Hurumende yeAustralia inoita basa guru mukuumba mamiriro ezvinhu akachengetedzwa munyika anochengetedzwa pakurega basa. Kupfurikidza nemubatanidzwa wemitemo yomutero, ganhuriro yomupiro, udzori hwemari, uye mirau yokurega, mitemo yeTreasury inopesvedzera zvakananga kuti vanhu vokuAustralia vanounganidza mari yakawanda sei mumitemo uye kuti vanochengeteka sei nemari yavo inowana pamudyandigere. Mumakore gumi apfuura, chinjo dzemitemo dzinotevedzana dzakaedza kudzikamisa kuwirirana nokusasarura, kusaruramisira, uye kuchengeteka. Kunzwisisa iyi mitemo kunokosha nokuda kwokuronga basa ravo rokurega basa, uye vatarisiri vemari vanotungamirira vatengi.

Kuvakwa Kwegadziriro Yezvikuru yeAustralia

Gadziriro huru yeAustralia inoshanda sechirongwa chokuraira, chinotsigirwa, chinorondedzerwa. Vashandirwi vanofanira kugovera chikamu muzana chemari yenguvawo zvayo inotambirwa muhomwe inowirirana. Mari inoiswa mumakumi amakore, kupfuudzira kunoumba uko kunoumba mavambo emari inotambira pamudyandigere pamwe chete neAge Pension. Gadziriro inodzorwa neAustralian Prudential Regamential Authority (APRA), Saceturality and Investicesments Commissions (ASIC), uye Australian Staclation Office (ATO) yemariporation (ATO) yemari yeIST.

Mativi makuru egadziriro anobatanidza Supernuation Stizect Inict (SG), inoda mipiro mishomanene yavashandirwi, uye nhevedzano yedzinobvumiranwa mutero yakagadzirirwa kukurudzira kuchengeta mari yokuzvidira. Mitemo yemari inoumba rutivi rwuri rwose rwezvisakiso kusvikira apo mari inogona kuwanwa.

Chinopa Chikuru Chinovimbisa Kuti: Chisakiso

Mwero weSG wakawedzera kubva pa9,5% kusvikira ku 10% saJuly 2021, nokumwe kugadziridzwa kwakawedzera kusvika ku12% pa July 2025. Uku kuwedzera kwapashoma napashoma muitiro weTreasure weBhishopi unoitirwa kusimudzira ganhuriro dzemidyandigere. Zvirongwa zveFernal Treasurence kuti wedzero kubva pa 9,5% kusvikira ku 12% ichakwidza mari yakachengetwa pamudyandigere yomunn.

Marudzi Emari Yakagadzirwa Nezvikuru

VaAustralia vanogona kusarudza mumarudzi anoverengeka emari yemari yemari: mari yebhizimisi (kwete yemhindu), mari yebhizimisi (yokuita kuti purofiti), mari yekambani, mari yekambani yavose, uye kuzvitonga. Rudzi rumwe norumwe runodzorwa nemari yakafara imwe cheteyo yemari inoiswa pasi peyakafara, asi inosiana muhurumende, zvivako zvemari, uye zvisarudzo. Mitemo yemari, yakadai se SSGORGY STY kuchinja zvinhu ne [[FT:] Nguva Yenyu yemberi, Super[FFLT:3], yakasimudzira nokuda kwokuoneka, kuderedzwa, uye shongedzerwa kwemari yakarongwa pabasa.

Mupiro: Kuumba Kunoita Tsamba Kuponesa Kukura

Kubatwa kwomutero kwemipiro ndiimwe yemibato yeTreasurey ine simba zvikurusa inoshandiswa kupesvedzera mufambiro wokuchengeta mudyandigere. Mipiro inowira mumapoka makuru maviri: concessional uye numbessions[[[FLT]6:3].

Mipiro Yemabhizimisi (Pamberi Pekutsigira Kutambura)

Izvozvi zvinobatanidza mipiro nemubhadharo . Zvinobhadharwa pamwero wakafara we 15% mukati mehomwe, zvichienzaniswa nemwero wemari yomutero yapamutengi womunhu, iyo inogona kuva yakakwirira se 47% (kubatanidza Medicare levy). Kuvaripi vamari vanotambira mari yakawanda, Komishinari inoshandisa mutero weChikamu 293 – 15% pakuwedzera pamitero inobvumirwa nokuda kwavanhu nemari inowanwa yakabatanidzwa nemipiro inopfuura $50 000. Uyu muitiro unovavarira kudzikamisa betsero yemitero nokuda kwavaripi vanopfuura vashandi vazhinjisa.

