Yakanga isiri chinhu chitsva, nekuti yaive nhau inotarisirwa nemisika yemari uye nekudaro nevose vanoita mari. Zvakanaka, Banco Santander afunga kuvhura iyo capital kuwedzera inosvika mamirioni e7.072 euros, pakuderedzwa kwe17,75%, iyo ichatsigira nayo kutenga kwazvino kweBanco Popular. Kune rimwe divi, ichapa rumwe ruzivo nezve ino yakakosha capitalization mashandiro mumazuva anotevera.
Ichi chiitiko chemakambani chinoreva kuti bhangi rinotungamirwa naAna Patricia Botín rinoburitsa huwandu hwakawanda hwemamiriyoni 1.458 miriyoni. yekirasi imwechete uye dzakateedzana sezviripo uye ine yakasarudzika kunyorera kurudyi kune vagovani vemazuvano. Idzi ndidzo nhau dzinokanganisa vese varipo vagovani vechikamu chezvemari, pamwe nevaya vanomirira kutenga zvikamu muboka rezvemari kubva zvino zvichienda mberi. Mubvunzo mukuru wekuwedzera kwemari ndeyekuti zvichave zvinobatsira here kune zvido zvevashambadzi vadiki nepakati.
Mupfungwa iyi, kana iwe uchitova mugovani weBanco Santander, iwe unofanirwa kuziva kuti iwe unozogona kunyorera chikamu chitsva pamitezo gumi yese yauinayo pari zvino. Nemutengo wemutengo we4,85 euros pagove, iyo mukuita inomiririra kudzikiswa kwe17,75%. Chero zvazvingaitika, uye neruzivo rweichi chikamu chemubatanidzwa, chinoenderana nekutenderwa. yebhurocha rinoenderana neNational Securities Market Commission. Uye iwe haukwanise kukanganwa kuti mukati mekota ino, bhanga richashandisa chinyakare dhivhidheni kubhadhara iyo yainogovera pakati pevanogovana.
Kuwedzera kweSantander
Chero zvazvingaitika, haugone kukanganwa kuti kune mamwe mazwi ekuti uve mutoriwo mukuwedzera kwemari iyi. Nekuti zvirokwazvo, kana zano rako riri rekuenda kwariri, iwe unozogona kuzviita munguva yemazuva gumi nemashanu pakati paChikunguru 15 naJuly 6, 20. Inofungidzirwa kuti zviito zvitsva tanga kutengesa kubva muna Chikunguru 31. Nechinyakare icho iwe uchazokwanisa kuunganidza zvikamu nezvikamu zvitsva zvakatengwa.
Nezve zvikwereti, bhodhi revatungamiriri rakazivisa chinangwa charo chekupa chikamu chakapihwa 2017 ye 0,22 euros pamugove. Nedzidzo yakatarwa uye yegore yakatenderedza 5% uye chimwe chezvinhu zvakakosha mukuenzana kwenyika. Kusvika padanho rekuti rakakwanisa kutora kune rakakura boka revatengesi vane rakanyanya kuchengetedza chimiro pakati pevagovani varo. Sezvazviri kune mamwe mabhangi akanyorwa pamusika wemasheya, sezvazviri mune chaiyo nyaya yeBBVA.
Mhedzisiro yebhizinesi
Kana iyo mari yaSantander yemari inogona kukanganikwa kuitira kuti isarudze kugamuchirwa kweiyi yakakosha capital kuwedzera. Nekuti zvirokwazvo, pakupera kwemwedzi uno waChikunguru ipa maakaunzi anoenderana nesemester yekutanga yegore. Iko, pasina kupokana, iyo inogona kupa iyo isinganzwisisike clue nezve yemari mhasuru yesangano. Uye ndiani anoziva kana kusarudza kutenga kwezvikamu zvayo kana kupesana pasi pechisungo kunoenderana nekugadzirisa zvinzvimbo zvakawanikwa mumwedzi yapfuura.
Kubva pane akajairika mamiriro, fungidziro yeiyi mibairo yebhizinesi inonongedzera kuBanco Santander kuwana mhindu inofungidzirwa yeinenge 3.600 mamirioni euros, zvinoreva kuti 24% kupfuura panguva imwechete yegore rapfuura. Zvese kunyangwe hazvo chokwadi chekuti mitengo inowedzera pazasi pe4%, nepo mabhenefiti akagadzirwa nemakomisheni anofungidzirwa kukura pasi pematanho ari pamusoro pe10%. Chero kutsauka kubva kumaaccount aya kunotungamira mukuwedzera kusagadzikana mumitengo yemigove yavo. Mune imwe nzira kana imwe uye kumufaro wevatengi nevatengesi, zvichiteerana.
Ichave zvakare data rehunhu hwakakosha kuona kuti zviri nyore here kuenda kune ino kuwedzera capital iyo yave kuda kutanga. Kunyangwe pamagumo ichi chichava chisarudzo chega chega icho vashoma nevapakati varimimari vanofanirwa kutora. Ingori mukati menguva yegore yakaoma sekuita kwemwedzi yezhizha. Iko vazhinji vavo vanosarudza kuzorora zviitiko zvavo zvine chekuita nenyika yemari. Chero nzira, iyi imwe nzira iyo unopihwa kwauri kuitira kuti iwe ugone kuita kuti zvipo zvako zvemari zvive zvinobatsira.
