Chikonzero Nei Kupinza Mutero Mumari Kuri Chinokosha Kukurega Basa muIndia

Kuronga kutora mudyandigere muIndia kazhinji kazhinji kunotora nzvimbo yenhando dzemari yokukurumidza sekutenga musha, kutsigira mari dzidzo yavana, kana kuti kungotarisira ndyiko dzemwedzi nomwedzi. Bva, chokwadi chacho chakajeka: nokukwira kwenduramo dzoupenyu, kukwira kwemitengo yezvokurapa, uye kuderera kwegadziriro dzemhuri dzinobatanidzwa dzokutsigira, kuvaka bhangi rakasimba remari rokurega basa hakusati kuchatongova kusingasarudziki. Denho ndeyokuti kuisa mari parutivi nokuda kwenharidzano yavana, mari inotengwa namakore 20 kana kuti 30 kubva kumari inopa mari inotengwa namakore 20 kana kuti 30 kubva pakunenge kuchidikanwa nhasi. Uku ndiko uko zviri zviri zviri zviri zviri izvo zviri nyore kuti zvishandire mitero yemari inopfumba yokubhadhara mari yakawanda inopfuura makore anokwana 30 000. Kupfumbamba yokuwana mari inowanwa bedzi nemari yaunowana mari yakawanda zvikuru.

Chinokosha ndechokunzwisisa kuti hazvisi zvokuchengetedza mutero zvose zvakaenzana kana zvichisvika pamudyandigere. Zvimwe zvinovimbisa kudzorwa asi kukura kwakaderera, nepo zvimwe zvichigovera kukura kunoenderana nomusika nebviro yakakwirira. Mubatanidzwa unofunga, wakabatana nechido chako chokuda nguva, unogona kuchinja mutero wako kuva injini yokurega basa. Muiyi nhungamiro ine udzame, tinoputsa chisarudzo chikuru chiri chose chokuchengeta mutero pasi pomutemo weIndia, tsanangura kuti mumwe nomumwe unoita sei kuti chitsamiro chokurega basa chivako, uye magadzirirwo anoshanda kuti uwedzere zvose zviri zviviri mitero nepfuma yenguva refu.

Kunzwisisa Zvinhu Zvinoponesa Mutero muIndia

Chibvumirano cheIndiya’s Inhoonding Tax Act chinopa zvitsaruso pasi pezvikamu zvinoverengeka, zvikurukuru Chikamu 80C, chinobvumira kutsaurirwa kwesesero yema 761.5 lakh pagore remari pakutengwa kwemari yakatarwa. Kupfuura 80C, zvimwe zvinobviswa pasi peChikamu 80CCD(1B), 80D (inishuwarensi), uye 80G inogona kuderedza mari inobhadharwa mutero. Kurega basa chaiko, zvishandiso zvinobatanidza 80 C nezvinochengetedzwa kwenguva refu zvinonyanyokodzera. Pasi apa tinonzvera chisarudzo chikuru chimwe nechimwe.

Mari Yokugovera Rudzi (PPF)

PPF igadziriro yemari yakadzorwa nehurumende inochengetedzwa nenhambo yemakore 15 okukura. Inopa mwero wechibereko wakatsiga (zvino uno pa 7.1% painenge chiverengero chamasendi anenge mashanu, yakahwirudzurwa) yakasununguka pamutero pazvose zviri zviviri uye madanho okurega. Zvibvumirano zvinokwirira kusvika ku 761.5 lakh pagore zvinokwaniriswa nokuda kwenharidzano dzechikamu 80C. Mubereko unowanwa unobviswa pamutero pasi peChikamu 10. Mutengo unochengetedzwa, PPF unogovera chishandiso chakakotsekanwa. Zvisinei, gore rechi15 regijiro renyika inobvumirwa kubva mugore rechi7) inoreva kuti yakakodzera nokuda kwezvinangwa zvokurega basa izvo zviri panenge makore 1015 kubva pasi pechikamu chamakore. Chikomborero chikuru chinodzorwa uye chinodzokororwa nokuda kwechikweretezo chakakodzera.

