Rarraba daga kasuwar hannun jari ta Sifen a matsayin zaɓin saka jari

Ofaya daga cikin dabarun da mafi yawan masu saka hannun jari ke farawa shine ta hanyar kamfanonin da aka lissafa akan lambobin Spanish waɗanda ke ba masu hannun jarin su rarraba ladar don ribar su. An san su da rabon gado, kuma hakan An tsara su azaman hanyar samun tsayayyen kudin shiga tsakanin masu canji. Yana da sauki, amma a lokaci guda mai rikitarwa kamar yadda zaku bincika idan wannan shine bayanin ku a matsayin mai saka jari.

Kyakkyawan ɓangare na kamfanonin ƙasa waɗanda aka lissafa akan kasuwar ci gaba ta ƙasa suna kula da rarraba riba tsakanin duk masu ceton waɗanda suka ɗauki matsayi a hannun jarin su. Suna gabatar da samfuran shekara daban daban, tunda Sun kasance daga ƙananan 1%, zuwa ga mafi karimci wanda ke haɓaka iyakar su kusan 8%. Tare da dukkanin rukuni na kamfanonin da ke kula da rarraba wannan albashin tsakanin masu saka hannun jari waɗanda suka sayi hannun jarin su.

Amma yanzu, yana da kyau a sayi jerin tsaro don kawai yana rarraba rarar tsakanin masu hannun jarin? Amsar zata dogara ne da bayanan mai saka hannun jari da kuke da shi. Ba abin mamaki bane, mafi ra'ayin mazan jiya sune mafi kusantar amfani da wannan dabarar a cikin jarinsu. Ko da na iya taimakawa kare ku daga asarar da ke gaba. Wannan haka ne, saboda a halin yanzu kuna karɓar riba ta kusan 5% a kowace shekara. Kuma cewa a kowane hali, yana iya daidaita (ko daidaita) ribar da aka samu daga tsarin aikin.

Wani bangare mai dacewa wanda yakamata kuyi la'akari dashi shine ragin da suka ba ku an cire shi kai tsaye daga farashin hannun jari. Bai kyauta ba sam. Kodayake yawanci yakan dawo dashi bayan sessionsan zaman zaman ciniki, kodayake wannan tsari bashi da tabbas a cikin kasuwancin kasuwancin. A kowane hali, abin da zai samar maka shi ne cewa kana da ƙarin kuɗi a cikin asusun bincikenka, wanda shine inda waɗannan biyan kuɗin da kamfanonin da aka lissafa a cikin lambobin za su tafi. Kuma har ma da sake saka shi, idan wannan shine burinku.

Halayen kamfanonin da ke rarraba riba

Ba dukansu ke yin wannan rarraba ribar da suka samu ba, amma waɗanda aka ƙarfafa ne kawai, kuma suna da mahimmin matsayi a cikin ma'aunin hannun jari na ƙasa. Zai zama muku sauƙi ku san su, idan har dabarun ku don samun riba mai riba ta hanyar wannan samfurin. Kuma wannan ba kamar sauran kamfanoni ba, suna yin la'akari da jerin halaye waɗanda suke koyaushe, kuma wannan yana sanya su bayyane sosai ga masu siye.

• Kamfanoni ne manya-manya, da cewa suna da sanannen sanannen takamaiman nauyi a kasuwar hannun jari ta Sipaniya. Ana musayar tsaro da yawa a cikin zaman ciniki ɗaya, kuma a kowane hali sama da sauran amincin.
• Sun fito ne daga kusan dukkanin sassan kasuwar hannun jari, kusan ba tare da wariya ba: bankuna, inshora, kamfanonin gine-gine, kamfanonin sadarwa, kamfanonin makamashi, kayayyakin masarufi, da dai sauransu.
• Suna gabatar da samfuran kasuwanci masu karko sosai, waɗanda aka ci gaba cikin nasara a kasuwanni tsawon shekaru, sabili da haka suna da tare da amincewar duk masu saka jari, na hukumomi da kuma na talla.
• Lokaci-lokaci na rabe-raben ba iri ɗaya bane, tunda an haɓaka su da babban yawa: kowace shekara, rabin shekara ko kuma kwata-kwata, ya danganta da manufofin biyansu, kuma waɗanda masu ceton za su iya zaɓa bisa ga wannan gudummawar.
• Duk launin shuɗi a kasuwar hannun jari ta Sipaniya, wato, mafi wakilci, sanya waɗannan kuɗin suyi tasiri, ba tare da wariya ba, tare da kawai bambancin adadinsa.
• Kamfanonin da ke yin waɗannan kuɗin akan asusu Yawancin lokaci sune babban abin lura ga manyan manajan asusun saka hannun jari, wanda yawanci ya haɗa su a cikin kundin tsarin aikin su.
• Suna da ƙima sosai don jawo hankalin kuɗin ƙananan da matsakaitan masu saka jari neman lada mai tabbaci don ajiyar su, kuma galibi akan tsari.
• Bayanan ku suna motsawa a ƙarƙashin mafi girman kwanciyar hankali a cikin farashin su fiye da sauran abubuwan tsaro, kuma ba tare da nuna wata damuwa a cikinsu ba. Rashin dacewa sosai ga masu hasashe.