Iyo yakasimbiswa pamatanhatu euros
Parizvino iri kuisa mutengo wakakomberedza chipingamupinyi chematanhatu euros pamugove. Uine kubatsirwa kwegore negore padyo ne21%. Mune ipi imwe yekukosha kwakakosha kwemari yenyika. Pamusoro pemamwe masangano emari uye kunyange mamwe makambani akanyorwa ane huremu hwakakura muIbex 35. Hazvishamise kuti, 2017 riri gore rakanaka kune zvido zvebato. Chinhu icho vashoma kwazvo vanoongorora zvemari vaive nacho pakutanga kwegore rino.
Chero zvazvingaitika, tarisiro yaro yakatonyanya kukwirira, sekufungidzira kwevamwe vaongorori vezvemari. Uine kukwirisa kugona kusvika ku20% mune zvimwe zvakafanotaurwa zvakanaka. Zvese, mune mazhinji acho ivo vari pamusoro pemitengo yavo yazvino. Pamwe nekudzoka kwese kwavanogadzira kuburikidza nekuunganidzwa kwezvikwereti gore rega rega nenzira yakatarwa uye yakavimbiswa. Kusvika padanho rekuti ndeimwe yemaitiro akakurudzirwa nevamiriri vemari. Kuti ugadzire chikamu chakatsiga chemari yekudyara yakatemerwa maprofiles ese emari. Kubva kune vane hukasha zvakanyanya kusvika kune vane mwero mumaitiro avo kune zvine hukama nenyika inogara yakaoma yemari.
Kana iwe zvakare haukwanise kukanganwa kuti masheya eSantander achiri kumusoro kwavo muzvikamu zvekutengesa zvenguva pfupi yapfuura. Iko kunotengesa padyo ne nhanho dzeanomwe euros pachikamu chimwe nechimwe. Kunyange madimikira ayo ari kure kwazvo nenzvimbo izvo. Kunyanya, akauya kuzoshanyira nhanho padyo zvakanyanya kusvika matatu maeuro. Kubva kwaakatanga kutangazve zvigaro zvake zvine hukasha. Mune chiitiko chakanakisa kudzivirira zvido zvevashambadzi vadiki nepakati.
Kumbira mukutenga kweZvakakurumbira
Imwe nhau yakabata vatyairi inzira yekutenga iyo Banco Popular nokuti euro chete. Zvakanaka, mupfungwa iyi, bhanga rinoratidza kuti "kuwanikwa kwesangano kunogona kusanganisira zviwanikwa kana zvirevo zvemarudzi ese." Kunyangwe panguva ino idzi nhau dzisiri kunzwika mumashoko avo ezuva nezuva. Asi pane zvinopesana, ivo vanofungidzira kusimbiswa mukuwedzera kwekufamba kwaro kumusoro. Nekuti zvirizvo, hapana hukuru hwekutengesa mumisika yemari.
Kunyangwe isingakwanise kukanganikwa kuti, maererano nesangano rezvemari pacharo, panogona kuve ne "yakakosha mhedzisiro" kumaakaunzi avo. Semhedzisiro ye zvichemo kubva kune vaimbove vatengi vePeople. Nechiratidziro mukuderera kudiki mumutengo wemasheya ayo, kunyangwe panguva isina kunyanyisa kukobvu. Iyi ndiyo imwe yemikana ingangoitwa nevamwe nyanzvi dzinozivikanwa mumisika yemari.
Kuenda kana kusawedzera?
Chero nzira, zvinogona kuve zvinonakidza kwazvo kuenda kuiyi nyowani yekufambisa zita. Zvirinani kune iyo yepakati uye marefu mazwi ekugara. Mune iyo kudzoka kwakakwirira kupfuura uko kunogadzirwa neyakagadziriswa mari zvigadzirwa zvinogona kuwanikwa. Pakati pevamwe, nguva yekuisa, manotsi ebhengi kana mabond. Iyo yakaumbwa seimwe yemaitiro ekudyara iwe aunogona kushandisa kana pakupedzisira wafunga kuenda kune uku kukura kwemari neBanco Santander.
Nekudaro, iwe unomhanyisa njodzi yakakura yekuti mutengo wemugove inogona kudzikisirwa muzvikamu zvinotevera zvekutengesa. Saka kuti nenzira iyi, iwe unorasikirwa nemari mukuita uku kwaunenge uchizogadzira. Kunyanya kana iwe uchida kuti iite inobatsira mupfupi mazwi. Icho chinhu icho iwe chaunofanirwa kutarisira kana iwe ukaita aya marudzi emafambiro. Uyezve, haugone kutonga shanduko mune zvinoitika mumisika yepasi rose yemari.
Chimwe chinhu chinogona kukuvadza zvaunofarira kushanduka kwesarudzo mu mareti emari nevakuru vemari vemunharaunda uye izvo pasina mubvunzo zvinogona kupedzisira zvave kukanganisa musika wekuSpain. Panyaya iyi, shanduko inoonekwa neECB inogona kukanganisa zvaunotarisira nekutenga zvikamu zvitsva zveSantander. Chinhu chinogona kunyatso kuoneswa pakupera kwegore. Nguva iyo zvikamu zvako zvitsva zvichave zvakanyorwa.
Icho chiri muchidimbu, mwenje nemimvuri izvo kugamuchirwa kweaya mashandiro mumusika zvinoreva. Kusvika padanho rekuti panogona kugara paine chiitiko chisingafanoonekwi chinogona kukuvadza zvakakomba zvido zvako semudyari mudiki nepakati. Zvirinani pakutanga kubva pamitengo yezviito, sekune rumwe rutivi zvine musoro, ichasanganiswa sezvo mamwe akawanda masheya akanyorwa pamisika kusiyanisa mari. Kuti udzokere zvishoma nezvishoma pakutanga kwemitengo yepakutanga uye ichave iri pamatanho azvino. Ndokunge, kutenderera matanhatu euros pamugove.