Chimwe chinhu chinowanzofuratirwa ndechokuti PPF inogona kuwedzerwa muzvitinha zvamakore mashanu pashure poukuru, kuchibvumira kukura kwemitero kunopfuuridzirwa. Nokuda kwokurega basa, unogona kutanga kaundi yePPF pakuvamba, unogona kuisa yakakwirira gore rimwe nerimwe, uye kuibvumira kuva yakabatanidza kwamakore 15. Pakukura, unogona kuibvisa kana kuti kutambanudza ichiri kupfuurira kuwedzera zvitsama zviduku. Ikoku kunoita PPF kuva chinhu chakaderera chakaisvonaka chakabatirwa nokuda kwokurega basa.

Mari Yevashandi Vacho (EPF)

Nokuda kwavashandi vanobhadharwa, EPF zvichida chishandiso chinobhadharwa zvikurusa chemari yokurega basa. Vose vari vaviri mushandi nomushandirwi vanopa 12% wemari inotambirwa nemudiwa kuEPF (mupiro womushandirwi unokamuraniswa pakati peEPF neGoocee Pension Scheme). Mupiro womushandi unokwaniriswa nokuda kwemari iri pasi peChikamu 80C. Mwero weEPF ino unova ne $1 yemari inobhadharwa neyamudiwa inenge 8.15 painenge chiverengero, uye mutero wose wemubato, kubatanidza mutero wakasununguka kana ukadzikwa pashure pemakore 5 ebasa rinopfuurira. Mipiro yemari inobvumirwa, asi unogona kugovera nokuzvidira mari yakawanda pasi pemari inogoverwa (VFF) nokuda kwemari inobhadharwa zvikuru. VPFF inowanawo mari yemari inogoverwa yemari inobhadharwa neya 80 000 yemari inogoverwa. Nokuda kwemipiro yemari inopfumbadzo inopfumbadzo dzinopfudzwa kupfudzwa kumusha inopfudzwa zvikuru.

Nyika Yose Yakafa (NPS)

NPS igadziriro yemari yokugara panzvimbo yapamberi yemari inoitwa na 60%, nguva refu yokuchengeta mari inodzorwa nePension Fund Reguator and Development Authority (PFRDA). Inowanika kuvagari vose vemo veIndia (kubatanidza NRIS) uye inogovera miparera miviri: Tier I (ipon revashandi vehurumende, pasina zvamatengwa navamwe) uye Tier II (mari inochengeteswa pasina kuvira, asi mari inobhadharwa isina kubhadharwa, asi inosara yasara yasara yasara yasara 80%, inopfuurirwa nechetete-zera ra 80 000 kusvikira kuzera rama 60, kunyange zvazvo kubviswa zvishoma mumitengo yapasi pevhu inobvumirwa napamusoro pezvitsaro zvakako. N10, mari inosara kuti ishandiswe nemari yakawanda zvikuru nokuda kwemitemutengwa yapasi pevhuro yemari inopfumitengwa yapasi pevhuvhuro.

Kuchengetedza Kwakabatana Nemazano Okuchengetedza (ELS)

ESS inowirirana nemari inopa mari yomutero pasi peChikamu 80C nenhambo yeripfupisa rekiyi pakati pezvisarudzo zvose – makore matatu. Pashure pechiroko-mutengi, mayuniti anogona kudzikinurwa panguva ipi neipi. Sezvo ESS achiisa zvikurukuru mumitengo, inopa ngozi huru asi inopawo bviro yokuwedzera kwemitengo. Kukura kwechitsarudzo yapamari yakakwirira. Kupfuura nguva refu (10+ makore 80) inopfuvura makore 30 muchato, echinyakare yapa, iyo inogona kupfuudza zvikuru kukura kwegore negore. Nokuda kwe 30-gore refu readatorororor, projects res res res res as as perly, kana kuti idzoresaidzoro hurusa.

Urongwa Hweinishuwarenzi Youpenyu

Mitengo yeinishuwarenzi youpenyu nokuda kwegadziriro dzegamuchidzanwa (kudzorerwa, mari-pfuvura, ULIPS) inokwaniriswa nokuda kwechitsama chemari pasi peChikamu 80C, nemamiriro ezvinhu okuti chitsama chemari chinopindwa nekanenge ka 10 kacho chitsaurwa gore negore. Nepo inishuwarenzi inogovera betsero yerufu kudzivirira mhuri yako, chikamu chemari inochengetedzwa kazhinji kazhinji kazhinji kazhinji chinopindwa pasi pezvisaro zvakakwana nemhaka yemari inotengwa yakakwirira nedzorero dzakaderera. Rongedzero dzegamuchidzanwa dzinopa kudzokerwa muruvara rwa 4/6%, idzo dzinongowedzera kukwira nokukwira kwemitengidzira mari, mari inopfuvura inopfuvura bedzi kana kuti iri pasi pe 10% yechipo inovimbiswa pashure pa 1 April 2012). Nokuda kwokurega basa rokushanda kwemari, kunyange zvakadaro, mari inotogona kutogoverwa kukuva kukura zvikuru.

