Investorsananan da matsakaitan masu saka jari waɗanda ke sha'awar kasuwannin daidaito ta hanyar rarar kuɗi ba su da mafi kyawun lokacin su a Spain. Tabbas, bisa ga sabon bayanan da Henderson Global Devidend Index ya bayar, ragin kashi biyu ya ragu da kusan 20% a cikin kwata na biyu na wannan shekarar, ya kai yuro miliyan 5.577,4. Wannan ragin yana nuna raguwar kashi 17% akan adadinsa, kodayake kamar yadda rahoton ya nuna tare da ɗan ƙaramin darajar Yuro azaman fagen sabon yanayin.
Ofaya daga cikin dalilan da za a bayyana wannan gagarumar faduwar riba daga kamfanonin da aka jera akan kasuwar hannun jari ta Sipaniya an bayyana ta da karfi ragu a cikin rarar Banco Santander, wanda ya ragu da kashi 66%. Sauran kamfanoni a cikin Kasadar Cigaba ta ,asa, akasin haka, suka kiyaye ko suka haɓaka wannan bashin da suke ba masu hannun jarin su.
Wannan yanayin a cikin daidaito na Mutanen Espanya ya bambanta da tsohuwar kasuwar nahiyar. Tunda ya dandana a lokacin ƙarshen kashi na biyu na shekara ta shekara an kiyasta ƙaruwar 1,1% dangane da bayanan shekarar bara, kodayake la'akari da banbancin rarar da aka rarraba a wannan lokacin na shekara. Inda mafi mahimmancin bayanai shine cewa, a cikin Turai, 80% na kamfanoni sun haɓaka ko kiyaye rarar su.
Juyin Halitta
Dangane da wani yanki na mahimmancin gaske a cikin tattalin arziƙin duniya, kamar Amurka, ana lura da ci gaban biyan kuɗaɗe na kusan 5% a wannan lokacin. Dangane da abin da zai iya faruwa a cikin watanni masu zuwa tare da wannan biyan na masu hannun jari, rahoton Henderson ya bayyana sarai a ƙarshensa. Ba a banza ba, yayi hasashen cewa a lokacin rabin na biyu na shekarar bayanan zasu zama mafi muni Wannan ya zuwa yanzu. Baya ga gaskiyar cewa haɓaka cikin rarar da Turai ta yi rajista yana taimakawa wajen daidaita yanayin duniya na rarar.
Kamar yadda aka sani, rarar kuɗi wata dabara ce da masu adana Spain suka yi amfani da ita don samar da tsayayyen kuɗin shiga a cikin canji. Tare da tabbataccen tabbataccen amfanin ƙasa wanda ya kasance daga 3% zuwa 8%. Ana yin ta ƙarƙashin biyan kuɗi tare da lokuta daban-daban: na kwata-kwata, na shekara-shekara ko kuma kowace shekara, kuma ya dogara da dabarun da kamfanonin kansu ke aiwatarwa waɗanda aka lissafa akan kasuwannin daidaito.
Adadin waɗannan riba ya bayyana a gaba kuma idan aka biya su, kai tsaye suna zuwa asusun masu saka hannun jari na yanzu. Da zarar an yi rangwame ga haraji, don haka biyan bashin ba zai zama babba kamar yadda kamfanoni ke tallatawa ba, amma zai zama rarar riba ce. Hanya ce ta kiyaye liquidity, kuma ba tare da la'akari da ci gaban dabi'u a kasuwannin hada-hadar kudi ba.
Kamfanoni tare da mafi kyawun riba
Kamar yadda aka gani a cikin bayanan da Henderson ya rarraba, kamfanonin Spain sune waɗanda ke nuna amma hali a cikin 'yan shekarun nan. Har ta kai ga wasu daga cikinsu sun ga ya zama dole a yanke su, kuma a wasu lokuta na musamman don cire su daga manufofin biyansu.
