Kunyaka ophelileyo kuye kwakho amaxabiso apho uye wakwazi ukufumana awona mabhaso aphezulu kulondolozo lwakho. Ukufikelela kwi-100% kwezinye iimeko. Elinye lawona matyala amelweyo ibiyiMidlaloa, izabelo zazo ezixabise ngaphezulu kwembuyekezo yesiqhelo kwiimarike zezabelo. Ewe, njengale meko, baninzi abaya kuvela kulo nyaka osandula ukuqala. Ungathandabuzi ukuba amathuba amatsha eshishini aya kuvela. Into enzima ngokwenene iya kuba kukubalindela kwangaphambili.
Elinye lamaqhinga onokuthi uwaphuhlise ukusukela kule nyanga kaJanuwari kukwenza ukuba ukonga kwakho kunenzuzo phantsi kwepesenti enoburharha. Ayisiyonto ilula ukuyiphuhlisa, kodwa ngolwazi oluthile kunye nethamo elihle lethamsanqa uya kuba nakho ukuzalisekisa le minqweno kudala uyilindile onayo kulomsebenzi wokutyala imali. Kunjalo Amathuba ongayi kuwaphosa. Kuya kufuneka uchane kuphela xa ukhetha ipotifoliyo yakho yotyalo-mali. Elona candelo linzima ukulenza ngokusesikweni kula maxesha.
Ubuncinci kuya kufuneka usondele kule midlalo ngehlombe elikhulu kwaye unoluvo lokuba ayisiyonto ingenakwenzeka. Nokuba iimarike zezabelo azenzi kakuhle njengoko bekunqweneleka. Kule nto, kuyakufuneka oko uqala unyaka ngetyala kwiakhawunti yakho yokutshekisha. Okukhona umkhulu umncono, kokukhona uya kuba ngcono amathuba akho okuba ngusozigidi ngokubulela kwiimarike zezemali.
Iimpawu zokuziphatha ekufuneka zithathelwe ingqalelo: I-Bankia
Ngaphandle kokungabikho kwelinye lamaxabiso ekunokwenzeka ukuba liphuhlise iimpembelelo ezinkulu kwixabiso lalo, kunokuba njalo isimanga esikhulu yintoni enokuthi iziswe ngu-2017.Bonke abalamli ababalulekileyo kwezemali bajonge ukuvela kwezenzo zabo. Ukuza kuthi ga kwinqanaba lokuba ezinye zeearhente zezoqoqosho zikunika ixabiso elijolise kufutshane kakhulu nee-euro ezimbini ngesabelo ngasinye. Ke ngoko, ukubanakho ukuxabisa kubaluleke ngaphezu kokubaluleka. Ngaphezulu kwamanye amaxabiso kwimarike yaseSpain, kwanezo zithathwa njengokuqikelela.
Okwangoku, izabelo zeli qela lezemali zikumanqanaba eerandi ezingama-0,90 ngesabelo ngasinye. Ngenxa yale meko kwiimarike, i-Bankia inokukhulisa amandla anyukayo aya kuthi ayise kumanqanaba anzima ngakumbi. Logama iiakhawunti zakho zeshishini zihlala zinje. Ngale ndlela, ezinye iingxelo kumaphephandaba aphesheya ziye zabeka eli ziko lezemali yenye yezo izindululo ozithandayo ukuthatha izikhundla ngeli xesha. Ukuya ekubeni yenye yeebhanki ezibi kakhulu kwimarike yesitokhwe kuzwelonke uye kweyona nto iphakanyiswa kakhulu kukuvula izikhundla ngomsindo.
Ukuba ungumtyalomali oneprofayili yokuzikhusela, le inokuba yenye yezona zinto zibhejethi zinenzuzo onokuzenza kwizabelo zamazwe akhoyo. Ngethuba lokuba unokuba nenzuzo ekhethekileyo. Ixesha lokuhlala unyaka omnye, ngokuchanekileyo leyo unayo ngoku phambi kwakho ukuba uqala ukuthenga kuqala. Ngayiphi na imeko, ukuba ekugqibeleni esi sisigqibo sakho, ngokuqinisekileyo kukho okungakumbi onokukufumana kunokulahleka. Ngemeko yangoku yenkampani yebhanki.
