Olunye uloyiko kwicala labatyali zimali abancinci nabaphakathi okwangoku kukuba ityala loluntu liphezulu kakhulu kwaye linokulinganisa ubunzima bokuvela kweemarike zezabelo ngokumalunga neebenchmark eziphambili zelizwe. Lo ngomnye wemicimbi ekhokelele kwi ukuthenga nokuthengisa izabelo ngabathengisi. Ngesi sizathu, kuya kusiba yinto eqhelekileyo ukuqokelela ulwazi kwimeko eyiyo yamatyala oluntu kwilizwe lethu. Hayi ngelize, ngandlela thile iya kuba sisizathu sokuvela kweemarike zesitokhwe.
Okokuqala, kufuneka icaciswe ukuba ityala loluntu okanye ityala elizimeleyo licace ngaphezu kwawo onke amatyala urhulumente agcina ngokuchasene nabantu okanye amanye amazwe. Oko kukuthi, ziiasethi eziyimali eziyityala umntu wesithathu kwaye zinokuthi okanye zingabinayo ubutyebi belizwe okanye indawo yezoqoqosho. Akumangalisi ke, ukuba ayinakulityalwa ukuba indlela yokufumana izibonelelo zemali yenziwe ngurhulumente okanye naliphi na igunya loluntu ngokwesiqhelo izinto ezibonakalayo ngokukhutshwa kokhuseleko okanye iibhondi.
Ngale ndlela, ngokubhekisele eSpain, ngoDisemba ophelileyo 2018 ityala loluntu likhule nge-8.248 yezigidi ze-euro xa kuthelekiswa no-Okthobha, ukuze isuke kwi-1.160.976 yezigidi ukuya kwi-1.169.224 yezigidi. Ke ngoko, ityala loluntu ngeli xesha lihlalutyiweyo liye laba yi-96,96% ye-GDP kunye ne-capita ityala ngalinye, eliye lehla kule nyanga, ibizi-24.882 ze-euro. Ukuba siyithelekisa naleyo ka-Novemba ka-2017, siyabona ukuba kunyaka ophelileyo, ityala liye lakhula ngetoni laya kwi-euro ezingama-600 ngomhlali ngamnye.
Ityala loluntu eSpain
Kwelinye icala, ityala loluntu kwilizwe lethu ikhulile kwikota yesithathu ye-2018 kwi-11.736 yezigidi ze-euro kwaye yema kwi-1.175.704 yezigidi ze-euro. Eli nani lithetha ukuba ityala lifikelele kwi-98,3% yeMveliso ePheleleyo yaseKhaya (GDP) eSpain, ngelixa kwikota edlulileyo, kwikota yesibini ye-2018, ibiyi-98,1%. Ke ngoko, ukuba sithelekisa ityala laseSpain kwikota yesithathu ye-2018 kunye nekota enye ye-2017, siyabona ukuba ityala lonyaka lenyuke nge-42.327 yezigidi zeerandi.
Zonke ezi zinto zibalulekileyo zihlalutywe ngeenkcukacha ezinkulu ngabatyali mali ukufumanisa ukuba lelona xesha lililo lokungena kwiimalike zezabelo. Yi Ipharamitha ethembekileyo kakhulu oko kunokukunceda ukuba uthathe esona sigqibo sihle nakweyiphi na imeko yokudibana kuqoqosho lwaseSpain. Ukufikelela kwinqanaba apho sinokuthembela kuyo ukuphuhlisa isicwangciso-mali esichazwe kakuhle sokurhweba ngempumelelo kwiimarike zezabelo.
Ungazicacisa njani ezi datha?
Kuyathakazelisa kakhulu ukuhlalutya le parameter yezoqoqosho ukuze uthathe isicwangciso sokuphuhlisa utyalo-mali. Ngale ndlela, kuya kuba luncedo kakhulu ukujonga ixesha eliya kulo Utyalomali oluthe ngqo kunye nemali eyinkunzi enokutyalwa kulo nyaka. Ngesi sizathu, kuyacetyiswa ukuba umtyali mali encinci ahambe ngolunye uthotho lwezikhokelo ezilula neziluncedo ukuze utyalomali lwabo lukhule ngendlela eyonelisayo kwimidla yabo.
