Kulo nyaka sele uza kuqala, akuyi kuba lula ukuhambisa utyalomali ngokuchanekileyo. Ukuba akunjalo, ngokuchaseneyo, kuya kuba kugcwele imiqobo kwaye ke akusayi kubakho khetho ngaphandle kokuphuhlisa uthotho lwamacebo okwenza ulondolozo lube nenzuzo ngeyona ndlela ilungileyo. Akufanele ilibale ukuba sivela kwiimarike ze-equity eziye zaxhaswa ngokukhawuleza ngaphandle kokuphumla ukususela ngo-2013.
Ukongeza, kufuneka kuthathelwe ingqalelo ukuba imarike yestokhwe yaseSpain ithengise i-40.879 yezigidi zeerandi kumvuzo oguqukayo, i-2,7% ngaphantsi kwenyanga ephelileyo kunye ne-13,7% engaphantsi kwenani lonyaka ophelileyo. Ngelixa inani lothethathethwano lehle nge-19,2%, ukuya kwi-3,39 yezigidi. I-12,9% ingaphantsi kunakwinyanga enye yonyaka ophelileyo. Ngayiphi na imeko, icandelo elilungileyo labatyali mali liyaqhubeka nokuthemba ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya kulimaza ezinye iimveliso zemali. Kuba zezona zinokuvelisa inzuzo enkulu ebusweni bomda omncinci wokungenelela kwixabiso lemali.
Kwelinye icala, uguquko lwengeniso esisigxina luyaqhubeka ukuba luhle xa kuthelekiswa ne-2018. Izivumelwano zifikelela kwi-31.248 yezigidi ze-euro, i-11,4% ngaphezulu kunye ne-179,4% ngaphezulu kwamanani kwakule nyanga inye kunyaka ophelileyo. Umthamo opheleleyo oqokelelwe kunyaka wafikelela kwi-217.510 yezigidi ze-euro, kunye nokukhula konyaka-nge-84,9%. Konke oku kwimeko yemali apho ixabiso lemali likwezona ndawo zisezantsi zembali, zikwi-0%. Ngamanye amagama, ixabiso lemali alikho kwaye oku kuyabonakala kwinzuzo yeemveliso zebhanki nakwiziphumo zengeniso esisigxina. Nangona imbuyekezo banikezela ukhuseleko olupheleleyo kulondolozo lwabo nakwimali.
Utyalomali kwi2020: ukunciphisa izikhundla
Nangona kulo nyaka uzayo kufuneka kugcinwe ipotifoliyo yezokhuseleko kwimalike yestokhwe, akukho mathandabuzo ukuba kufanele ukwenziwa ngonciphiso olufanayo. Ukugcina umdla wethu ngokuchasene naluphi na uphawu lokungazinzi kwiimarike zezabelo. Ukukhetha ngakumbi kukhetho lwakho ukusukela ngoku, kuba ngekhe uvule izikhundla kulo naliphi na ixabiso lentengiso yemasheya. Ngenxa yomngcipheko omkhulu esinokungenisa kuwo kwaye onokusenza siphulukane nemali eninzi ekusebenzeni. Ngokukodwa ngaphambi kotshintsho lwendlela kwiimarike ze-equity, njengoko kubhengeziwe ngabahlalutyi abaphambili bezemali.
Ukusuka kolu luvo, asizukukhetha ngaphandle kokuya kwiikepusi ezinkulu ezisinika ukhuseleko ngakumbi kunabanye. Kwaye ukuba kunokwenzeka ukuba baphantsi kokucaca ngokucacileyo kwinkcazo yabo kwixesha elifutshane neliphakathi. Isicwangciso-qhinga esinye esinokusiphumeza kulo nyaka kukujika inxenye yenkunzi yethu siye kwiimveliso zemali ezikhuselekileyo. Zombini ezivela kwingeniso emiselweyo nakwezinye iindlela. Ngeyona njongo iphambili yokuphucula umda wenzuzo kwipotfoliyo yotyalo-mali kwiinyanga ezilishumi elinesibini ezizayo.
