Yonke into aboyikayo abatyali mali izalisekile kule mihla. Ayikho enye into ngaphandle nje kwexabiso lamaxabiso abizwa ngokuba yiCatalonia kwiimarike zezabelo. Ngokuziphatha okubi ngakumbi kunezinye iinkampani ezingasekelwanga kule ndawo. Ukuza kuthi ga kwinqanaba lokuba kubonakala ngathi sele bebaninzi abatyali mali abarhoxisa izikhundla zabo izindululo zesitokhwe. Zinjalo iimpembelelo zalo mbutho wentlalo nezopolitiko ukuba ilahleko yomgangatho wesizwe, Ibex 35, zikhokelwa ngqo zezi nkampani. Ngexesha leentsuku bawile ngamandla ngakumbi kunabanye. Ngokuhla kwexabiso nangaphantsi kwe-2%.
Kule panorama yobomi baseSpain, kunzima ukubheja kwiinkampani ezidwelisiweyo ezinamakhonkco okanye ezinekomkhulu labo eCatalonia. Unokuchaphazeleka Ukungazinzi ngaphezulu kwesiqhelo. Njengoko kusenzeka kwiiseshoni zokurhweba zamva nje. Nangona kwindawo yokuqala awuzukukhetha ngaphandle kokuchonga la maxabiso. Nangona kunjalo, kwezinye iimeko iya kuba ngumsebenzi olula kuba basemilebeni yomntu wonke kwaye bamele kakhulu amacandelo abo.
Kodwa ayisiyiyo kuphela into yokulingana kwaye ngakumbi ngokuthe ngqo kwimarike yaseSpain. Kodwa ngokuchaseneyo, okwenzekayo eCatalonia kunokuphelisa ukungcoliseka koqingqo-mali lwetyala loluntu okanye ipremiyamu yomngcipheko. Babo Iziphumo ebezingalindelekanga Bangaphezulu kunokuba unokucinga kwasekuqaleni. Iya kuba lixesha apho ubulumko kunye nononophelo ziya kuba zixabiseke kakhulu kwiiasethi ezinxulumene nelizwe lemali notyalo-mali. Apho uya kuba nokulahlekelwa ngaphezulu kunenzuzo kwezi veki.
Iibhanki ezikwiCatalonia
Ewe, elinye lawona macandelo achaphazelekayo kukubhankisha. Emelwe ngamaziko amabini aphambili ezemali, anje IBanco Sabadell kunye neCaixbank. Izabelo zalo ziye zawa kwezi ntsuku ngaphezulu komndilili wee-indices zesitokhwe. Ukuba ibisele iyinxalenye enobungozi ngenjongo zakho zokuvula izikhundla, kunjalo ngakumbi ngoku. Ayothusi into yokuba, kungekudala baya kuphuhlisa imeko ezantsi yesisombululo esimbaxa. Ngaphandle kwento yokuba kuzo zombini iimeko isasaza izabelo phakathi kwabanini zabelo.
Kwelinye icala, awungekhe ulibale nangayiphi na indlela ukuba uqikelelo Ibex yaseCatalonia inegalelo kwiimali zentengiso ezisondele kakhulu kwi-100.000 yezigidi zeerandi. Kodwa nge-caveat ebaluleke kakhulu ukuba ithathele ingqalelo ukusukela ngoku. Ayikho enye ngaphandle kokuba amaxabiso aso ahamba kumhlaba olungileyo ukusukela ekuqaleni konyaka. Ngaphandle kweGesi yendalo, ekuphela kwenkampani edwelisiweyo ebonisa ixabiso kwizabelo zayo ezantsi kweziphawulwe ngoDisemba 2016.
