Silondoloza phi imali esiyigcinileyo? Lo ngumbuzo obalulekileyo ukucacisa ukuba yeyiphi imephu yotyalo-mali kwilizwe lethu. Ukubonisa ukuba yeyiphi imikhwa yethu enxulumene ulawulo lwemali kwaye zeziphi iimveliso zezezimali ezonwabela eyona nto ithenjwe kakhulu ngabatyali zimali abancinci nabaphakathi. Akumangalisi ukuba ukuphendula yonke le mibuzo kuya kunceda ukucacisa ezinye zezinto ezinxulunyaniswe necandelo lotyalo-mali.
Ngokwe-'I Popcoin Investment Barometer ', umphathi we-Bankinter wotyalo-mali lwedijithali, i-94% yabantu baseSpain bakubona kubalulekile ukuba babe nebhanki yokuxhasa utyalo-mali lwabo. Apho, iimali zepenshini (45%) kunye nezotyalo-mali (44%) zombini iimveliso zezemali ezikhethwa ngabemi. Le ngxelo ikwabonisa ukuba abathandathu kwabalishumi abasindisi baseSpain abaphakathi kweminyaka engama-25 ukuya kwengama-44 bakhetha iindlela zedijithali zotyalo-mali ngaphezu kobuso nobuso.
Inqaku elothusayo ngakumbi kolu hlalutyo kukuba ngaphakathi kweemveliso ezimbini zemali kunye nokuchongwa kwangaphambili Abahlanguli ababandakanyi ukuthenga nokuthengisa izabelo kwiimarike zezabelo. Into, kwelinye icala, inengqiqo ngokupheleleyo kwaye iyaqondakala kumzuzu wokudibana apho imarike yemasheya ingekho kwimeko yayo efanelekileyo. Asinakulibala ukuba kunyaka ophelileyo, iimarike zamasheya zamanye amazwe zehle ngexabiso eliphakathi nge-15%. Ngobunewunewu obuye babuyela kwiimarike ngamandla akhethekileyo kunye nokuqina.
Iprofayile yabasindisi baseSpain
Njengoko le ngxelo yecandelo ibonisa, i-71% yabasindisi baseSpain ngabatyali mali kwaye basasaze, phakathi kweemveliso ezahlukeneyo zemali, imali eyinkunzi phakathi kwama-1.000 nama-50.000 euros. Esi sesinye seziphetho eziphambili ze NdinguParcoin woTyalo mali lweBarcoinUmphathi wotyalo mali lwedijithali.
Kolu luhlu, iipesenti ezingama-34 zaba batyali mali baqinisekisa ukuba banemali ebekiweyo phakathi kwe-1.000 kunye ne-10.000 euro, ngelixa i-37% ibanga ukuba ikuluhlu oluphakathi kwe-10.000 kunye ne-50.000 euro. Xa bebuzwa malunga notyalo-mali abalwenzileyo ngamaxesha athile, ukuya kuthi ga kwi-500 euros kwi-60% yamatyala, ngelixa i-20% yabatyali mali inikezela igalelo elingaphezulu kwe-1.500 euro.
Uncedo lotyalo mali
Esinye sezigqibo zeBarometer sigxile kwinto yokuba abantu baseSpain bajonga inani lomphathi oqeqeshiweyo njengelichaphazelekayo xa utyala imali, njengoko kungqinwa yinto yokuba i-93% yabo baphononongiweyo bakholelwa ekubeni kubalulekile ube nomphathi ukukunceda uthathe isigqibo kunye nokubonelela ngeendlela onokukhetha kuzo kutyalo-mali lwakho. Ayothusi into yokuba uninzi lweelahleko eziveliswa kwiimarike zezemali zibangelwa kukungazi imveliso okanye inkonzo enikezwe ikhontrakthi ngebhanki.
Ngale ndlela, kunye nokongeza ngakumbi okanye ukomeleza ukuthembela kwiinkonzo zolawulo, abaphenduli nabo baxabisa ngokuqinisekileyo ukhuseleko lokuba nalo yibhanki exhasa utyalo mali olwenziweyoKuba iipesenti ezingama-94 kubo bathi le nto ibalulekile kubo xa besenza isigqibo sotyalo-mali.
