Mabhangi eTurkey: mubereko wakaiswa mubereko, mari yehusiku humwe, goridhe, mari yekunze uye crypto account - 2024

Chii chinopihwa nemabhangi eTurkey?

Mumabhangi eTurkey, vanoisa mari vanogona kuwana huwandu hwakawanda hwezvigadzirwa zvemari zvinoenderana nezvinodiwa zvakasiyana. Heino pfupiso yezvipo zvikuru:

• Fixed deposit accounts: Izvi zvinopa mibairo yakatarwa yenguva yakatarwa uye isarudzo yakanaka kune vanoisa mari vari kutsvaga kudzoka kwakachengeteka uye kunofungidzirwa.
• Current accounts: Yakanyanya kuchinjika kupfuura yakatarwa-nguva dhipoziti maakaundi, ivo vanobvumira zuva nezuva kuwana capital, kunyangwe kazhinji ine yakaderera mubereko.
• Maakaundi egoridhe: Sarudzo inonakidza kune vanoisa mari vanoda kuisa mari mugoridhe remuviri, iyo inogona kupa portfolio kusiyanisa uye dziviriro kubva mukukwira kwemitengo.
• Mari dzekune dzimwe nyika maakaundi: Inokodzera vanoisa mari vanoda kubata uye kubata mari mumari dzakasiyana, kunyanya idzo dzine mari dzekunze kwenyika.
• Crypto accounts: Aya maakaundi anobvumira vashandisi kutenga, kutengesa, kubata uye kutengesa cryptocurrencies seBitcoin, Ethereum nevamwe.

Imwe neimwe yeiyi mafomu ekudyara inopa chaiwo mabhenefiti uye njodzi. Izvo zvakakosha kuti titarise iyezvino mamiriro emusika uye bhangi rega rega mamiriro uye mamiriro.

Fixed deposit accounts

Fixed-term deposit accounts kumabhangi eTurkey inzira yakakurumbira yekudyara kune vanochengetedza vari kutsvaga kudzoka kwakachengeteka uye kwakagadzikana. Aya maakaundi anopa mubereko wakamisikidzwa wenguva yakatarwa, iyo inogona kusiyana zvichienderana nebhangi. Iwo akanakira vanoisa mari vanoda kuisa mari yavo kwenguva yakatarwa vasingade kuiwana panguva iyoyo. Mari yemubereko inogona kusiyana zvichienderana nemusika uye bhangi, saka zvinokurudzirwa kuenzanisa zvinopihwa kubva kumabhangi akasiyana kuti uwane yakanyanya kunaka pane zvaunoda. Fixed-term deposit accounts anonyanya kukodzera kune zvepakati-nenguva refu-yenguva yekuchengetedza zvinangwa.

Heino rumwe ruzivo rwakakwana nezve akatemerwa dhipoziti maakaundi mumabhangi eTurkey:

1. Online banking interest rates: Mabhangi anowanzo kupa mibairo yepamusoro yeakaunzi edhipoziti yenguva yakatarwa anovhurwa kuburikidza nekubhengi yepamhepo pane maakaundi anovhurwa mumapazi. Semuenzaniso, Ziraat Bank yakapa mubereko wepamusoro wemapazi epamhepo zvichienzaniswa nemadhipoziti ebazi.
2. Electronic term accounts: Maakaundi aya anosiyana nemaakaundi echinyakare edhipoziti enguva nekuti haana mapazi uye mari yekushanda yakabatana, zvichiita kuti mubereko uwedzere. Vanogona kuvhurwa online chero nguva.
3. Mari dzemari kubva kumabhanga akasiyana: Akasiyana mabhangi eTurkey anopa mareti akasiyana emubereko kune akatemerwa dhipoziti maakaundi. Mabhangi anopa maakaundi akadai anosanganisira Ziraat Bank, Halkbank, Vakıfbank, Şekerbank, Odeabank, İş Bankası, TEB, Denizbank, Akbank, QNB Finanzbank, Fibabanka, Garanti BBVA, ING Bank, Yapı Kredi, Anadolubank, Alternatif Bank, Vargankı Katılım, Albaraka Türk uye Kuveyt Türk.
4. Welcome kufarira: Mabhangi mazhinji eTurkey anopa anokwezva anogamuchirwa mubereko mubereko paunovhura yakatarwa-nguva dhipoziti account kekutanga. Nguva uye huwandu hwechido ichi hunosiyana zvichienderana nebhangi.