Ukuya kwinqanaba lokuba yonke into yayiqhelekile. Kodwa kule veki imithambo ithathe izigqibo zabatyali zimali abancinci nabaphakathi. Apho kuthengisiwe kuye kwathengwa. Nangona kungenjalo ngokunyanzelwa kunokulindeleka kwiimeko ezizodwa. Nangona kunjalo, inye into kwaye oko kukuba iimarike zesizwe azikabinalo ilizwi lokugqibela. Ngenxa yeziganeko esijamelana nazo, kukho uloyiko lokuba bayokuxhomekeka kwezona zenzo zibi.
Ukuziphatha kwiimarike
Kwimeko nayiphi na into, iinkampani eziphambili zeCatalan ziqala ukubonisa umceli mngeni omkhulu kwixabiso labo okomzuzwana kwaye bonwabele ukwehla okuphezulu kokhetho lwaseSpain. Omnye wemibuzo abanye abahlalutyi bezemali abazibuza yona yile meko iya kuqhubeka kwezi veki zimbalwa zizayo. Okanye ukuba, ngokuchaseneyo, yonke into iya kubuyela esiqhelweni. Iya kuba yinto esiza kuyazi ngokuqinisekileyo kule mihla izayo. Okwangoku, kulula kakhulu ukuba uyeke naluphi na uhlobo lokuhamba kwiimarike ze-equity. Kwaye kuncinci ukuthatha isikhundla kula maxesha anzima ukunxibelelana nehlabathi lemali.
Ngokuqinisekileyo irekhodi alivusi themba kakhulu phakathi kwabanye babatyali mali. Kodwa ngokuchaseneyo kunjalo ukunciphisa izikhundla zabo kukhuseleko ngonxibelelwano olukhulu kwiCatalonia. Ngayiphi na imeko, abahlalutyi abaxabiseke kakhulu kwimarike yezemali babheja ukuba umthetho uya kugqitywa ekugqibeleni. Kwimeko apho, bekungayi kubakho luhlobo lwempembelelo kumaxabiso asondele kakhulu eCatalonia. Ngaphandle koko, ewe, konke ukuthandabuza okunokubakho ngale mizuzu inzima. Linqanaba elilungileyo kula maxesha apho ingeniso eguquguqukayo yesizwe ihamba ngayo.
Impembelelo kumvuzo osisigxina
Ayisiyiyo kuphela imarike yemasheya enokuthi ibandakanyeke kwezi ntshukumo. Kodwa nakwiimveliso ezahlukeneyo ezinxulunyaniswe nengeniso esisigxina kwaye ngakumbi kwi ityala likawonkewonke okanye ipremiyamu yomngcipheko onyukayo kwizikhundla ngeentsuku zokugqibela. Ngale ndlela, ukuvela kweebhondi zesizwe kufumana ingqalelo ekhethekileyo. Isalathisi esithembekileyo semood phakathi kwabatyali mali abakhulu. Ewe, uguquko lwayo luye lwachaza ngokungathandabuzekiyo kwezi ntsuku ngenxa yokungazinzi kwipanorama yaseCatalonia. Ukuza kuthi ga ngoku kulahlekelwe lixabiso kwiimarike zezemali.
Kule meko, ukusebenza kwesibophelelo seminyaka elishumi saseSpain khange kube sesonelisayo kwezi veki. Ngokuwa kwetyala elizimeleyo lommandla we-euro, njengomboniso wolu xinzelelo eCatalonia. Ewe, ibhondi yelizwe ithengise ngesaphulelo kufutshane ne-2% kwezi ntsuku. Ngayiphi na imeko, ifuthe lomceli mngeni wokwahlula isiCatalan kwityala elilawulayo laseSpain khange lilunge kakhulu. Kwifandesi yale veki, uNondyebo ubeke Iibhili zeenyanga ezi-3 kumyinge ophakathi we -0,485%. Okona kubaluleke ngakumbi, nangona kunjalo, yinto onokuyenza kwiimarike zezemali kwezi veki zimbalwa zizayo. Apho ngaphandle kwamathandabuzo iintshukumo zinokulolwa kwezi zihlandlo.
