Amaxabiso ashushu kwimarike yaseSpain

Ukufika kwentwasahlobo kuchaphazele neemarike zezemali. Ukuya kwinqanaba lokwenza uluhlu olubalulekileyo lwezinto ezishushu kwimarike yesizwe. Oko kunokukwenza ulahlekelwe yimali eninzi ukusukela ngoku. Kodwa ngenxa yesizathu esinye, banokumela amathuba okwenene eshishini yenza imali ngempumelelo imali yakho. Kwiimeko ezininzi ezi meko zibangelwa zezabo ubuthathaka beshishini. Kodwa ayisosizathu kuphela, kodwa iintshukumo zeshishini ziyanceda ekubumbeni imeko ekhethekileyo phakathi kwamaxabiso esitokhwe.

Iya kuba luncedo kakhulu kuwe ukubona ukuba ngawaphi amaxabiso ashushu ngeli xesha. Kwimeko enye, ngeyona njongo iphambili yokuyeka izikhundla zakho ukunqanda ilahleko kulawulo lwengxelo yakho yengeniso ukusukela ngoku. Kodwa hayi kwabanye, kunokukunceda ukuba uqale unxibelelwano lokuqala kunye neemarike ze-equity ukuza kuthi ga ngoku kulo nyaka. Kusenokwenzeka imisebenzi enenzuzo kakhulu kwiminqweno yakho, kodwa okoko nje uzimisele kwaye ngaphezulu kwegazi elininzi elibandayo. Kuba mininzi imingcipheko oyithathayo xa uthenga izabelo zabo.

Ukusuka kwicala elilungileyo, ungasoloko usebenzisa le maxim apho abatyali mali abanethemba kwiimarike zezemali bechaza ngayo. Ngengqiqo yokuba kufuneka uzuze ngaphezulu kokulahleka. Kukho isizathu esilula kakhulu sokuchaza le meko ingaqhelekanga. Ayikho enye ngaphandle kwamaxabiso asezantsi apho amanye amaxabiso ashushu kwimarike adwelisiweyo. Ngezaphulelo ezingaphezulu kwe-50% kumaxabiso abo oqobo. Kwinto ehambelana nokubheja okuhendayo ukuba uvule izikhundla ukusukela ngoku. Ngaba uyafuna ukwazi ukuba zeziphi ezizezinye zala maxabiso ashushu abakho kwizabelo zeSpanish? Ewe, qaphela kuba bambalwa.

Izitokhwe ezishushu: IBanco idumile

Ngaphandle kwamathandabuzo, elona xabiso lishushu kwimarike yestokhwe sikazwelonke ngeli xesha lonyaka. Ukuza kuthi ga kwinqanaba lokuba izabelo zalo sele zirhweba ngaphantsi kweyunithi ye-euro. Ukuphelelwa lithemba kwabo batyalwe kwiqela lezemali nabaye babona ukonga kwabo kwehla kwiinyanga. Kude kube kufikelelwe kumanqanaba kunzima ukuthelekelela uninzi lwazo. Ngelixa iifayile ze Umzingeli weengxoxo Baye bakhathalela uthungelwano lwabo kweli xabiso ukuqala ukusebenza kwabo nangaliphi na ixesha ngenjongo yokufumana inzuzo ebalulekileyo. Okanye ubuncinci yeyona njongo yayo iphambili.

Ngokoluvo lweengcali zemali, isisombululo seengxaki zeBanco Popular kubandakanya iindlela ezimbini ezichazwe kakuhle. Omnye wabo uhlala ekufezekisweni kokubalulekileyo ukwanda kwemali. Nangona bengazi ukuba iimeko zabo ziya kuba njani kwaye bazakuphela buchaphazela njani umdla wabatyali mali abancinci nabaphakathi. Elinye lamaqhosha okucacisa ukuba lixesha lokufaka eli xabiso linzima ngeli xesha. Ayothusi into yokuba unokumisela ukuvela kwezinto zakho kwikamva elikude kakhulu.

