Nzira Yokuverenga Mutero-Wakaenzana Nayo Kubhadhara Mutero-Kubudiswa Kwemari

Kunzwisisa Murairo Wako Wechokwadi Wekudzoka Pamutero-Kununurwa Zvitete

Apo varairidzi vari kutsvaga mari yakachengeteka inowedzera mari, vazhinji vanofunga nezvekuchengetedzwa kwekuchengetedza mari sezvisungo . Asi kune mhando dzakawanda dzezvisungo, kubva kuhutano hwehutano kune hurumende zvisungo seHurumende yezvisungo, uye kunyange hurumende dzisungo. Aya marudzi emari yakasiyana akasiyana nematokari akawanda sezvaanogona kushandiswa kuunza nguva dzose, yakagadzirirwa mari kunze kwekuwedzera kwekukosha nekuda kwekuwana mari .

Kunyange zvazvo kune huwandu hwakasiyana pakati pezvisungo zvakasiyana siyana uye zvechokwadi kusiyana pakati pezvisungo zvakasiyana nevana vakasiyana-siyana vanobudisa zvikwereti nemari, zvichida pane zvinyanyokosha zvakasiyana muhutano hwevamwe vatengesi ndivo mutero wavo wekuteresa.

Kune rimwe boka rezvisungo zvinonyanya kukosha pakuti dzinowanzoregererwa kubva ku federal uye kazhinji kunyange mutero wehurumende. Izvo zvibvumirano zvinowanikwa mumasimende.

Mitero Yemitero yeMisimboti yeMasisita

Kusiyana nedzimwe mhando dzezvisungo, kufarira pamasisita emasimende, uye mamwe masisheni ehurumende yemari, haabvumirwi nehurumende yemari yemari. Kuwedzerwa, kana iwe ugere muhurumende kana masuwa kubva pakabhadhara chikwereti, inogona kunge isina kubhadhara mutero wemutero wenyika pamwe chete.

Nemhaka yezvikwereti zvemitero, avo vari mubhakoni dzepamusoro vanogona kutsvaga marudzi aya ezvisungo kuitira kuti vasabhadhara mitero kune chido chinowanikwa. Kunyange zvazvo vaya vari mubhaketi dzakakwirira vachaona kubatsirwa kukuru, ani naani anotarisa mari yakaiswa mari inogona kubatsirwa.

Chinokosha ndechokuti uone kuti ungaenzanisa sei kufara kwemari pakati pekutengesa mari kusingabhadharwi kufanana nemasungwa ehurumende uye mari yakawanda inotengeswa inotengeswa.

Nzira Yokuverenga Nayo Mitero-Yakaenzana Inobereka

Kazhinji, kuenzanisa zvibvumirano zviviri zviri nyore. Zvose zvese zvakaenzana, hukama nehuwandu hwechikwata huchapa mari yakawanda munguva.

Asi iwe haugone kuenzanisa nhanho yemari kana uchitarisa pamitero-kubhadhara zvibvumirano zvakasiyana nematarenda anowanzobatwa asingabhadharwi. Ndizvo zvaunofanirwa kuverenga nyaya yemitero kana, sezvinoitika mumasungwa emasungwa, kusakosha kwayo. Kana iwe uine bhizimisi inotengesa iyo inopa 3% inofarira, yako chaiyo yebhadharo inenge iri pasi peiyo 3% sezvo iwe uchibhadhara mitero kune inofarira. Saka kuitira kuti uenzanise kutengesa kwekubhadhara mutengo wekudzokera kumusana wekutsvaga mari, unofanirwa kushandisa shanduro inotevera:

Mutero-yakaenzana chibereko = chiyero chekudarika ÷ (1 - yako inotora mutengo)

Mumuenzaniso uyu, ngatiti iwe uri mu 25% yebhasikiti yemutero uye uri kutarisa kumusangano wemaspala ane chikwata, kana kuti chikwata chekuda, che2,5%. Kana iwe uchida kuziva chiyero chaidzo chekudzoka pane chisina kukanganisa komasungwa bhudziro, ichocho chiyero chinenge chakaenzana nechisungo chinotengesa, iwe unogona kuita zvinotevera kuverenga:

Mutero-zvakaenzana nezvibereko = 0.025 ÷ (1 - 0.25) , kana 0.025 ÷ 0.75 = 3.33%

Izvi zvinoreva kuti iwe unoda kuwana mari yekubhadhara inotengesa, CD, kana bhizimisi kubhadhara zvinokwana 3.33% kuitira kuti uwane hutano hunobudirira hwekudzoka se 2.5% yemasisti ehurumende. Mumuenzaniso uyu, isu chete tinongororere kuchengetwa kwemasangano emitero. Kana hurumende yakasununguka yakanga isingabhadharwi nemitero yehurumende, mari chaiyo yekudzoka ingave yakareba zvakanyanya.

Enzanisa Nharaunda Mahara Zvakarurama

Paunotarisa pamari yekubudisa mari inotora mari, zvinokosha kuti uone kuti uri kuenzanisa maapuro nemaapuro. Kunyange zvazvo zvikwereti zvakawanda zvekubhadhara mitero zvingaita seine chidimbu chechikwereti chakasara pakutanga, iwe hauzokwanisi kuongorora yako chaiyo yehutano yekudzoka kusvikira iwe uchiverenga mutero wakaenzana nemutero .