Iidipozithi ezinxulumene notshintshiselwano
Ewe kunjalo, le yenye indlela ekhuselekileyo kunokutyalomali ngokuthe ngqo kwimarike yemasheya ukusukela kwisiqingatha sotyalo mali ehambelana nengeniso esisigxina kwaye elinye icala linxibelelene, ngokupheleleyo okanye ngokuyinxenye, kwindaleko yee-indices, izabelo, iimali okanye nayiphi na enye into ekubhekiswa kuyo kwiimarike zesizwe nezamazwe aphesheya. Nangona kunjalo, ukhathalelo olukhethekileyo kufuneka luthathwe kolu hlobo lweemveliso kuba zibonakaliswa kukuba inkunzi inakho okanye ayinakuqinisekiswa, kodwa kwimeko apho kungenjalo, umthengi unokuphulukana notyalo-mali luphela, kuxhomekeke kwiimpawu yedipozithi nganye.
Kodwa ubuncinci siya kubhencwa kancinci kukungazinzi okunokuvela kwiimarike ze-equity. Ngokukodwa ngaphambi kokuhamba kobunzulu obukhethekileyo kwaye oko kunokusenza siphulukane nemali eninzi kunokuba besicinga njalo ekuqaleni. Kuba ngeedipozithi zebhanki zezi mpawu, nokuba kwenzeka ntoni kwiimarike zezemali, siyakuqinisekisa ukuba ikapitali yethu iqinisekisiwe kunye nokufumana inzuzo encinci. Nangona ixesha elide lisisigxina kunakwelinye ixesha elibekiweyo. Ngamaxesha phakathi kweenyanga ezingama-24 ukuya kuma-48 kwaye ngaphandle kokukwazi ukurhoxisa imveliso.
Lixesha lezitena
Ukuba kukho icandelo kuqoqosho lwaseSpain elibonisa ukomelela okukhulu, ngumhlaba nezindlu. Inokuba sisihlandlo sokubhukuqa lo nyaka mtsha ngale asethi yezemali. Ngemisebenzi eyahlukeneyo ekuthengeni ikhaya ukusukela oko Inzuzo yayo kulo nyaka iphantse yaba ngama-20%. Phezulu kunayo yonke imveliso yezemali kwaye oko kuyakufuna kuphela isixa esifuna kakhulu ekusebenzeni. Kwiimeko ezininzi, ngaphezulu kwe-100.000 euros kwaye eli lixabiso elingafumanekiyo kubo bonke abatyali mali. Hayi kangako.
Esinye isisombululo esingafunekiyo sisekwe kwi- ukuthengwa kwegaraji, amagumbi okugcina kunye nezinye izindlu inokuba yinzuzo kakhulu kulo nyaka. Ngokuhlaziywa kwakhona kwidijithi ezimbini. Olukhetho oluncinci oluqhelekileyo olunokuthi lube lunomdla kakhulu kwimidla yethu ngenxa yethemba elihle kwicandelo. Ngexesha lokusisigxina elinokujoliswa kwixesha elifutshane, eliphakathi nelide, kuxhomekeke kwiprofayili eboniswe ngabatyali mali abancinci nabaphakathi. Kodwa kuthathelwa ingqalelo ukuba le yenye yeempahla zexabiso ezimbalwa ezonyukayo kwaye ke yinto esinokuthi sisebenzise ithuba kula maxesha.
Izabelo ezilungileyo ngaphezulu kwako konke
Ukukhetha esi sicwangciso sotyalo-mali kungazisa izibonelelo ezinkulu kubatyali mali abancinci nabaphakathi kuba iya kuthi ivelise imali eninzi kwimali eseleyo yeakhawunti yokonga. Kunye Umyinge wenzuzo yonyaka malunga ne-5% kwaye oko kwenziwa ngeentlawulo ezenziwa minyaka le. Apho icandelo lezombane kunye neebhanki zezona zinamandla okwenza lo mvuzo kubanini zabelo. Ukuze ngale ndlela, ube nephothifoliyo yengeniso esisigxina ngaphakathi kokungafaniyo.