Ngexesha elifutshane, amaxabiso okusika aqikelelweyo kufuneka akhethwe kwaye anemida ebanzi yokuhla enyuka. Oko kukuthi, mababe njalo eguqukayo kakhulu phakathi kwelona xabiso liphezulu kunye nelona lincinci leseshoni. Esi sicwangciso-qhinga asikhuthazwa unyaka wokungaqiniseki njengalowo unokwenzeka kulo nyaka-mali umiyo nekufanele ukuba silindele omnye unyaka oncomekayo ukuze umdla weemarike zezabelo ufike.
Ixesha elide lokuhlala
Kwixesha eliphakathi okanye elide, kufuneka kukhethwe iinkampani ezinemilinganiselo efanelekileyo yolawulo, kwaye ngokubanzi zazo Imarike yestokhwe oscillation ayiphezulu kakhulu. Banesibonelelo esongezelelekileyo sokuba bavuze umnini zabelo ngentlawulo yezahlulo zonyaka. Iya kuba yeyona ndlela ilungileyo yokunxibelelana nezabelo kulo nyaka, ngenxa yomngcipheko wokubuyisa umngcipheko. Ngomvuzo ophakathi ngalo mzuzu yimarike yestokhwe saseSpain esikufutshane ne5%. Ukongeza, yindlela yoqobo yokwenza ipotifoliyo yengeniso esisigxina ngaphakathi kokungafaniyo. Ewe kunjalo, nokuba zithini na izabelo ezidweliswe kwiimarike zemali.
Ngokuqhelekileyo xa sithetha ngetyala sithetha uluntu. Kwikota yesithathu yonyaka eSpain, ityala laseSpain limi kwi-1,17 yezigidi zeerandi, i-98,30% ye-GDP. Kwelo tyala, i-961.998 yezigidi ifanelana noMbuso kwaye yonke eminye imisebenzi yolawulo. Kwelinye icala, iinkampani zingena ematyaleni ngaphandle kwemida yethu. Kwityala elikhankanywe ngasentla likaRhulumente waseSpain, i-44,76% yayisezandleni zabaphambukeli, i-430.573 yezigidi. Kodwa eli tyala langaphandle ayisiyiyo kuphela, iinkampani nazo ziboleka kwilizwe langaphandle.
NgokweBhanki yaseSpain, ukuba sithathela ingqalelo i Ityala langaphandle lilonke oku kufikelela kwi I-2,004 trillion ye-euro, i-167% ye-GDP. Kodwa ekubeni iinkampani zaseSpain zityala imali kumazwe aphesheya, intsalela yetyala elo (esinetyala elingaphantsi kwelo basityala lona) lifikelela kwi-965.000 yezigidi zeerandi, i-80,6% ye-GDP.
Yenza imisebenzi ibe yinzuzo
Okwangoku apho iinzuzo ezinkulu ziqala ukuvela kutyalo-mali olwenziwe, kuyinto eqhelekileyo ukuba abo bagcina imali baqwalasele ukuba lixesha elifanelekileyo na lokuthengisa okanye, ngokuchaseneyo, kungcono ukuba ulinde izibonelelo ukuba zibe nkulu ngakumbi. Ngesi sizathu, kuye kwayimfuneko ukuba ngaphambili kwenziwe isicwangciso-nkqubo apho iinjongo zomtyali zimiselwe. Ziya kujoliswa ngokusekwe kwiprofayili, ixesha ekujoliswe kulo kunye imali eyenziweyo, Eziza kuba zezizo ezigqiba ekugqibeleni ukuba umtyali mali omncinci nophakathi uthatha isigqibo kwenye okanye kwenye indlela yentengiso yemasheya.
