Iidipozithi zokufumana amaxabiso asezantsi eYurophu

iintlobo

Intlanganiso yenyanga yoKwindla yi KwiBhanki ePhambili yeYurophu (ECB) ityhile ukuba babecinga ntoni abahlalutyi bezemali. Ngamanye amagama, amaxabiso enzala kwindawo ye-euro aya kuqhubeka njengangaphambili kwaye awuzukunyuka kwangoko ekupheleni kwalo nyaka. Imeko ekohlwaya isenzo sabasindisi abangenakwenza nzuzo kwimali abayigcinileyo. Ngemida yokungenelela ehamba phakathi kwe-0,25% kunye ne-0,60%. Ngexabiso lemali elingazange libize kakhulu kunangoku.

Uninzi lwabahlalutyi bezemali bakholelwa ukuba ixabiso lemali aliyi kushiya amanqanaba embali e-0% kude kube phakathi kunyaka olandelayo. Ke ngoko, abagcini abancinci nabaphakathi kufuneka babe nomonde ekufumaneni ingeniso ephezulu yeemveliso eziphambili zokonga. Abasebenzisi abangafuniyo ukubeka imali yabo emngciphekweni kwiimveliso zentengiso yezabelo ezingahambelaniyo nelona xesha lilungileyo, banikwe umngcipheko abawubalekayo ngenxa yezilungiso ezibonakalayo abanokuthi babe phantsi kwazo ukusukela ngoku.

Nangona kunjalo, kukho ezinye iindlela zokuphucula la manqanaba enzuzo kwi iidipozithi zebhanki zexesha elimiselweyo. Ngamaqhinga ohlukeneyo athe amaziko eentengo zemboleko aphumeza kwaye apho le mida yenzuzo inokunyuswa phantse ngepesenti enye yenqanaba ngokubhekisele kumaxabiso okuqala ezi mveliso zemali. Ngayiphi na imeko, ngentlawulo emiselweyo kwaye iqinisekisiwe minyaka le kwaye le yinto okwangoku ayinakujongwa nangayiphi na indlela.

Amaxabiso asezantsi: idiphozithi kwi-1%

Ngaphakathi kule mveliso, elula kangako ukwenza isivumelwano, kungokunje zimbalwa izibonelelo ezinomtsalane ekufuneka zibhaliswe ngabasebenzisi. Nangona kunjalo, amanye amaziko ezemali asungule iidipozithi zeenyanga ezilishumi elinambini ezinokuthi zenze njalo ukufikelela kumanqanaba asondele kwi-1,20 %. Nangona uninzi lwezindululo zivela kwinto ebizwa ngokuba yibhanki yedijithali kwaye ikhuselwe ukuya kuthi ga kwi-euro yokuqala ye-100.000, kule meko yimali yesiqinisekiso sedipozithi. Ukujongana nawo nawuphi na umsitho onokuthi uphuhliswe ngamaziko emboleko.

Ngaphandle kwalo naluphi na uhlobo lweekhonkco, nokuba kungenzeka Ukuhlawulwa ngqo kwetyala kunye neerisithi eziphambili zekhaya (amanzi, igesi, umbane, njl. njl.), njengoko kusenzeka kwezona bhanki ziqhelekileyo. Bafuna kuphela ukuqeshwa kweakhawunti yokutshekisha okanye yokonga kwiziko kwaye nalapho inokulawulwa khona imali yabanini bayo. Ngaphandle kwezinye izinto zobuchwephesha eziya kuba ngumxholo wolunye uhlalutyo olwahluke ngokupheleleyo.

