Kasuwar hannun jari ta Sipaniya ta sayi jimillar Euro miliyan 42.011 a kasuwannin hada-hada a watan Satumba, wanda ke wakiltar kashi 4,6% fiye da na lokacin da ya gabata. A zangon farko, yawan kwangila ya fadi da kashi 26,1%. Inda adadin tattaunawar ya kasance miliyan 2,8, 6,8% ƙasa da watan da ya gabata da kuma 27,9% ƙasa da na watan Yunin 2018. Amma abin da ƙanana da matsakaitan masu saka jari ya kamata su bayyana sosai shi ne cewa ba sa buƙatar saka hannun jari a kasuwar hannun jari a kowane lokaci na shekara. Idan ba haka ba, akasin haka, zasu iya zaɓar ruwa a cikin matsayin su.
Rarraba hannun jari a cikin kasuwar hannayen jari ya ƙunshi jerin fa'idodi da rashin amfani waɗanda yakamata a bincika don sanin menene wannan zai iya kawo mana rahoto. madadin a cikin bangaren saka hannun jari. Saboda a zahiri, babu wani nauyi akan kananan da matsakaitan masu saka jari don kasancewa a cikin ayyukansu akan kasuwar hannayen jari. Bugu da kari, akwai wasu zaɓuɓɓuka waɗanda zasu iya ba da dawowar lokaci-lokaci a cikin lokutan mafi rashin kwanciyar hankali a kasuwannin daidaito. Misali, ta hanyar kayayyakin kudi da bankuna ke bayarwa. Daga cikin su, ajiyar kuɗi na ƙayyadaddun lokaci, bayanan tallafi ko asusun masu biyan kuɗi. Tare da ƙimar riba, wanda a mafi kyawun shari'ar zai iya kaiwa 2%.
A gefe guda, gaskiyar rashin sanya kanka kan kasuwar hannayen jari na iya taimaka muku don kar ku sami abin tsoro daga yanzu. Musamman, idan halayyar kasuwannin kuɗi ba gaskiya bane kamar yadda ake tsammani ta masu saka hannun jari. Wani lokaci janyewa a kan lokaci wata nasara ce da za a iya yabawa a matsayin babbar nasara a cikin ƙirar dabarun saka hannun jari. Ko da neman samfuran kwalliya waɗanda ke ba ku damar ƙirƙirar ribar jari tare da faɗuwar kasuwannin daidaito. Inda maƙasudin fifiko shine adana tanadi. Sama da sauran azuzuwan dabarun sun fi tsananta daga duk ra'ayoyi.
Menene saka kudi ke kawowa?
Liquidity yana nufin cewa ba kwa cikin kowace irin saka hannun jari, a cikin tsayayyun kudaden shiga da kasuwannin daidaito. Kodayake a cikin samfuran banki waɗanda basu dogara da hawa da sauka a kasuwannin kuɗi ba. Wannan tsarin ne don samun ribar tanadin da zaku iya amfani da shi a lokutan shekara. Da kyau tare da dogon lokacin dorewa da kuma akan lokaci a duk ayyukanku. Zuwa ga cewa zai iya zama wata hanya mafi fa'ida don kare bukatun ku, kamar yadda zaku iya gani nan gaba. Inda ƙarshen rana ya kasance game da rashin asarar kuɗi a cikin asusun binciken asusunku.
Duk da yake akasin haka, kasancewa cikin ruwa yana nuna wani tsoro da zaku iya rasa cikin ayyukan da aka aiwatar daga yanzu. Wani abu wanda yake cikin ayyukan duk ƙanana da matsakaitan masu saka jari. Domin, a gaskiya, ba za ku iya mantawa da kowace hanya ba cewa jakar yana iya haifar maka da asara mai yawa daga yanzu. Tabbas fiye da kowane samfurin ko tsarin tanadi da aka tsara don ƙirƙirar musayar tanadi na ƙari ko ƙasa don matsakaici ko dogon lokaci. Kar ka manta game da wannan yanayin don sanin ko ya dace da ku ko kuma kada ku kasance cikin ruwa a wasu lokuta a rayuwar ku.
Fa'idodin waɗannan matsayi
Liquidity jiha ce da zata iya samar muku da fa'idodi da yawa daban-daban a gare ku, kamar yadda zai bayyana tun daga yanzu. Ofaya daga cikin halayenta mafi dacewa ya samo asali ne daga gaskiyar cewa kudinku zasu fi aminci, kodayake suna iya sanya shi riba kamar yadda kuke so daga farko. Duk da yake a gefe guda, yakamata ku kuma tantance daga yanzu cewa ikon mallakar ruwa yana haifar da matsayi mai ra'ayin mazan jiya sosai inda batun tsaro ke kan sauran jerin abubuwan. Inda mafi mahimmanci shine fita daga al'amuran cikin kasuwannin daidaito rayayye.
Wani yanayin da yakamata kuyi la'akari da shi daga waɗannan lokutan daidai shine gaskiyar cewa kuɗin ruwa a cikin ayyukan da aka samu daga kasuwannin daidaito ba ya ba da gudummawa kwanciyar hankali a cikin ma'ajin asusun ajiyar ku. Idan ba haka ba, akasin haka, hanya ce tabbatacciya don kaucewa haɗarin matsayin ku na tattalin arziki yayin fuskantar mawuyacin hali a cikin duniyar rikicewar rayuwa koyaushe. Saboda dalilan da kai kanka kake ganin ya zama dole kuma a kowane yanayi zai sha bamban. Kamar yadda wani muhimmin bangare na al'ummar Sifen ke yi, kuma me yasa baza a fada ba, a duk duniya.