"Welcome interest" ikurudziro yekuti mamwe mabhanga anopa vatengi vatsva kuti vavhure account, kazhinji mari yekuchengeta kana yedhipoziti nguva. Iyi pfungwa inowanikwawo mumabhanga akasiyana-siyana muTurkey. Heano mamwe akakosha emitengo inogamuchirwa mubereko:

1. Mberero yepamusoro yevatengi vatsva: Mabhangi anowanzo kupa mibairo yepamusoro yevatengi vanovhura account kekutanga. Iyi mibairo inowanzoshanda kwenguva shoma uye inoshandiswa kukwezva vatengi vatsva.
2. Nguva shoma inopa: Mibairo yekugamuchirwa inowanzoshanda kwenguva yakatarwa mushure mekuvhurwa kweakaundi. Izvi zvinogona kubva kumavhiki mashoma kusvika kumwedzi yakawanda.
3. Mitemo nemamiriro akasiyana: Nguva uye huwandu hwemhindu yekugamuchirwa inosiyana kubva kubhangi nebhangi. Semuenzaniso, mamwe mabhanga anopa mubereko wepamusoro pamazuva makumi mapfumbamwe ekutanga, nepo mamwe achipa nguva pfupi kana yakareba.
4. Inoshanda kumhando dzakasiyana dzeakaundi: Kunyange hazvo mibairo inogamuchirwa ichiwanzo kuwanikwa pamaakaundi edhipoziti enguva yakatarwa, inogonawo kupihwa kune dzimwe mhando dzeakaundi dzakadai seakaundi maakaundi azvino kana hurongwa hwekuchengeta.
5. Muganho kune vatengi vatsva: Iyi mibairo inowanzoitirwa vatengi vatsva vebhangi chete. Vatengi varipo vanotova neakaundi kubhangi vanowanzo bviswa pane izvi zvinopihwa.

Izvo zvakakosha kuti unzwisise zvizere mazwi emubereko wekugamuchirwa, kusanganisira kuti iyo yekupihwa inotora nguva yakareba sei uye chii chinoitika kune mubereko mushure mekunge nguva yekupihwa yapera. Vatengi vanofanirwawo kufunga zvimwe zvinhu zvakaita semubhadharo, zvishoma dhipoziti zvinodiwa uye kuwanikwa kwemari mukati mehupenyu hwekupihwa.

Ruzivo urwu runopa mucherechedzo wakazara weakatemerwa-nguva dhipoziti maakaundi mumabhangi eTurkey. Nekudaro, zvakakosha kuti ubate mabhanga akakodzera zvakananga kune ruzivo rwepamusoro-soro sezvo mari yemubereko uye mamiriro anogona kuchinja.

Mari dzemhindu

Mari yemubereko, kunyanya yezvigadzirwa zvekuchengetedza zvakaita semadhipoziti enguva yakatarwa uye kufona maakaundi emari, inogona kusiyana zvakanyanya zvichienderana nemamiriro ehupfumi, mutemo webhanga guru uye inflation rates. Mumakore achangopfuura, mitengo yemubereko yakachinja zvakanyanya munyika dzakawanda, kusanganisira Turkey.

1. Global trends: Pasi rose, mabhanga mazhinji epakati akacheka mubereko mukupindura matambudziko ehupfumi emakore achangopfuura, kusanganisira denda reCOVID-19. Izvi zvakaita kuti mubereko wakaderera wekare wezvigadzirwa zvekuchengetedza munyika dzakawanda.
2. Mamiriro ezvinhu muTurkey: MuTurkey, mubereko wakachinja zvikuru mumakore achangopfuura nekuda kwezvinhu zvakasiyana-siyana zvehupfumi zvakadai sekukwira kwemitengo uye kushanduka kwemari. Bhanga guru reTurkey rakagadzirisa mibairo yakakosha kakawanda kuti ipindure kune zviri kuitika mune zvehupfumi, izvo zvakazokanganisa mubereko wemaakaundi enguva yakatarwa uye yehusiku humwe.
3. High inflation: Turkey yakasangana nekukwira kwemitengo kwakakwira mune mamwe makore achangopfuura, kazhinji kacho zvichiita kuti iwedzere mhindu pamari yekuchengetedza kugadzirisa inflation.
4. Mari dzemubereko dzebhangi: Mari yemubereko inosiyana kubva kubhangi kuenda kubhangi uye inogonawo kusiyana mukati mebhangi zvichienderana nechigadzirwa, nguva uye huwandu. Mabhangi eTurkey akagadzirisa mari yavo yemubereko kune yakatarwa-nguva uye yehusiku dhipoziti maakaundi mukupindura mamiriro ehupfumi uye central bank policy.