I-Arcelor okanye umzuzu wenyaniso
Omnye wabaviwa ukuba abe yinkwenkwezi enkulu kwimarike yaseSpain ngo-2017 ngokungathandabuzekiyo le nkampani yensimbi yamazwe ngamazwe. Ibe lelinye lamaxabiso ohlwaywe kakhulu kule minyaka idlulileyo. Ngokukodwa okoko kwaqala ingxaki enkulu yoqoqosho ka-2007. Ukuya ngaphezulu kwama-euro angama-30 apho izabelo zabo zathengiswa zaya kwi-euro ezintathu. Njengoko ubona, esinye sezohlwayo eziqatha ezikhunjulwayo ixesha elide. Okwangoku ixabiso layo lisondele kakhulu kumanqanaba ee-euro ezingama-6.
Abakho abahlalutyi bezemali abambalwa ababonisa ukuba elona xabiso lalo kule minyaka izayo lisondele kakhulu kwii-euro ezingama-15 ngesabelo ngasinye. Ukusuka kolu luvo, inokubaluleka okuphezulu kakhulu ngaphambili. Ngayiphi na imeko, iya kuba yi- Isindululo sotyalo mali ngakumbi nangakumbi Kunangaphambili. Kwaye kunye nemingcipheko ephezulu efihlakeleyo. Ngokwenxalenye njengesiphumo somgca wengxabano kushishino. Akumangalisi ukuba ukuvela kwamaxabiso abo kuxhomekeke kubukho bomjikelo wokukhulisa onamandla kakhulu. Yenye yeemfuno zokuphuhlisa inani elomeleleyo lokuqhubela phambili ukusukela ngoku.
Iicarbures phantsi koqikelelo
Ukuba injongo yakho kukuqikelela, ngaphandle kwamathandabuzo oku kunokuba lelinye lamaxabiso onokukhetha kuwo. Ngobuninzi obubonakalayo obenza ukuba kube nakho ukubonisa Ukuhla kwamaxabiso abo ngaphezulu kwe-6% kwiseshoni efanayo yorhwebo. Enye yezona zinto ziphambili kukuba yimeko yeentshukumo zeshishini yingxowa mali yotyalo mali. Ukukhuthaza ukuba kunqunyanyisiwe kurhwebo kwiintsuku ezimbalwa ezidlulileyo. Ngokuqalwa okubonakalayo konyuso lwenkunzi olunokumisela ukuvela kwalo kwii-equities kwiinyanga ezizayo.
Phakathi kwezinto ezinokubakho kukuba amaxabiso ayo anokuqengqeleka ngendlela eqhuma kakhulu. Kodwa ngomngcipheko ongaphezulu kokufihla okunokwenzeka, ngokuchasene notshintsho lwabanini zabelo. Izikhundla zinokuthathwa kodwa ngononophelo olukhulu ngenxa yeempawu zeli xabiso likhethekileyo. Yintoni egqithisile, urhwebo kwezinye iimarike okwesibini yintoni egqiba ngesicwangciso ekufuneka usisebenzisile. Ngokwenyani lukhetho olunobungozi onalo ngoku ukwenza ulondolozo lwakho lube nenzuzo enkulu. Oko kukuthi, ngembuyekezo ebaluleke kakhulu.
Zonke izindlu nomhlaba ngokubanzi
Eli candelo lifanelekileyo kuqoqosho lwaseSpain linokuba lelinye ukubheja kwakho kulo nyaka. Ukukhuthazwa lithemba elilungileyo kwimigca yakho yeshishini. Kwaye oko kungakhokelela kwiinkampani ezincinci kweli candelo ukuba zikwazi ukuphinda-phinda amaxabiso azo. Ngoncedo lokuba unokonwabela ukunikezelwa okubanzi kwezi nkampani. Ngokusebenzisa i- Umahluko kwiimodeli zabo zeshishini ezikunceda ukwakha ipotifoliyo yakho. Ngezindululo zazo zonke iintlobo kunye nendalo eyahlukileyo. Akumangalisi ukuba lelinye lawona macandelo asebenzayo kwezemali kweli. Ngaphezulu kwasebhankini okanye yombane.
