Chii Chimiremekedzo Tsamba Yechikwereti?
Tsamba yekuchengetedza chikwereti inorongwa apo bhangi rinobhadhara chikwereti kune "anobatsirika" kana chimwe chinhu chikakundikana kuitika.
Bhizinesi rinopa rugwaro runotsanangura mamiriro ezvinhu ayo tsamba ichabhadharwa.
Makumiro emakadhi echikwereti, sevhesi dzese dzekwereti , dzinobatsira kutengeserana kwenyika dzakawanda pamwe nekutengeserana kwenyika semishandiro ekuvaka.
Tsamba yechikwereti inopa chivimbiso kubva kubhangi, izvo zvinenge zvichida chechitatu chisingafariri. Kana bhizimisi wekambani ikakundikana kuita chimwe chinhu (sekubhadhara panguva, pedza basa penguva, kana kugutsa mamwe mazwi echibvumirano) bhangi-kwete mutengi akakundikana kuunza-anopa mubhadhari. Pakupedzisira, mari inobva kune mutengi inoshanda kune tsamba yechikwereti, asi bhangi inosungirwa kubhadhara mupiro.
Mienzaniso
Nheyo dzezvemari LOC: Anotengesa kunze anotengesa zvinhu kumutengesi wekunze, uyo anovimbisa kubhadhara mumazuva makumi matanhatu. Kana kubhadhara kusati kwasvika (uye mutengesi aida tsamba yekumirira yekwereti) muteri anokwanisa kubhadhara mutero kubva kubhangi yemutengi.
Bhizinesi rinoongorora chikwereti chemutengi asati abudisa tsamba yechikwereti, uye bhangi inotenda kuti mutengesi achadzorera kubhengi. Dzimwe nguva mabhanki anoda kubhadhara kuti agamuchirwe. Uyu muenzaniso we "mari " yakasimirirwa tsamba yechikwereti.
Kushivirira kwekuita LOC: Kontrakiti inobvumirana kupedza basa rekuvaka mune imwe nguva.
Apo zuva rekupedzisira rasvika, basa racho harina kukwana. Nekambomira yekuchengetedza chikwereti panzvimbo, muchengeti wekontrakta anogona kuda kubhadhara kubva kubhangi rekonkonti. Mari iyo inogona kushanda sechirango chokukurudzira pa-nguva yekupedzisa, mari yekuunza imwe kontrakta kutora pakati peprojekti, kana kubhadhara misoro yekutarisana nezvinetso. Uyu muenzaniso weku "kushanda " mutsara wechikwereti chekwereti.
Maitiro Ekuti Mashandiro Anoshanda Sei
- Jack naJill vanoita chibvumirano. Zvichida Jack ndiye mutengesi anoda kuti Jill amutumire zviuru gumi nemazana maviri pamakwereti akazaruka, kana Jack angave kontrakiti anovimbisa kuvaka bhiriji reJill muguta raAugust rakatevera.
- Jill haadi kutora mungozi yekuti Jack asingakwanisi kupa zvipikirwa zvake, saka anokumbira Jack kuti awane tsamba yechikwereti sechikamu chechibvumirano chavo.
- Jack anobvunza bhangi rake tsamba yekumira yechikwereti. Nemhaka yokuti ane chikwereti chakakwana uye mari yakawanda, bhangi rinonyora tsamba.
- Bhani raJack inotumira tsamba kuJill bank.
- Jill anoongorora tsamba yechikwereti kuti ave nechokwadi chekuti chinogamuchirwa, uye anosarudza kuenderera mberi nechibvumirano.
- Kana Jack asingakwanisi kuita zvaanosungirwa, Jill anotumira zvinyorwa kumabhandi aJack sezvinodiwa netsamba yechikwereti (kazhinji achishandisa bhangi rake kana mamwe mabhangi sevapamberi).
- Bhaka raJack rinopa Jill (zvakare, zvichida zvisina kuratidza), uye Jack achafanira kudzorera kubhengi rake.
Kuti uone kuratidzwa kwechiitiko chacho, tarisa muenzaniso wekuti mari uye magwaro zvinofamba sei .
Sei Chichimiririra Tsamba dzeKwereta Zvigadzirire kuchengeteka
Nokuisa bhanhire pachikwereti chekubhadhara, mubhadhari anogona kuva nechivimbo chekuti achabhadharwa. Kushandisa kwekutengeserana kwekutengesa semuenzaniso, kune zvikonzero zvakawanda izvo mutengi asingakwanisi kubhadhara:
- Muchengeti ane mari-inoyerera uye ari kumirira kubhadhara kubva kune vatengi vake.