Nzira Iyo Izvi Zvishandiso Zvinovaka Nayo Kuchengetedza Kurega Basa – Kupfuura Vatengi Vemitero

Mari yemitero ndiyo inokurumidza kubhadharwa, asi mashiripiti echokwadi okurega basa anotsamira pakuunganidza, kuisa mari yakarongwa, uye kuisa zvinhu panzvimbo yazvo.

Chikamu: Muvaki Akanyarara

Rangarira mutengi wemari anotanga pazera ramakore 25, anoisa mari yose inodzorwa ne31.5 lakh pagore mukuvhengana kwePPF (7% dzoka) neESS (12% dzoka) pamwe chete na 40:60 govera, uye anoisawo 7650 000 NPS (10% inodzokera yakatemwa). Anopfuura makore 35, achitora kudzorwa kusingachinjika (yokuenzanisira), hwerengedzo yea 76 lakh (62kh lakh pagore) inogona kukura kusvika kuinopfuura 03.5 crore – nemhaka yokubatanidza. Kuvamba kwapamberi , tapuro huru zvikuru. Gore riri rose rokunonoka inoda mipiro mikuru zvikuru kuti isvike nharidzano imwe cheteyo.

Kugara Panzvimbo Dzakasiyana - siyana uye Kutarisira Ngozi

Chikanganiso chinozivikanwa zvikuru kuisa mari yose inochengetwa pamudyandigere muchishandiso chimwe. PPF neEPF zvinogovera kuterama asi kwakaganhurirwa – vangasachengeta nhanho nokukwira kwemitengo kwenhambo refu. ESSS neNPS (chikamu chakaenzana) zvinopa kukura asi ne-pane extrameter. Nzira yakanakisisa ndeyokuita kuti pawirichenje yemijenya nejecha. Munhu 20+ makore kubva pamudyandigere, goverano unodenha 70 ne80% mumitengo (via NPS equity neSS) uye 20-30 muchikwereti (PF, EPFF) zvinodzora nguva yako refu. Sezvokurega basa pedyo namakore 10 kubva), kunzvimbo inochengetedza chikwereti zvishoma nezvishoma kuti idzivirire maza. NPS inopa chitsamiro chitsamiro chitsamapfuro chinoitwa chinoitwa chiteshi chakaisvonaka nokuda kwezera rakaisvonaka nokuda kwezera rako.

Mipiro Yevashandirwi: Mari Yakasununguka Nokuda Kwokurega Basa

Kana mushandirwi wako akagovera NPS, mupiro upi noupi unosvika 10% wemubhadharo (10% wehurumende) haubhadharwi pasi peChikamu 80CCD(2) pasina kutapura muganhu wako we 80C. Iyi imari yokuwedzera yokurega basa inoderedza mari yako inobhadharwa. Nenzira yakafanana, mupiro womushandirwi weEPF (12% wemitero mikuru) hausati uchikwanisa kubhadharwa zvakananga nomushandirwi (imari inobhadharwa nokuda kwomushandirwi), asi mushandirwi achiri anobetserwa nemipiro yemipiro yepeundindindi inobhadharwa yepepusiro yemari.

Miitiro Yokuwedzera Kuchengetedzwa Kwemitero Nekurega Basa

Zvino zvawanzwisisa maturusi acho, danho rinotevera kuurayiwa.Herino nzira dzinoshanda dzokushandisa zvikuru pakubvisa mitero uye kukura kwenguva refu.

Chikamu 80C Nemusanganiswa Wakarurama

Chikamu 80C chinopa 761.5 lakh. Usangozadza muganhu nechisarudzo chipi nechipi - chinorongwa. Mupimo wakadzikama ungava: 761.5 lakh in PPF (pakati) + ESS (mugove) + EPF (yakakura) yakabatanidzwa muganhuriro. Somuenzaniso, kana mupiro wako weEPF uri 760,000 pagore, une 760,000 yasiyiwa. Kuparadzanisa kuti pakati pePFF (760,000) uye ESS (2000,000) uye ESS (2000,000). Kana kuti kana uchida kukura kwakawanda, isa 939 000 muES kupfurikidza nezvitsarudzo zvako zvapa . Unorangarira nguva dzokuvhara: PPP neEPFFFFF, unobatanidza mari yapamhindi inopfuvura nguva refu, kana usingadi kushaiwa dzimwe nguva dzose nokuda kwedzimwe nharidzano dzemari dzinodiwa.

