Kamfanin BME, ta hanyar kasuwar musayar jari ta Bilbao, ya yarda da kasuwanci gobe sabon batun samar da jarin da Gwamnatin Basque ta bullo da shi a kan kudin Tarayyar Turai miliyan 600. Theididdigar suna da ajali na shekaru 10 (ƙarshen balagarsu an tsara su ne a watan Afrilu 30, 2029) kuma za su sami kuɗin shekara-shekara na 1,125%. Wannan fitowar wani bangare ne na izini daga Gwamnatin Basque ta ranar 5 ga Fabrairu don aiwatar da ayyukan kudi na dogon lokaci na matsakaicin adadin Euro miliyan 1.260,53.
Norbolsa, BBVA da Crédit Agricole sun kasance a matsayin Masu Gudanar da Duniya kuma tare da HSBC, Santander, Banco Sabadell da Caixabank sun kasance Bookungiyar Hadin Gwiwa a cikin sanya batun. A gefe guda, ya kamata a lura cewa a cikin wannan fitowar, Gwamnatin Basque tana da daraja a cikin rukunin da aka lasafta shi kamar A3, wato, daidaitaccen hangen nesa, na Moody's; A +, kyakkyawan hangen nesa, ta S&P; da A - kwanciyar hankali, ta Fitch. Batun ya sami matsayin kansa na A3 / A- na Moody's da Fitch, bi da bi.
A wannan yanayin, shine batun na biyu na ɗorewar alaƙa da Gwamnatin Basque ta ƙaddamar a cikin 'yan shekarun nan kuma wanda aka shigar da shi ciniki ta chaasashen Stockasashen Spanishasashe na Spain (BME). Inda, fitarwa yana faruwa a cikin tsarin Manufofin Majalisar Dinkin Duniya Mai Dorewa (ODS) kuma ya haɗa da ayyukan ilimi, kiwon lafiya, ci gaban tattalin arziki, ƙirƙirar aiki ko makamashi mai sabuntawa, tsakanin wasu daga cikin waɗanda suka dace a fagen haɗin gwiwa.
Basque shaidu: ribarsu
Wannan sabon samfurin daga ƙayyadadden yanki na samun kuɗin shiga shekara shekara akan tanadi 1,125%. Ba dawowa ne mai matukar wahala ga masu karamin karfi da matsakaita ba, kodayake yana samarda tsayayyen kudadi mai tabbaci kowace shekara akan manyan kayayyakin banki. Daga cikin su, ajiyar ajali na takamaiman lokaci, bayanan wasikar banki da kowane irin bashin jama'a. Daidai a karshen, adadin da ke nuna sabbin gwanjo ya nuna cewa ajiyar shekaru 5 tana bayar da kimanin shekara 0,175%, a bayyane yake kasan wannan sabon kayan hada-hadar kudi.
Ba samfurin riba bane a halin yanzu, amma hakane an yi niyya ne don bayanan masu saka jari masu ra'ayin mazan jiya. Inda suka fi so su adana ajiyar su fiye da sauran maganganun da ke haifar da tashin hankali. Koyaya, ɗayan fa'idodin da suka fi dacewa shine cewa ana iya biyan su daga mai araha mai yawa ga duk gidaje. Sabanin siye da siyar hannun jari akan kasuwar hannun jari wanda ke buƙatar mafi ƙarancin kuɗin kuɗi. Kasancewa ɗayan shahararrun bambance-bambance tare da tsarin samfurin wanda ya sha bamban.
Sauran tsari: Jarin Gwamnati
Matsakaitan tsaro ne na ƙayyadaddun lokutan shiga waɗanda ke wakiltar takamaiman shigarwar littafi. An ƙirƙira su a cikin Yuni 1987, lokacin da Kasuwar Bashi ta Jama'a a Bayani suka fara aiki. Game da takardar kudi, gwanjo ne ke bayar da su. Mafi qarancin adadin kowace bukata shine daga Yuro 1.000, kuma buƙatun don ƙarin adadin dole ne ya ninka na Euro 1.000. Game da tsarinta na gaba ɗaya, waɗannan lambobin tsaro ne waɗanda aka bayar a ragi don haka farashin abin da suka samu ya yi ƙasa da adadin da mai saka hannun jari zai karɓa a lokacin fansa. Bambanci tsakanin fansar ƙimar Biliyan (Yuro 1.000) da farashin sayanta zai zama fa'ida ko ribar da aka samu daga Dokar Baitul Malin.
A gefe guda, yana da mahimmanci a ambaci cewa shaidu da wajibai na gwamnati lambobi ne da Baitul malin ke bayarwa na dogon lokaci. Duk samfuran kuɗi iri ɗaya ne a duk halayen su banda na lokaci, wanda a cikin sha'anin jeri tsakanin 2 da 5 shekaru, yayin da yake cikin wajibai ya fi shekaru 5 girma. Ana ba da su ne ta hanyar gwanjon gasa kuma ƙaramar ƙimar da za a iya nema a cikin gwanjon ita ce Yuro 1.000, kuma buƙatun neman ƙarin kuɗi dole ne su ninka ninkin adadin da aka ambata.
Tare da sharuddan shekara 3 da 5
A halin yanzu baitul din yana ba da lamuni na shekaru 3 da 5, yayin da wajibai suna da tsawon lokaci na dindindin, wanda shine 10, 15 da 30 shekaru. A gefe guda kuma, cibiyoyin hada-hadar kudi gaba daya sun kafa kwamitocin siyar da lambobin tsaro a cikin farashin su, wanda ya kasance tsakanin 0,10% da 1,00% na adadin adadin ma'amala da kuma wanda za'a yiwa ragi daga farashin sayarwa. Ka tuna cewa ana iya siyar da duk ma'aunin baitul kafin balaga akan kasuwar sakandare. Don wannan, ya isa a ba da umarnin sayarwa ga ma'aikatar kuɗi inda aka samo su.