- Mutengi anobuda kunze kwebhizimisi.
- Zvinhu zvemugadziri zvinotonhora nokuda kwekusagadzikana kwezvematongerwe enyika kana kusagadzikana.
- Mutengi haafari nemutengesi.
- Mutengi haana kutendeseka.
Bhengi iri mari yakaoma kupfuura vengi vatengi, uye bhangi hazvizvifungiri pachavo nekukakavadzana pakati pevatengi nevatengesi.
Tsamba yekuchengetedza yechikwereti inofanira kubhadharwa chero bedzi uyo anowana rubatsiro anoenderana nezvinodiwa nematare uye bhangi richiri mubhizinesi.
Kana mubhadharo ari kunetseka nezvekusimudzira kwemari kwebhangi rinobudisa, anogona kukumbira tsamba yakagadziriswa yechikwereti. Kana zvakadaro, bhangi iyo inobhadharwa nevatsigiri inotsigira kubhadhara kune imwe, bhanji risina kuvimbika.
Kusiyanisa Pakati Pekutevera Tsamba yeKwere uye Dzimwe Tsamba dzeKwereti
Tsamba yekuchengetedza yechikwereti yakafanana neshoko (kana "yekutengeserana") tsamba yechikwereti: Bhengi inopikira kubhadhara mubhadhari chero bedzi mupiro anopa zvinyorwa uye anogadzirisa zvinodikanwa netsamba yechikwereti. Saka, chinokonzerei mabhuku echikwereti akasiyana?
Dhipatimendi rekuchengetedza: Tsamba yekuchengetedza chikwereti ndeyekuchengeteka kwemambure. Kungofanana nekuchengetedzwa kwemaketani, chinangwa ndechokuti usashandise. Kana mumwe munhu achibhadharwa netsamba yemirasi yechikwereti, zvinoreva kuti chimwe chinhu chakakanganisika. Nebhizha rwekutengeserana rechikwereti, kune rumwe rutivi, munhu wese anobata tariro uye anotarisira kuti kubhadhara kuchaitika. Somuenzaniso, izvo zvinogona kureva kuti mutengesi anonyatsobudirira kutumira zvinyorwa kumutengesi.
Kuita basa: Kurindira tsamba dzekwereti zvakasiyanawo nokuti zvinogona kusanganisira chikamu chekushanda-kana kushanda kusina kunaka, kana uchida. Kana basa risina kuitwa, mubhadhari anokweretwa.
Mukati-nyika: Kurindira tsamba dzechikwereti zvinowanzoshandiswa kumitambo yepamba. Izvo zvinogona kusanganisira zvose kubva pakuvaka mapurisa kusvika pakuwana magetsi. Tsamba dzebhizimisi dzekwereti dzakakurumbira kumabhizimisi enyika.
Mukuwedzera kumisimiriro tsamba dzechikwereti, dzimwe mhando dzakawanda dze tsamba dzekwereti dziripo.
Nzira Yokuwana Nyore Tsamba Yechikwereti
Kana iwe uchida tsamba yekuchengetedza yechikwereti, bvunza bhanki rako kuti ribudise rimwe. Iwe unogona kunge uchida kushanda nemumwe munhu mubato rebhizimisi rekutengesa kana dhipatimendi rezvemabhizimisi munyika. Iva nechokwadi chekutora nguva yakawanda kuti unzwisise kuti nzira yacho inoshanda sei uye pasi pemamiriro api aunenge uine mhosva yekubhadhara. Ita gweta rekuongorora zvinyorwa newe.
Kana iwe uchida kuti mumwe munhu ashandise tsamba yakasungirirwa yechikwereti, uzvitsvake sechikamu chebvumirano chako uye usimbise kune tsamba isingashanduki yechikwereti . Iva nechokwadi chekushanda pamwe chete nebhangi rako uye varairi vako kuti unzwisise zvaunoda kuita kuti uwane kubhadhara. Tsamba dzekwereti dzinonyanya kuoma, uye kusangana nezvose zvinodiwa zvakaoma. Kana iwe usingakwanisi kuita zvose zvaunoda chaizvo, haungabhadharwi.