Chifo cha1 July 2017, kepisi yegore negore pamipiro inobvumirwa yave iri $7 500 (yakarongwa kuAvhareji yeVhiki nevhiki yeOvanzic Time Earnings). Chisarudzo chevemari chokunangidzira kepisi (nguva yokutanga yakaitika kubva muna 2017 kubvira muna 1 July 2024, kuisimudza kusvika ku $30 000) inobetsera kuramba ichifambirana nokukura kwemitero, asi inoda kuongororwa kupfuurira kudzivisa kuganhurirwa kwemitero kwakanyanyisa kubva pakubvisa Bhangi.

Mipiro Isingawirirani Nezvakaitika (Pashure Pekuvapo)

Mipiro isingabhadharwi inopfuudzwa kubva pamubhadharo unotobhadharwa uye naizvozvo haitereswi zvakare muhomwe. Kipisi yegore negore i $110 000 (yakapinzwa ku $10 000 (kubva muna 1 July 2024). Kutonga kwakaunzazve kunobvumira vanhu vari pasi pemakore 75 kugovera mipiro inopfuura makore matatu isati iri mitengo inorema yemari mugore rimwe, yakagovera [[FL:0] $5] Yakakwirira (TSB) haipfuuregi kusvika pa $1.9 mamirioni. Kusuma kweTSB uye kudzosera kwakatevera kweTB kunodzivisa vanhu kukura kusvika pakupinda panzvimbo inodzokororo inodzorwa, kupfurikidza nokudzorwa kwemitero yakaderera.[FLTB]

Mitemo Yokudzosa Neganhuriro Dzokuwana

Mitemo yemari inodzora zvikuru apo musero wemari unogona kuwanwa, ichisimbisa chinangwa chegadziriro yokugovera mari yokurega basa panzvimbo pokushandisa nokukurumidza. Kazhinji kazhinji, zera rokuchengeta (pari zvino pakati pa 55 na 60, zvichitsamira pagore rokuberekwa) izera rapakuvamba zvikurusa parinounganidzwa mari panogona kubviswa. Zvikamu zvinobatanidza nhamo dzemari dzakakomba, kusashanda zvakanaka kwechigarire, chirwere chenyuruvara, uye Super Home Salter Stuage (FSSS S).

Kutanga Kuchengetedza Musha Unyanzvi Hwokuchengetedza (FHSSS)

Yakatangwa muna 2017-18, FHSS inobvumira vatengi vokutanga vehome kuti vadzoke kusvika $15 000 pagore (inosvika pahwerengedzo ye $50 000) mumipiro yokuzvidira uye isiri yemipiro yokuzvidira kuti vatsigire mari inoshandiswa pamusha. Muitiro wacho wakarongedzerwa kudzora rudzi rwokuchengeteka kukuru rwokuchengetedza nepo zvichiri kugonesa kushandiswa kwemari inooneka. Mari inohwirudzura chirongwa chacho nokuchinja nokukosha kwedzimba, nechinjo dzemisi ichangobva kugadzirwa (kuvambira pa202345.24) inowedzera chitsama chikuru chemari inotambira ku $50 000 uye inobvumira kubviswa kwemari inosvika 85% yemipiro inoshanda.

Kurega Basa – Kuderera Kuduku Nokuchinja Kubasa (TTR)

Pakusvika zera rokuchengeta nokurega basa (kana kuti makore 65, api kana api apakuvamba), mitezo inogona kusvika nhambo yayo yokurega basa. Munhambo yokurega basa, maakaundi anofanira kusangana miduku yakaderedzwa gore negore kuti idzivise kutengeswa kwemari inomanikidzirwa. Rutivi rwakakurumbira iTRAN kufora kwemazera 65-74, 75% nokuda kwemazera 75-79, zvichingodaro, uye zvichingodaro, izvo zvinobvumira mitezo inochengeta mari inopfuudzwa kuti itange kumhanya daro ichiri kushanda.