Game da wannan bangare, dole ne a jaddada cewa lokacin da mai saka hannun jari ya yanke shawarar sayar da amincinsa a cikin kasuwar ta biyu, zai iya shan asara kan jarin da ya sanya da farko, wanda hakan ba ta faruwa. idan an tabbatar da tsaro to zuwa balaga. Ofaya daga cikin abubuwan jan hankalin shi shine cewa an tattara dawowar a farkon kwangilar ta kuma ba zai zama dole a jira balagarta ba don samun ruwa mai yawa a cikin asusun ajiyar, kamar yadda yake faruwa, misali, a cikin ajali na ajiya na banki. A kowane hali, samfur ne mai cikakken aminci wanda ke da cikakken garantin jihar.
Menene alaƙar ƙasa?
Sun kasance sanannen samfurin shekaru biyu da suka gabata, amma roko ya ragu sosai. Su ne alaƙar da ake bayarwa daga ƙananan al'ummomin ƙasarmu masu cin gashin kansu. Wato, tare da watsa shirye-shirye a cikin Castilla y León, Tsibirin Balearic, Madrid, Basasar Basque ko Galicia. Tare da halayyar da kowane ɗayansu ke bayarwa daban. Motsawa a cikin gefen gefen da yake tafiya daga 1% zuwa 6% gwargwadon watsa sa. Tare da sassauƙan sharuɗɗa na dindindin tsakanin dukkan su kuma wannan yana motsawa tsakanin watanni 12 zuwa 48, don su sami damar daidaitawa da duk bayanan martaba na ƙanana da matsakaitan masu saka jari.
Duk da yake a gefe guda, waɗanda aka ambata a matsayin haɗin kan ƙasa ba koyaushe ana samunsu a cikin tayin da aka samar ba. daga al'ummomi masu cin gashin kansu. Idan ba haka ba, akasin haka, kasancewar sa a wannan lokacin yafi karanci saboda matsalolin kudi daga bangaren masu cin gashin kansu. Har zuwa cewa yana da matukar wahalar gano su a wannan daidai lokacin. Wannan yanayin gaba daya ne wanda yake ta maimaitawa tun bayan rikicin tattalin arziki da ya gabata. Tare da takamaiman takamaiman shawarwari waɗanda suka fito a cikin tayin a cikin wannan rukunin samfuran.
Ididdiga daban-daban a cikin fa'ida
Gaskiyar cewa kuɗin ruwa da aka bayar ta hanyar haɗin kan ƙasa ya bambanta sosai saboda haɗarin da kowannensu ke ɗauka. Inda kamar yadda ribar ta fi yawa su ma sun fi yawa. Duk da yake a gefe guda, waɗanda ke haifar da ƙaramar sha'awa, kusan 1% ko 2%, waɗancan ne bayar da karin tsaro kuma haɗarin ya ragu musamman. Duk wannan ya dogara ne da alamun da hukumomin ƙididdiga suka bayar. A wannan ma'anar, kuma don ba da misali mai amfani, bayar da shaidu a cikin Catalonia yana samar da riba mafi girma saboda haɗarinsa daidai yake mafi girma. Tare da takamaiman takamaiman shawarwari waɗanda suka fito a cikin tayin a cikin wannan rukunin samfuran da aka yi niyya don saka hannun jari da masu zaman kansu.
Wadannan halaye sune masu hada-hada ta wannan kayan da nufin tanadi kuma a lokaci guda yana bawa masu karamin karfi da matsakaita damar zabar abin da suke so. Inda dole ne ku haɗu da fa'ida tare da haɗari a cikin alaƙar kishin ƙasa. Don cimma daidaitaccen lissafi dangane da duk waɗannan masu canjin. Tare da maganganun da suke tare da adadi daban-daban don kwangila. Fiye da sauran ƙididdigar fasaha kuma wataƙila ma daga ra'ayin mahimman abubuwansa.
Fa'idodin waɗannan samfuran
Yakamata a nuna fa'idodin da aka samar ta hanyar yin kwangilar waɗannan samfuran tanadi. Daga cikin waɗanda suka fito da gudummawar masu zuwa waɗanda muke nunawa a ƙasa:
- Suna bayar da daidaitaccen riba kodayake yanada kadan domin bukatun masu rike dashi.
- Zaka iya zaɓar tsakanin daban-daban model kwangila dangane da ainihin bukatun masu amfani da banki.
- Ribar ku ana cajin shi a farkon na tsarinta kuma ba a balaga ba don samar da babban jan hankali don biyan kuɗi.
- An yi su da lokaci daban-daban na dindindin sabili da haka samarda sassauci don haya shi kowane lokaci.
- Su samfura ne waɗanda suke hukuma ta amince dashi kuma ba masu zaman kansu bane kuma wannan a cikin wannan ma'anar na iya samar da tsaro mafi girma akan ribar da shaidu suka samar.
- Samfuri ne abin da aka samu na tsayayyen kudin shiga kuma wannan yana nuna cewa ribarsu ta fi yawa iyaka kuma a cikin lamura da yawa a ƙananan matakan, kamar yadda yake faruwa a wannan lokacin.
- Ba samfurin kuɗi bane mai kama da juna, amma akasin haka akwai nau'ikan daban-daban waɗanda za'a iya ƙulla yarjejeniya da su: sharuɗɗan jihohi, shaidu na ƙasa, da dai sauransu.
- Kuma a ƙarshe, babu shakka cewa wani madadin ne wanda zaku iya zaɓar don sa ribar ku ta zama mai fa'ida.