Strateananan dabarun masu saka jari

Tare da wannan rukunin kamfanonin, yan kasuwa yawanci suna da dabaru da yawa don watsa dawo da dukiyoyin su. Ba koyaushe suke zama iri ɗaya ba, kuma zai dogara sosai da yanayin ku na mai saka jari. Ofayan da ya fi yaduwa ya dogara da ɗaukar matsayi (saya) a cikin waɗannan kamfanoni a cikin makonnin kafin rarraba wannan kuɗin.

A gefe guda, sun tabbatar maka cewa zaka sami rarar, kuma a wani bangaren, zaku yi amfani da babban kwanciyar hankali a cikin faɗin farashin farashin su. Wannan saboda ana sanya sayayya akai-akai akan tallace-tallace a cikin makonni kafin a ba su.

Wata dabarar da masu tanadi ke amfani da ita ta ƙunshi ƙirƙirar asusun ajiya na fewan shekaru masu zuwa, ba tare da la'akari da abin da gudummawar su ke nunawa ba. Ta wannan hanyar, suna amintar da ƙaramar jari kowace shekara. Kuma wannan idan aka yi la'akari da yanayin manyan kayayyakin banki na yau da kullun (ajiyar kuɗi, bayanan kuɗi, lamuni, da sauransu), ita ce mahimmin tushen ribar da suke samu a wannan lokacin.

Kafaffen samfuran samun kudin shiga, kuma sakamakon rahusar kuɗi daga Babban Bankin Turai (ECB), ba su da riba kamar haka. Ba a banza ba, ayyukanta yana faruwa ɗayan mafi munin lokuta a cikin recentan shekarun nan, ƙasa da shingen 1%. Duk da yake ta hanyar rarar riba ta 5% ana iya samun sauƙin.

Dangane da wannan yanayin da aka gabatar, akwai masu saka hannun jari na gargajiya waɗanda, waɗanda aka saka hannun jari a cikin kayayyakin banki da aka shirya don ajiyar su, sun juya sha'awarsu ga kamfanonin da ke haɓaka waɗannan kuɗin. Kuma cewa har ma kuna iya sa ayyukan su kasance masu fa'ida ta hanyar lissafin sa a kasuwannin kuɗi, matuƙar juyin halitta ya kasance tare da ku.

Nawa ne waɗannan kamfanonin ke rarrabawa?

Shekarar da aka fara ta zo tare da burodi a ƙarƙashin hannun masu hannun jari, tunda kamfanoni sun ƙara yawan masu hannun jarin da kusan 2%. Menene ƙari, Da yawa daga cikin membobin na Ibex-35 za su bayar da kason riba fiye da 5% cikin watanni goma sha biyu masu zuwa: Enagás, Telefónica, Iberdrola, Red Eléctrica, EBME da Repsol, daga cikin mahimman abubuwa.

Bangaren wutar lantarki zai ci gaba da kasancewa daya daga cikin masu hannu da shuni tare da masu hannun jari a shekarar 2016. Abinda ya kawo illa ga harkar banki, wanda ya ga wannan raguwar albashin a 'yan shekarun nan, sakamakon gyare-gyaren da suka yi domin tsaftace bayanin samun kudin shiga.

