Ipremiyamu yomngcipheko yenye yeeparameter ezibaluleke kakhulu ukumisela ukuvela kweemarike zesitokhwe. Akumangalisi ukuba abatyali mali bajonge kuyo yonke imihla ukumisela izigqibo abazakuzenza ukwenza ukonga kwabo kunenzuzo. Nangona kunjalo, kwasekuqaleni kuya kuba yimfuneko ukwazi ukuba lithetha ntoni eli gama libalulekileyo lezoqoqosho. Ewe, ipremiyamu yomngcipheko yeyokuqala kuyo yonke le nto umahluko phakathi komdla oceliweyo kwityala elikhutshwe lilizwe elinempahla yalo inobungozi obukhulu xa kuthelekiswa nenye engenamngcipheko.
Ngayiphi na imeko, kwaye ukuqonda ngcono intsingiselo yayo yokwenyani, kuya kufuneka uyazi ukuba olu hlobo lweprimiyamu lwaziwa ngcono phakathi kwenxalenye elungileyo yabatyali mali umngcipheko kwilizwe. Kuba ngokwenyani, akukho nto iphantsi kwaye akukho nto ingaphaya kokulinganisa umngcipheko olunokuhamba kuwo uhlanga, nokuba luyintoni na. Kwaye kwaziwa kakhulu ngeziganeko ezithi iye yaphuhliswa ngexesha lokudodobala kwezoqoqosho, apho yonke imihla into yokuqala eyenziwa ngabo bonke abalamli bezezimali yayikukuqinisekisa ukuba yeyiphi ipremiyamu yomngcipheko eSpain. Kungenxa yokuba ubukhulu becala, kwaye kuxhomekeke kwindaleko yayo, imarike yemasheya yawa okanye yaphakama ngamandla okanye kancinci.
Elinye lamaqhosha kwipremiyamu yomngcipheko yindlela ebalwa ngayo, kuba ngamanye amaxesha ivelisa enye ingxaki ukufika kwipesenti yale datha yezoqoqosho ibalulekileyo. Ewe, ipremiyamu yomngcipheko waseSpain, njengalo naliphi na elinye ilizwe kwindalo esingqongileyo, kubalwa ngokuthabatha inzala ehlawulwe kwiibhondi zeminyaka elishumi ISpanish inzala ehlawulwe kwiibhondi zaseJamani kumanqaku asisiseko. Kuba ngoku, le bhondi yaseJamani yindawo ekubhekiswa kuyo ukumisela ukuba yeyiphi inqanaba ngalo lonke ixesha. Ngempembelelo eyahlukileyo, kuxhomekeka kwindaleko yayo.
Qhagamshela kwityala laseJamani
Ukufumanisa ipremiyamu yomngcipheko, kubalulekile ukuba uyikhumbule into yokuba ayisiyiyo kuphela ubuthathaka benani lamatyala eSpain, kodwa kunye namandla etyala laseJamani. Kule ntsebenzo, kukho imali eninzi edlula kwisandla kwaye abaphumeleleyo abaninzi kunye naboyisiweyo. Ngomnye wemicimbi eya kuzisa eli nqaku. Kuba inokukunceda uthathe izikhundla kwenye okanye kwenye iasethi yezemali. Ukuza kuthi ga kwinqanaba lokuba ungafumana imali eninzi, kodwa ngenxa yezizathu ezifanayo, ushiya i-euro egqithisileyo endleleni. Yirhafu ekufuneka ihlawulwe kwi-premium yomngcipheko welizwe, kule meko eSpain.
Kule meko ngokubanzi, ipremiyamu yomngcipheko kuluhlu lweemarike zezemali ngokungathi ibiyinto yeasethi yemali ukusukela ekupheleni kosuku kunjalo. Ngokwahluka rhoqo imihla ngemihla kwaye ekugqibeleni kugqibe inzuzo yotyalo mali. Ngale ngqiqo, ibonisa inzuzo enkulu kumtyalomali ngokutshintshiselana ngokuthatha umngcipheko omkhulu. Njengoko uza kubona, igama elithi umngcipheko lihlala likhona kuzo zonke izenzo zabo, njengoko kusengqiqweni ukuqonda kwelinye icala. Kwaye ngandlela thile, ifakwe kwisichazi magama senxalenye elungileyo yabatyali mali abancinci nabaphakathi. Ngandlela thile, njengoko kuyinto yendalo kwaye iyaqondakala.
