Isigqibo seNkundla ePhakamileyo sichaphazela njani ukubambisa?

supremo

Inkundla ePhakamileyo iya kudibana kungekudala ukwenza isigqibo sokuba ngubani oza kujongana nokuhlawula Zomthetho irhafu Ubolekiso mali olubhaliweyo. Ke ngale ndlela, iyaziwa ekugqibeleni ukuba ingaba bayayigcina kusini na imigaqo-nkqubo emitsha nokuba iya kuba ngamashishini ebhanki na hayi umsebenzisi owenza le ndleko ngokusemthethweni xa eqesha le mveliso yokufumana ikhaya. Njengelinye lamacandelo egumbi eliboniswe ngo-Okthobha ophelileyo. Ngayiphi na imeko, iya kuba sisigqibo sokuba abanini babambiso bazazi kakuhle kuba ii-euro ezininzi zisemngciphekweni ngeli xesha.

Okwangoku, isiphumo sokuqala sesi sigqibo kukuba ethile ukukhubazeka kurhwebo lwemali mboleko yobambiso ziibhanki. Uninzi lwezithembiso zakhe zihlehlisiwe ngenxa yezinto ezinokwenzeka kwimibutho yezomthetho yelizwe lethu. Ngale ndlela, kuyaphawuleka ukuba ezi mveliso ziye zanyamalala okwethutyana kwiiwebhusayithi zeebhanki. Yiyo loo nto oobambiso-mali abatsha bengenakubhaliswa ngexesha elingaqinisekanga apho le nkqubo yezomthetho ihlala khona.

Ukungaqiniseki sisiphumo sokuqala esiveliswe sesi sigqibo sinempikiswano ukusukela ngalo mzuzu kunzima kakhulu ukwenza ubambiso lube semthethweni. Ubuncinci buhanjiswe ngeendlela zetekhnoloji. Nangona kunjalo, esi sigqibo siya kubaluleka ngakumbi kubafakizicelo abatsha bemali mboleko kuba baya kuba nakho zitshintshe iimeko zakho kuxhomekeke kwisigqibo esenziwe ngabaphathi bezomthetho. Ngelixa ngokuchaseneyo, abantu abasele benesivumelwano semveliso yezi mpawu kuya kufuneka balinde ukuze ekugqibeleni babuyise inani lerhafu.

Inzala ephezulu yokubambisa

umdla

Ngayiphi na imeko, sele kukho ezinye iibhanki ezigqibe kwelokunyusa amaxabiso okanye mandithi inzala kwimali mboleko yazo zobambiso. Oko kukuthi, banyukile ngepesenti ezimbalwa xa kuthelekiswa namaxabiso abo okuqala. Le nyaniso yokusebenza kuthetha ukuba ukusukela ngoku kuya kubakho ukwenza inzame ezinkulu zemali ukwenza isivumelwano semali mboleko. Okwangoku ukunyuka komdla kwezi mveliso akubetheki kakhulu. Xa usenza i- Ukwanda nge-0,10% malunga. Oku kuyakuthetha ukuba kuya kufuneka uhlawule i-euro ezimbalwa ngaphezulu ngezavenge zenyanga zalo mgca wekhredithi.

Kude kube ngoku bekukho imali-mboleko yokubolekwa kwemali ethe yasasazeka okokuqala ngqa ngaphantsi kwenqanaba eli-1%. Nangona le nyani kufanele ukuba ibangwe kwixabiso eliphantsi lemali kwaye le yimeko etshintshe imeko ngesiqingatha sesibini sonyaka. Ngayiphi na imeko, inye into eqinisekile ukuba abathengi kufuneka bayazi kwaye yiyo leyo ukusukela ngoku ukuya phambili abasayi kuphinda bafumane umahluko okhuphisanayo njengalawo ebekhona ukuza kuthi ga ngoku. Ukuboleka akuyi kuba yinzuzo njengale minyaka idlulileyo, kungasathethwa kangako kwiinyanga ezizayo kwaye ngakumbi iminyaka.

