Kuchuluka kwa chidwi cha ndalama: zifukwa zake ndi ziti?

ndalama zogulitsa Chimodzi mwazinthu zopangidwa ndi nyenyezi chaka chatha 2017 chinali ndalama zopangira ndalama. Mwa mawonekedwe aliwonse, kuchokera kuzinthu zosasunthika mpaka zosintha. Popanda kuiwala zosinthazo kapena zosakanikirana. Pali zifukwa zambiri zofotokozera zizolowezi zatsopanozi zaopanga ang'onoang'ono komanso apakatikati aku Spain. Kudzera m'nkhaniyi, mudzakhala ndi makiyi ofunikira kuti mumvetsetse kusintha kwamachitidwe mu ndalama padziko lapansi.

Ngati pangakhale kufotokozera koyamba pankhaniyi pazachuma, ndichifukwa cha kusowa kwa ntchito pazogulitsa zazikulu kubanki zomwe zimapangidwira ndalama. Pakati pawo, nthawi, maakaunti azokolola zambiri, zolembera kapena ngongole zapagulu zamitundu yosiyanasiyana. Ndi kubweza pazosunga zomwe sizipitilira milingo 1%. Ngakhale zochepa mwa ena a iwo. Monga momwe zimachitikira ndi mtengo wotsika mtengo wa ndalama. Cholimbikitsidwa ndi European Central Bank (ECB). Ndipo yaika pa 0%.

Gawo lalikulu la likulu lazosungira izi lidasinthidwa chaka chatha kupita ku ndalama zachuma. Kupyolera mu kayendedwe kowopsa komwe kwadzetsa njira zatsopano zogulira ndalama. Chilichonse chikuwoneka kuti mchaka chatsopano chomwe tayambachi, zipitilizabe kutsatira zomwezo. Ngakhale kulimbitsa ndalama zogulitsa zogwirizana ndi misika yayikulu yamasheya. Osati dziko lokhalo, komanso ochokera kumayiko ena padziko lapansi.

Kusonkhanitsa ndalama mu Disembala

kudzikundikira Imodzi mwama data omaliza omwe 2016 sinachoke ndikuti mwezi wa Disembala wakhala chaka chachiwiri chabwino pamakampani ogulitsana, malinga ndi zomwe zimaperekedwa ndi Imantia Capital. Makamaka, yawonjezeka osachepera 4.360 miliyoni. Chiwerengerochi chikuwonetsa chidwi chomwe chikupita patsogolo pamapulogalamu onse azachuma. Kuchokera mwaukali kwambiri pamsika, mpaka pang'ono. Chifukwa cha ndalama zambiri zogulitsa zomwe zilipo pakadali pano.

Kukula kwachuma ichi m'miyezi yaposachedwa chikuwonekera. Mwanjira imeneyi, gululi latseka chaka chachuma cha 2016 ndikukula kokwanira kwa ma 14.210 miliyoni. Pochita izi zikutanthauza kuti mchaka chino chawonjezeka ndi 50%, poyerekeza ndi chaka chatha. Zomwe zimakonzedwa ngati kuwonjezeka kwachinayi motsatizana kwa ndalama zomwe zimalowera kuzinthu izi. Kupereka masamba abwino kwambiri mzaka zaposachedwa.

Ponena za magulu omwe agulitsidwa, pali nkhani zokhudzana ndi kugawa ndalama. Ndizosadabwitsa kuti malinga ndi buku lomweli, zikuwonetsa kuti ndalama zomwe zimafunidwa kwambiri munthawi imeneyi ndizopeza ndalama zazing'ono komanso zopindulitsa kwakanthawi. Amadziwika m'minda yazachuma monga kugula & kusunga. Pomwe La Caixa ikubwereza monga bungwe lomwe lidayang'anira ndalama zazikulu kwambiri mu 2016. Pafupifupi 18,5% ya gawo lamsika. Kenako, Banco Santander ndi BBVA, okhala ndi 15,3% ndi 13,6%, motsatana.