Enye yeemeko ezivela kwiziko lezemali kukuba kungenzeka ukuba lifunyanwe lelinye iqela lezemali. Nkqu nakwi amaqela emarike yemasheya Kwathiwa iqela elikhulu lebhanki lesizwe linomdla kakhulu ekusebenzeni kweshishini. Ngaba le meko inokuyichaphazela njani iminqweno yakho njengomtyalomali omncinci nophakathi? Ewe, okwangoku ayinakuxhaswa ngesicwangciso esithile, kude nayo. Kuya kufuneka silinde ukuba iimeko zaziwe ukuba ngaba le meko intsha ifikelelwe ekugqibeleni kwicandelo leebhanki lelizwe lethu.

Ngayiphi na imeko, zininzi izinto ezingaziwayo ezinikezelwa yiBanco ngoku, ukwenza isigqibo ngokusebenza kwezabelo zayo. Nangona i-priori inokuba sisilingo ngenxa yamaxabiso asezantsi apho izabelo zawo zidwelisiwe. Ngayiphi na imeko, le meko inokuhlala isiba mandundu ukuba izisombululo zale ngxaki zinobunzima kwiiveki ezizayo.

Isniace phantsi konyuso lwenkunzi

Nangona kukhuseleko olunqabileyo oluncinci, eneneni lulandelwa kakhulu ngabatyali zimali zentengiso. Ingakumbi yintoni imisebenzi yabo eyabela elona xesha lifutshane okanye kunye noqikelelo. Ukunyuswa kwemali ayilunganga kubantu esele bemi kwezi nkampani kuba kwixesha elifutshane izakuvelisa ukuxutywa kumaxabiso abo. Ubuncinci kwixesha elifutshane kwaye ucinga ukuba ungazilanda izikhundla zakho ixesha elide lokusisigxina.

Nangona kunjalo, kubonakala ngathi amandla ayo aphezulu awunamtsalane kakhulu ekuvuleni izikhundla. Inenye yeenjongo zayo ezikufutshane kwi- amanqanaba asondele kwisiqingatha se-euro ngesabelo ngasinye. Ukongeza, ayinakho ukuzola imeko yezorhwebo eya kuthi ixhomekeke kakhulu kwimigca yetyala enikezwe ziibhanki kwimodeli yayo yeshishini. Ngale ndlela, ukuvela kwayo kwimarike yemasheya kunxulunyaniswa neendaba malunga nokufakwa kwayo kwiimarike zezemali.

UAbengoa kwindlela enqamlezayo

La Uhlengahlengiso olutsha lwenkampani Kuluhlu yenye yezona ziganeko zichaphazelekayo kwesinye sezona sitokhwe sinesibindi ngalo mzuzu. Kodwa ngothotho lweenkcukacha ezinokuthi zinciphise ibhalansi kwicala elinye okanye kwelinye. Kodwa okwangoku iyazibonakalisa njengenye yeebhejethi ezisebenzayo kwizabelo kwimarike yaseSpain eqhubekayo. Ngamathuba amakhulu okufezekisa ngaphezulu kokuzuza kwemali eyinkunzi, kodwa ngothotho lwemingcipheko ehlala ihleli phakathi kwabatyali mali abancinci nabaphakathi.

Ngale ndlela, kuyacaca ukuba ezimbini zeefayile ze- Iibhanki ezinkulu zaseSpain (USantander noSabadell) bakhethe ukunciphisa okanye ukuphelisa ngokupheleleyo ukuthatha inxaxheba kwabo kumzi mveliso weSevillian emva kokugqiba inkqubo yohlengahlengiso. Esi siganeko sinokuthetha ukuba izabelo zale nkampani ziyaqhubeka nokulungiswa kwiintsuku ezizayo. Kude kube kohlwaywa izikhundla zabanini zabelo ngoku. Enye into eyahluke kakhulu yile inokwenzeka phakathi kwabatyali mali abatsha ukusukela ngoku.