Inomdla ngakumbi kumagama amade

Njengoko kusengqiqweni ukucinga ukuba, inzuzo iqala ukukhula njengoko imiqathango yokusisigxina inyuka. Ngenxa yesi sicwangciso sorhwebo, kukho imigaqo ephakathi, phakathi kweenyanga ezili-18 neenyanga ezingama-24 banokuphucula iziphumo zedipozithi yeenyanga ezili-12 ngeshumi leepesenti. Nangona kule meko, ukubeka ubuncinci botyalo-mali. Ngesixa semali esiphakathi kwe-3.000 kunye ne-15.000 ye-euro. Kuzo naziphi na iimeko, ngesilingi ehlawulelwayo ephezulu esekwe kwizabelo eziphezulu kakhulu, ngokubanzi kumanqanaba asondele kwi-100.000 euros.

Ngelixa kwelinye icala, asinakulibala ukuba olu hlobo lokumiselwa kwexesha eliphakathi alawulwa ngamacebo okulondoloza kubume bazo. Kwelinye icala, iimali eziza kubhaliswa kule klasi yedipozithi yekota ziphezulu. Kule meko, phantsi komrhumo omncinci wemali ojikeleze i-15.000 okanye i-20.000 euro ukuphucula umvuzo kolu didi lweemveliso zemali. Ngale ndlela, sisixa-mali ekufuneka singanyanzelwanga ixesha elide, kwaye ngaphandle kokucinywa kwangaphambili, njengoko kusenzeka kwezinye iidipozithi zexabiso elincinci kwezoqoqosho.

Imveliso ekujoliswe kuyo ixesha elide

imihla ebekiweyo

Olunye unikezelo amaziko amatyala athe aphuhlisa yile yediphozithi inexesha elide lokusisigxina. Ukuntywiliselwa kwi-hairpin ehamba ukusuka kwiinyanga ezingama-24 ukuya kuma-48 apho kuya kufuneka uhlale kule klasi yeemveliso zemali. Umvuzo wabo uphakame kancinane, kodwa ngaphandle kokunyuswa esinokukujonga njengombono. Bonyusa kuphela inzala ngenqanaba leshumi leepesenti xa kuthelekiswa nelo lifutshane. Kule meko, inzuzo kwezona meko zinokufikelela kufutshane kakhulu namanqanaba eepesenti ezi-2.

Kwelinye icala, akukho nqanaba lokunxibelelana nekhontrakthi yezinye iimveliso zebhanki. Ukuba akunjalo, ngokuchaseneyo, sijamelene neemveliso zesintu ngokwendlela eziyilwe ngayo kwaye apho kuphela kwento entsha abayibonisayo kukonyuka kwexesha lokusisigxina. Ngeentlawulo ezithile, kwezinye iimeko, ezinokuqhubela phambili ngekota, intlawulo yonyaka okanye yonyaka endaweni yokuyifumana xa kufanelekile. Ukuze ngale ndlela ukwazi Yonwabela ukuthengiswa ngaphambi kwexesha. Kukuthini isicwangciso-qhinga sentengiso apho iibhanki zibheja ngokungxamisekileyo.

Injongo yeeprofayili ezilondolozayo

Ezi zindululo zenziwe ziibhanki zaseSpain zijolise ngaphezulu kwabo bonke abasebenzisi abane iprofayili ekhuselayo okanye ekhuselekileyo. Apho ukhuseleko lokonga lukhona ngaphezulu kwezinye izinto eziqwalaselwayo, kubandakanya ukwanda kwengeniso. Kubantu, abathi ngenxa yezizathu ezithile okanye ezinye, abafuni ukutyala imali yabo kwiimveliso ezinxulunyaniswe namashishini. Ukujongana nembono yokungaqiniseki ngenxa yokungazinzi kwezi asethi zemali ezikhoyo ngeli xesha. Emva kwexesha lokunyusa elinokuphela nangaliphi na ixesha.