Uninzi lweemveliso ezinesivumelwano
Esinye sezigqibo eziphambili ekufikelelwe kuzo yile ngxelo kukuba ngabo iimali zotyalo-mali kunye neengxowa-mali zepenshini, Iimveliso ezikhethwa ngabasindisi baseSpain. Ngale ndlela, kucacile ukuba ngokubhekisele kwiimveliso zotyalo-mali oluthandwayo lwabantu baseSpain, ingxowa-mali yomhlala-phantsi (i-45%) kunye nengxowa-mali yotyalo-mali (44%) ibonakala njengezona zikhethwayo, ngaphezulu kwazo zonke iimveliso zezemali ezinje, umzekelo, izitokhwe (35%). Ukutolikwa kolunye olu datha kukuba kukhula umdla ekulindeleni into enokwenzeka kwiminyaka yomhlala-phantsi.
Kwelinye icala, ubunzima bezemali zotyalo-mali kubaluleke kakhulu kuluhlu lobudala ukusukela kwiminyaka eli-35 ubudala. Ke, i-50% yabatyali mali phakathi kweminyaka engama-35 nama-44 yeminyaka iya kule mveliso. Kwiqela leminyaka yobudala eliphakathi kwe-45 kunye ne-54, ipesenti ime kwi-45%, kwaye ukuya kuthi ga kwi-53% yabatyali mali ngaphezulu kweminyaka eyi-55 yeminyaka babeke inxenye yolondolozo lwabo kwingxowa mali. Umahluko obanzi uxhomekeke kubudala babafaki zicelo bezi mveliso zezezimali, nokuba zithini indidi kunye nemeko.
Inzala kwisivumelwano se-Intanethi
Ingxelo ikwagxininisa enye inyani ebalulekileyo kwaye kukuba ijelo 'kwi-Intanethi' linobunzima obukhulayo phakathi kokukhethwa ngabasebenzisi abakolu didi lweemveliso zemali. Kwelinye icala, i NdinguParcoin woTyalo mali lweBarcoin Ikwafumanise imeko enyukayo kutyalo-mali lwedijithali. Ngale ndlela, iipesenti ezingama-55 zabantu abatsha abaphakathi kweminyaka engama-25 nama-34 ubudala bakhetha tyala imali online, ngelixa i-32% kuphela inokukhetha ukutyelela i-ofisi ngobuqu.
Olu luhlu, oluqinisekisa ukuguqulwa kokukhethwa kwezentlalo kwiinkonzo zedijithali ezinje abacebisi, Abaphathi botyalo-mali online, Ikwaphindaphindwa kwiqela lobudala eliphakathi kweminyaka engama-35 nengama-44, apho kusetyenziswa i-46% iindlela zedijithali ukwenza isigqibo ngendawo abayigcinileyo, ngelixa i-43% ikhetha eyokwenyama. Le yindlela yokulawulwa kwemali ekhula kancinci kancinci kwaye ifikelela kumanqanaba aphezulu, ikakhulu ngenxa yobukho babasebenzisi abancinci.
Inqanaba lokufunda nokubhala kwezemali
Alithandabuzeki elokuba inqanaba lolwazi lwezezimali yenye yezinto ezichazayo ekukhetheni okanye ekubhaleni imveliso yemali, nokuba yeyiphi na. Ngale ngqiqo, ingxelo ibonisa ukuba oku kukhetha amajelo online Kukwacacisiwe xa kuvavanywa, ukongeza kubudala, inqanaba lolwazi lwezezimali abemi abanalo: elona nqanaba liphezulu lolwazi, kokukhona utyalo-mali lukhulu. ngamajelo edijithali.
Ngokwedatha ye NdinguParcoin woTyalo mali lweBarcoin, Iipesenti ezingama-58 zabasindisi bathi banolwazi oluqhelekileyo, oluqonda ngalo iikhonsepthi ezisisiseko, ezinje ngentsingiselo yesabelo senkampani edwelisiweyo, amaxabiso enzala okanye ingxowa mali. Ngokwabo, iipesenti ezingama-23 zibanga inqanaba eliphezulu lolwazi, amagama okuqonda anjengobungozi, ukutyalwa kwemali okanye ukulahleka kwexabiso.