Kuti uwane ruzivo rwechokwadi uye rwechizvino-zvino pamusoro pemitengo yemubereko, zvakanaka kubata mabhanga zvakananga kana kubvunza zviri pamutemo zvinyorwa zveTurkey Central Bank. Zivawo kuti mitengo yemubereko yekare haingoratidzi mafambiro enguva yemberi nekuti inoenderana nezvakawanda zvakasiyana siyana zvehupfumi nezvematongerwo enyika.

Current accounts

Fona maakaundi emari mumabhangi eTurkey anopa sarudzo inoshanduka yekudyara iyo inobvumira vanochengetedza kuwana mari yavo zuva nezuva. Rudzi urwu rweakaundi rune mareti emubereko anosiyana, ayo anowanzo kuderera pane mareti emubereko pane yakatarwa-term deposit account nekuti mari inogona kubviswa chero nguva. Maakaundi emari ezuva nezuva akakodzera kune vanoisa mari vanokoshesa kuchinjika uye vasingade kuisa mari yavo munguva yakatarwa. Zvakakosha kuenzanisa mibairo iripo uye mazwi kumabhangi akasiyana sezvo aya achigona kusiyana.

Heino rumwe ruzivo rwezveakaundi emusika wemari mumabhangi eTurkey:

1. kuchinjika: Maakaundi emari ekufona anoratidzirwa nehuwandu hwavo hwepamusoro hwekuchinjika. Vagadziri vemari vanogona kuwana mari yavo chero nguva, vachiita kuti maakaundi aya ave akanaka kune zvibodzwa zvenguva pfupi yekuchengetedza kana senzvimbo yekukurumidzira.
2. Variable interest rates: Kusiyana nemaakaunzi edhipoziti enguva yakatarwa, fonera maakaundi emari anopa mibairo yakasiyana. Izvi zvinowanzoenderana nemamiriro ezvinhu emusika uye zvinogona kuchinja maererano.
3. Mabhangi anopa maakaundi maakaundi azvino: Mabhangi mazhinji eTurkey anopa maakaundi maakaundi azvino. Izvi zvinosanganisira mabhanga makuru, akasimbiswa uye madiki, masangano ane hunyanzvi. Mamwe emabhangi anozivikanwa ndeaya Ziraat Bankası, İş Bankası, Garanti BBVA, Akbank, Yapı Kredi, Halkbank, Vakıfbank uye Denizbank.
4. Online banking sarudzo: Mabhangi mazhinji eTurkey anopa mabhengi epamhepo mabhengi maakaundi emusika wemari. Izvi zvinobvumira vatengi kubata zviri nyore maakaundi avo uye kuita kutengeserana online.
5. Minimum deposit uye muripo: Mamwe mabhanga angangoda dhipoziti shoma kuti avhure account yemusika wemari. Mamiriro emubhadharo anogonawo kusiyana, saka zvinokurudzirwa kuti utsvage zvakawanda kubva kubhangi rakasiyana pamberi.
6. Chengetedzo yedhipoziti: Sezvinoita zvese zvigadzirwa zvebhangi muTurkey, madhipoziti mumaakaundi emari ekufona anodzivirirwa kusvika kune imwe mari neiyo state deposit protection fund.

Zvakakosha kuenzanisa zvipo zvemazuva ano uye mamiriro kubva kumabhangi akasiyana-siyana sezvo mari yezvibereko uye mamiriro ezvinhu anogona kuchinja. Vagadziri vemari vanofanirwawo kufunga nezvemamiriro ehupfumi uye inflation mitengo muTurkey nekuti zvinhu izvi zvinogona kukanganisa kudzoka pakudyara kwavo.

