Amanqaku eShishini: tyala imali ngakumbi

Amanqaku eshishini okanye eenkampani yimveliso yotyalo-mali engaqhelekanga ngendlela yokuba ayidweliswanga kwiimarike zezemali. Nangona kunjalo, le misebenzi ayigutyungelwanga yi INgxowa-mali yesiQinisekiso seDiphozithi (FGD), njengoko kunjalo nangedipozithi yekota. Ngumngcipheko omncinci ekufuneka uwuthathe xa ucinga ukuba utyalo mali kuba kweyona meko imbi, ungaphulukana nemali oyabelwe kwezi ntshukumo ngaphakathi kwenkampani yezi mpawu.

Kwimeko nayiphi na into, bavelisa inzuzo eyenza i-oscillates phakathi kwe-3% kunye ne-8%, Kuxhomekeke kwinqanaba lesolvency yabanikezeli bale mveliso yemali. Ngayiphi na imeko, linqanaba lenzala eliphakame kakhulu kunelo libonelelwa ziimveliso ezinengeniso esisigxina kwaye kunjalo nangeemveliso zebhanki (iiakhawunti ezinengeniso ephezulu, iidipozithi zexesha okanye iibhondi ezihlanganisiweyo). Apho kunqabile ukuba kugqithe kumanqanaba e-1,5% kwaye ezingonelisiyo kwimfuno zakho zokwenza imisebenzi ibe yinzuzo njengoko unqwenela.

Amanqaku odibaniso yenye yeemveliso ezingaziwayo zengeniso esisigxina yabucala. Akunjalo kuba bakude neenjongo zabatyali mali. Ukuba akunjalo, kutheni bengacingi nge ixesha elimisiweyo Ekukhutshweni kwabo kuba banokuya kwintengiso nangaliphi na ixesha kwaye kuxhomekeke kwiimfuno zenkampani. Ukubuya, abafumana ezi zindululo bafumana imbuyekezo kwimali ebolekiweyo. Zizinto ezinembuyekezo engagungqiyo ekhutshwe ngesaphulelo.

Amanqaku eshishini: ukukhula

Ukukhula kufutshane, ukusukela kwiintsuku nje ezimbalwa kwaye ukuya kwiinyanga ezi-24 malunga, elona xesha liqhelekileyo lokuqesha zintandathu, ezilishumi elinambini ukuya kuthi ga kwiinyanga ezili-16. Oku kubaluleke kakhulu kubafakizicelo abanokuthi bahlengahlengise eyona miba inqwenelekayo ngokuxhomekeke kwimfuno yokuthengiswa kwemali. Ewe kunjalo, yile migaqo kanye eyenza ukuba amanqaku othembiso kwezi mpawu abe neemveliso eziguqukayo kwiimfuno zakho zokwenyani zotyalo-mali kuba unokuziqhelanisa nalo naluphi na uhlobo lokukhula ngokuxhomekeke kwiprofayili oyivezayo njengomtyali mali omncinci nophakathi.

Ngayiphi na imeko, yimodeli yotyalo-mali ethe-ethe ngakumbi kunezinye ngenxa yeempawu zayo ezizodwa. Apho isisombululo seenkampani ezikhuphayo zale mveliso yezemali zidlala indima efanelekileyo kulungelelwaniso lwayo. Phakathi kwezinye izizathu, kuba ukuba bayatshona, imali etyalwe iya kulahleka kuba akukho sixa siqinisekisiweyo.

Zigutyungelwe ukuya kwi-100.000 euros

Kwimeko yedipozithi yekota apho ukuya kuthi ga kwi-100.000 euro ngediphozithi kunye nomniniyo zigutyungelwe kwiNgxowa-mali yesiQinisekiso seDiphozithi. Ngesi sizathu, kubaluleke kakhulu ukuhlalutya imeko yezemali yomnikeli wenqaku lesithembiso ukuze ungothuki ngaphambi kokuba liphelelwe. Ngokuchasene noko, esona siqinisekiso saso sikhulu sikwi-solvency kunye nokulingana kwesiqinisekiso sabakhuphi bayo. Kuba ngokwenyani, awuzukukhetha ngaphandle kokujonga kwinkampani oyalela kuyo imali yakho kuba kufuneka ibonelele ngaphezulu kwesolvency eqinisekisiweyo ukuze ungabinakho ukumangaliswa okungaphezulu kwesinye ukususela ngoku ukuya phambili.