Unikelo lwebhanki luyanyamalala

Esinye isiphumo sesigqibo se Kwinkundla ephezulu kukuba isibonelelo sakho semali mboleko asisafumaneki kwimarike, ubuncinci iintsuku okanye iiveki. Kuya kufuneka silinde ukuba amaqumrhu ezomthetho athatha isigqibo sokuqinisekisa ukuba kuya kwenzeka ntoni ngale mveliso isisiseko kwinxalenye enkulu yeentsapho zaseSpain. Kwelinye icala, kuya kuba yimfuneko ukuba ulinde ukubona ukuba iphinda ithengiswe imali mboleko emva kokwenza isigqibo kwiRhafu kwiZenzo zoMthetho eziBhalisiweyo zobambiso.

Ukuqesha imali mboleko ngezi ntsuku kunzima kakhulu kubasebenzisi ngenxa yesigqibo somthetho esichaphazela imarike yempahla ebambekayo. Ewe, ezona zibonelelo zibalaseleyo sele zinzima ngakumbi ukubhalisa kwaye kuya kufuneka ulinde iintsuku ezimbalwa ukwenza isigqibo. Kungenxa yokuba kunokuba kunjalo kunokubakho ukwanda kweekhomishini ebonisa le mveliso yemali. Ngaphandle kwenqanaba lenzala apho kuthengiswa ngamaziko emboleko. Abasebenzisi abazukukhetha ngaphandle kokuba babe nomonde ebusweni bale meko ikhethekileyo eyadalwa kwiintsuku ezimbalwa ezidlulileyo.

I-Euribor inyuka kancinci kancinci

I-Euribor

Enye into ekufuneka uyithathele ingqalelo kwezi ntsuku kukuba isalathiso semilinganiselo ekubanjiswe ngayo amatyala obambiso avelise owesixhenxe vuka zilandelelana. Ezi ziindaba ezimbi kubo bonke abasebenzisi njengoko ziya kuchaphazela ukuhlawulwa kwemali yabo yenyanga. Ukuya kuthi ga kwinqanaba kunye nomyinge wokunyuka okukhoyo kwiimarike zezemali. Ukusuka kule meko ngokubanzi, ukonyuka kwesabelo kunokuba phakathi kwama-10 nama-30 euros malunga kwaye ngokuxhomekeke kwisixa oceliweyo. Nangona eyona nto imbi kakhulu kwimidla yabo kukuba imeko ibonisa ukuba izakuqhubeka nokukhula kwiinyanga ezizayo.

Nangona i-Euribor isekhona amanqanaba amabi, ukusukela ngo-2016, indawo yokutshintsha sele ifikile. Okwangoku ibekwe kwi-0,145%, elona nqanaba liphezulu kwiinyanga ezilithoba ezidlulileyo kunye notyekelo olucacileyo lokuqhubeka nokuwa. Oku kuthetha ukuba esi siphumo siya kugqithiselwa kubasebenzisi abathi ukusukela ngoku babe nemali ethe kratya yenyanga. Okwangoku, ukunyuka kwayo akubalulekanga kangako, kodwa kunokuba kwixesha elikude kakhulu ukuba ukuvela kweebenchmark zaseYurophu kuyaqhubeka ngale ndlela.

Umngcipheko wokunyuka okukhulu

Eyona ngxaki inkulu abanayo kwimali mboleko yobambiso abanayo okwangoku kukuba Umgangatho waseYurophu unokuba kwinqanaba elifanelekileyo iminyaka emininzi. Kuba le meko inokuthetha umahluko kwintlawulo yobambiso lubaluleke kakhulu kwaye kwimfuno ejikeleze i-200.000 ye-euro kunokuthetha inkcitho eyongeziweyo kufutshane ne-50 euros inyanga nenyanga. Okanye nangakumbi njengoko ukunyuka bekuqhubeka kwiinyanga. Lo ngumngcipheko abasebenzisi abanawo ngenxa yokubhaliselwa kwemali mboleko eguqukayo.