Chodabwitsa ndichakuti, chimodzi mwazifukwa zomwe bungweli likunenera kuti chifotokozere chidwi chosatsutsika chazachuma chimachokera pazisankho ku United States. Pakubwera kwa a Donald Trump kukhala purezidenti wa imodzi mwachuma champhamvu kwambiri padziko lapansi. Zimasonyezanso kuti magulu ndi ntchito yabwino akhala omwe amalumikizidwa ndi msika wamsika ndi ndalama zosakanikirana. Mwanjira ina, ocheperako omwe ali ndi chidwi azogulitsa ang'onoang'ono komanso apakatikati akhala nyumba ndi ndalama.

Chifukwa chiyani chidwi chandalama?

Pali zifukwa zambiri zofotokozera kusamutsaku mu chuma cha opulumutsa ambiri omwe amadalira malonda apaderaderawa. Chimodzi mwazodziwika kwambiri, mosakayikira, ndi mwayi wosankha mtundu womwe mumakonda kwambiri. Kapenanso zomwe zikugwirizana ndi mbiri yanu ngati wogulitsa malonda. Ndi njira zopanda malire. Pafupifupi ndalama zambiri zomwe zimapezeka m'misika yazachuma. Mutha kuyika ndalama pafupifupi pafupifupi aliyense, ndizochepera zochepa komwe mukupita ndalama zanu.

Chimodzi mwazinthu zazikuluzikulu zomwe zathandizira ndikuti zimapanga kusiyanasiyana kwakukulu kwachuma. Makamaka chifukwa sanakhazikike mu chuma chimodzi. Koma mosiyanasiyana komanso mosiyanasiyana. Chifukwa mkati mwazinthu zomwezo itha kutolera ndalama zokhazikika mosiyanasiyana. Ngakhale ndi zinthu zina zochepa zomwe sizingachitike. Monga momwe ziliri ndi zopangira, kugulitsa nyumba komanso kusokonekera kwa misika.

Popanda nthawi iliyonse yopanga ndalama. N'zosadabwitsa kuti imalimbikitsidwa ndikuyendetsedwa ndi magulu azachuma. Ndi mwayi wowonjezera womwe mungalembetsere thumba lililonse pamtengo wotsika mtengo pazinthu zilizonse zapakhomo. Kuchokera pazopereka kuchokera ku 500 euros. Nthawi zina, ngakhale ndi ndalama zotchinga, ngati njira yotetezera malo omwe mumatsegula nthawi ina.

Migwirizano yakukhalabe

khalani Kusiyanasiyana kwakukulu kumapereka nthawi yomwe muyenera kusunga ndalama zanu. Akatswiri pazogulitsazi akunena kuti mawu omwe akulimbikitsidwa kwambiri ndi apakatikati komanso atali. Ndi pafupifupi pafupifupi zaka 3 mpaka 5. Imeneyi ndi nthawi yomwe mungapeze zabwino zanu. Mwanjira imeneyi, amakhala ngati chinthu chomwe chingasungidwe m'malo mongogulitsa. Mulimonsemo, kugwira kwake ntchito kwakanthawi kochepa kumakhala kochepa chifukwa cha machitidwe a mankhwalawa.

Komabe, amapereka kuthekera kwakuti atha kukhala amasamutsidwa kwaulere kwa ndalama zina pakagulitsa zinthu sizili bwino kwenikweni. Kuyesera kuchepetsa kutayika kapena kugwiritsa ntchito mwayi wina wokhutiritsa womwe amakupatsani kuti mupange ndalama m'njira yopindulitsa kwambiri. Mwachidule, imakupatsirani mitundu yambiri yomwe zinthu zina zandalama sizingakupatseni chifukwa chamakanika apadera kwambiri amapangidwe awo.

Vuto lina lomwe mungagwiritse ntchito kuyambira pano ndikuti mutha kusankha malo omwe mungasungire ndalama zanu. Bwinobwino kuchokera ku zomwezo ndikupanga magwiridwe antchito kunyumba kwanu kumalo opita kutchuthi. Chifukwa, zachidziwikire, china mwazopereka zawo ndikuti amatha kuzipanga pa intaneti. Nthawi iliyonse masana ndikugwira ntchito kubanki yanu yanthawi zonse. Popanda zopinga zambiri kuti mutha kukwaniritsa zokhumba zanu.