Ukuvuselelwa kwakhona koqoqosho lwesizwe kungathatha ixabiso lezabelo zalo kumanqanaba amatsha aphezulu kunasekupheleni kowama-2016. inokubangelwa kwezinye iimeko. Ngokuqwalaselwa ngokukodwa ziinkampani ezincinci, ngokokutsho kwabahlalutyi abaninzi beemarike, urhwebo ngezaphulelo kwixabiso labo. Ngayiphi na imeko, ezi xabiso zisenokuba zezinye zeepotifoliyo zakho zotyalo-mali ukusukela ngoku. Unokufumana ngaphezulu kokulahleka, nangona bengaxolelwanga kwimingcipheko ethile ekuqeshweni kwabo.
I-Técnicas Reunidas inokulayisha ngaphezulu
Ukuba kukho inkwenkwezi kwizabelo ngoku, ngaphandle kwamathandabuzo yenye yezona nkampani zichaphazelekayo ekuveleni kwexabiso layo. Kungenxa yokuba, emva kokumakisha umhlaba ngoFebruwari odlulileyo emva kokwenza isilumkiso senzuzo ayiphelanga kwizikhundla zayo kwiimarike zezemali. Ukuya kwinqanaba lokuba kukwindlela elungileyo yokujongana nomqobo we-40 euro ngesabelo. Apho uzinzo kwimarike yeoyile iza kakhulu kwinkampani. Ukuvula iingcango ezintsha kwindawo yayo engenasiphako.
Awunakulibala ukuba ayikayeki ukunyuka kuwo wonke unyaka ophelileyo. Olunye lolona vavanyo lubalaseleyo lwentengiso yeestokhwe yaseSpain. Ngaphezulu kwamanye amaxabiso afanelekileyo eparadesi yaseMadrid. Kodwa ukubonakala kwayo kubonakala ngathi akuphelanga. Hayi kangako. Oko ubuncinci kukhetho lwabahlalutyi ababaluleke kakhulu kwii-equity zaseSpain. Bacinga ukuba ungaqhubeka nokwenza kakuhle kwezi nyanga zimbalwa zizayo. Ungcono kunezinye izindululo, de kwalatha kweli nqaku.
I-CAF ngamaxesha onke aphezulu
Inkampani yobunjineli yi Ityala elifanayo nelangaphambili. Ngotshintsho olufanayo kumaxabiso abo njengoko kunokubonwa kwiigrafu zabo. Kwaye kunye neevoti ezininzi zokuqhubeka nokwenza kakuhle ngokukodwa kulo msebenzi mtsha wentengiso yemasheya. Ayinakulahleka, nokuba kukwiphothifoliyo yakho yotyalo mali. Nokuba yeyiphi na iprofayile yakho njengomtyalomali omncinci nophakathi.
Ukugqitha kobukhulu bayo bonyaka kubandakanyiwe, kumanqanaba asondele kwi-euro ezingama-36 ngesabelo ngasinye Yenye yesiqinisekiso sokuba kufuneka iqhubeke nokunyuka kwayo. Nokuba kunokwenzeka ukungena kumfanekiso ukwanda ngokukhululekileyo. Enye yezona zinto zilungileyo ukuba isitokhwe sinokuhamba. Hayi ilize, ayisayi kuphinda ibe nokuchasana ngakumbi ukuqhubeka nokukhula. Ukuya kuthi ga kumanqanaba angakhange acingelwe ziingcali ezininzi kwiimarike zezabelo.
Ngaphandle kwamathandabuzo, inokukunika ngaphezulu kovuyo olunye kwezi nyanga zimbalwa zizayo. Ngokwexabiso elizinzileyo ngokuqinisekileyo kwaye loo nto ayiniki loyikiso olukhulu kubatyali mali. Kwaye oko kusasaza isahlulo kwizabelo kubanini zabelo ngenzuzo ejikeleze i-5%. Inkuthazo engakumbi yokuba wamkele ukuthenga izabelo zabo. Kwixesha elide, lelona xesha libonisa ukuba ukonga kwakho kunenzuzo. Ngaphandle kokungazinzi okugqithisileyo kwikoteyishini yamaxabiso ayo.