Kwelinye icala, iya kuba yimali oya kuba nayo nokuba kwenzeka ntoni kwiimarike zezabelo. Ke ngoko, sisicwangciso-qhinga sotyalo-mali esiluncedo kakhulu kwiimeko ezimbi kwimarike yemasheya. Ukuya kwinqanaba lokuba kutsala umdla wabatyali zimali abancinci nabaphakathi ngenkangeleko yokuzikhusela okanye yokulondoloza. Apho unokubalekela khona kwelona xesha linzima kwiimarike zezabelo. Ngokuhlawulwa okungaguquguqukiyo kwaye kuqinisekisiwe minyaka le phantsi kwepesenti eqikelelweyo ziinkampani ezidwelisiweyo.
Iindawo ezivulekileyo ngesilivere
Esi sinyithi sichanekileyo sesinye sezinto ezingaziwa kakhulu kubatyali mali abancinci nabaphakathi. Ngenxa yokuba ayikho kwinxalenye enkulu yeemveliso zezemali kwaye kunzima kakhulu ukuvula izikhundla kule mali ekhethekileyo. Kodwa nakweyiphi na imeko, lolunye lolona tyalo mali lunenzuzo kulo nyaka. Ukuza kuthi ga ngoku ixabisile malunga ne-60%, yenye yezona mpahla zexabiso liphezulu ukuza kuthi ga ngoku. Ngokuhambelana naleyo iboniswe yenye intsimbi exabisekileyo efana negolide, ethi kwelinye icala ibe lulondolozo mali olungcono.
Enye into ekufuneka uyithathele ingqalelo nale asethi yezemali kukuba ithathwa njengendawo ekhuselekileyo xa kujongwa ezona meko zingazinzanga kwiimarike zezabelo. Apho ungenza ukonga okunenzuzo ngaphandle kobunzima obunokubakho kuqoqosho lwamanye amazwe. Nangona kunjalo, eyona ngxaki yayo iphambili kukuba zimbalwa iimveliso zezezimali ezinezi zikhundla. Umzekelo, iimali ezihlangeneyo okanye iimali ezithengiswayo.
Izinto eziluncedo kakhulu eziluhlaza
Alithandabuzeki elokuba ezi asethi zemali zinokukumangalisa ngokuqinisekileyo ukusukela ngoku. Ngenxa yemeko yangoku kwiimarike zezemali. Nangona zenzelwe iprofayili ethile yotyalomali. Ngombulelo onamandla ngakumbi kunezinye iimveliso zemali. Ngayiphi na imeko, kuya kufuneka ukhethe i-asethi yemali ekwindawo eqhubayo ukuze uthathe ithuba lokuhamba kwayo kwiimarike zemali.
Ukuba bekunje, ezi zinto zivelisiweyo zibonelela ngovavanyo oluphezulu kakhulu nangaphezulu kwento onokuyifumana nezinye iiasethi zemali. Apho enye yeenzuzo zolu khetho lukhethekileyo kukuba unezifundo ezininzi onokukhetha kuzo. Ikofu, iimbotyi zesoya, ingqolowa okanye i-oats phakathi kwezinye zezona zinto zibalulekileyo kwaye apho kungazukubanzima kakhulu ukubona naziphi na ezikweyona nto ibalaseleyo kubuchwephesha kuqwalaselo lwamaxabiso abo. Ukuze ukwazi ukwenza imali oyigcinayo ukusukela ngoku. Nangona kunjalo, eyona ngxaki yayo iphambili kukuba zimbalwa iimveliso zezezimali ezinezi zikhundla.