BME, kuburikidza neBilbao Stock Exchange, inobvuma kutengesa mangwana nyaya nyowani yezvisungo zvakachengetedzwa yakatangwa neBasque Government kwemazana emamiriyoni mazana matanhatu ema euro. Izvo zvisungo zvine makore gumi-gore (kukura kwavo kwekupedzisira kwakarongerwa Kubvumbi 10, 30) uye inowedzera coupon yegore ne2029%. Iyi nyaya chikamu chekubvumidzwa kweBasque Hurumende yakanyorwa muna Kukadzi 1,125 kuti iite kwenguva yakareba mashandisirwo emari kwehuwandu huwandu hwemamirioni 5.
Norbolsa, BBVA naCrédit Agricole vakashanda seGlobal Coordinator uye pamwe chete neHSBC, Santander, Banco Sabadell neCaixabank vanga vari ma Joint Bookrunner mukuiswa kwenyaya iyi. Kune rimwe divi, zvinofanirwa kucherechedzwa kuti mumagazini ino, Hurumende yeBasque ine chiyero muchikamu chakatarwa seA3, ndiko kuti, maonero akasimba, naMoody's; A +, maonero akanaka, neS & P; uye A - maonero akatsiga, naFitch. Iyo nyaya yakawana yayo yega chiyero cheA3 / A- naMoody's uye Fitch, zvichiteerana.
Mune ino kesi, iri nyaya yechipiri yezvisungo zvakachengetedzwa zvakatangwa neHurumende yeBasque mumakore achangopfuura uye izvo zvinogamuchirwa mukutengesa neSpanish Stock Exchanges neMisika (BME). Iko, kuburitswa kunoitika mukati mehurongwa hwe Sangano Romubatanidzwa Wenyika Dzepasi Pose Sustainable Development Goals (ODS) uye inosanganisira mapurojekiti ezvedzidzo, hutano, kufambira mberi kwehupfumi, kusimudzira mabasa kana simba rinowedzerwazve, pakati pezvimwe zvakakosha mundima yekudyidzana.
Basque zvisungo: yavo purofiti
Ichi chigadzirwa chitsva kubva kune akajairwa matunhu akagadziriswa mari kudzoka kwegore pane kusevha 1,125%. Haisi kudzoka kunodzvinyirira kwevanochengetedza zvidiki nepakati, kunyangwe ichipa mubhadharo wakatarwa uye unovimbiswa gore rega rega pamusoro pezvigadzirwa zvemabhengi zvikuru. Pakati pavo, yakatarwa-nguva dhipoziti, mabhangi ekuvimbisa manotsi uye chero mhando yeruzhinji chikwereti. Chaizvoizvo mune yekupedzisira, zviyero zvinoratidzira matsva auction zvinoratidza kuti iyo yemakore mashanu bhondi inopa inofungidzirwa goho regore re 5%, zvakajeka pazasi peichi chigadzirwa chemari chitsva.
Haisi chigadzirwa chinobatsira pari zvino, asi chiri inoitirwa ma profiles anochengetedza zvikuru. Iko kwavanosarudza kuchengetedza kwavo kuseka pane kumwe kufunga kwakanyanya. Nekudaro, imwe yemabhenefiti ayo akakosha ndeyekuti vanogona kunyoreswa kubva pamitengo inodhura kwazvo kudzimba dzese. Kusiyana nekutenga uye kutengeswa kwemasheya pamusika wemasheya izvo zvinoda mari hombe inodikanwa. Kuve mumwe weakanyanya kutaurwa misiyano pamwe nechimiro chechigadzirwa icho chakasiyana zvachose.
