Ukwahlula-hlulwa kunokuba yinto enomdla kakhulu ukuyifaka kwiiphothifoliyo zabatyali mali abancinci nabaphakathi kwimizuzu embalwa ukwanda kokungazinzi kunye nenkxalabo kwiimarike zezabelo. Ngokubonelela ngokungahambelani okungaphezulu kunye nokwahluka, kodwa ngaphezulu kwako konke ukuthengiswa kwemali kwiakhawunti yethu yokonga, ethi kunyaka olandelayo ibe lixabiso elongeziweyo kwaye ibaluleke kakhulu. Apho sinokufumana kwakhona kwilahleko esinokuba nayo kwikoteyishini yamaxabiso abo.
Kule meko ngokubanzi, kufanele kuqatshelwe ukuba ii-equity zaseSpain zezona ntengiso zinesisa xa usenza ezi ntlawulo kwiakhawunti. Ngomvuzo ophakathi kunye nonyaka osondele kakhulu kwi-5%. Ngaphezulu kwezinto ezininzi ezibonelelwa ziimveliso zezemali kwaye yintoni ebaluleke ngakumbi, ngendlela emiselweyo nengqinisisekayo minyaka le. Nokuba kwenzeka ntoni kwiimarike zezemali. Ukwenza esi sicwangciso sotyalo-mali sibe yimodeli eluncedo kakhulu kwezona meko zimbi kwimarike yemasheya kwaye ziya kuze zize.
Kuzo zonke izindululo zentengiso yemasheya ezihambisa lo mvuzo kubanini zabelo, siza kukhetha amaxabiso anokukhokelela kuhlobo inzala kufutshane ne-8%. Kodwa bakwazisa inkalo yezobuchwephesha entle kwaye bamema abatyali mali ukuba bavule izikhundla ukusukela ngoku. Ngokubanzi okunokubakho ukuphinda kujongwe okufuneka kuthathelwe ingqalelo njengokutsala kakhulu ngalo mzuzu. Olu ke lukhuseleko lwamacandelo ahlukeneyo kwiimarike zezabelo. Ngemigca yeshishini yazo zonke iintlobo kunye nendalo.
Isahlulo: Telefónica
Esinye sezona zindululo ziphakanyiswayo sesokugqwesa komnxeba kazwelonke ngokugqwesa. Emva kokuwa kwayo kokugqibela, ibixabisile ukuya kufikelela kwi-7%, ngentlawulo yonyaka ye-0,40 ye-euro ngonyaka nganye. Ukongeza, ngokwenxalenye elungileyo yabahlalutyi bezemali, ixabiso layo linokufikelela, ubuncinci i-euro ezingama-8. Kusenendlela ende yokuhamba, ukurhweba malunga nee-euro ezingama-6,50. Kwelinye lawona maxabiso aphezulu oonobumba besizwe. Ukungabonakali kwangaphambili ukuba ingawela phantsi ezantsi kunye nexesha eliphakathi. Oko kukuthi, kulungiswe kuwo onke amachibi ukwenza iphothifoliyo yakho elandelayo yotyalo-mali.
Ngelixa kwelinye icala, singekhe silibale ukuba le telecom ibalulekileyo yenye yezokhuseleko apho abatyali mali abancinci nabaphakathi bagcine imali abayigcinileyo ukubenza babe nenzuzo. Oko kukuthi, awuyi kuba nangxaki ekuhlengahlengiseni ukungena kunye nokuphuma kwamaxabiso kule nkampani. Ukuba yenye yeetshiphusi ezinkulu eziluhlaza kwimarike yasespain yaseSpain kwaye ke ayithambekiyo kakhulu ekuphuhliseni iintshukumo zobunzulu obukhulu, kwicala elinye nakwelinye. Ngaphandle kwento yokuba kumashumi eminyaka akutshanje iphulukene nezikhundla ukusuka kwi-14 ye-euro kumaxabiso ayo. Ngokwehla kwexabiso elingaphezulu kwama-50%, nto leyo eninzi kwimarike yemasheya.