2. Levrage Kudya KwenePS Kwomuraudzo kwema645 000

Chikamu 80CCD (1B) chinogovera kutsaudzirwa kwokuwedzera kweNPS 500,000 nokuda kwemitero I. Asi mutero umene unokura mutero unobviswa kusvikira pamudyandigere 80C. Iri ibanza guru nokuda kwomubhadharo upi noupi, zvikurukuru avo vari muzvikwara zvakakwirira. Nokuda kwomunhu mu 30% pabhiriti remitero, kuisa mari inochengetwa 7650 000 muNPS mumitero. Asi mutero umene unokura mutero kusvikira pamudyandigere. Kana ukapa 7650 000 pagore kubva pazera ramakore 30 kusvikira ku 60, uchiwana kukura kwegore negore, unounganidza inenge 76999. Pashure pemari inotengwa, unowana mutengo wemari yomwedzi neyamutero wapachena. Kukwira kwegore kana uchitopera muganhu we 805. Naizvozvo, 80% yegore negore neraPFFFF.

3. Mipiro Yevashandirwi: wedzera 80CCD( 2)

Kana mushandirwi wako akabvumira NPS mipiro, vakurudzire kupa mupiro unobvumirwa (10% yomubhadharo wapachivande, 14% nokuda kwehurumende). Ikoku kunoderedza mari yako inobhadharwa uye kuvaka corpus. Somuenzaniso, kana mubhadharo wako uri 7612 lakh pach, mupiro wemutero we 761.2 lakh kuNPS wakakwana chose chose mumaoko ako pasi peChikamu cha 80CCD (2). Ivai ne 80CC na 80(1B)CCC, uye munogona kuva mutengi wemari yemitero inopfuura 763.2 gore rimwe nerimwe apo muchivaki wemari yokurega mudyandirwo wakawanda. Netia newaucro wako unobatanidza rutivi rwako kana usati watopiwa.

4. Shandisa maELS kuti Akurire Nepfupi - in

ESS inopa betsero yemvura pashure pamakore matatu, asi nokuda kwokurega basa, haufaniri kuirangarira sechinhu chenguva pfupi. Panzvimbo pezvo, shandisa ELSS semotokari kuunganidza nguva refu yokuwana. Unogona kutanga ELSSSIP uye pashure pamakore matatu, une chiteshi chezvikamu zvinonyunguruka. Unogona kubvisa kana kuti kudzosa mari yemari inonyunguruka. Unogona kubvisa mari inobatira mutengo nokuidzoserazve mumari yenguva dzose (hausati uri mutero zvakare) kana kuti kungopfuurira kutorazve. Chinokosha ndecho kusabvisa mari nokuda kweisiri inorerutsiridza. Nhesvedzo, funga mayuniti anopfuura 1 gore kuti ukwane semari inopfuuresa mari huru (CCCC). KKGN kubva pamusoro pegore rimwe chete)

5 Kubatanidza Chipo Chokuzvidira Chokupa (VPF) Nokuda Kwezvimwe Zvikwereti Kunobviswa

Kana uri mutezo weEPF uye uchida kuva nechikwereti chikuru pamwero mumwe chetewo wemubereko, shandisa VPF. Unogona kupa chikamu chipi nechipi chemari yako huru (inozviisa pasi pomutengi wako) kuVPF, uye inowana mwero mumwe chetewo weEPF. Mupiro unokwanirisa pasi peChikamu 80C. Icho chinobetsera zvikuru kuvatengi vemari vanotova vagara nebasa vakatoisa musero wePF uye vanoda kuwedzera mitero yapachena. Zvisinei, rangarira kuti EPF+VPFF yakabatanidzwa pamwero yeringi kusvikira pamudyandipo (kunze nokuda kwokurega zvimwe), naizvozvo iva nechokwadi chokuti une zvimwe zvinhu zvinogadzirwa nemishonga zvemigariro yakakomba.