Okokugqibela, yi-5% kuphela yabantu ekwenziwa udliwano-ndlebe nabo abathi bayaziqonda iintsingiselo ezinzima ngakumbi kunangaphambili kwaye i-14% yabo ibonisa ukuba abanalo ulwazi lwezemali. Ke, abo banolwazi oluphezulu okanye oluphezulu kakhulu, bayicacise indlela abakhetha ngayo amajelo e-intanethi xa betyala imali, ngokukodwa, ama-56% kunye nama-60% ngokwahlukeneyo. Ukushiya ngokucacileyo ukuba yintoni i- iprofayile evezwe ngumsebenzisi Okwangoku kwaye loo nto icacisa ukuya kuthi ga kwinqanaba lokuba kutheni ezinye iimveliso zezezimali zinikwe ikhontrakthi zokonakalisa ezinye.
Iimali zotyalo-mali, phezulu
Akumangalisi ke ngoko ukuba imali yotyalo-mali yenye yeemveliso zotyalo-mali ezikhethwe yiSpanish. Oku kuboniswa nguMbutho wamaZiko oTyalo-mali aHlanganisiweyo kunye neNgxowa-mali yomhlala-phantsi, engqina ukuba ngaphandle kwe imbuyiselo engaphelelanga Kwiinyanga ezidlulileyo, imali yotyalo mali ivale unyaka ophelileyo ngobhaliso lwe-net efikelela kwi-8.410 yezigidi zeerandi.
Apho ukungazinzi okukhoyo kwiimarike zemali kwiinyanga ezidlulileyo kuye kwanefuthe elibi kwimpucuko yeempahla zeNgxowa-mali yoTyalo-mali ngenyanga kaDisemba. Ngapha koko, umthamo wee-asethi Ndifumene uhlengahlengiso ngoDisemba we-7.589 yezigidi ze-euro (2,9% ngaphantsi kwenyanga edlulileyo), kwaye wavala unyaka kwi-257.551 yezigidi zeerandi. Ngale ndlela, kuyacaca ukuba le mveliso isinika ukuzithemba phakathi kwabatyali mali baseSpain. Ngaphezulu kokuthengwa nokuthengiswa kwezabelo kwiimarike zezabelo.
Kuqinisekisiwe kunye nemali
Zodidi kuphela abaye bahlangabezana nazo ukunyuka kwamanani Ekupheleni konyaka ophelileyo babezona zilondolozayo, ezinje ngokuqinisekiswa kunye nemali, ngokunyuka kwe-137 kunye ne-186 yezigidi zeerandi, ngokwahlukeneyo. Nangona kunjalo, iiasethi zabo zincitshisiwe unyaka wonke, kwaye njengesiphumo sexesha elikhethekileyo abathe iimarike zezemali badlula kuzo ngaphandle kokukhetha naluphi na uhlobo.
Ngelixa ngokuchaseneyo, icandelo elinokwehla okukhulu kwi-equity ngoDisemba yayiyizabelo zamanye amazwe (i-2.610 yezigidi zeerandi ngaphantsi kweyeNkanga), kodwa yavala unyaka ngokunyuka kwe-97 yezigidi zeerandi, ezimele i-0,3, XNUMX% ngaphezulu kune ixesha elifanayo lonyaka odlulileyo. Kwelinye icala, lolunye lweyona mithambo imbi kakhulu kule minyaka idlulileyo kwaye apho ilahleko ifakiwe kwibhalansi yeemali zotyalo mali.
Apho ukungazinzi okukhoyo kwiimarike zemali kwiinyanga ezidlulileyo kuye kwanefuthe elibi kwimpucuko yeempahla zeNgxowa-mali yoTyalo-mali ngenyanga kaDisemba. Ngapha koko, umthamo wee-asethi Ndifumene uhlengahlengiso ngoDisemba we-7.589 yezigidi ze-euro (2,9% ngaphantsi kwenyanga edlulileyo), kwaye wavala unyaka kwi-257.551 yezigidi zeerandi. Ngale ndlela, kuyacaca ukuba le mveliso inika ukuzithemba phakathi kwabatyali mali baseSpain.