Sarudzo yakaitwa neEuropean Central Bank (ECB) ku simudza chimbadzo Kubva muna 2019, chichava chigumbuso chevashandisi vari kutora chikwereti mumwedzi iri kuuya. Nezve chero mhando yemari: yemunhu zvikwereti, zvekushandisa, nekukurumidza, mogeji kana kuburikidza nemakadhi ebhangi. Muchikamu chekuti ini ndinovimba nehukuru hwekuwedzera uku kunoitwa nemasangano akazvimiririra. Chero nzira, dzichava dzakaipa nhau kune vashandisi vebhangi avo vari muchikwereti chekukwereta.
Kunyangwe ichi chiyero chemari chichava chinobatsira kwazvo kune vanoisa ne wedzera kuita pane iyo equity yakachengetwa mune akasiyana mabhengi zvigadzirwa (nguva dhipoziti, mabhizinesi ekuvimbisa manotsi kana epamusoro-mari maakaundi). Vachaona kuti mumwedzi iri kuuya zvido zvavo zvichawedzera zvakaenzana nekukwira kwemutengo wemari. Nekuti munguva pfupi pfupi zvichave zvichibatsira kuita kuchengetedza kunobatsira kuburikidza nenzira dzakasiyana dzakapihwa nemabhangi.
Zvakapesana chaizvo nezvichaitika kune vanhu vanoenda kunotsvaga chero mutsara wechikwereti kubhangi kwavo. Nekuti iyo chibvumirano mamiriro yezvinhu izvi zvebhangi. Panguva ino avhareji kufarira kwegore rino kwemuenzaniso we mari Icho chiri pakati pehurefu pakati pe6% ne11% yezvikwereti zvega uye nemisiyano iri pasi pe2% maererano nechikwereti chemogeji. Zvakanaka, aya margins ekutengesa anotora nguva yakareba kuti masangano emari anyore. Nechikonzero chakareruka sekunge iyo nguva yemari yakachipa yapera gore rino.
Simuka mubereko pazvikwereti
Mhedzisiro inonyanya kuitika yesarudzo yemasangano enharaunda ndeyekuti muna 2019 mwero wepakati wezvikwereti uchawedzera nechegumi chegumi muzana muzana zvine chekuita nemitengo yazvino. Izvi mukuita zvinoreva kuti pakudiwa kwema 10.000 euros, vashandisi vanofanirwa kubhadhara imwezve mari ingangoita makumi maviri nemashanu euros mwedzi wega wega. Kunze kwekuwedzera kwemutengo wemakomisheni uye zvimwe zvinoshandiswa mukutungamira kwezvinhu izvi zvemabhangi. Semuenzaniso, izvo zvakatorwa kubva muchidzidzo, kudzima kwekutanga kana kuzviisa pasi.
Kune rimwe divi, chimwe chinhu chinofanirwa kutariswa ndechekuti izvi zvinowedzera muhuwandu hwechimbadzo hazvizokanganisa vatengi vane izvozvi zvigadzirwa zvehunhu hwakagadzwa. Izvo zvinongokanganisa vashandisi vari kuzozvimhan'arira kubva mukushandisa kweizvi uploads mune chero mhando yezvikwereti. Iko mutsauko mudiki iwe waunofanirwa kuziva kuti usimbe uye maitiro eichi chiyero chemari. Nezve zuva iro mutengo wemari uchakwira, hapachina zuva rakatarwa, kunyangwe nyanzvi dzichisarudza kuti zvichaitika mukota yekutanga ya 2019. Chinhu chinokanganisa maitiro ekutengesa mumisika yemari.
Masaga anozokanganiswa
Mhedzisiro yechibatiso chemari iyi ichave iyo inobata misika yemasheya emunyika. Nekuderera mumutengo wemari yemari misika semhedzisiro yezvinetso zvavachave nazvo makambani ekuzvipa mari kubva zvino zvichienda mberi. Hazvishamise kuti ivo vanofanirwa kubhadhara mari yakawanda kuti vave nemari yekuita chero bhizinesi ravo. Ichi chinhu chinofanirwa kutariswa nevashambadzi vadiki nepakati vane tarisiro yekuvhura zvinzvimbo mumisika yemari. Mupfungwa iyi, varimi vemari vanozove mumwe wevakanyanya kubatwa nekukwira kwemitero munzvimbo yeeuro uye semhedzisiro zvakare kuSpain.
Kune rimwe divi, zvakakoshawo kuti utaure kuti chiyero chemari ichi chakanyanya zvinokuvadza kumucheka unobereka yenyika nekuti makambani anofanirwa kuita simba rakakura remari kuti vazvipe mari. Chinhu chinogona kukanganisa huwandu hwechikwereti chakafanana nekuti vanenge vasina imwe sarudzo kunze kwekutakura yakakwira chikwereti chemari pachikwereti icho chavanozoda muzviitiko zvakawandisa maererano nemari yavo uye nekuzadzikiswa kwemabhizinesi matsva.
Zvikwereti zvinotanga rini?
