi ane zvitupa zvawo zvinovasiyanisa kubva kune vamwe vese, zvese zvehunhu hwavo uye mabhenefiti avo kunevanovabata uye izvo zvakapfupikiswa mune zvinotevera zvinhu izvo nzira iyi yekubhadhara inopa:
- Inoshanda nenzira yekukwiridzira pamari yaunotambira, kuitira kuti kana mari yacho yashandiswa kumusoro, mipiro mitsva ichafanirwa kuitwa kukadhi kuitira kuti mari iwanikwe zvakare.
- Recharge yega yega inogona kutakura mutengo wepakati pe0,50% uye 1,00% pamari yakaiswa, kunyangwe mamwe mamodheru akasunungurwa pamubhadharo uyu.
- Iwo anoshandiswa kutarisana nekutenga muzvitoro kana online, uyezve kubvisa mari kubva kumaATM, kusvika pamuganhu unopihwa nekadhi rega rega (pakati pe500 ne1.500 XNUMX euros pazuva).
- Vanopa avo vanobata inishuwarenzi mahara, pasina muripo wekuwedzera: tsaona, rubatsiro rwekufamba, kudzivirira kubva mukubiridzira ...
- Ivo vanowanzo kuve vakasununguka mukati megore rekutanga uye pakuvandudzwa, kunyange hazvo zvimwe zvirevo zvingabhadharisa pakati pe3 ne20 euros yeaya mazano.
- Zvinowanzodiwa kuti ubatanidze kadhi neakaundi yechinhu kuti unakirwe nezvakanaka zvacho uye kutanga kuchishandisa.
- Inogona kushandiswa sechipo kune mumwe wako kana vana vadiki, kana kungoita sechipo chemuchato kana kukwazisa mudiwa pazuva rekuzvarwa.
Nemamwe mamodheru
Aya mabhenefiti muchimiro chekudzikisira pakutenga zvigadzirwa nemasevhisi anogona zvakare kutorwa mukana nehama dzemubati wemakadhi aya kuburikidza nemamwe makadhi. Ndeapi ese makadhi aunogona kukumbira kune avo vanhu vaunoda kuti vave vane kadhi. Aya makadhi ekuwedzera achagovana muganho wemwedzi wega wega uye kutenga kwavanoita kunozoonekwa pamwe chete nekwako pane chirevo chako chemwedzi.
Asi iyo inofanirwa kutariswa kuti ichareva imwe yekuwedzera mubhadharo wekuwana uye kugadzirisa, izvo zvinosiyana pakati pemakumi maviri nemakumi mashanu euros rinenge gore, kunyangwe mune zvimwe zvakapihwa izvi zvinodhura hazvibhadharwe kubhadhara uye zvinomiririra mukana mudiki kune avo vanozowana. Izvi zvinoitirwa kuti vakaroorana, vana kana vabereki vagone kubatsirwa kubva pane izvi zvidzikiso pakutenga kwavo uye kuti mamwe emari anoshanda kune avo kadhi rechikwereti. Iyo inogona kuve imwe inonakidza modhi yekuchengetedza mari pakati pemhuri kuburikidza neiyo imwechete kadhi.
Zvizhinji zvekupihwa kweiyi nzira yekubhadhara zvinouya kubva kunzvimbo yekushanya (mafambiro, mahotera, zvekufambisa, maresitorendi, nezvimwewo), asi pasina kukanganwa dzimwe sarudzo dzinogona kubatsira vashandisi vadzo uye, kubva pakuzadzikiswa peturu kusvika mukutenga mukati zvitoro, pasina kushaya mukana wekuwana forfaits vakadzikiswa panguva yechando mwaka kana kuenda kumakwikwi makuru eFormula 1 nemutengo uri nani, vachitowana mahara epamutemo mapakeji evanobata sechibvumirano chekubvuma yavo yemhando yemakadhi.
Mari dzakasarudzwa
Mamwe masangano emari, kune rumwe rutivi, anosarudza kupa vatengi vavo kirasi yemakadhi anopa mari yakawandisa yakawanda zvichienderana nekusimudza hushoma huwandu sezvo mazwi achireba. Kubatsira kwayo kukuru ndekwekuti kureba kwenguva kwakareba, kubva pamazuva makumi mapfumbamwe kusvika mazana masere, asi mukutsinhana nekuita mutengi kuti ave nemari yakatarwa panguva iyo mari inogara.
Nenzira iyi, kwemazuva makumi matatu, makumi matanhatu kana makumi mapfumbamwe, huwandu hushoma hunofanirwa kunge huri makumi mairi euros, kuti uwedzere zvishoma nezvishoma kusvikira wasvika padanho repamusoro rekudiwa, iro mugore rimwe chete rinogona kunge riri remari dzakakura kudarika maeuro mazana matatu nemazana manomwe emazuva simuka kusvika madhora mazana masere. Kune ese makesi anofungidzirwa mukumisikidzwa uku, vanyoreri havafanirwe kubhadhara mubereko, zvakangofanana nemamwe marudzi emakadhi ane maitiro akafanana nezvakanakira.
Kuvimbika makadhi
Kuburikidza navo unogona kuwana zvaunotenga nekuderedzwa mumitengo yavo iri pakati pe3% ne5%, uye mune mamwe makadhi modhi kunyange kunze kwavo, kunyangwe akapfava mabhonasi, isingadarike 1%, mukati medanho rekushambadzira umo kuponesa uku kunopihwa premium mukutsinhana kuti mutengi awedzere kubatanidzwa kune rako bhizinesi kana kuisirwa.
Ivo vanopa mari yekutenga, kunyangwe iine zvido zvakakwirira kwazvo, izvo zvinomisikidzwa pakati pe18% kusvika 25% uye, nepfupi nguva yekudzikisira, pakati pemwedzi mitanhatu nemakore matatu zvakanyanya uye, kune chii chingave chinowedzera kufarira kubhadhara kunonoka kunogona inosvika pakatenderedza 6% kana 3%. Kune rimwe divi, ivo vanoonekwa pamusoro pezvese nekuti havana kufanana maererano nekota yavo mukati megore rekutanga uye nekuvandudzwa kwayo kunotevera, nekuti mune zvimwe zviitiko vakasununguka zvachose nepo mune zvimwe zviitiko kota inosiyana kubva pagumi kusvika iwo makumi mana euros.
Nepo pakupedzisira, ivo vari mamodheru ayo anosiyaniswa kubva kune mamwe mafomati nekuti kwavo kuhaya kuri mahara mukati megore rekutanga, uye kuti mune zvimwe zvirevo zvinotosvika pakureba kwavo kwese. Zvakare sekunge ivo vakaisa sevhisi yezviziviso neSMS yezvese zvikwereti zvinoitwa nemakadhi avo emari yakawanda. Seimwe yeakatanhamara ayo makuru. Navo unogona seta huwandu hwemwedzi kubhadharwa zvisinei nezvakatengwa. Iri kadhi rinosiyana nemakadhi echikwereti echinyakare munzira yekubhadhara nekuti inogadziriswa kuburikidza nemari yakatarwa, iyo huwandu hwayo hwakagadziriswa kubva pamakumi matatu emadhora pamwedzi zvichienderana nechikwereti chakapihwa.