Maakaundi egoridhe

Maakaundi egoridhe inzira yakakurumbira yekudyara muTurkey uye inopa yakasarudzika nzira yekuisa mugoridhe chairo pasina kuichengeta. Heano mamwe ruzivo rwakakwana nezveakaundi egoridhe mumabhangi eTurkey:

1. mashandiro: Maakaundi egoridhe anobvumira vanoisa mari kutenga, kubata uye kutengesa goridhe mune zvemagetsi fomu. Huwandu hwegoridhe muakaunti hwakanyorwa mumagiramu.
2. Chengetedzo uye nyore: Vagadziri vemari havafanirwe kunetseka nezve chengetedzo uye kuchengetedza kwegoridhe remuviri. Pane kudaro, ivo vanogona kubata zviri nyore mari yavo yegoridhe kuburikidza neakaundi yavo yekubhangi.
3. Mabhangi ane maakaundi egoridhe: Mabhangi akati wandei eTurkey anopa maakaundi egoridhe. Izvi zvinosanganisira mabhanga makuru akadai seZiraat Bankası, İş Bankası, Garanti BBVA, Akbank, Yapı Kredi, Halkbank, Vakıfbank neDenizbank. Mamwe mabhanga ehunyanzvi uye masangano emari anopawo maakaundi akadaro.
4. Kutenga nekutengesa goridhe: Vatengi vanogona kutenga nekutengesa goridhe kuburikidza neakaundi yavo pamitengo yazvino yemusika. Mamwe mabhanga anopawo zvirongwa zvekuchengetedza nguva dzose umo goridhe rinongotengwa nguva nenguva.
5. Fees uye Mari: Goridhe mubhadharo weakaundi zvimiro zvinosiyana zvichienderana nebhangi. Izvo zvakakosha kuti uzive nezve chero mari yekutonga account, mari yekutengeserana uye imwe mari.
6. Mutero zvinhu: Vanoisa mari vanofanirwa kuzvizivisawo nezve mutero wekudyara mugoridhe kuburikidza nemaakaundi ekubhangi sezvo izvi zvichisiyana nenyika.

Maakaundi egoridhe anopa imwe nzira inoyevedza kune vanoisa mari vanoda kuisa mari mugoridhe vasingaite matambudziko ekuchengeta nekuchengetedzeka kwegoridhe renyama. Nekudaro, zvakakosha kuenzanisa izvo zvinopihwa uye mamiriro emabhangi akasiyana uye kutora yako wega nzira yekudyara uye mamiriro azvino emusika muaccount.

Mari dzekune dzimwe nyika maakaundi

Maakaundi ekuchinjana ekunze nemabhangi eTurkey anopa vanoisa mari uye vanhu vebhizinesi mukana wekubata uye kubata mari mumari dzakasiyana. Rudzi urwu rweakaunti rwakanyanya kukodzera kune vanhu vanogara vachiita kutengeserana kwenyika dzese kana kuda kuzvidzivirira kubva mukushanduka kwemari. Heino rumwe ruzivo rwakakwana nezveakaundi ekunze ekutsinhana muTurkey:

1. Mhando dzakasiyana dzemari: Mabhangi eTurkey anopa maakaundi ekuchinjana kune dzimwe nyika mumari dzakasiyana siyana kusanganisira madhora ekuUS, maeuro, maBritish paundi uye dzimwe nguva dzimwe mari dzakadai seSwiss francs kana yen yeJapan.
2. kuchinjika: Maakaundi ekuchinjana kune dzimwe nyika anoita kuti zvikwanise kubata, kugamuchira uye kutumira mari mumari yekunze. Izvi zvinoita kuti kutengeserana kwebhizinesi repasi rese uye kutamisa mari yako kuve nyore.
3. Exchange rates: Shanduko kubva kune imwe mari kuenda kune imwe inoitwa pamitengo yekuchinja yebhangi ikozvino. Mitengo iyi inogona kushanduka zuva nezuva zvichienderana nekushanduka kuri kuita misika yekunze kwenyika.
4. Fees uye Mari: Kuvhura account, kugadzirisa uye mari yekushandura mari inogona kushanda. Aya maitiro ekubhadhara anosiyana zvichienderana nebhangi.
5. Mabhangi ane maakaundi emari yekunze: Mazhinji mabhanga makuru eTurkey akadai seZiraat Bankası, İş Bankası, Garanti BBVA, Akbank, Yapı Kredi, Halkbank, Vakıfbank uye Denizbank anopa maakaundi ekuchinjana kwekunze.
6. mubereko: Mamwe maakaundi emari yekunze anogona kupa chimbadzo pamakero emari yekunze akabatwa, kunyange hazvo mari dzemhindu idzi dzinowanzodzikira pane dzinopihwa neakaunzi enguva yakatarwa kana yeusiku humwe mumari yemuno.
7. Tax kufunga: Vanoisa mari vanofanirwa kufunga nezvemutero weakaundi emari yekunze sezvo izvi zvichisiyana nenyika uye nemitemo chaiyo.