6. Vapara Mitero Vachirangarira Mitero Mitsva

Kubvira pakutanga kwehurumende itsva yomutero (mwero yakaderera asi isina zvitsama), vabhadhari vazhinji vanotarisana nechisarudzo. Kana ukasarudza hurumende itsva, kuchengetesa mutero pasi pa 80C, 80CCD(1B), zvichingodaro, usapa betsero ipi neipi. Kuwanisa mari yakawanda muhurumende yakare, mari inokosha zvikuru. Kana mari yakaderera ichiripo ichiri nani zvikuru. NPS I inosara nemari yakaderera zvikuru kumushandi (pansi na89595, mari inobhadharwa mutero), hurumende itsva ingava iri nani. Huruva inokupa mutero wakaderera uchibva kunze kwemipiro yaunowana. Asi yeuka kuti kunyange pasi pehurumende itsva inobhadharwa zvikuru, asi mari yaunowana kupfurikidza neyamubhadharo yaunzi yakaderera yakakwirira pasi peyaudzo, inobvumirwa nehurumende itsva pasi pehurumende inobvumirwa kudzorwa muteshi, inobvumirwa kupfumba mipiro yePS(802), asi inobvumirwa kupfurikidza nemipiro inobhadharwa zvikuru. Asi inobhadharwa zvikuru, mipiro inosara iri inokubatsira zvikuru, kana usati watongedzwa

7 Tanga Kukurumidza uye Shandisa Gadziriro Dzemari Yemichina (SIP)

Chinonyanya kukosha muuremu hwekurega basa inguva, kwete mwero wokudzoka. Kutanga pa25 kana kuti 35 corpus yako yokupedzisira ingapetwa kaviri kana kuti katatu nemhaka yokubatanidza. Shandisa PIPS nokuda kweESS uye mipiro yenguva dzose kuPPF/NPS kuitsinha. Kuisa mari yokuisa mari yemari inopinzwa kuchaita kuti usatongorasikirwa nomwedzi. Somuenzaniso, kugadza muganhu wemotokari wemwedzi ne655,000 murekondi yeESS uye 76 000 muNFS. Pagore, ungadai wakazobvisa 66 000 muESS neNPS, uye GNPS inokawanawo muganhu weEPS.

Zvikanganiso Zvinozivikanwa Navose uye Nzira Yokuzvidzivisa Nayo

Kunyange nevavariro dzakanakisisa, vatengi vemari vakawanda veIndia vanowira mumisungo inoderedza kubudirira kwokushandisa mari yokurega basa.

  • Kubvisa mari yomutero yawakachengeta senharidzano huru: Vamwe vanhu vanosarudza mari yokuisa mari yakavakirwa chose chose pakuderera kwomutero pasina kurangarira dzorero dzenguva refu. Somuenzaniso, kutenga mirau yakaderera inobviswa yeinishuwarenzi kungakupfigira mudzorero yakashata. Nguva dzose yera kudzoka kwepashure pemitengo pashure pokukwira kwemitengo.
  • Kuwedzera kumari inoiswa: PPF neEPF zvakakotsekana, asi kuzvivimba kwakanyanyisa kunogona kuguma nokuderera kwemitengo. Munhau, purofiti yePPPF inokwira pamusoro pe 7-8% inosiya kukura chaikoiko. Zvisaririra zvinokosha nokuda kwechisiko chine revo makore anopfuura 20+.
  • Kubhadharisa NPS mari inobviswa pagore negore: Pakurega basa, 40% yeNPS corpus inofanira kushandiswa kutenga Mari inobviswa pagore negore, uye mari inobviswa gore negore inobhadharwa sepapepa remari paunowana. Izvi zvinogona kuita kuti mutero uve pamudyandigere. Ronga yokupinda mune zvimwe zvishandiso zvinogovera mari yepachena, yakadai sePPF kana kuti ESS (zvinowirirana nemitemo).
  • Kusahwirudzura mutengo wemitero gore negore:[[FT:1] Mitemo yemitero inochinja, mari inochinja, uye mugariro wako wemari unochinja. Ongorora mutengo wenzvimbo yako yokurega basa gore riri rose. Kuwedzera migove yemari inogoverwa, kuwedzera mipiro netanho yomubhadharo, uye kuchinja mari kana mubato usina.
  • Kukweva nguva isati yakwana: PPF ne EPF zvinobvumira kurasika kwapashoma nokuda kwezvinangwa zvakati zvakadai sedzidzo kana kuti imba. Nepo uku kurasha kusati kuri chikanganiso pase, kunoderedza macorpu ayo angabatanidza. Edza kuganhurira kukura kumigariro yekurumidziro yapachokwadi uye chengeta zvimwe mutengo zvakarongwa.