Kudzera mu ndalama zandalama

Kusankha kwa ndendende momwe zimakhalira ndi index index. Ndikulimba komweko komanso mosiyana ndi mitundu ina yazachuma yomwe ili pafupi kwambiri ndi mitengoyi. Ngakhale mwayi womwe wakupatsani ndi wocheperako. Ndi malingaliro ang'onoang'ono omwe amachititsa chisankho kukhala chovuta kwambiri. Mulimonsemo, ndi njira ina yomwe muyenera kugwiritsira ntchito ndalama zanu pansi pazinthu zamakono. Ndipo ndizofanana kwambiri ndi zomwe zimayendetsedwa mwachindunji pamsika wamsika.

Zachidziwikire, pali njira ina yomwe muyenera kugwiritsira ntchito ndalama zanu chaka chino zomwe zangoyamba kumene. Kudzera mu njira yomwe ikufanana kwambiri ngati kuti mukusungitsa ndalama zanu mumsika wamsika mwachindunji. Ngakhale pali kusiyana kwakukulu. Si china kuti simudzayang'ana pa mtengo umodzi, koma pa mtanga wamagulu amtundu wathunthu wamasheya. Chilichonse chomwe mungasankhe. Mwanjira imeneyi, kufanana kwake ndi ndalama zogulitsa ndikokulirapo.

Ubwino woika ndalama mu thumba

ndalamaPalibe kukayika kuti ndalama zothandizana zili ndi zabwino zake komanso zovuta zake. Koyamba, mupeza zina mwazomwe zingakhale zothandiza kwambiri m'thumba lanu lachinsinsi. Muyenera kuwasunga m'maganizo ngati chaka chino musankha malonda apaderawa. Osati pachabe, padzakhala zopereka zambiri zomwe zingakupangitseni kuchokera mphindi izi. Ndipo pakati pawo omwe timaulula pansipa ndiwowonekera.

  • Nthawi zambiri zimakhala zopangidwa zosavuta kumva. Sizovuta konse poyerekeza ndi mitundu ina yazachuma. Momwe mungatsegule malo mwa iwo popanda zovuta zambiri.
  • Muli ndi malingaliro osiyanasiyana. Zonse mu ndalama ndi ndalama zokhazikika. Ngakhale njira zoyambirira kwambiri zomwe mungapeze pano. Simudzakhala ndi zovuta zokumana ndi zomwe mukufuna
  • Kuchuluka kwanu kumatha popeza mutha kulowa ndikusiya misika momwe mungafunire. Popanda malire pazomwe mumachita mgulu lililonse lazandalama. Ngakhale muyenera kudikirira kuposa tsiku lokhazikika.
  • Zapangidwira Mitundu yonse yamabizinesi. Kuchokera paukali kwambiri kupita kwa iwo omwe ali ndi mbiri yosamalitsa. Amachotsa pafupifupi aliyense pamaudindo awo. Ngakhale ndi zopereka zotsika mtengo kwambiri mabanja onse.
  • Lang'anani, ntchito yake yabwino kwambiri yomwe mungathe kupeza kwa nthawi yayitali kapena yayitali. Ndiye kuti, kuyambira zaka 2 kapena 3 pafupifupi. Sizinachitike munthawi yochepa kwambiri
  • Banki iliyonse yomwe mumagwira nayo ntchito adzakhala ndi malonda okhala ndi izi. Kudzera pakupereka komwe ndalama zonse sizikuphatikizidwa. Koma okhawo osankhidwa ndi bungwe lenilenilo.
  • Mutha kuwalembetsa mu ndalama zina ngati mukufuna, ngakhale Mukhala ndi ma komishoni ovuta kwambiri. Muthanso kusankha kutchinga ndalamazo, pankhani iyi yuro, ngati njira yotetezera ndalama zanu mosamala kwambiri.

Zomwe zili m'nkhaniyi zikutsatira mfundo zathu za malamulo okonzekera. Kuti mufotokoze cholakwika dinani Apa.

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  1. Wotsogolera pazosankhazi: Miguel Ángel Gatón
  2. Cholinga cha deta: Control SPAM, kasamalidwe ka ndemanga.
  3. Kukhazikitsa: Kuvomereza kwanu
  4. Kulumikizana kwa zomwe zafotokozedwazo: Zomwezo siziziwululidwa kwa anthu ena kupatula pakukakamizidwa mwalamulo.
  5. Zosunga: Zosungidwa ndi Occentus Networks (EU)
  6. Ufulu: Nthawi iliyonse mutha kuchepetsa, kuchira ndikuchotsa zidziwitso zanu.