Mamwe mafomati: maHurumende Mabond
Iwo epfupi-kwenguva akasarudzika emari kuchengetedzeka anomiririrwa chete nemabhuku akanyorwa. Dzakagadzirwa munaJune 1987, apo Annotations Veruzhinji Chikwereti Musika yakatanga kushanda. Kana zviri zvemabhiri, zvinopihwa nefandesi. Huwandu hushoma hwechikumbiro chimwe nechimwe ndi kubva pamakumi maviri emadhora, uye zvikumbiro zvemari yepamusoro zvinofanirwa kuve zvakapetwa zve1.000 euros. Nezve chimiro chayo chese, izvi zvivimbiso zvakapihwa pamutero saka mutengo wavo wekutenga wakadzikira pane iwo muyero uyo muridzi achawana panguva yekuregererwa. Musiyano uripo pakati pekukosheswa kukosha kweBill (chiuru euros) nemutengo wayo wekuwana chichava chimbadzo kana goho rinogadzirwa neHurumende yeMari.
Kune rimwe divi, zvakakoshawo kuti utaure kuti zvisungo zvehurumende nezvisungo kuchengetedzwa kwakapihwa neHaimari kwenguva yakareba. Zvese zviri zviviri zvigadzirwa zvemari zvakafanana muzvinhu zvavo zvese kusara kwetemu, iyo iri nyaya yezvisungo zviri pakati pemakore maviri kusvika mashanu, ichiri muma bond. yakakura kudarika makore mashanu. Izvo zvinopihwa nekwikwidza okisheni uye hushoma zita rezita iro rinogona kukumbirwa mune okisheni iri chiuru euros, uye zvikumbiro zvemari yakakwira zvinofanirwa kuve zvakapetwa zvemari yambotaurwa.
Nezve 3 uye 5 makore
Parizvino, Treasury inoburitsa matatu- uye mashanu-makore-zvisungo, nepo zvisungo zvine nguva yakareba yekugara, inova 10, 15 uye 30 makore. Kune rimwe divi, masangano emari anowanzo gadza makomisheni ekutengesa kwekuchengetedzeka mumitengo yavo, ayo ari pakati pe0,10% ne1,00% yezita rekutengeserana uye huwandu hwacho huchadzikiswa kubva pamutengo wekutengesa. Ramba uchifunga kuti zvese kuchengetedzeka kweHaimari zvinogona kutengeswa usati wakura pamusika wechipiri. Kune izvi, zvakakwana kupa rairo yekutengesa kune inzvimbo yemari kwavakawanikwa.
Nezve izvozvi, zvinofanirwa kusimbiswa kuti kana muzvinashawo afunga kutengesa zvivimbiso zvake mumusika wechipiri, anogona kutambura nekurasikirwa nemari yaakaita pakutanga, izvo zvisingaitike. kana machengetedzo achibatwa mukukura. Chimwe chezvinhu zvinokwezva ndezvekuti kudzoka kunounganidzwa pakutanga kwekubvumirana kwayo uye hazvizove zvakafanira kumirira kukura kwayo kuti kuve nemari yakawanda muaccount account, sezvinoitika, semuenzaniso, mune yakatarwa-temu bhangi dhipoziti. Chero zvazvingaitika, icho chigadzirwa chakachengeteka zvachose icho chine yakazara mamiriro garandi.
Ndezvipi zvisungo zvekuda nyika?
Vaive chigadzirwa chakakurumbira makore mashoma apfuura, asi kukwidza kwavo kwaderera zvakanyanya. Iwo ndiwo zvisungo zvinopihwa kubva kunzvimbo dzakasiyana dzakazvimiririra dzenyika yedu. Ndokunge, nekutepfenyurwa muCastilla y León, iyo Balearic Islands, Madrid, Nyika yeBasque kana Galicia. Nehunhu hwekuti mumwe nemumwe wavo anopa imwe purofiti. Kufamba mupendero unoenda kubva 1% kusvika 6% zvinoenderana nekutepfenyura kwayo. Nemashoko akachinjika ekugara zvachose pakati pavo vese uye anofamba pakati pemwedzi gumi nemaviri nemakumi mana, kuitira kuti vagone kuchinjika kune ese profiles evashambadzi vadiki nepakati.