Mitemo Yokuchengeta Mari Neurongwa Hwokutarisira

Mitemo yezvemari yakaronga kuti nhengo dzinochengeta mari yakawanda sei, ichivavarira kudzikamisa kukura kwenguva refu nokutarisira ngozi.

Muedzi Wemichina uye Muedzo Webasa

MySuper chigadzirwa chakaderera chinotangwa ne Super Super (20: 1). Mitezo yose yemari yegore negore inoiswa muchisarudzo cheMySuper kutoti vasarudza nokushingaira chimwe chinhu. Muna 2020, hurumende yakagadza Nguva Yenyu Yemberi, Super pasuru, iyo inobatanidza kuedza kushanda kwegore negore kunoitwa naPUPULA. Nyubhuro dzinokundikana kuedza makore maviri mumutsetse unorambidzwa kugamuchira mitezo mitsva uye inofanira kuzivisa mitezo iripo. Uyu muitiro wakatotungamirira kukuvakwa kwemari inoverengeka yapavhuro nehomwe. Chinangwa chekufambisa zviri kudzokorodza nokuna mutengo.

Kutarisira Kunoita Mitezo Yakanakisisa — Basa Rokuita Zvinodiwa Nenhengo

Kuvandudza kwemisi ichangobva kupfuura iyi ku [[FT:0] Indaneti (Sangano rePurefection) Act 1993 (Chiito cheSis (ISSIT)[FL:1] yakabatanidza kuti vanovimba vanofanira kurangarira bedzi fariro dzemari dzemitezo apo vanoita zvisarudzo zvemari. Iyi “fariro dzemari", yakatangwa muna 2021 neUniversity Laws Amendment (Nguva Yako Yenguva Yemberi, Super) Act, inorambidza zvisarudzo zvakavakirwa padzimwe nharidzano dzemari dzemitezo (mt., ESG kutonge kuri kutoti inobatanidzwa nokudzoka kwemitezo). Iyi kurukurirano inoparira kurukurirano, asi shoo yemari inoidzosera mari inova inotongedzerwa mu 2021 yogaro yengozi yemari.

Kudzivirira Muchisungo uye Mutezo

Chimwe chinhu chinokosha cheNguva Yako Yemberi, Kuchinja Kwako kukuru ndi statung. Mune uyu muitiro, apo mushandi anochinja mabasa, nhauro yavo huru iripo inodzitevera (i.e, “yakagadzirwa”) kudzivisa kusikwa kwemitengo mizhinji, mari inodzorwa. Kondirati inofungidzira kuti mwero ungaponesa mitezo mabhiriyoni $2,8 mumitengo inopfuura makore gumi. Spaling akaderedzawo kudikanwa kwemari inodhura. Kushanda kwemari inodzorwa neCrectoring, uye mashoko apakuvamba anoratidza kudonha muzvinyorwa zvinotevererwa.

Vatsigiri Vemitero Kukuwedzera Kuchengetedzwa Kwokuzvidira

Kupfuura mipiro yaidiwa, vashandi vevezvemari vakatsvaka zvikarakadzo zvemitero zvokukurudzira vaAustralia kuchengetedza nokuzvidira zvakawanda nokuda kwokurega basa.

Kugovera kweHurumende

Mubatanidzwa wemipiro yemaoperal conuconnuation pashure pemipiro yakaderera neyapakati nenzvimbo inobhadharwa. Nokuda kwegore ra2023-24 remari inotambirwa, mupiro mukurusa weko processor ( $50% yemipiro yomunhu oga kusvikira ku $10 000) nokuda kwavanhu vanowana mari iri pasi pe $43,445; inoguma yakakwana chose chose pa $58,445. Mwero wakaenzana nezvitsauko zvinogadziridzwa panhambo nenhambo nenhambo kuti zviratidzire kukwira nokuderera kwemitengo. Iyi inopfuurira zvakananga inotsigira kubatira zvikuru avo vanotsamira panzvimbo hurusarira napanhambo yeNhambo yeChizvarwa.

Mutero Wakaderera Unokosha (Garafimi)

TOUS inopa mitero isingabhadharwi iyo inonyatsoita mutero wemari yemitero 15% pamipiro inobvumirwa inosvika $500 (Z $17 500) pagore nokuda kwavanhu vanotambira mari inogadziridzwa yemitero pasi pe $37 000. Iyi purogiramu inovimbisa kuti vatakuri vamari inotambirwa mari shoma haisi yakashata zvikuru pasi pemitero inopfuudza 15% kana kuti mwero wavo womucheto (ingagona kuva 0% kana 19%). LUKAO inodya mari yeBhanci inenge mamiriyoni 780 muna 202222 -23 asi inoshumwa neenderero yokufambira mberi.

