Kudyidzana kunobva pamusimboti wekuzvitonga kuti uwedzere budiriro nekupfumisa matunhu akasiyana enyika. Inobvumira vatengi ava kuti kuva chikamu chevatungamiri vekambani, nekuvapa mukana wekuve nhengo mushure mekunge vangove vatengi.
Chii chinonzi nhengo? Ungave sei nhengo? Chii zvakanakira kuva nhengo ? Ichi chinyorwa chinokupa tsananguro uye ruzivo rwakakosha kugadzirisa pfungwa dzako maererano nemusoro wenyaya iyi.
Chii chinonzi nhengo?
Kuve nhengo kuve wakabatana nebhangi kana mutual inishuwarenzi kambani uchive nemugove mukambani iyi. Mune mamwe mazwi, nhengo ine basa rehuviri: co-muridzi uye mushandisi.
Basa rake semuridzi biyake rinomuita kuti ave muridzi wemugove mubhangi romunzvimbomo. Naizvozvo zvinotenderwa kuti aite kutora chikamu mumavhoti akarongwa nekambani kune chero sarudzo, pamwe chete nezviitiko zvose zvakarongwa nekambani. Anogona kuva nhengo yekambani (health mutuals, mutual banks, nezvimwewo) mushure mokunge aita mubhadharo wekondirakiti yehutano.
Kungofanana nemunhu wenyama, zvinokwanisika kuti munhu ari pamutemo ave nhengo. Iwo ekupedzisira anogashira mubairo wepagore uye mabhenefiti kubva kune akati wandei mabhenefiti emitengo pamasevhisi anopihwa nekambani.
Imwe nhengo inobatanidzwa mukusimudzirwa kwebhangi remunharaunda uye inogona kuva mutungamiri, izvo zvisingakwanisi kune mutengi ari nyore. Naizvozvo tinogona kutaura kuti nhengo ndiyo hwaro hwemubatanidzwa uye mutualist masisitimu eCredit Agricole. Uripo mabhanga akati wandei uye mutual makambani einishuwarenzi anopa mukana uyu, tinogona kutaura mienzaniso mishoma:
- nhengo yeBanque Caisse d'Épargne;
- nhengo yeBanque Crédit Agricole;
- nhengo yePeople's Bank;
- nhengo yeMAI mutual insurance company;
- nhengo yeGMF mutual.
Ungave sei nhengo?
Kuti uende kubva kune mutengi kuenda kune nhengo, uri kusungirwa kutenga migove mukambani, vachishandisa homwe yemunharaunda kana yedunhu. Iyo mutual company ine basa rekutsanangura kukosha kwekunyoreswa kwemari yezvikamu; saka inoshanduka uye inosiyana kubva kune imwe kambani kuenda kune imwe.
Migove ine nguva yakanyatsotsanangurwa yekuvharirwa uye havana kunyorwa. Kana munhu angove nhengo uye zvisinei nehuwandu hwemasheya anoitwa, munhu wese ane kodzero dzese dzekutora chikamu mumisangano yebhanga renzvimbo uye kuvhotera sarudzo dzichatorwa.
Hazvina kukwana kungove nhengo yekambani, asi zvakakosha kuti kupinda misangano mikuru uye napamusoro pavatungamiri. Kupa maonero ako panguva yemavhoti kwakakosha zvakare.
Pamusoro pezvo, iwe unofanirwa kutora chikamu muhupenyu hwegutsaruzhinji hwemubatanidzwa nekuzviratidza uye nekudyidzana nevanhu panguva yemakanzuru nemakomiti ematunhu.
Zvakanakira kuva nhengo
Zviripachena kuti zvisungo zvakawanda zvinoita kuti uwane mamwe mabhenefiti. Kuenda kubva kune mutengi wemutual bank kuenda kune mutengi wekambani kune zvakawanda zvakanaka. Ziva zvakanakira kuve nhengo:
- Kadhi rebhangi rekambani: kubata kadhi rebhangi rekambani rinokutendera kuti utore chikamu mukusimudzira dunhu rako, nekuti mari inotarisirwa kutsigira zvirongwa zvemuno inopihwa mubhadharo wega wega. Mukuwedzera, iwe unogona kugovera iyo Tooket kubhadharwa kwauri;
- kabhuku kenhengo: vatengi venhengo vanobatsirwa kubva pakabhuku kenhengo;
- mukana wekuvimbika: kambani inopa zvidzikiso uye zvakakosha zvinopihwa kune nhengo vatengi uye hama dzavo;
- kunze kwemabhengi mabhenefiti, nhengo ine rombo rekuderedzwa pakuwana mamuseum uye kuratidzwa;
- kutora chikamu muzviitiko nemisangano yakarongwa nebhangi uye / kana vadyidzani vayo uye nekudaro kusangana nevanhu vatsva uye kuumba hukama nenyanzvi dzemuno.
Naizvozvo tinogona kugumisa kuti kuenda kubva kune mutengi wemutual kuenda kunhengo inogona chete kukubatsira iwe. Kuzvipira uku hakungobvumiri iwe chete kuita shamwari itsva, kutora chikamu mukusimudzira dunhu rako, kuwedzera pakuwana mari.
Zvisinei, kutengesazve migove yako hazvizove nyore. Vanachipangamazano vanofanira kuziviswa pachine mwedzi mumwe pamberi.