Nepo kune rimwe divi, iwo anodomwa semabhandi ekuda nyika haagare achiwanikwa muchipo chinogadzirwa. kubva kunharaunda dzakasiyana dzakazvimiririra. Kana zvisiri, pane kudaro, kuvapo kwayo panguva ino kuri kushomeka nekuda kwematambudziko emari pachikamu chemasangano anozvimiririra. Kusvika padanho rekuti zvakaoma kwazvo kuzviona panguva ino chaiyo. Aya ndiwo maitiro akajairika ave achidzokorora kubva padambudziko rekupedzisira rehupfumi. Neine mashoma chete akanangana nezvisungo zvakabuda mune kupihwa mukirasi yezvigadzirwa.
Margins akasiyana mukubatsira
Icho chokwadi chekuti chimbadzo chinopihwa nezvisungo zvekuda nyika chakasiyana zvakanyanya imhaka yenjodzi yekutakurwa neumwe neumwe wavo. Iko iko kuti purofiti iri pamusoro ivo vari zvakare vakakwira. Ndichiri kune rimwe divi, izvo zvinogadzira chimbadzo zvine mwero, kutenderedza 1% kana 2%, ndizvo izvo kupa kumwe kuchengetedzeka uye njodzi dzinoderera zvakanyanya. Zvese izvi zvichibva pamamaki akapihwa nemasangano ekuyera. Mupfungwa iyi, uye kupa muenzaniso unoshanda, kuburitswa kwezvisungo muCatalonia kunounza purofiti yepamusoro nekuti njodzi yacho ndiyo chaiyo yakanyanya. Neine chete mashoma mashoma akanangana nezvibodzwa zvakabuda mukupa mune ino kirasi yezvigadzirwa zvakagadzirirwa kune yakazvimiririra uye yakazvimirira kudyara.
Aya hunhu chinhu chinowanzo dhinomineta chechigadzirwa ichi chakanangana nekuchengetedza uye panguva imwechete bvumidza vadiki nevepakati varimi kuti vasarudze yavo yavanoda modhi. Iko kwaunofanira kusanganisa purofiti pamwe nenjodzi mune zvisungo zvekuda nyika. Kuti uwane equation yakaenzana zvichibva pane ese akasiyana. Nenyaya dzinowanikwa nemari dzakasiyana dzechibvumirano. Kunze kwekumwe kufunga kwehunyanzvi uye pamwe zvakare kubva pakuona kwezvakakosha.
Zvakanakira zvigadzirwa izvi
Zvakanakira zvinogadzirwa nekutengesa aya mamodheru ekuchengetedza anofanirwa kuiswa pachena. Pakati peavo vanoratidzira inotevera mipiro yatinofumura pazasi:
- Ivo vanopa iyo yakamisikidzwa purofiti kunyangwe iri shoma kwazvo kune zvido zvevabati vayo.
- Unogona kusarudza pakati akasiyana mamodheru kondirakiti zvichibva pane chaicho zvinodiwa nevashandisi vebhangi.
- Kubatsira kwako inopomerwa pakutanga yehurongwa hwayo uye kwete pakukura kuunza kukwezva kukuru kunyorera.
- Izvo zvakagadzirwa ne nguva dzakatarwa dzakasiyana zvekusingaperi uye nekudaro zvinopa mukana wakakura wekuzviroja chero nguva.
- Izvo zvigadzirwa izvo zviri yakagamuchirwa neboka reruzhinji uye kwete zvakavanzika uye kuti mupfungwa iyi zvinogona kuburitsa kuchengetedzeka kukuru pane purofiti inogadzirwa nezvisungo.
- Icho chigadzirwa yakabva pamari yakamisirwa uye izvi zvinoreva kuti purofiti yavo yakanyanya kushomeka uye muzviitiko zvakawanda iri pamatanho epasi, sezvazviri panguva ino.
- Icho hachisi chinhu chakafanana chemari, asi zvinopesana pane akasiyana mafomati ayo anogona kubvumidzwa: nyika zvisungo, kuda nyika zvisungo, nezvimwe.
- Uye pakupedzisira, hapana mubvunzo kuti ndeimwe imwe nzira iyo iwe yaunogona kusarudza kuita yako kuchengetedza kunobatsira.