Chii chinonzi Maitiro eEtsika?
Icho Chirevo Chetsika Dzakanaka
Mhedziso yehutano hwehutano inobva kumabhizimisi einishuwarenzi. Inishuwarenzi inzira yekuendesa njodzi kune mumwe munhu.
Semuenzaniso, kambani yeInishuwarensi ichabhadhara kana iwe uchikuvadza motokari yerenha (uye iwe une inshuwarisi yakakodzera munzvimbo). Mukutsinhanisa, iwe unobhadhara mutengo unoita sewakanaka, uye munhu wose anokunda.
Iko kufungidzira ndechokuti iwe kana iwe inshuwarisi yako yekambani inotarisira chero kukuvadza kuitika. Kambani yeInishuwarenzi inoshandisa nhamba kuti inofungidzire kuti ingangodaro sei motokari inogona kukuvara, uye inotengesa mabasa avo zvakakodzera. Asi pane dzimwe nguva apo iwe unogona kunge uine ruzivo rwakawanda pane yako inshuwarisi kambani.
Somuenzaniso, unogona kuziva kuti uri kutyaira mumakomo mumigwagwa yakaipa, yakamanikana. Saka iwe unowana inshuwalisi yakawanda kwazvo inoparidzika inogona kuitika, uye haunonetseki pamusoro pokuputika pamusoro pematombo kana kuputira pende mubhurosi rakakura parutivi pomugwagwa. Kutaura zvazviri, une motokari yakanaka kwazvo kumba, asi hapana nzira yaunenge uchityaira motokari yako mumugwagwa iwoyo.
Dambudziko rezvetsika rinotaura kuti une chikonzero chekutora matambudziko anowanikwa kune mumwe munhu: iwe unoenda kunzvimbo yaunoda, uye iwe haubvumi nemigumisiro.
Iyo yakawanda yakasvibiswa iwe uri kubva pangozi, iwe unowedzera kuedzwa iwe.
Dambudziko reMitemo uye Mari
Dambudziko rezvetsika rakava ruchikosha rwekucherechedza (mune dzimwe nguva mushure mekuitika) munguva yematambudziko emari muna 2008 . Kune nzira mbiri dzekufunga nezvehutano hwemitemo uye zvikwereti.
Vatengesi vaida chaizvo kubvuma zvikwereti vasati vatora mari.
Vamwe vanotengesa vashandi vakakurudzira "subprime" vakwereta kuti vanyepedze, kana vakashandura zvinyorwa kuitira kuti zviite sekuti vateresi vakakwanisa kutenga zvikwereti zvavasingagoni kuwana. Semuenzaniso, dzimwe nguva nhamba dzisina kukwana dzemari dzakashumwa , kana kuti hapana magwaro aidiwa kutsigira zvikwereti nezvekwanisa kubhadhara.
Sei vanokweretesa vachibvisa mari kana vasinganyatsozivi kana vachizobhadharwa - kunyanya kana vachifanira kureva nhema kuti vawane zvikwereti? Muzviitiko zvizhinji, vatengi vaibva chete (kana kutengesa) zvikwereti. Mushure mokunge chikwereti ichibvumirwa uye chabhadharwa mari, vateresi vaizotengesa zvikwereti kune vashandi - avo vakazorasikirwa nemari. Mune mamwe mazwi, mutero wacho akatora zvishoma kana kuti hapana pangozi (asi uyo anokweretesa aiva nekurudzira kuisa dambudziko kune mumwe munhu, nokuti vanotanga kubhadharwa kubhadhara chikwereti).
Zvakare, vatongi vemutemo uye vanhu vose vakavhunduka. Vakanga vachinetseka kuti kana mabhanga makuru akadonha (vamwe vavo vaiva zvikwereti zvemari, asi vamwe vaine mari inotyisa), vaizobvisa hupfumi hweUnited States - kusareva hupfumi hwepasi rose. Nemhaka yokuti mabhanga aya ainzi "akakura kwazvo kuti asakundikana," hurumende yeUnited States yakabatsira vamwe vavo kuti vave nemamiriro okunze ekudhura kwezvemari: kana mabhanga iwayo akatambura kurasikirwa kukuru, hurumende yakavimbisa kuchengetedza mari (mune dzimwe nguva kuburikidza neDFIC ).
Ichokwadi kuti hurumende yeUnited States inobhadharwa nevateresi, saka vabhadhara vakaguma vachidzinga mabhenji. Mune mamwe mazwi, vatengi nemabhengi ekutsvaga mabhizimusi vakatora njodzi dzaitakurwa nevateresi.
Dambudziko rezvetsika zvakare rakava nyaya kune vakwereta . Sezvo mamiriyoni edzimba dzekumba akatambudzika kubhadhara mari yekugadzirisa mari uye zvigadziriswa zvakasvibiswa, zvirongwa zvehurumende zvakapa ruyamuro. Vanhu vanogona kudzivisa kufanirwa kuvonga nekuda kwemari uye zvivimbiso kubva kuhurumende yeUnited States. Vamwe vainetseka kuti vakwereta vangave vane chikonzero chekuenda kure nemari yavo yekuchengetera mari: vakanga vari mumvura pamakwereti emusha , uye vamwe vangaedzwa kuti vawane rubatsiro rwehurumende rwavasingadi. Mune zvimwe zviitiko, chikwereti chavo chinogona kutambura , asi mune dzimwe nguva vakwereta vaizobuda vasina kugadzikana (mune dzimwe nzira zvishoma-kusangana nevateresi vanenge vaine dambudziko rezvemari uye kushungurudzika mupfungwa).