Ukunyuka kwipremiyamu yomngcipheko
Esinye isiphumo sokunyuka kwentlalo eCatalonia kukunyuka kwepremiyamu yomngcipheko. Kude kube kufikelelwa kumanqanaba e-135 yamanqaku esiseko, angakhange abonwe kule minyaka idlulileyo. Le nto inokubangela ukuba imali yotyalo-mali isekwe kwingeniso esisigxina ilahle ixabiso ukusukela ngoku. Ngokukodwa, abo bacinga ngeli thuba ngaphakathi kolwakhiwo lwabo. Ngoku kuyakufuneka ujonge ukuba le rebound kwipremiyamu yomngcipheko icacile okanye inokugcinwa ngokuhamba kwexesha. Nokuba ukhwele kwizikhundla eziphezulu ukuze usondele amanqanaba asondele kumanqaku esiseko se-200. Enye into ekufuneka uyazi kwiimarike zezemali.
Baninzi abahlalutyi bezemali abayaziyo le parameter yezoqoqosho efanelekileyo ukurekhoda iziphumo zengxaki eyenzeka eCatalonia. Kungenxa yokuba ngokoluvo lwakhe iya kuba lolona phawu lujolise kwimpembelelo yale mibutho ixhasa ukwahlukana. Baqonda ukuba baya kuthatha isigqibo ngakumbi kunamaxabiso okhuseleko lwaseCatalan kwizabelo zaseSpain. Ngomgca obomvu onokuba ngamanqaku angama-150. Ukongeza, ipremiyamu yomngcipheko inokuba yinto ekuncedayo kwintengiso yesitokhwe ukuba inyuke okanye yehle ukusukela ngoku. Ngeziganeko ezinkulu kunezinye iimeko uqoqosho lwesizwe oludlule kulo.
Imeko ngokubanzi yentengiso yesitokhwe
Ngayiphi na imeko, ii-equity zaseSpain zihamba ngomzuzu obuthathaka ngenxa yamathandabuzo amaninzi avela phakathi kwabatyali mali abancinci nabaphakathi. Ngale ndlela, iminyhadala yaseCatalonia inokumela isingxengxezo sokuphuma ngokusisigxina kwiimarike zezemali. Okanye ubuncinci ukunciphisa izikhundla kwiindlela ezikhuselayo. Njengesicwangciso sokubonelela ngokhuseleko olukhulu kwiinyanga ezidlulileyo ukuze lo nyaka unzima uphele phantse kuzo zonke iimarike zezemali.
Kuba kuyakufuneka kakhulu oko ndinemali ukususela ngoku. Ngaphandle kwenjongo enye ngaphandle kokusebenzisa amathuba ezorhwebo aya kuvela ngokuqinisekileyo. Ayisiyiyo kuphela kwimarike yemasheya, kodwa kwinxalenye elungileyo yezona zinto zixhaswa ngesivumelwano emhlabeni. Ingxaki kuphela oya kuba nayo kukufumana ixesha elifanelekileyo lokuthatha izikhundla. Kuba ngokuxhomekeke kula manqanaba, unokwenza ukuba imisebenzi yakho ibe yinzuzo ngakumbi. Oko kukuthi, ekupheleni kosuku, injongo ozibekele yona kubudlelwane bakho botyalo-mali.
Elona themba libalaseleyo onokuba nalo kwikota yokugqibela yonyaka kukuba ngokwesiko Rally yekrisimesi. Oko phantse kuhlala kunika ukonyusa okubalulekileyo kwizicatshulwa. Ngokuhlaziywa okunokuphucula imida esekwe kwi-10%. Logama iveliswa njengakwimithambo yangaphambili. Nangona iya kuxhomekeka kubunzulu bayo nakumaxabiso akhethwe kwesi siganeko sikhethekileyo. Apho, ngaphandle kwako konke, yenye yezona zinto zilindelweyo kunyaka wonke. Ngaphezulu nangamaxesha e-uptrend.