Yakawanda sei yaunogona kuwana semubhangi nyanzvi?

Chii chinonzi nyanzvi yekubhengi?

Chero ani anoshanda semabhangi nyanzvi anotora mabasa mazhinji mubhangi. Izvi zvinosanganisira, semuenzaniso, masevhisi ekubvunzurudza, basa revatengi uye kugadzirisa kwekutengeserana kwemari. Vanamazvikokota vekubhengi vane basa rekuita nekuzadzisa zvinangwa zvebhangi uye vanofanirwa kuve nehunyanzvi hwekuita uye hwese.

Ndeupi musiyano uripo pakati penyanzvi yebhangi nemunyori webhangi?

Musiyano mukuru pakati penyanzvi yekubhanga nemunyori webhangi ndiwo akasiyana ekudzidza. Nyanzvi yebhangi inofanirwa kuwana ruzivo rwehunyanzvi runodiwa munzvimbo yake yebasa pahwaro hwekuwedzera kudzidziswa mukutonga kwebhizinesi. Mukudzoka, munyori webhangi anofanira kupfuura zvese kuwana ruzivo rwekutanga munzvimbo dzebhizinesi sangano, accounting uye kiredhiti.

Ndiani anogona kudzidzisa nyanzvi yekubhengi?

MuGermany, bhangi rega rega rinogona kudzidzisa nyanzvi yebhangi. Nekudaro, bhangi rinofanirwa kuve nemvumo kubva kuFederal Financial Supervisory Authority (BaFin) kuita izvi. Izvi zvinovimbisa kuti maitiro ekudzidzira uye zviri mukati mekudzidziswa zvinosangana nezvinodiwa zveBaFin.

Muhoro wakakwira sei senyanzvi yekubhanga?

Muhoro semubhangi nyanzvi unoenderana nezvinhu zvakasiyana, senge ruzivo uye zera remubhangi nyanzvi. Paavhareji, nyanzvi yebhangi kuGermany inogona kutarisira muhoro wekutanga we2.500 - 3.000 euros gross pamwedzi. Neruzivo ruchiwedzera uye nekudzidziswa kwakawedzera, nyanzvi yekubhengi inogona kuwedzera muhoro wepamwedzi wega wega kusvika ku4.000 euros.

Ndeapi minda yebasa iripo kune nyanzvi dzebhangi?

Nyanzvi dzebhangi dzinogona kushanda munzvimbo dzebasa revatengi pamwe nenzvimbo dzezano rekudyara uye kukweretesa. Uye zvakare, nyanzvi dzemabhangi dzinogonawo kushanda munzvimbo dzekuongorora mari, inogamuchirwa manejimendi uye kuronga kwemari.

Ndezvipi zvakanakira kudzidziswa kuve nyanzvi yekubhengi?

Kudzidzira kuve nyanzvi yebhangi kunopa akawanda mabhenefiti. Kune rimwe divi, vatori vechikamu vanogashira ruzivo rwakadzama rwekutanga munzvimbo dzemari, kubhengi uye zano revatengi. Nekune rimwe divi, hunyanzvi hwekudyidzana kwakasiyana-siyana sekutaura, kuburitsa uye kuongorora kunodzidziswawo. Izvi zvinogona kuva mukana wakakura gare gare mubasa rako.

Ndeipi mimwe mikana yekudzidziswa iripo kune nyanzvi dzebhangi?

Nyanzvi dzekubhanga dzine mukana wekuenderera mberi nedzidzo uye kudzamisa ruzivo rwavanenge vawana. Dzimwe sarudzo dzekudzidzisa dzinosanganisira, pakati pezvimwe zvinhu, kudzidziswa kuve nyanzvi yekubhanga yakasimbiswa, nyanzvi yebhizinesi yakasimbiswa kana nyanzvi yezvemari yakasimbiswa. Kune zvakare mukana wekutora chikamu mumasemina akasiyana uye makosi kuti uwane chaiyo ruzivo.

mhedziso

Senyanzvi yebhangi unogona kuwana mari inogutsa muGermany. Nekuwana ruzivo rwehunyanzvi rwekubhengi nemari uye nekuwedzera kudzidziswa pamisoro yezvemari chaiyo, nyanzvi dzekubhanga dzinogona kuita kuti basa ravo rinyanye kushanda uye kuunza mari yepamusoro. Kudzidzira kuve nyanzvi yekubhanga kunopawo vatori vechikamu hunyanzvi hunodiwa kuti vabudirire mumabasa avo.