Imali mboleko yokuthengwa kwendlu ngexabiso elimiselweyo, ngokuchaseneyo, inenzuzo enkulu yokuba intlawulo enye yenyanga iya kuhlala ihlawulwa nokuba kwenzeka ntoni kwiimarike zezemali. Ngale ndlela baya konwaba a ukuzola okukhulu ngelixa ityala lekhredithi liqhubeka. Esi sesinye sezizathu zokuba ibambiso yemali ebekiweyo ifunwe ngakumbi ngabathengi, ngokutsho kweNational Institute of Statistics (INE). Ukuza kuthi ga kwinqanaba lokuba bakhule ngaphezulu kweendlela ezilindelwe ziibhanki.

Enye yezinto ezilungileyo kakhulu kwicala le iqondo lobambiso olumiselweyo kukuba benziwe bayazi ukuba bahlawule ntoni na ngalo lonke ixesha. Ngenxa yolu phawu lukhethekileyo, baya kuba kwimeko engcono yokucwangcisa iindleko kunye nokulawula ngcono uhlahlo-lwabiwo mali lwabo okanye losapho. Ukutshintshiselana nenyaniso yokuba abayi kuba nako ukuxhamla kokwehla kwexabiso lemali, njengoko kwenzekile kwiminyaka edlulileyo xa bekuyinzuzo kakhulu ukuthatha umyinge wemali mboleko.

Ukunyuka kwiikhomishini

iikhomishini

Isigqibo esiza kuthathwa yiNkundla ePhakamileyo ukuba ngubani oza kujongana nokuhlawula Zomthetho irhafu Ubolekiso lwamaxwebhu olubhaliweyo nalo luya kubaluleka kakhulu kuba luyakuqinisekisa ukuba iibhanki zinokunyusa iikhomishini zale mveliso yezemali. Kuba, enyanisweni, banokubakhulisa ngeshumi leepesenti ngokuthelekiswa neerhafu zabo zangoku. Le yimeko abahlalutyi abaninzi bezemali abaye balumkisa ngayo, kuba bakholelwa ukuba ekugqibeleni iya kuba ngabaxhasi ngokwabo abaya kuthwala iindleko.

Kwelinye icala, oku kunyuka kweekhomishini zobambiso kungasekwa ngokwemiqathango yeziko ngalinye lekhredithi, kwimida yorhwebo eya kuthi ijikeleze phakathi kwe-0,50% kunye ne-2,00%. Ngale ndlela, kufuneka kukhunjulwe ukuba okwangoku zininzi kwezi mveliso ezikhoyo uxolelwe kwiikomishini kunye nezinye iindleko kulawulo lwayo. Kodwa ngenxa yeemeko zentengiso ezilungileyo kunye nenqanaba lokuba inzala ibikwinqanaba elifanelekileyo lokusebenzisa oku kuncitshiswa okukhulu.

Ukunyusa imali

Ngayiphi na imeko, kukho imeko ecacileyo kwaye lelo xabiso leemali mboleko zobambiso ziya kunyuka kancinci kancinci ngaphezulu kweenyanga. Ingakumbi ngaphambi kokubonakalayo ukunyuka kwezinga eziza kuveliswa ukusuka kunyaka olandelayo kwindawo ye-euro. Ngenxa yesigqibo seBhanki eNkulu yaseYurophu (i-ECB) yokuyonyusa isuka kwi-0% abakulo ngoku. Ngaphandle kwezinye izinto zobuchwephesha ezihambelana nale mveliso yebhanki.

Oku kuyakuthetha ukuba ukusukela kwangoko, abasebenzisi baya kufuna iinzame ezinkulu zemali ukulawula olu didi lweemveliso. Akukho nto iya kuphinda ifane kwakhona kwaye amanyathelo okuqala sele ethathiwe.


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