Mipiro Yevaderedzi

Chifo cha1 July 2018, vaAustralia vane makore 55 navanopfuura vanogona kugovera mari inosvika $30 000 (yakaganhurirwa) kubva pakutengeswa kwomusha wavo kuva mukuru, pasinei zvapo nekepisi dzemipiro kana kuti nzvero dzebasa. Zera racho rakaderedzwa kubva pa 60 kusvikira pa55 pa1 July 2022 kuti rikurudzire kuderedza nokubvisa mari inochengeterwa pokugara. Kunzvera kweTreal kunoratidza kuva kune mwero, nemipiro yakawanda inoenda kuvanhu vane TSB inotova inopfuura $1,9 000 (zvisizvo vaisagona kuita mipiro isingakwani yemari yemari inosarira mari yepazvitsara zvokurega basa). Muitiro wokuwedzera mari inochengetwa pamudyandi ipo apo unenge uchikurukura bhizimisi rokutengesa zvivako zvedzimba.

Kuchinja Kwegadziriro Yemari Yemisi Ichangobva Kupfuura Netapuro Dzayo

Makore matatu apfuura aona kuchinja kunoverengeka kunoshamisa kweveChirmendi kunokanganisa zvakananga mari yavanochengeta vachirega basa.

Kuwedzera Kwekuwedzera Kunovimbisa 12% pa2025

Wedzero yakarongwa kubva pa 9.5% (2020) kusvikira ku 12% (2025) inowedzera mapfundo ane 2 500 emari inotambirwa kuva makuru gore rimwe nerimwe. Kuwedzera nevevezvemari neProvice Commission kunoratidzira kuti kumushandi ane makore 30 pamari inotambirwa, wedzero ichawedzera inenge $55 000 (mumadhora anhasi) kudzikamo yavo huru. Zvisinei, mutemo wacho wakatarisana netsoropotedzo inobva kumapoka avashandirwi nokuda kwendyiko dzinowedzera dzebasa, uye vashandi vangagamuchira wedzero yakaderera mukutsinhanhanha.

Matapa Nekuiswa Kwechiratidzo – Kutsigira Kuwedzera

Kuvambira pa 1 July 2024, kepisi dzekodzero nedzisiri dzekunyoresa dzakaiswa nokuda kwenguva yokutanga chifo cha 2017, kusimudza makepisi anobvumirwa kubva pa $7 500 000 kusvikira ku $30 000 neasiri processionsations kubva pa $110 000 kusvikira ku $120 000. Iyi indekisi, yakasungirwa kuAWOTE, yakaitirwa kudzivisa shamhu mugadziriro umo vashandi vazhinji vari kusvika miganhu yepashure yapamuro yemari inobhadharwa uye SG inowedzera. Chisarudzo chemari chokusimbisa kuti kero yacho irambe iri madikanwa pasina kuda manyuko emitemo emitemo.

Chikamu 293 Muganhu Wakasununguka uye Chiratidziro

Chikamu Chikamu 293 chemari inotambirwa ye $250 000 chakaomeswa chifo chaapo yakatanga kunyorwa muna 2013, kureva kuti vawani vemari vakawanda vepakati pe66 vanobatwa gore negore sezvo mari inowana. Komishinari yemari inofungidzira kuti inenge 2% yemitero yakatapurwa muna 2013; panosvika 2023, inenge 4%. Chinochengetedza mari inosvika mari inowedzera mari yemitero inoshanda pamipiro yemitengo yepamusoro chaipo. Kana Trechisi yacho isina kuzivisa indedzero, mutemo unokarirwa kuwedzerazve, zvichidzosera mberi, zvichidzosera mari inobhadharwa pakuronga basa nokuda kwenyanzvi nemamaneja.

Kunetsa Mapoka Akasiyana - siyana

Magadzirirwo egadziriro yacho anobereka migumisiro yakasiyana - siyana yakavakirwa pamari inowanwa, zera, vanhukadzi, uye rudzi rwebasa.