Daya daga cikin abin da ya fi daukar hankali shi ne na kamfanin mai na Repsol, wanda ya ga yadda ya rage shi a watannin baya don daidaita asusun kasuwancinsa. Tafiya daga 1 zuwa 0,75 euro a kowane rabo, kuma wannan yana nufin yanke kusan 20% wanda masu hannun jarin wannan kamfanin zasu daina karɓa. Ofaya daga cikin dalilan da za su tabbatar da wannan raguwar albashin shi ne a samu a faɗuwar farashin ɗanyen mai, wanda ya tashi daga sayar da dala 19 zuwa 12 a cikin ganga a cikin watanni goma sha biyu da suka gabata a manyan kasuwannin kuɗi.
Ba lamari ne na musamman ba, amma kamar yadda muka ambata a farkon wannan labarin, Banco Santander Ya kasance ɗayan ƙimomin da suka yi tasiri sosai akan rarar rarar. Ba abin mamaki bane, sun bambanta sosai, suna faɗuwa daga Yuro 0,60 zuwa 0,20 ta kowane juzu'i. Ragewa kusa da 20%, kuma waɗanda masu hannun jarin zasu zama manyan masu asara na wannan matakin albashin.
A bangaren banki, sauran kungiyoyi sun zabi irin wannan dabarar. Kamar yadda yake a cikin takamaiman lamarin Caixabank, wanda ya saukar da shi zuwa Yuro 0,16, daga matakan Yuro 0,18. Ba tare da yanke hukunci game da ci gaba da raguwa ba, duka a cikin waɗannan kamfanonin a cikin harkar kuɗi da sauran bankunan da aka jera a kasuwar hannun jari ta Spain. A cikin kowane hali, ɗayan ɓangarorin ne tare da mafi munanan canje-canje a cikin 'yan watannin nan. Sakamakon ƙananan ribar da sakamakon kasuwancin sa ya haifar. Kuma har ma sun kunyata kasuwanni, suna rage farashin jeren su.
Kaitaccen kawar da rarar
Sauran kamfanoni, a gefe guda, sun sami sa'a mafi muni har ma sun hana wannan kuɗin daga hannun masu hannun jari. Ya kasance saboda ayyuka daban-daban, waɗanda ke da takamaiman takamaiman kamfanoni. Ofaya daga cikin shari'o'in da suka ja hankali sosai shine aiwatar da wannan dabarar a cikin kamfanin gine-gine FCC. Saboda a zahiri, sun yanke shawarar cire shi kai tsaye saboda matsalolin kuɗin kamfanin.
Companiesarin kamfanonin da aka lissafa sun yanke shawarar bin wannan yanayin tare da albashin da suka samar ga masu hannun jarin su. Indra wani ɗayan su ne, yana raguwa sosai don inganta asusun ajiyar kasuwancin sa, kodayake ba a yanke hukuncin cewa zai iya sake gwadawa a cikin shekaru masu zuwa idan haɓakar kamfanin ta gudana daidai da tsammanin ta game da sakamakon kasuwanci har zuwa farawa shekara mai zuwa.
A cikin wannan dabarun kasuwancin, mun bar mafi takamaiman lamarin Telefónica don ƙarshe. Ya yanke shawarar cire shi daga kalandar shekara-shekara, don sake bayar da shi ga duk masu saka hannun jari. Kasancewa ɗayan mafi ƙarfi daga cikin tayin na yanzu na kamfanoni waɗanda aka jera a cikin jerin zaɓin ƙasa. Ana yin ta ta hanyar biyan kuɗi biyu na shekara-shekara, ɗaya a watan Yuni da na gaba a Nuwamba. Yana ɗayan mahimman abubuwan da suka faru ga masu saka hannun jari waɗanda suka zaɓi wannan hanyar biyan kuɗi.
Hakanan akwai wasu lokuta na kamfanoni waɗanda suka rage shi, kodayake suna kaɗan kuma suna ƙarƙashin ƙananan ragi kaɗan. Kuma wannan tabbas kaɗan ne zai shafi lissafin ku na yanzu. Game da takamaiman takamaiman dabaru waɗanda aka tsara don biyan kuɗin shigar da asusun kasuwancinku ya bayar.