Iprimiy yomngcipheko: amanqanaba ayo
Ngeli xesha kuya kuba yimfuneko ngokupheleleyo ukwazi ukuba kutheni ipremiyamu yomngcipheko ikwinqanaba elinye okanye kwelinye. Ewe, xa kusithiwa ipremiyamu yomngcipheko eSpain ikumanqanaba eendawo ezili-100, oko kuthetha ukuba akukho bungozi kuqoqosho lwesizwe. Ngamanye amagama, yimeko elungileyo yokwenyani yomsebenzi wezoqoqosho. Ngempembelelo ecacileyo kwiimarike ze-equity ngokukhetha ukutshintshiselana kwesitokhwe gcina uptrend njengesiphumo soku kufunyaniswa. Apho ukuthengwa kubekwa ngokucacileyo okukhulu kwintengiso. Ngokuqinisekileyo ziindaba ezamkelwe kakuhle ngabo bonke abameli boqoqosho kwaye abatyali-mali abanakubakho phakathi kwabo.
Ngokuchasene noko, xa ipremiyamu yomngcipheko ingalawulwa, njengasentla kwamanqaku esiseko angama-400, inentsingiselo echasene ngokupheleleyo. Ngokwenene sisiphumo sokuba umngcipheko uphezulu kakhulu kwaye kufuneka kwenziwe iinzame ezinkulu ukutshintsha lo mkhwa okanye umjikelo wezoqoqosho. Njengoko kunokuqondwa, iimarike zezemali azithathi le nyani ngokuqinisekileyo kwaye zihlala zikhona amathontsi ezingxoweni, nkqu ngamandla okhethekileyo. Okungakumbi okanye ngaphantsi kukubonisa into eyenzekileyo eSpain ekuqaleni kwengxaki yezoqoqosho, malunga no-2012 no-2013, xa ipremiyamu yayo yomngcipheko ifikelele kumanqanaba othusayo.
Iziphumo zepremiyamu ephezulu yomngcipheko
Lixesha lokuba uhlalutye iziphumo zalo kuqoqosho lwelizwe kwaye ngakumbi xa eli nqanaba legalelo liphezulu kakhulu. Kungenxa yokuba iimpembelelo zayo zibaluleke ngakumbi kunokuba ungakholelwa kwasekuqaleni. Ichaphazela ngqo ipokotho yabathengi ngokwabo. Kodwa lixesha lokuba uqinisekise ukuba zeziphi ezona mpembelelo zibalulekileyo kwaye ungaziqaphela njani ukusukela ngoku.
- Ukunyuka okuphawulekayo kwipremiyamu yomngcipheko kwilizwe lethu kukwabonakaliswa kukukhawuleza kweenkampani. Ayothusi into yokuba kuthetha ukuba iindleko eziphezulu zemali yakho. Ukuya kwinqanaba lokuba kunokubangela ukuba intswela-ngqesho inyuke ngokungakwazi ukuthatha indawo enkulu kwimveliso yayo.
- Esinye sezona ziphumo zichanekileyo kule meko kukuba umdla ukhula kakhulu kwaye ngenxa yesi simo urhulumente kuya kufuneka Gcina imali eninzi ukuze ukwazi ukuyihlawula. Oku kuyenzeka ukuba kuya kubakho imali encinci kwinkcitho yezentlalo, iziseko zophuhliso, iteknoloji kunye nezinye iintlobo zeenkonzo kunye nezibonelelo. Ayisiyiyo imeko ebalaseleyo, ke ngoko, kuninzi lwabemi kuba urhulumente uya kuthambekela kumgaqo-nkqubo wezoqoqosho osekwe ikakhulu kulondolozo.