Mhizha Dzinobhadhara

Mutengo wePurcein inowana mari unobetserwa nemupiro weISTO necogconition, asi mipiro yavo yakaderera yeSG (nokuda kwomubhadharo wakaderera) nokushaikwa kwemari yokuwedzera kunoreva kuti vachiri kuvimba zvikuru neNhambo. Treasurery’s Indation Infeance Review [2020] yakawana kuti tsika huru inoshanda zvakanaka zvikuru nokuda kwavanhu vane mitoo yebasa yakaputsika, zvikurukuru vakadzi navashandiwo zvavo. Policies yakafanana ne Supernuation paParetal Let [[FLT]] [FLT] [20] (kudzorwa asi kusati kunyorwa) kurongedzero, uye kurongedzero.

Vakadzi Nevanhu Vasina Kubatana

Vakadzi vanorega basa na25% vachiva nemari shoma zvikuru kupfuura varume paavhareji, nemhaka yemari inotambirwa yakaderera, nguva kubva kuvashandi nokuda kwokutarisira, uye mwero yakakwirira yebasa. Mitemo yeTreasure inogovera mari yakananga (mutoo, copalation) uye mutengo wemitero (ISTO) inowanzobetsera vakadzi zvikuru nemhaka yokuti kazhinji kazhinji kazhinji vari muzvivhozhokero zvakaderera zvikuru. Zvisinei, mukaha wevatano yevatano unopfuurira. Vakadzi veZ $450 pamwedzi SG unobatanidza zvitsauko zvakadai sokubviswa kwe $4 (chitsama 1 July 2022), izvo zvakawedzera SG kuva vashandi vazhinji venguva yakaderera zvikuru, zvikurukuru. Vakadzi vaimutengo kubhajeka yemari yakanga iri $1.2, mabhiriyoni mana.

Minzwa Yakakwirira Inowana Uye Yakadzikama

Vanhu vane TSB inopfuura mamirioni $1,9 vanotarisana neganhuriro pamipiro isingawirirani, uye avo vanowana mari inodarika $50 000 000 vanobhadhara Mutero 293. Nokuda kwaavo vane mari inokwana kupfuura mamirioni $3, kubva muna 1 July 2025, mwero wemitero wakakwirira we30% ichashandisa pamibhadharo yomunguva yemberi (inopfuura 15%). Iyi nhambo, yakaziviswa mu 202324 Dzivaramende yemari, yakagadzirirwa kuita kubvumira mutero mukurusa. Treshita ichatapura vanhu vanenge 80 000 000 000 (5% yemitezo) uye kukwidza mabhiriyoni $272. Chiyero chaverwa nharo, nepokanyo yereti yeRetiactive, asi inoidzivirira seri madikanwa nokuda kwekutsigirwa.

Kutapura Kwemari Nekushanda Kwemari Kwetsika Dzinopfuura Dzokutarisira Mari

Mitemo yevemari pakuwana mari yakawanda haisati iri bedzi pamusoro pemiuyo yokurega basa yomunhu oga – ine miuyo mikuru yemari. Chikamu chikuru zvino chinokwanisa kupfuudza mari inopfuura $3,5 mabhiriyoni,5 muzvinhu, kuchiiita kuti ive imwe yemitengo mikurusa yemari yakachengetwa pamudyandigere munyika. Kubvumira kubhadhara mari yemari pamutengo mukuru kunenge mabhiriyoni $5 (Z $4,4,44,44) pagore mukusaibhadhara mari inotsa mari inotengwa zvikuru yemitero. Komhembe yemari inosano inonzvera kana iyo inopa miuyo yokurega basa ichigovera miuyo inokwana yakakwana munyika yose uye kana mutengo wacho uchiruramiswa.

Chinjo dzemisi ichangobva kupfuura iyi, dzakadai senzvero yokuita, kubvisa, uye kepisi yamamirioni $3, zvinovavarira kuderedza tsvina ndokuvandudza kushanda zvakanaka kwegadziriro. Sungano yeTreasurence Iniverdating Infecter, iyo yakatanga kushanda pana 1 July 2022, inodawo vanovimba nemari yakawanda zvikuru kuti vagadzirire nzira yokubetsera mitezo kuwana nharidzano dzemari inotambira basa rokurega basa, kubatanidza kudzora ngozi yenguva refu. Iyi inobvisa ngwariro kubva mukubatanidza kwakachena kurumbidziko yakakwana, chibereko chinokurudzira nduramo neboka. Dare rinoshandawo naAPUPRIA neASIC kuvimbisa kuti mitezo igamuchire kuti igamuchire nharidzano neyakafanira.