I-Bavaria kwimimandla yeenkomo

Ukuba kukho elinye lamaxabiso ashushu kwimarike yezemali, ayikho enye ngaphandle kwale nkampani yezonyango. Isizathu sakhe kungenxa yenkxaso eyomeleleyo ayifumeneyo emva kweentshukumo zangoku zenkampani. Ewe kunjalo, iqela lezeshishini belijolise kwisicelo samva nje nesinomdla seqela laseTshayina iAier Eye. Ukuza kuthi ga ngoku ukuba ithenge inkampani ekusebenzeni okuxabisa i-170 yezigidi zeerandi.

Impendulo yabatyali mali kufuneka iboniswe kwiintsuku ezizayo kwaye mhlawumbi baya kunika umkhondo obalulekileyo malunga nento oyenzayo nale asethi yemali. Ukuvala okanye ukuvula izikhundla ngokusekwe kulindelo oluveliswe leli xabiso. Okwangoku, ulindelo lulungile ukufaka isikhundla sabo kwimarike yemasheya. Nokuba ku ngononophelo oluthile ukuthatha isigqibo ngokukhawuleza okanye ukucinga kancinci.

Awunakho ukulibala, ngokuchaseneyo, ukuba yenye yezona zinto zishushu kakhulu kwizabelo zamazwe, kodwa zinembali eyingozi kakhulu. Akunanto, ngaphezulu kwe-50% ishiywe kule minyaka ilishumi. Ukuza kuthi ga kwinqanaba lokuba yenye yeendawo ekubhejelwa kuzo imarike yesitokhwe ethe yaqhuba kakubi kakhulu kwi-Ibex Medium Caps. Awusenaso esinye isisombululo ngaphandle kokucamngca nzulu ukuba kuya kuba kufanelekile ukuthatha umngcipheko nokuthatha izikhundla kubanini zabelo.

Imidlalo, phakathi kwezona zicetyiswayo

Ngaphandle kokonyuka kule minyaka idlulileyo, iMidlaloa iyaqhubeka ukuba yenye yeetokhwe eziphambili kwimarike yaseSpain. Kwaye ungayenza ngokuchanekileyo ukuba sibambelela kwizindululo esizinikwa yiBhanki. Ngale ndlela, inokwenza okuninzi kutshanje ukudibana ne-Nokia kwaye oko kunokwenza enye into ebalulekileyo yokutsala kwiinyanga ezimbalwa ezizayo. Omnye wemeko esisekwe kuwo esi sigqibo sisekwe kwinyani yokuba ukuchitha imali kolu hlobo lweenkonzo ezinikezelwa yiMidlaloa kuya kuphucula ngaphezulu kunokuba bekulindelwe kulo nyaka. Ngamathemba angcono alo mgca weshishini kunonyaka nje odlulileyo.

Nangona kunjalo, inomqobo omkhulu wokunyuka ngokuthe nkqo iminyaka eliqela. Ayothusi into yokuba kukho abatyali mali abaninzi kule nkampani boyika ukuba izilungiso inokufakwa kwakamsinya kunokuba kamva. Kwaye banokuphulukana nezikhundla zabo ezivulekileyo kwaye mhlawumbi nangaphezulu kweyona ndlela ibaluleke ngakumbi. Nokuba yeyiphi na indlela, kuya kuba yimfuneko ukuba ujonge ukuvela kwamaxabiso abo.

Njengoko sele ubonile, unamaxabiso ashushu ngakumbi kunokuba ungacinga kwasekuqaleni. Hayi ngenjongo yokuthatha izikhundla, kodwa okomzuzwana ukuya ubenazo kwiradar yokusebenza kwakho ukwenza ukonga kunenzuzo. Emva kwezi ntsuku zeholide uya kuba nempendulo kwisicelo sakho. Ngandlela thile kwenye, oko kukuthi, ukuthenga nokuthengisa izabelo zeenkampani. Apho kuya kufuneka uthathe isigqibo malunga nokuba yeyiphi eyona nto ilungele iimfuno zakho.

Ewe, izindululo azizukulahleka kwimarike yaseSpain. Eminye kwimilebe yomntu wonke, okubi ngakumbi ezinye ziyinyani okanye ubuncinci ezo ubungenazo ekuqaleni kwalo nyaka mtsha wokurhweba.