Idan niyyar ku shine zaɓi don wannan samfurin saka hannun jari, ba za a rasa tayi ba a cikin watanni masu zuwa, tabbas. Kalanda ta cike da shawarwari tare da waɗannan halaye, kuma wannan zai motsa tare da mafi ƙarancin dawowa daga 1%, kuma tare da matsakaicin ƙimar har zuwa 8%. Ko da Ba lallai bane ka takaita ga kamfanonin ƙasa, amma zaka iya zuwa wajan kan iyakokin mu don samun dama a cikin wannan rukunin hannun jari, tare da dawo da karimci daidai, musamman ma waɗanda suka fito daga tsohuwar jigogin nahiyoyi.

Koyaya, idan kuna son zaɓar tsarin dabarun saka hannun jari wanda akwai fa'idodi a ciki, dole ne koyaushe ku tuna da sabon harajin da aka fara amfani da shi a Spain tun shekara ta 2015. Kuma tabbas hakan ba shi da fa'ida sosai ga bukatunku, kamar yadda aka cire keɓance na farkon Yuro 1.500 da aka tara a cikin riba.

Wannan a aikace yana nufin cewa a cikin Bayanin Kuɗin Kuɗi na gaba dole ne ku biya daga euro na farko da kuka shigar don wannan ra'ayi. Daga wannan hangen nesan, ya kamata ka tantance ko kana da sha'awar hayar su ko a'a, kuma hukuncin da zai yanke ya dogara da wasu masu canjin da ka shigar a cikin takaddar haraji: cirewa, samun kuɗin shiga, daidaito, da sauransu.

Wasu matakai don tantance aikin ku

Shawara ta ƙarshe akan ko yakamata kuyi rijista da wannan rukunin tsaro zai dace da ku kawai, ba tare da wani ba. Da farko, dole ne ku binciki bayanan ku a matsayin mai adanawa, yanayin da kuke son bawa hannun jarin ku, kuma musamman musamman kalmar da kake niyya: ƙarami, matsakaici ko babba. Kuma bisa ga waɗannan masu canjin, yanke shawara kan mafi kyawun samfurin saka hannun jari. Kuma yana iya zama wannan. Kodayake koyaushe la'akari da abubuwan la'akari

1. Idan kai mai saka jari ne tare da gajeren ka’idoji na dindindin, zai fi kyau ka daina waɗannan ayyukan, tunda don samun fa'ida dole ne sai sun kasance a cikin jakar ku har tsawon shekaru.
2. Idan kun tabbatar, da zarar an rarraba ribar, cewa hannun jarin ya koma tsohon farashin sa, lokaci na iya zuwa muku don rufe matsayin, ɗaukar kuɗin riba zuwa asusun binciken ku.
3. Ta hanyar wannan dabarun na musamman zaka iya samun tsayayyen kudin shiga duk shekara, wannan yana taimakawa waɗanda kuke da su koyaushe a kowane wata, kuma hakan na iya fifita ku har ma don ba ku ɗan farin ciki.
4. Idan kun zaɓi sassauƙan ragowa da wasu kamfanoni ke bayarwa, ku ma kuna da damar sake saka wannan kudin shiga a cikin kamfanin, ta hanyar sabbin ayyuka. Da wanne, dawowar jarin ku zai kasance mafi girma.
5. Mafi yawan masu saka jari, har ma Zasu iya amfani da karuwar farashin su a cikin makonni kafin rarraba rarar, rufe mukamansu tare da samun babban jari, kodayake a hankalce ba tare da karɓar wannan ladan ba.
6. Tsammani na ci gaban zai tafi ba tare da la'akari da bayar da wannan ladan ba, kuma wataƙila kamfanin da ba ya amfani da wannan manufar biyan kuɗin, yana cikin kyakkyawan yanayi don zuwa mafi girman ƙididdiga a cikin ambaton, sabili da haka, mafi fa'ida ga bukatunku.
7. Kuma yanzu kawai kuna buƙatar zaɓar daga tayin mai faɗi da yawa wanda kamfanoni ke bayarwa waɗanda aka jera akan kasuwannin daidaito, na ƙasa da na ƙasashen waje. Tare da shawarwari na kowane nau'i, dangane da ayyukansu da lokacin biyan su.