Mhinduro yekuti chikamu chakanaka chevashandisi veSpanish vanofanirwa kuziva inguva iyo iyi kukwira kwezvibereko zvichaitika. Zvakanaka, panguva ino hapana zuva rakanyatso tsanangurwa, asi maonero ese anonongedzera kuchokwadi chekuti ichave mumwedzi yekutanga yegore rinouya uko kukwira kwemitsara yechikwereti yakapihwa nemabhangi ichaonekwa. Aya ndiwo maranho adonhedzwa nezvazvino zvinyorwa zvakapihwa nebhanga rinoburitsa rekondinendi yekare. Chero zvazvingaitika, pane chinhu chimwe chechokwadi uye ndicho chiyero ichi hazvinganonoki kwemwedzi yakawanda zvimwe. Naizvozvo, zvakafanira kumirira iyo inodhura kiredhiti kuti itange kushambadzirwa nekukurumidza kupfuura gare gare.
Kune rimwe divi, ichi chiyero zvinokanganisa chero mutsara wechikwereti uye pasina kana chakasarudzika. Naizvozvo, iwe haugone kuvanda kubva kune ino marongero emari achaitwa munguva pfupi iri kutevera. Kana iwe uchizoda chikwereti mumazuva mashoma anotevera, iwe hauzove nesarudzo kunze kwekufunga kuti ndiwo mamiriro ezvinhu auchazowana. Ndokunge, iwe uchafanirwa kubhadhara imwe mari mukupa chero rudzi rwemari, pasina chero chakasarudzika. Iko kwaunotogona kubhadhara makomisheni uye mari mune manejimendi kana kugadziriswa kwakawanda kupfuura nhasi.
Ko zvakadii?
Mogeji zvikwereti zvichatevera zvakafanana maitiro uye pamwe pasina musiyano zvine chekuita nedzimwe tsika dzechinyakare dzechikwereti. Mupfungwa iyi, izvo zvekuwedzera zvakatotanga muchikwereti chemogeji nekuda kwekuwedzera kwakaitika muEuropean benchmark index yekirasi iyi yezvigadzirwa zvemari, iyo Euribor. Izvo zvave zvichikwira kwemwedzi mipfumbamwe yakateedzana senzvimbo yekushanduka kwekudzikira kwakaitika mumakore apfuura. Ehezve, isu tinogona kutaura kuti ichi chirevo sosi yechibvumirano chezvikwereti zvemamogeji chasvika pazasi mwedzi yakati wandei yapfuura.
Mukusiyana kwehuwandu hwechikwereti mhedzisiro mhedzisiro iri kuitika nekukurumidza sezvo avo vanonyorera vari kutobhadhara mashoma euros zvakanyanya muzvikamu zvavo zvemwedzi. Mari iyo ichawedzera nguva pfupi isati yakwira zvakanyanya muEuribor uye izvo pasina mubvunzo zvinotungamira kune yako Kuedza kwehupfumi kukura kubva ikozvino. Naizvozvo, hazvishamise kuti vazhinji uye vazhinji vashandisi vebhangi vari kusarudza yakatarwa-reti mogeji. Iko kwauchazogara uchibhadhara iwo iwo mwedzi mumwe chete mubhadharo, chero chii chinoitika mumisika yemari kubva zvino zvichienda mberi.
Chikwereti chinodiwa chinokura
Gore rino pakave nekuwedzera kwakakura mukushanda mukupa chikwereti, munzvimbo yekuvandudzika kwakajeka mumamiriro ezvinhu akabatana enyika yedu uye kunyanya nekuda kwekuderera kukuru mune izvo zvinonzi kusava nechokwadi zvinhu. Izvi zvakakonzera kudiwa kwekirasi iyi yezvigadzirwa zvemabhengi kukura nekukurumidza kupfuura zvaitarisirwa nevanoongorora pamusika. Asi vachakurumidza kuona kuti mamiriro avo achinja zvakanyanya. Chokwadi ichi chinogona kudzora huwandu hwekutenga hwakasainwa nevatengi, kunyangwe kukura kwavo kusingazivikanwe parizvino.
Pane kupesana, imwe data yakakosha inotsanangura chiitiko ichi ndeyekuti iyo chikwereti chemhuri dzeSpain yakaisa nhoroondo nyowani nyowani pakupera kwegore rapfuura, zvinoenderana nedata kubva kuBhangi reSpain. Ongororo yakaitwa neBhangi reSpain inoratidzawo kuti, mushure mekuteedzana kwekukanganisa semhedzisiro yedambudziko, huwandu hwehutsotsi hwakakanganisa zvishoma kana uchifunga mamiriro ayo mabhangi ekugamuchirwa kwemumiririri. Kunyangwe iyi mamiriro angave ari kusvika kumagumo nekuda kweanopfuura kumwe kusimuka mune zvido zvechero mutsetse wechikwereti muSpain.
Kuzorora mune zvibvumirano
Naizvozvo, uye takapihwa mamiriro ezvinhu akabatana, hazvishamise kuti European Central Bank (ECB) yakati ongororo yayo yekupedzisira pamusoro pebhangi kiredhiti yaive mumamiriro ekuzorora nekuda kwekuda kwechigadzirwa ichi nechikamu chikuru chevashandisi vebhangi. uye izvo zvakaonekwa mugore rino razvino. Chinokosha ndechekuti kudiwa kwavo kwakura kunyanya.
Kunyangwe zvichidikanwa kuti ujekese kuti zvikwereti zvikwereti zvinofungidzira kuti zviyero muchibvumirano zvinoomarara kubva kukota yekupedzisira yeiyi uye mumakore anotevera. "Kukwikwidza kumanikidza uye kufunga kwenjodzi kwakadzora miitiro yechikwereti," inodaro ECB muchirevo. Mune izvo zvinotarisirwa kuti inogona kuve inotevera mamiriro ayo vatengi vanozove nawo kubva kumwedzi mishoma.