IAG yeyokugqibela ukukhwela esikhepheni
I-airline yenye yeendlela ezizezinye kwimarike yemasheya ukufezekisa isabelo esinenzuzo enkulu ebusweni bento enokwenzeka kwiminyaka ezayo kwiimarike zezemali. Kuba, ngokurhweba ngokusondeleyo kwii-euro ezingama-4, isabelo sinokubanakho ukuphinda siqwalasele umdla onomdla kakhulu wokubandakanya kwipotifoliyo yethu yotyalo-mali. Nokuba ku ixesha elifutshane Kusindwe kukunyuka kwexabiso leoyile ekrwada kwaye inokuthatha ixabiso layo ukuya kuthi ga kwiidola ezingama-90.
Enye yeengxaki zayo kukuba elinye lamaxabiso achaphazeleke kakhulu kwiBrexit kwaye ngale ndlela inokunika isimanga esitsha kwiinyanga ezizayo. Kodwa endaweni yoko, kwaye ngenxa yesahlulo sayo esiphakamileyo, inokuba lithuba leshishini eliphakathi kwaye ngakumbi ixesha elide. Amaxesha apho inokuphinda iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde ibenakho ukujonga kwakhona, ngelixa inandipha esinye sezona zinabelo zininzi zisasazwe kwisalathiso esikhethiweyo sezabelo zaseSpain. Ke ngoko, kuya kufuneka sijonge i-IAG njengenye yeasethi yemali enokusenza sikwazi ukufumana imali ukusukela ngoku.
I-Endesa iklasikhi kwisahlulo
Inkampani yombane yenye yezo zibonelela ngeyona nzuzo ilungileyo kule ntlawulo kubanini zabelo, ngakumbi inzala kufutshane ne-7%. Ngelixa kwelinye icala, kufuneka kuthathelwe ingqalelo ukuba lixesha elifanelekileyo lokuba nezixhobo kwipotfoliyo yotyalo-mali kuba isebenza njengendawo yokusabela ngamaxesha okungazinzi okukhulu kwiimarike zezemali. Ukubheja okucacileyo zethuba eliphakathi nelide kuba ayizukubonelela ngotshintsho olukhulu kwixabiso layo kwaye le yinto ebaluleke kakhulu ekuthandeni abatyali mali abanesimo sokuzikhusela okanye sokugcina.
Ngayiphi na imeko, kuya kufuneka uyazi ukuba ukusukela kunyaka ka-2021 le nkampani ayisayi kwabela zonke iinzuzo zayo ekuhlawuleni izabelo. Ukuba akunjalo, ngokuchaseneyo, iyakuba yi-80% yabo kuphela, emva kwesigqibo esathathwa yibhodi kunyaka ophelileyo. Oku kuyadanisa okuncinci kubatyali mali abancinci nabaphakathi abaya kuyibona le ntlawulo icotha kule minyaka izayo. Kwinguqu kwicebo lenkampani lokuzama ukwandisa imigca yeshishini
ICaixabank yeyona bhanki inenzuzo enkulu
Ibhanki yaseCatalan yeyona inikezela ngesahlulo esiphezulu, kunye noSabadell, kwicandelo lebhanki. Ngomvuzo ophakathi kunye nonyaka we-7% kwaye loo nto yenza ukuba kube lula ekuthengeni ukufumana imali ngale ntlawulo kumnini zabelo. Ngaphandle kwento yokuba kweli hlobo, iitokhwe zazo ziye zehla zaya kufutshane kakhulu Amanqanaba ama-2 euros isabelo ngasinye. Ngale ndlela, iphucule kakhulu inzuzo yayo kulo mbono kwaye iyakwenza nakwezinye izinto ezikhuselekileyo ezinokuba yinxalenye yesikhundla sokhuseleko.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba kubonakala ngathi kumisile ukwehla kwayo kwintengiso yesitokhwe kwaye banokufumana imeko ephezulu ngaphambi kokuphela konyaka. Nangona ngaphandle kokubala kwimvumelwano elungileyo ezinayo iibhanki ezinkulu zaseSpain, ezinjengeBBVA kunye neSantander. Ngayiphi na imeko, enye yeenjongo zeCaixabank kukufikelela kumanqanaba ee-euro ezintathu ngeli xesha lifutshane. Ngaphandle kwazo zonke iingxaki elihamba kuzo icandelo lebhanki kwaye nangawuphi na umzuzu inokuphinda ijongane nokuthengisa okukhoyo ngoku.