Menene ribar kamfanonin?
Akwai da yawa kamfanonin da ke biyan sama da riba 5% akan rabon ku na shekara-shekara. Kamfanonin makamashi ne ke jagorantar su (Endesa, Red Eléctrica, Enagás, Repsol da Gas Natural). Su ne mafi karimci don rarraba wannan kuɗin tsakanin masu hannun jari. A kai a kai kuma yawanci tare da shekara-shekara ko rabin lokaci-shekara, ya danganta da kowane hali.
Haka kuma kada mu manta da wasu waɗanda ke da fa'ida sosai don biyan wannan ra'ayi, kuma waɗanda aka wakilta Telefónica da Abertis, wanda ke bayarwa ta wannan hanyar biyan kuɗi mafi ƙarfi fiye da sauran amintattun abubuwan zaɓin Mutanen Espanya. Sama da matsakaici, an kiyasta a 5%.
A kowane hali, ya zama hanya ta musamman samar da tsayayyen kudin shiga a cikin canji. Ba tare da la'akari da yadda aka jera alamun tsaro a kasuwannin musayar su ba. Yana samar da sakamako mai kyau fiye da na samfuran banki (ajiyar kuɗi, bayanan kuɗi, asusun da aka biya, da sauransu). Sakamakon shawarar karshe ta Babban Bankin Turai (ECB) don rage farashin kuɗi, kuma wannan ya kawo shi cikin tarihi 0%, wato, idan ba ta da darajar komai.
Raba hannun jari hanya ce da ta fi ba da shawara don kare muradin ƙanana da matsakaitan masu saka jari. Ba a banza ba, damar wani liquidity ta hanyar biyanka na yau da kullun. Tare da ƙari kuma zaku iya sa ribar ta riba ta hanyar canjin farashin su. Haɗaɗɗen tsari ne wanda zaku iya tsara shi da shawarwari da yawa daga yanzu. Shin kuna cikin damar yin hakan?
Me za ku yi don tattara su?
Don karɓar biyan kuɗin gargajiyar gargajiyar, abin da kawai ake buƙata shine a yi sayayya kwana uku kafin ranar biyan. A wannan ma'anar, dole ne a tuna cewa ba haka za ta kasance ba a baya. Ya isa a buɗe wuraren a hannun jari a ranar da ta gabata. Sharuɗɗan, to, sun kasance masu tsaurara kuma kaɗan saboda samun ƙarin lokaci a cikin wuraren amintattun kuɗin da suka biya tare da wannan biyan.
Za ku sami kawai zabi daga fadi da kewayon dabi'u wanda ke gabatar da wannan halayyar ta musamman. Zuwa ga cewa dole ne ku yanke shawara mai wahala bisa la'akari da masu canzawa da kuka ɗauka don sanin wanne ne mafi fa'ida zaɓi wanda ke akwai a yanzu don abubuwan da kuke so. Kuna da zaɓi da yawa kuma idan yana tare da jerin nasihu, to mafi kyau fiye da mafi kyau.
- Ta hanyar hannun jarin da ke biyan ku riba koyaushe zaka sami tabbataccen biyan tabbaci kowace shekara, sama da 3% ribace-ribace.
- Bai kamata ku zaɓi canjin canjin ku bisa ga waɗannan takin mai magani ba, a'a sauran mahimman canje-canje masu mahimmanci don sa ribar tayi riba.
- Dole ne ku yi hankali da abin karka rage su daga yanzu, tunda dabara ce da kamfanoni ke amfani da ita don rama faduwar riba.
- Idan bayan rarraba rarar ka ga cewa kana kuma sa aikin ya ci riba, yana iya zama cikakken uzuri ga warware mukamanku a cikin jaka. Tare da duk babban ribar da zaku iya samarwa a wannan lokacin.