Maakaundi ekuchinjana ekunze isarudzo iri nyore kune avo vanogara vachishanda nemari dzakasiyana. Sezvakaita chero sarudzo yemari, zvinokurudzirwa kuenzanisa zvinopihwa kubva kumabhangi akasiyana uye kuziva nezve anoenderana mamiriro uye mubhadharo.

Crypto accounts

Maakaundi eCryptocurrency, anozivikanwawo semaaccount account, ari kuwedzera kufarirwa nzira yekudyara kwedhijitari muTurkey nepasirese. Aya maakaundi anobvumira vashandisi kutenga, kutengesa, kubata uye kutengesa cryptocurrencies seBitcoin, Ethereum nevamwe. Heino rumwe ruzivo rwakakwana nezve crypto account:

1. Mabhangi uye cryptocurrencies: Mabhangi echinyakare kazhinji haape yakananga cryptocurrency maakaundi. Pane kudaro, maakaundi ecrypto anowanzo kupihwa nehunyanzvi hwekutsinhana kwe crypto kana mapuratifomu ekutengesa.
2. Turkish crypto kutengeserana mapuratifomu: Kune akati wandei crypto yekutengesa mapuratifomu muTurkey anobvumira kutenga uye kutengesa cryptocurrencies. Inonyanya kuzivikanwa inosanganisira BTCTurk, Paribu uye BtcTurk | Per.
3. Cryptocurrency wallets: Kugadzirisa cryptocurrencies, vashandisi vanoda chikwama chedhijitari. Kune mhando dzakasiyana dzewallet dzinosanganisira online wallet, mobile wallet, desktop wallet uye hardware wallet.
4. Chengetedzo uye njodzi: Cryptocurrencies inozivikanwa nekusagadzikana kwayo kwakanyanya uye inotakura njodzi dzinofanirwa kunyatso tariswa. Kuchengetedzwa kwekristptocurrencies kunoenderana zvakanyanya nekuchengetedzwa kwechikwama chakasarudzwa uye chikuva.
5. Mitemo uye nyaya dzemutemo: Mamiriro emutemo uye mutemo we cryptocurrencies unogona kuchinja nekukurumidza, muTurkey uye kune dzimwe nyika. Vashandisi vanofanirwa kugara vachizvizivisa nezve yazvino mirairo yemutemo.
6. Mutero zvinhu: Purofiti kubva mukutengesa cryptocurrencies inogona kuve pasi pemutero. Izvo zvakakosha kuti uzive nezve mutero zvisungo zvine chekuita ne cryptocurrencies munyika imwe neimwe.
7. Investment strategy: Cryptocurrencies inofanirwa kutariswa sechikamu cheakasiyana ekudyara zano. Nekuda kwekusagadzikana kwavo uye njodzi, zvinokurudzirwa kungoisa chikamu chemari yako yekudyara mu cryptocurrencies.

Cryptocurrencies inopa hunyanzvi hwekudyara mikana, asi zvakare inounza nenjodzi dzakanangana nematambudziko. Kunyatso tsvagurudza uye nehungwaru kutonga kwenjodzi kwakakosha kune chero munhu ari kutsvaga kuisa mari mu cryptocurrencies.

Musiyano uripo pakati peakatemerwa-nguva dhipoziti account uye yemagetsi nguva dhipoziti account:

Musiyano uripo pakati peakaunti yedhipoziti neakaundi yetemu yemagetsi unonyanya kuve munzira iyo maakaundi aya anotungamirwa uye kuwanikwa, uye dzimwe nguva mumari yemubereko inopihwa. Heino misiyano yakakosha:

1. Kuvhura account uye kutonga:
   • Fixed deposit account: Maakaundi edhipoziti echinyakare anowanzo kuvhurwa kubazi rebhangi. Aya maakaundi anodzorwa angave ari pabazi kana kuburikidza neashoma online banking kugona.
   • Electronic kugadzwa account: Maakaundi enguva yemagetsi anovhurwa uye anogadziriswa zvachose online. Ivo vanogonesa vatengi kuita zviri nyore kutengeserana kuburikidza neinternet banking kana nharembozha.
2. Accessibility uye nyore:
   • Fixed deposit account: Kuwana akatemerwa dhipoziti maakaundi kungave kushoma kana kushanya mu-munhu kubhangi bazi kuchidikanwa.
   • Electronic kugadzwa account: Aya maakaundi anopa kurerukirwa kukuru uye kuwanikwa sezvo mabasa ese anogona kuitwa online.
3. Mari dzemhindu:
   • Fixed deposit account: Mari dzemubereko dzechinyakare yakatarwa-nguva dhipoziti maakaundi inogona kusiyana zvichienderana nebhangi uye musika mamiriro.
   • Electronic kugadzwa account: Maakaundi emagetsi emagetsi anowanzo kupa mibairo yakakwira kupfuura yekare nguva yekuisa maakaundi nekuti mabhanga anogona kupfuudza mari kubva mukudzikiswa kwekutonga uye kushomeka kwemitengo yebazi kune vatengi.
4. Mari uye mari:
   • Fixed deposit account: Maakaundi echinyakare enguva yakatarwa anogona kuunza mari yekuvhura kana kuchengetedza account.
   • Electronic kugadzwa account: Aya maakaundi anowanzo kuve neakaderera kana asina muripo nekuda kwekuderera kwemari yekushandisa kubhangi.
5. chinangwa cheboka:
   • Fixed deposit account: Inokodzera vatengi vanofarira zvechinyakare kubhengi uye vanokoshesa kuonana nemunhu nebhangi.
   • Electronic kugadzwa account: Yakanakira vatengi vanosarudza kuve nyore uye kuchinjika kwekubhengi kwepamhepo.

Muchidimbu, maakaundi emagetsi emagetsi anopa yazvino, inochinjika uye inowanzo kuchipa imwe kune yechinyakare term deposit maakaundi, kunyanya kune vatengi vanoziva uye vanofarira kubhengi yepamhepo.

Kubata mutero muTurkey

Mutero wekunyima mutero unoreva mwero wemutero unobatwa zvakananga kubva kunobva mari, senge mhindu inowanwa kubva kumaakaundi ekubhangi kana madividends kubva kumasheya. Mutero uyu unosiyana zvichienderana nenyika, rudzi rwemari inotambirwa uye dzimwe nguva mamiriro emunhu anenge achitambira (semuenzaniso kuti munhu wacho mugari wenyika here kana kuti kwete).

MuTurkey, mari yemubereko kubva kumaakaundi ekubhangi, kusanganisira madhipoziti enguva uye maakaundi emusika wemari, pamwe nemamwe marudzi emari semigove uye mari yekurenda inoiswa pamutero wekunyima. Mutero wekunyima mutero muTurkey unogona kuchinja uye unotemwa nemutemo wemutero weTurkey.

Izvo zvakakosha kuti uzive nezvezvino kunyima mutero mitengo sezvo ichigona kuchinja uye zvinoenderana nezvakasiyana zvinhu. Pamusoro pezvo, vatengesi vepasi rese vanogona kunge vari pasi pemitemo yakasiyana zvichienderana nechibvumirano chemutero chakapetwa pakati penyika yavo yekumusha neTurkey.

Kuti uwane ruzivo rwakanyanya uye rwechizvino-zvino, zvinokurudzirwa kubvunza zviri pamutemo zvinyorwa zveTurkey Tax Authority kana kubvunza chipangamazano wemitero.

Disclaimer: Ruzivo rwunopihwa mugwaro iri nderechinangwa cheruzivo chete uye haruite zano rekudyara, kurudziro kana chikumbiro chekutenga kana kutengesa chero zvigadzirwa zvemari kana masevhisi.Ruzivo rwakanyatsotsvagirwa uye rwakaunganidzwa, asi hapana vimbiso inogona kupihwa. maererano nekururama kwayo, kukwana kana kuenderana nenguva kweruzivo kunogamuchirwa. Mamiriro ehupfumi, mitemo nemirairo zvinogona kushanduka uye chero sarudzo yekudyara inofanirwa kuitwa zvichibva pane zano remunhu kubva kune vanokwanisa. Kunyange munyori kana chikuva hachigamuchire chero mhosva kune chero yakananga kana isina kunanga kurasikirwa kana kukuvadzwa kungamuka kubva mukushandiswa kweruzivo urwu.