Babu shakka bayanin wannan taken ɗayan manufofin ɓangare ne mai kyau na ƙanana da matsakaitan masu saka jari. A lokacin da samfuran tsayayyun samfuran shiga daban suka wuce kusan 1% a cikin dawowar da suke bayarwa ga tanadi. Sakamakon farashin mai rahusa da Babban Bankin Turai (BCE) kuma wannan an aiwatar dashi tun farkon shekarun wannan shekarun. Zuwa ga cewa sha'awar tana cikin matakan mafi ƙasƙanci a cikin recentan shekarun nan kuma a kowane hali a ƙarancin tarihi.
Duk da yake a ɗaya hannun, kasuwannin daidaito ba sa cikin mafi kyawun lokacin su. Ganin rashin tabbas game da yanayin kasuwannin hada-hadar kudi kuma hakan ya haifar da zabin kasuwar hada-hadar hannayen jari ta Spain, Ibex 35, 13 ya rage daraja shekaran da ya gabata. Tare da ragi mara kyau iri ɗaya kamar yadda yake a sauran kasuwannin hannayen jari na duniya. Tare da bayyananniyar tsoro daga ɓangaren masu saka hannun jari cewa zasu iya rasa wani ɓangare na kuɗin da aka saka a cikin wannan aikin.
Idan aka fuskanci wannan yanayin na gaba ɗaya, ɗayan maƙasudin kowane ƙaramin matsakaici da mai saka jari yana zaune a cikin gaskiyar tabbacin a gyarawa da tabbaci kowace shekara. Tabbas ba dabarun sauki bane don aiwatarwa, amma zamu sauƙaƙe wannan aikin ta hanyar samfuran samfuran da suka dace da wannan buƙatar. Wato, sami aƙalla 3% na ajiyar ku don zuwa asusun binciken ku. Duk abin da ya faru a kasuwannin daidaito har ma da tsayayyun. Zai zama ɗayan hanyoyin da zaku iya amfani dasu daga yanzu.
Adana kuɗi ya dogara da farashi
Kafin gabatar muku da jerin dabaru don aiwatar da wannan shirin na musamman na saka jari, zai zama tilas a gare ku ku sani cewa wannan aikin yana da alaƙa da ƙaruwar tsadar rayuwa. A wannan ma'anar, yawan bambancin shekara-shekara na CPI a cikin watan Janairu yana da 1,0%, kashi biyu cikin goma na kasa da wanda aka yiwa rijista a watan da ya gabata, bisa ga bayanan da Cibiyar Kididdiga ta Kasa (INE) ta bayar. Inda aka nuna cewa yawan shekara-shekara na hauhawar farashi ya ragu ɗaya bisa goma, zuwa kashi 0,8%.
Duk da yake akasin haka, bambancin kowane wata na jumlar jumla a cikin wannan lokacin nazarin shine –1,3%. A gefe guda, da Haɗakar da Farashin Masu Amfani (IPCA) yana sanya matsayinsa na shekara a 1,0%, wanda yake ƙasa da goma bisa goma idan aka kwatanta da watan Disambar bara. Tare da waɗannan bayanan, ana iya cewa hauhawar farashin kayayyaki a Spain ana sarrafawa ko ƙasa da haka, dole ne a kula da shi don tsara wannan shirin saka hannun jari wanda za mu gabatar da shi daga yanzu. Tare da babban maƙasudin cewa ikon siyan ku ya kasance cikakke tare da dawowar da kuka samu ta waɗannan kayayyakin kuɗin da za mu ba da shawara.
Raba sama da 3%
Wannan zai zama hanya mafi sauki don cika wannan dabarun na musamman. Hakanan kuna da babbar fa'ida cewa ba zaku sami manyan matsaloli ba don cimma wannan burin da kuke so. Ba abin mamaki bane, galibin kamfanonin da aka lissafa waɗanda ke rarraba rarar tsakanin masu hannun jarin su sun wuce waɗannan matakan tsaka-tsaki. A wasu lokuta ma yana kusa da matakan da aka saita a 10%. Kamar yadda yake a cikin takamaiman batun tashoshin telebijin na ƙasa guda biyu, Atresmedia da Mediaset. Albashin da za ku samu komai ya faru a kasuwannin daidaito.
Duk da yake akasin haka, waɗannan fa'idodin zasu taimaka muku ƙirƙirar jakar kuɗin ajiya na tsawan shekaru masu zuwa. Tare da mafi girman aiki fiye da wanda manyan kayan banki ke bayarwa. Daga cikin abin da ya tsaya waje da ajiyayyun lokacin ajiya, bayanan kula da alƙawarin kamfanoni ko asusun masu biyan kuɗi. A kowane yanayi, da ƙyar za su ba ka wani abu sama da 1% a waɗannan lokutan daidai don dalilan da aka ambata a baya a wannan labarin. Wannan shine mafi mahimmancin dalili don zaɓar rabon gado azaman tsari don haɓaka dukiyar ku ko ta iyali, wanda shine, bayan duk, menene game dashi.
Tabbacin kuɗi
Wannan samfurin kuɗi na iya samar muku tsakanin 3% da 5% a cikin rarar kudaden da aka ajiye ta wannan tsarin adana kudin. Kudaden hannun jari masu tabbaci sune, kamar yadda sunan su ya nuna, wadanda ke bada garantin, gaba daya ko bangare, babban birnin ya saka hannun jari, gami da mafi karancin dawowar da aka riga aka kafa na wani lokaci. Amma ba tare da tazara mai karimci fiye da waɗanda aka tanada a cikin 5% ba. Hakanan ba tare da haɗari don kuɗin ku ba saboda halaye na musamman na wannan mahimman samfurin da aka tsara don saka hannun jari.