Kuenzanisa Kwamarudzi Ose Nezvidzidzo

Gadziriro huru yeAustralia inowanzoenzaniswa neiyo yeCanada, Chile, Denmark, uye Netherlands. Mitemo yezvemari yakakwereta zvinhu kune imwe neimwe. Somuenzaniso, gadziriro yemari yeAustralia yakarongwa yemari (MySuper) yakafanana nemipiro mizhinji yeChile asi ine murairo wakasimba zvikuru. Kutanga kwenhambo duku inodikanwa (sekuparadzirwa kuduku kunodikanwa muUS) kunovimbisa kuti super inoshandiswa nokuda kwemari inowanwa panzvimbo pokuchengetwa. Muenzanisiro womupiro unorondedzerwa weNetherlands uri kufundwa asi hausi kugamuchirwa nemhaka yezvakaoma kunzwisisa.

Gadziriro yeAustralia inomanikidzirwa zvikuru kupfuura zhinji, iyo inowedzera kuwirirana kwomunhu asi inoganhurira. Chisarudzo cheTreasury chokuchengeta mitemo yakasimba yokuchengetedza (kunze kweFHSSS) chinoratidzira chitendero chokuti gombedzero iri madikanwa nokuda kwokusangwarira.

Kutarira mberi: Mirairidzo Yenguva Yemberi Yegadziriro Yezvemari

Zvinyorwa zvinoverengeka zviri papurogiramu yeTreasureal yamakore mashanu anotevera. Kuwedzera kwakarongwa muSG kusvikira ku12% kucharongwa zvizere muna July 2025, uye Treasurer ichatarisira tapuro yazvo pamibairo yemari neHwiro. Kuiswa kwemipiro nezvikumbaridzo kuchapfuurira, kuchida gadziridzo dzinoshanda. Kubatwa kwesvomhuro huru muchatanuro nebasa renzvimbo huru mukubhadhara mari mudzimba (zvik.g., kubvumira kubviswa kwapanogumira nokuda kwemitengo yomusha) kunoramba kuri kwogaronge magaro. Retirement Reviewry inopfuurira, inonzvera nzira dzokuita kuti ipedze mibato iwirira mari yokurega basa yapavhuro yakawanda uye inosvikidzwa.

Mumwe muganhu ndi pangiro yemari nebvumirano yemitezo. Vemitezo iri kurangarira nzira yokuderedza nayo ndyiko yezano romunhu oga kuitira kuti vaAustralia vakawanda vagone kuvandudza gadziriro dzavo huru mukati megadziriro yemiitiro. The Security of Applice Review (2022) yakarumbidza kuderedza nhano dzechiteshi chechiteshi nokuda kwezano gurusa; Mutezo wemari uri kunzvera pakuitwa.

Pakupedzisira, Intergeneral Report (2023) yakasimbisa kuti gadziriro huru ichada kutsigira mwero unokura wevakarega basa pamusoro pavashandi. Semitengo yeZuva sezvingabvira ichada kugadziridzazve Pension yeNhambo inoreva mitemo yokuedza mukuva nemitemo mikurusa kuti ichengete kuchengeteka kwemichero.

mhedziso

Mitemo yeTreasureal yeAustralia haisati iri gadziriro yakareruka yezvishandiso zvinoshanda izvo zvinopfuurira kuvandudza nzira iyo vanhu vamwe navamwe, mari, uye upfumi zvinobatirana nayo nemari inochengetwa pamudyandigere. Kubva paSG uye zvitsinhano zvemipiro yebasa nokuda kwemiedzo yebasa nesungano dzemari yokurega basa, muitiro mumwe nomumwe unogadzirwa nokungwarira kudzikamisa nharidzano dzinokwikwikwidzana dzekuva noumhizha, kusakwanisa, uye kushanda zvakanaka kwemari. Nokuda kweAustralia, kuramba ichiziva pamusoro pemitevedzero iyi inokosha pakuita zvisarudzo zvemutengo, mari, uye kuderedza bhajekedzo yadzoro huru.