Ngelixa ngokuchaseneyo, into ekusetyenzwa ngayo ngebhanki yexesha elimiselweyo yenza ingxowa yokonga imali unyaka nonyaka kwaye ixesha elide lokuba sisigxina. Ukukwazi ukuqinisekisa intlawulo yonyaka emiselweyo kunye neqinisekisiweyo kunye nantoni na eyenzekayo kwiimarike ezahlukeneyo zemali. Ngoncedo olongezelelekileyo lweemveliso zemali ezingenalo naluphi na uhlobo lweekhomishini okanye inkcitho kulawulo lwazo okanye kulondolozo. Oko kukuthi, imali ebuyisiweyo ayizukusebenza ngokupheleleyo kwasekuqaleni. Ngokungafaniyo nokwenzekayo kutyalo-mali kwiimarike ze-equity.

Ulunge kwi-intanethi kunamasebe

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Elinye lamaqhinga asetyenziswa ziibhanki kukukhuthaza idiphozithi ezikwi-Intanethi, nokuba yeyiphi na indlela kunye nemigaqo ekujoliswe kuyo kwezi mveliso. Kwelinye icala, bakhululeke ngakumbi ukuqesha kuba ungabenza ngokusemthethweni ekhaya nangaliphi na ixesha losuku. Ngelixa kwelinye icala, uyakwazi ukuphucula umda wokungenelela kancinci, nokuba kungapesenti ezimbalwa zepesenti. Kumnikelo oqhubela phambili kancinci kancinci ngenxa yeempawu zawo ezizodwa. Ngaphandle kokuvela kwiofisi okanye kwisebe lebhanki. Ngale ndlela ukonga ixesha ekulawuleni ukuqesha kwakho.

Enye into ekufuneka ivavanywe kule fomathi kukuba ilungelelaniswe nayo yonke imihla ebekiweyo oyifunayo, Akukho mida kule meko kwaye nguwe ohlalutya izindululo zokuqinisekisa iimeko ekuqeshweni kwabo. Nditsho nokwenza uthelekiso phakathi kokunyusa okuqaliswe ziibhanki kwintengiso. Kuba enyanisweni, kunokubakho umahluko obaluleke kakhulu phakathi komnye nomnye. Ukuya kwinqanaba lokuba ezinye zazo zinokufumana inzuzo ngakumbi kunezinye ngokusekwe kwezinye iiparameter ezahlukeneyo. Ukuza kuhlalutyo olunzulu oluvela ekhayeni lakho okanye kwenye indawo apho ukhoyo ngalo mzuzu.

Irhafu yeedipozithi zexesha

mali

Enye into ekufuneka ithathelwe ingqalelo xa kusenziwa imveliso yezi mpawu yerhafu esetyenziswayo okwangoku. Ukuze wazi ukuba yintoni Okwenziweyo kwezi mveliso. Ingeniso epheleleyo ayifani nomvuzo opheleleyo kwaye koku akuyi kubakho khetho ngaphandle kokuhlalutya ukuba yintoni irhafu yakho. Kuba ekugqibeleni ayizukusebenza yonke eya kwiakhawunti yakho yokonga. Ukuba akunjalo, ngokuchaseneyo, uya kuncitshiswa i-euro ezimbalwa ngenxa yerhafu esetyenzisiweyo kulondolozo.

Ngale ndlela, iidipozithi zirhafiswa kwisiseko serhafu yolondolozo kwaye zithathwa njengengeniso evela kwinkunzi ehambisekayo. Ukufumana umvuzo ukuya kuthi ga kwi-6.000 euro, ireyithi esetyenzisiweyo yi-19%, 21% ukuya kuthi ga kwi-50.000 euro kunye ne-23%, elilelona liphezulu lezixa ezikhulu kune-50.000 euro. Nje ukuba ezi zinto zinikwe isaphulelo, imali iya kuhlala isiya kwi-akhawunti yakho yokujonga, nangona kunjalo kuya kufuneka uyichaze kwingxelo yakho elandelayo yengeniso. Kwaye oko kuyakuxhomekeka komnye umvuzo onayo, zombini ngokweemveliso zokonga kunye nezo zinxulumene notyalo-mali. Ukuba akunjalo, ngokuchaseneyo, uya kuncitshiswa i-euro ezimbalwa ngenxa yerhafu esetyenzisiweyo kulondolozo.


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