A gefe guda, idan kun zaɓi wannan dabarun saka hannun jari, ya kamata ku yi hankali sosai a cikin asusun saka hannun jari da kuka zaɓa daga waɗannan ƙayyadaddun lokacin. Saboda wani muhimmin dalili, kuma hakan shine akwai tabbacin kudaden da ba ma 1,50% dangane da ribar da ke zuwa asusun ajiyar ku. Saboda haka, ba za ku sami zaɓi ba sai dai ku zaɓi mafi zaɓi fiye da kowane ɗayan samfuran kuɗin kuɗi. Saboda ba za ku iya mantawa da cewa tayin nasu ya ragu sosai a cikin 'yan shekarun nan sakamakon ainihin yanayin kasuwannin kuɗi, duka suna da alaƙa da daidaito da tsayayyen kudin shiga.
Adadin tallatawa a 5%
Kodayake yana da ban mamaki a gare ku a wannan lokacin kuna iya biyan kuɗi a harajin banki daga cikin wadannan halaye. Amma a ƙarƙashin buƙatu na musamman na musamman kuma cewa ya kamata ku kula da su daga yanzu. Saboda a zahiri, wannan ajiyar ajiyar lokaci zai dogara ne da rarar kai tsaye na albashi ko kuɗin shiga na yau da kullun dangane da ma'aikata masu zaman kansu ta hanyar asusu na wannan ɗabi'ar a bankin da ke tallata wannan samfurin na musamman. A cikin mafi kyawun shawarwarin kuɗi, suna ba ku har zuwa 5%. Ta hanyar tsayayyen tabbataccen biya a kowace shekara.
Amma ba duka gwal bane yake walƙiya tare da ajiyar talla na 5%. Saboda suna amfani ne kawai don iyakantaccen lokaci, kusan watanni 3 ko 6. Kuma ga wani sashi a cikin tanadi kuma an taƙaita shi. Domin ba za ku iya sake biyan kuɗi masu yawa ba, amma akasin haka, kawai za su kai iyakar 10.000 ko 15.000 ga kowane mai riƙewa da ajiya. Amma aƙalla zai taimaka muku don shawo kan ragin ragin rauni mai ƙarfi wanda zaku iya samu a wannan lokacin.
Kuɗin saka hannun jari
Wani madadin da kuke da shi a halin yanzu ya wuce 3% a kowace shekara shine ta hanyar saka hannun jari daidaitaccen tushen wanda ke rarraba riba tsakanin masu shi. Ta wannan dabarar zaka iya samun kusan kashi 6% a kowace shekara. Ba tare da yin haɗari da matsayin ku ba sabili da haka zaku iya ƙirƙirar tsayayyen jakar tanadi daga yanzu. Fiye da sauran ƙididdigar fasaha a cikin wannan samfurin kuɗin. Kar ka manta saboda wannan ra'ayin na saka hannun jari na iya zama mai matukar amfani a wani lokaci a rayuwar ku a matsayina na karama da matsakaitan mai saka jari.
A gefe guda, ba za ku iya manta da hakan ba tun shekara ta 2016 Rarraba hannun jari da rarar kuɗaɗe suna da haraji iri ɗaya. Don haka yana iya zama aiki mai fa'ida sosai don sha'awar ku daga duk ra'ayoyi. Tunda bayan duk wani abu ne ƙanana da matsakaita masu saka jari ke nema koyaushe. Wato, suna da wasu fa'idodi ta hanyar biyan harajinsu daidai. Wanne ma wata hanya ce ta samun damar ajiyar ku ta riba. Kuma wannan ta wannan hanyar zai iya ba ku farin ciki fiye da ɗaya daga waɗannan takamaiman lokacin.
Manufa ta cika
Kamar yadda kuka gani, komai yana da mafita sannan kuma gaskiyar cewa zaku iya samun riba akan ajiyar ku aƙalla 3% a cikin ingantaccen kuma tabbatacciyar hanya kowace shekara. Abin duk da zaka yi shine zaɓar samfurin da yafi dacewa da bayaninka a matsayin ƙaramin matsakaici mai saka jari kuma ka more wannan amfanin idan ya ƙare. Ba abin mamaki bane, wannan shine ɗayan burinku da kukafi so a wannan lokacin wanda ba shi da ƙarfi ga kowane irin saka hannun jari.
Kamar yadda yake a takamaiman gaskiyar cewa gaskiyar cewa asusu na iya rarraba rarar kuɗi shine muhimmin abin jan hankali ga wasu mahalarta. Kodayake yana iya zama ba don wasu da yawa ba kuma inda kai da kanka zaka yanke shawara daga yanzu. Don ku sami damar riba sama da 3% a ƙarshen shekara, wanda shine sanarwa a cikin wannan labarin da nufin masu saka jari. Tare da karin shawarwari da yawa fiye da yadda kuka zata tun farko. Shin kun yarda da waɗannan hanyoyin na asali? Ba abin mamaki bane, wannan shine ɗayan burinku da kukafi so a wannan lokacin wanda ba shi da ƙarfi ga kowane irin saka hannun jari. Kuma wanene yakamata a gabatar da dukkan nau'ikan dabarun ma'amala da kuɗi.