Neman tanadi sama da duka
Ofaya daga cikin tasirin zaɓar ruwa a kasuwannin daidaito ya samo asali ne daga gaskiyar cewa zaku iya zaɓar samfuran daban-daban ko tsari don karfafa tanadi na mutum. Tabbas, idan wannan shine burin ku na yanzu, babu shakka za ku sami zaɓi daban-daban don tabbatar da shi. Misali, kwangilar ajiyar ajiyar ajiyar ajiyar ajiyar ajiyar ajiyar ajiyar ajiyar kusan 1%. Tsari ne mai ra'ayin mazan jiya don ƙirƙirar musayar tanadi a matsakaici da kuma dogon lokaci
Wani zaɓi wanda aka gabatar dashi ga masu adanawa shine harajin da aka alakanta da daidaiton kaya. Mafi ƙarancin riba mai tabbaci an tabbatar. Tare da yiwuwar haɓaka shi idan haƙƙarfan saka hannun jari ya cika a ƙarshen kuma a cikin wannan yanayin za'a iya samun kusanci kusan 5%. Kodayake tare da nauyin cewa lokacin dorewar waɗannan samfuran kuɗi ya fi karko. Tsakanin watanni 24 zuwa 36 kusan kuma ba tare da yiwuwar soke shi a gaba ba. A matsayin wata dabara don adana kuɗi a lokutan mafi rashin kwanciyar hankali a kasuwannin kuɗi.
Rashin dacewar kudi
Kasancewa cikin ruwa, akasin haka, yana haifar da jerin manyan matsaloli ga mai saka jari. Kuma ɗayan mafi mahimmanci shine gaskiyar cewa ba ta ba ka damar amfani da damar kasuwancin da kasuwannin kuɗi ke bayarwa ba. Duk da yake a ɗaya hannun, yana hana su samun babban ribar babban jari a cikin ɗan gajeren lokaci. Saboda saye da sayar da hannayen jari a kasuwar hannayen jari bashi da wani lokaci na dindindin. Amma akasin haka, mai saka hannun jari ne da kansa ya daidaita shi bisa bukatun kansa. Kuma tabbas wannan shine haɓakar kasuwancin daidaito kansu.
Rashin saka hannun jari a kasuwar hannayen jari shima yana nufin cewa zaku iya canza jakar ku daga lokaci zuwa lokaci don daidaita yanayin kasuwancin kuɗi. Tare da zaɓi na zaɓi don biyan kuɗin rago wanda shine lada ne ga mai hannun jari tare da ribar da take tsakanin 3% da 8% kusan. Duk abin da ya faru a kasuwannin kuɗi kuma a cikin kowane yanayi za ku karɓi kowace shekara akan asusu. Inda mafi yawan lambobin tsaro da aka jera a cikin jerin zaɓaɓɓun lambobin Ispaniya suna da wannan tsayayyen tabbataccen biya.
Zaɓin fa'ida ta musamman
A wannan lokacin, daidaiton jari shine saka hannun jari wanda zaku iya samarda mafi girma akan kuɗi. Duk da cewa komai ya nuna cewa za'a iya samun tsaiko a sakamakon. Bayan ci gaba da ƙaruwa wanda ya faru tun shekara ta 2013 kuma wannan na iya samo asali daga wasu gyaran wasu mahaɗan. Daga wannan ra'ayi, samun hannun jari a kasuwar hannun jari a wannan lokacin na iya zama fa'ida don kare kanta daga wannan mummunan yanayin da ake tsammani na fewan shekaru masu zuwa. Inda babu wata shakka cewa za mu iya asarar kuɗi mai yawa a cikin ayyukan buɗewa.
A gefe guda, rashin kuɗi yana amfanar da mu ta yadda za mu iya zama a faɗake kuma mu shiga kasuwanni duk lokacin da muke so. Musamman idan akwai wasu sigina na siyarwa a cikin amintattun. Domin ta wannan hanyar, zamu sami bukatar ruwa don shiga kasuwannin daidaito. Wani abu wanda tabbas baya faruwa lokacin da aka saka mana hannun jari tunda kawai mafita shine kawar da wurare masu buɗewa. Kuma wannan motsi bazai yuwu a tsara shi cikin mafi kyawun yanayi ba, har ma daga asarar saka hannun jari.
Dangane da Nazarin Zuba Jarurruka na Duniya na Schroders, ya bayyana karara cewa masu saka jari na Spain, gaba ɗaya, sun fi takwarorinsu na Turai buri. A Turai, APR da ake tsammani na shekaru biyar masu zuwa shine 9%, kodayake matsakaicin duniya ya tashi zuwa 10,7%. Inda, ƙimar, wanda zai ci gaba da kasancewa a 0% ko mara kyau, aƙalla har zuwa farkon rabin 2020, ba ya wakiltar birki kan babban tsammanin da masu saka jari a Spain ke da shi, wanda ke ci gaba da haɓaka. A cikin 2018, tsinkaya suna nuna APR da ake tsammani a 9,1%. Inda babu wata shakka cewa zamu iya asarar kuɗi mai yawa a cikin ayyukan buɗewa kuma wannan wani yanki ne don bincika.