I-ACS iphucula intlawulo yayo kubanini zabelo
Inkampani yokwakha kaFlorentino Pérez inyuse iqondo lenzala kwisahlulelo sayo kule minyaka idlulileyo ukuya kwi-6% yokucebisa. Ngaphandle koko, yakhe Inkalo yobuchwephesha ilungile kakhulu kwaye nangaliphi na ixesha inokuphinda iqhubeke nokunyuka kwayo, ngaphandle kokugweba ukuba ixabiso lezabelo zalo linokufikelela kumanqanaba asondele kakhulu kwii-euro ezingama-40. Emva kweFerrovial, le yinkampani yesibini yokwakha eqhuba kakuhle kwiimarike zezabelo.
Kuyimfuneko ukugxininisa ukuba, nje ukuba imeko yentengiso ilandele, inokuba lelinye lamathuba okuthenga. Zombini malunga nokuhlawulwa kwesahlulo sayo kunye nohlengahlengiso olunokuba nalo xa kuthelekiswa namaxabiso. Ayothusi into yokuba ingaqhutywa kukuvela kweekhontrakthi ezintsha ezinokubonelela ngenkuthazo entsha yokuvula izikhundla kwelinye lamaxabiso ecandelo lezitena ngokwesiko. Logama inkxaso enayo kwi-euro ezingama-30 ingalahleki, ngekhe kubekho buthathaka buncinci kwizikhundla zayo.
I-Enagás entloko kwisahlulo
Enye yeeklasikhi ezinkulu kulwabiwo lwezahlulo iminyaka emininzi, ukuya kwinqanaba lokubonelela ngembuyekezo kufutshane ne-8%. Ukongeza, ifumene uxinzelelo lokuthengisa olunamandla olukhokelele ekubeni kuthengwe amaxabiso anomdla kakhulu. Malunga ne-19 kunye ne-20 euro kwaye baya kuba nenjongo kwindawo yokuqala kwi-23. Eli lixabiso elamkelweyo ngabatyali-mali abakhetha esi sicwangciso sotyalo-mali, esidityaniswe ngokubanzi kwiprofayili ekhuselekileyo okanye ekhuselayo. Njengakwenye inkampani kwicandelo, njengoko kunjalo imeko yeRed Eléctrica Española.
Ngenye yezona zindululo zokuzikhusela zikhona ngalo mzuzu, kodwa kule meko ngoncedo lokuba inokubaluleka kokuphononongwa kwakhona ngenxa yokusikwa okwenziwe ngeli hlobo. Ngayiphi na imeko, yonke into ibonakala ibonisa ukuba ngezikhundla zabo banamathuba amaninzi okwenza imali kunalahleko. Oko kukuthi, umngcipheko ubonakala ngathi ulawulwa kakuhle kakhulu kwimeko yokuvula izikhundla kukhuseleko. Ayothusi into yokuba inenkxaso ethembekileyo kwii-euro ezingama-18 kwaye inokuthintela ukuwa ngokuthe nkqo ngokuthe nkqo. Njengesixhobo sokukhusela esinokunceda abatyali mali. Logama inkxaso enayo kwi-18,50 ye-euro ingalahlekanga, ngekhe kubekho buthathaka buncinci.