Kuisa Zvose Pamwe Chete: Gadziriro Yokurega Basa Yomuenzaniso

Ngatienzanisirei purani yekongiri yenyanzvi inobhadharwa yamakore 30 inoripirwa mari 7612 lakh pagore, muhurumende yekare yomutero, ine nharidzano yokurega basa pazera ramakore 60.

  • EPF: Tarisa mubhadharo mukuru 760,000 pamwedzi. Mupiro webasa we 12% = 76 000 pamwedzi = 762 000 pagore. Ikoku kunokwanirisa pasi pa 80C.
  • PPF: Zarura kaundi wopa 760,000 pagore (kungozvinyima kana kuti mu 12 dzemari). Uyewo rinokwaniriswa pasi pe 80C.
  • ESS: Tanga SIP yemwedzi nomwedzi ye76 000 = 766 000 pagore. Qualote pa 80C.
  • NPS (GIES): Mupiro 764 000 pamwedzi = 7648 000 pagore. Ikoku kunofukidza 7648 000 pasi pa 80CCD (1) mumuganhu we 80C. Asi tinotova na 762 000 7650 000+76 000 763 000 = 763 000 kubva kumamwe manyuko, kupfuura 809 000. Naizvozvo tinofanira kugadziridza. Gadziridza: PPF kusvikira ku 761 000, Chengeta EPS pa 76 000 000, hwerengedzo 80 C = 761,38,000. Ipapo shandisa NPS inopa 76 000 000 000 000. Chitsamazarira 76 000 000. Chitsama 80 000 000 000 (5 000 000) mupiro wapasi pose (5 000 000 000). Izvo-10, iyi inopa hwerengero yegore rapasi penyika yose (10,5,5,5,5,5,5,5,3,3,3,3,3,3,3,3,3,3,4, 764, 76, 76, 76, 76, 76, 76
  • Mupiro wemushandirwi: Kana mushandirwi achipa NPS, chinoreva 10% yomubhadharo = 76120 000 pagore. Pasi pa80CCD(2), ikoku hakushandi zvakakwana, kuchichengeta kumwe 766 000 mumutero. Naizvozvo deredzero yebviro inobvira 763,20 000.

Anopfuura makore 30, kurangarira EPF pa 8%, PPF pa 7%, ESS pa12%, NPS pa 10% (avhareji inorema), corpus pazera ramakore 60 yaizova inenge 76,5-3 crrome (cherekedzo yemipimo yepanguva ino). Ikoku kunogovera mari yakanaka yomwedzi nomwedzi mukurega basa, zvikurukuru apo ikabatanidzwa nemari inobviswa paNPS uye misha yegore inobva kuPF/EPF.

Mugumo: Tanga Nhasi, Kohwa Mangwana

Kuvaka mutengi wemitero unobhadharwa muIndia haisi chinhu chakavanzika – inhau yokuisa mari yemari inokwana, yemitero isingadzoreki. Zvishandiso zvinogoverwa pasi pemitemo yemitero yeIndia zvakagadzirirwa kukurudzira mari inochengetwa kwenguva refu, uye zvinoshanda nenzira inoshamisa apo zvinoshandiswa zvakarurama. Mubatanidzwa wemari inochengetwa nokukurumidza, kubatanidzwa, uye kugoverwa kwemipiro yemari yemari kunogona kuchinja kutengwa kwemari yegore negore kuva denda rinokura. Usamirira mari yakakwirira zvikuru kana kuti “migariro yemisika yakakwana yemusika. Kutanga nechinhu chipi nechipi chaunogona – kunyange 2016 . Kuwedzera kwacho pagore 10%. Kuwedzera mari yemari inonyoreswa gore riri rose. Kurangarira mushandirwi wemari kana kuchidikanwa, asi yeuka nhano hurusanokosha kukuvambavamba yako yokuchengeta mupeto. Kuvamba kupfurikidza nokuchengeta basa rako rendarama zvirokwazvo.

Nokuda kwokuravazve, nzvera nzvimbo yepaIndaneti yeBato reMitero nokuda kweganhuriro dzechitsaru chazvino uno, NPS nokuda kwoudzame hweNPS, uye [[FLT:] EFFO portal nokuda kwemitemo yeEPF.