Inzuzo iyafuneka engaphezulu koko kuveliswe yi Utyalomali olungenabungozi. Ingxaki enkulu ilele ngakumbi kwiinkampani ezincinci neziphakathi kunezo zinkulu. Isizathu kukuba akukho manqanaba azimeleyo ekusombululeni imali, njengoko kunjalo nakwabo banemali enkulu okanye abadweliswe rhoqo kwiimarike zesitokhwe. Ukuthintela naluphi na uhlobo lweziganeko ngale mveliso yemali, kuya kufuneka ukuba umba wayo ubhaliswe kwiKhomishini kaZwelonke yoThengiso lwezoKhuseleko (CNMV). Ukuba akunjalo, akusayi kubakho lunyango ngaphandle kokungathembani njengeyona ndlela iphambili yokuthintela.

Abakhupheli benqaku lesithembiso

Akukho lwazi luchaziweyo kwiprofayili eboniswe ziinkampani ezikhupha amanqaku ezithembiso. Imigca ephantsi kakhulu yokufaka imali kushishino isenokungabikho kwiibhanki kwabo badweliswe kwisalathiso esikhethiweyo sezabelo zaseSpain, Ibex 35. Kweli qela lokugqibela, ziinkampani zokwakha ezichonge ikakhulu ukukhutshwa kolu didi lwezokhuseleko. Ezinye zeenkampani ezidwelisiweyo ezisungule imveliso yezi mpawu zii-ACS, iAcciona, i-OHL okanye iSacyr. Ngembuyekezo eyahlukileyo ngokuxhomekeke ekukhupheni kwabo, nokuba bavela kwinkampani enye.

Okwangoku ungafikelela kwingxaki malunga nokuba kungcono tyala imali kwizabelo zakho Ngexabiso lemarike okanye ngokuchaseneyo ngemali ekuvunyelwene ngayo kunye nemali eqingqiweyo ngaphambi kokuqesha. Ngamanye amagama, ukufikelela kwizikhundla zezi nkampani, ayinakufikelelwa kuphela kumvuzo oguqukayo, kodwa nakwingeniso yabucala esisigxina. Nangona kunjalo, owona mngcipheko mkhulu ulele kwinto yokuba ukurhoxiswa kwangethuba kuyimfuneko kuba ukuthengisa kufuneka kwenziwe ngokusemthethweni kwimarike yesibini. Unemali encinci kakhulu, kunye nengozi yokuphulukana nenxalenye ye-capital.

Inzuzo ebonelelwa yile mveliso

Ngokumalunga nomdla obonelelwe ngala manqaku, akukho kufana kwizindululo ezinikezelwa ziinkampani. Kodwa ngokuchaseneyo, ukwanda kwinzuzo kuhambelana nomngcipheko ocinga ukuba umsebenzisi ubhalisile. Ngale ndlela, ezokhuseleko ezinomngcipheko omkhulu zinokuhlawula inzala kufutshane ne-8%. Ngelixa olu phawu lungekhoyo, into eqhelekileyo kukuba yehle ide ibe kuluhlu olusuka kwi-3% luye kwi-5%.