- Ewe kunjalo, ukunyuka kwepremiyamu yomngcipheko ayizondaba zimnandi zengqesho, kude nayo. Kungenxa yokuba, ngokokubala okwenziwa licandelo lebhanki, kubonisiwe ukuba kwisiseko ngasinye se-100 sikhombisa ukuba ipremiyamu yomngcipheko inyukile, phantse i-160.000 yemisebenzi iyenziwa eSpain. Ke ngoko, ngokuqaqambisa ubudlelwane obucacileyo phakathi kwepremiyamu ephezulu yomngcipheko kunye isizukulwana somsebenzi kwilizwe. Njengoko kwenzekile eSpain kule minyaka idlulileyo, apho le parameter yezoqoqosho isuke kwi-500 yaya kutsho ngaphantsi kwe-100 yamanqaku kwiminyaka embalwa, njengoko kusenzeka ngoku.
Iikhredithi ezincinci kwaye zibiza kakhulu
Kananjalo asinakulibala enye inyani enembonakalo ebalulekileyo eluntwini kwaye isuselwe kwisidingo sokuzixhasa ngokwaso ngokwamajelo esiqhelo okuthengisa, ngale ndlela, iibhanki kuya kufuneka zenze njalo. hlawula imali eninzi ukuze ufumane inkxaso-mali kwaye le nyaniso idluliselwa kwangoko kumsebenzisi. Oku kuthetha ukuba ukunikezelwa kweentengo zemboleko kuyacotha kwaye iimeko zimbi kakhulu kunangoku. Oko kukuthi, umthengi akazukukhetha ngaphandle kokuhlawula inzala ephezulu ukuze akwazi ukuzixhasa. Ngamanye amagama, omabini la macandelo enkqubo aya kuchaphazeleka ngokucacileyo ngolu hlobo kwipremiyamu yomngcipheko.
Kwelinye icala, inyani yokuba ukusetyenziswa okucothayo ngamandla amakhulu ikwayimfuneko kakhulu. Kukho imali encinci ehambayo kwaye ngenxa yabo eyona nto iphambili kwezoqoqosho yelizwe iyenzakala. Ukuya kumanqanaba anokuba yingozi kuye wonke umntu. Ngokufanelekileyo, ukukhula kwezoqoqosho kunye nentswela-ngqesho njengezinye zezona zinto zibalulekileyo eziqwalaselweyo yinxalenye elungileyo yeearhente zoluntu. Yinto embi kakhulu engenawo amanqaku aqinisekileyo, njengoko sibonisa kweli nqaku.
Imali ifuna ezinye iimarike
Kananjalo ayinakulityalwa ukuba xa ezi meko zivelisiwe, imali itshintsha izandla. Oku ngokusisiseko kuthetha ukuba ukuhamba kotyalo-mali kuzama ukufumana ezinye iimarike zezemali ezibanika ukhuseleko olukhulu noxolo. Ngokwesiqhelo Ngakwizikwere ezizinzileyo, umzekelo waseJamani okanye eMntla Merika. Kubonisa ukuba imali ngeli xesha ayinalo ilizwe, kodwa ifuna inzuzo yayo, ngaphezulu kwezinye izinto zobugcisa. Kwaye ke, kwezi meko akuyiyo eyona nzuzo banokuthi bayifumane.
Esi sesinye sezizathu kubatyali zimali ezinkulu zokuhambisa imali yabo kwezinye iimarike zezabelo. Ngoxinzelelo lokuthengisa kwixabiso lezabelo okoko ukusilela kwabathengi kuchaphazela le meko ikhethekileyo ukuba yenzeke kwaye ichongiwe ngabatyali zimali abancinci nabaphakathi. Kungenxa yokuba akukho mathandabuzo ukuba ukuthengwa kunokwenziwa ngamaxabiso ahlengahlengiswe ngakumbi kwinyani entsha. Ngaphaya kweendibano ezinokubakho kwiimarike zezemali zikazwelonke, phantsi kobunye amandla okanye obunye. Ayothusi into yokuba yenye ingozi eyongeziweyo abanayo abatyali mali.