Umahluko obanzi kakhulu, phantse iipesenti ezintlanu zepesenti, uvela ngenxa yexabiso ekufuneka lithathelwe i ukwanda komngcipheko. Apho ukubonakaliswa okungaphezulu kuya kukhatshwa ngumdla onomtsalane wonyaka kwaye akukho mveliso ingeniso esisigxina inika ngeli xesha. Ukusuka kolu luvo ngokubanzi, kunjalo unokufumana iintlobo ezininzi zenzuzo kuba ayisiyomveliso ehambelana nayo, kude nayo. Ukuba akunjalo, ngokuchaseneyo, kuhamba ngumahluko obalulekileyo ngokwenzuzo evela kumanqaku enkampani. Ukuba sesinye sezikhuthazi ngalo mzuzu ungqo wokuqesha kwakho.

Ezinye iimveliso ezifanayo

Ngokubhekisele kwinzuzo yayo, imveliso yotyalo-mali efana kakhulu nesahlulo ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Hayi ngenxa yesakhiwo sabo, kodwa ngenxa yokuba zezona zinenzuzo ngalo mzuzu kuba bambalwa abanokukunika i-8% njenge inzala emiselweyo neqinisekisiweyo qho ngonyaka. Nangona kufanelekile ukwahlula iinkalo ezithile phakathi kwezi modeli zimbini zokwenza utyalomali. Kungenxa yokuba kwisahlulo umngcipheko ngokuqinisekileyo awukho kwaye uvela kwinto yokuba izabelo zidwelisiwe kwiimarike zezabelo.

Enye into ekufuneka ithathelwe ingqalelo phakathi kwezi mveliso zimbini zezemali yile ibhekisa kwifom balolonge amaxabiso akho. Kungenxa yokuba izabelo zichanekile kwisigqibo seemarike zezemali ngelixa, ngokuchaseneyo, amanqaku eenkampani alawulwa phantsi kweeparameter ezahlukileyo ezintsonkothileyo ekuqondeni okugqibeleleyo. Apho imingcipheko ihlala ifihlakele ngakumbi kwaye kwiimeko iphantse ibe yinyani enokukuchaphazela kwiimeko ezithile. Nangona kunjalo, kukhuselekile ukutsho ukuba amanqaku eenkampani yenye yezona zinto zingaziwayo kushishino lotyalo-mali. Ayothusi into yokuba yimveliso yezemali engadumanga kakhulu phakathi kwabatyali mali abancinci nabaphakathi.

Iinkampani ezingadweliswanga

Olunye lweempawu ezintle zamanqaku endibaniselwano kukuba akufuneki akhutshwe ziinkampani ezidweliswe kwiimarike zezabelo. Nangona oku kuyinto eqhelekileyo, ikwayiqela leenkampani ezisungula le mveliso ayidweliswanga. Kuba eyona nto ibalulekileyo yimeko eyiyo yeeakhawunti zakho zeshishini. Oku kwenza ukuba inkampani enesolvency encinci ikunike imbuyekezo ephezulu kunesiqhelo kwaye ichasene ngokuthe ngqo. Oko kukuthi, ngonqabiseko olukhulu, ikubonelela ngenqanaba lenzala elisezantsi kakhulu elingahlukanga kwaphela kunengeniso esisigxina ekunika yona okwangoku.

Ukuba ufuna ukwenza ikhontrakthi kolu hlobo lweemveliso, kuya kufuneka uye kwibhanki yakho yesiqhelo ukukwazisa malunga neenkampani ezinenqaku lesithembiso malunga nezi mpawu ezikhoyo ngelo xesha. Kuya kufuneka ukuba ubone ukuba zeziphi na iinkcukacha zabo kwaye uvavanye ukuba akukho lula ukuba uqeshe. Kwelinye icala, inenzuzo enkulu yokuba ayivelisi iikhomishini kwaye ayinazo neendleko kulawulo lwayo okanye kulondolozo. Kule meko, kuyinyani ukuba ungonga imali kulwakhiwo lwayo ngokubhekisele kwezinye iimveliso ezilungiselelwe utyalo-mali. Ngaphandle kwemirhumo enokubonelela ngayo nakweyiphi na indawo yokujonga. Kuba iyimveliso onokuthi ungayiqheli kakhulu ekusebenzeni kwayo.