Kwiimeko zokunyuka okuphezulu, eyona nto isengqiqweni kukubamba utyalomali de ufumane amaxabiso angcono kwikoteyishini yayo. Okanye ngokuchaseneyo, de kuvele imiqondiso ebonisa ukugqitywa kwale nkqubo. Nangona kufanele kuqatshelwe ukuba kukho umngcipheko we bawele kwiimeko ezingaqhelekanga Oko kunokubangela ukuba ixabiso lihle kakhulu ngelahleko enokubakho kwingxelo yakho yengeniso. Kuyimfuneko ukuba icace gca malunga neenjongo ezilandelelweyo kutyalo-mali ngalunye olwenziwe ukusukela ngoku.
Hlaziya iingozi zomsebenzi
Kwelinye icala, kuyacetyiswa ukuba ukhethe ifomyula edibanisa ukulingana phakathi kokhuseleko kunye nomngcipheko njengecebo lokugcina izixa ezikhutshiweyo. Ngokukodwa kula maxesha e-bearish apho kulula khona kune Ingeniso encinci yenkunzi kufunyenwe ilahleko emva kweeseshoni ezimbalwa zorhwebo. Oko kukuthi, ngokubuyela kumanani abomvu kumtyali mali, ngengxaki ke yokuba uza kuthengisa ngeziphene okanye ungene nzulu kuzo. Enye yeemeko ezinzima kakhulu umtyalomali wentengiso anokuhamba ngayo. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izinto ezisisiseko.
Ngelixa ngokuchaseneyo, ukupapashwa kwedatha elungileyo kwityala likarhulumente kungasebenza ukuthatha isikhundla kwiimarike zezabelo ngendlela enobundlongondlongo ngakumbi kunesiqhelo. Kungenxa yokuba inokuba ngumqondiso olungileyo kakhulu kwixesha eliphakathi nelide kwimarike yemasheya. Kungenxa yokuba ibonisa ngaphezulu kwayo yonke uzinzo lwezoqoqosho welizwe okanye lommandla wezoqoqosho. Kwelinye icala, kufanele ukuba kuqatshelwe ukuba yidatha ebonelela abatyali mali ukuzithemba okukhulu ekuphuculeni utyalomali lwabo benethemba elikhethekileyo.
Jonga izaphulelo
Ngayiphi na imeko, kuya kuhlala kufanelekile ukuba ujonge kakhulu kwiimbuyekezo ezinokuthi ziphuhle. Kuba ekupheleni kosuku banokuba ngu Umgibe we-bearish oko kunokukuxabisa kakhulu kula maxesha achanekileyo.
Akukho ukuthembela kwaye izandla ezomeleleyo Iimarike zezimali azizimiselanga kutyalo mali nazo. Yisimo esifanelekileyo sokwenza isaphulelo ukuba senzeke. Kwimeko enjalo, ukufumana izizathu zokuba nethemba kunzima kwaye kunzima ukuba imali iye kwi Iiparquets Iimarike zamasheya. Abatyalomali bayasilela, ukuthengisa kuyaqhubeka, kwaye iimvakalelo zokuwa simahla zilawula. Ukuthengiswa ngaphezulu kuneepesenti eziphezulu kakhulu, kwezinye iimeko ngaphandle kwesiqhelo.
Kulapho, ngexa lokumangaliswa, le ntshukumo inyukayo yethutyana iqala ukubamba ngesantya esiguqukileyo abagcini abangabalekiyo abangazithembanga kwizabelo kuba bekholelwa ukuba amaxabiso ezokhuseleko aya kuwa kakhulu kwiiseshoni ezizayo. Amava kwindaleko yeentengiso zentengiso abonisa ukuba ukunyuka akukho mda okanye ukuwa okungapheliyo.
Ziya kujoliswa ngokusekwe kwiprofayili, ixesha ekujoliswe kulo kunye imali eyenziweyo, Eziza kuba zezizo ezigqiba ekugqibeleni ukuba umtyali mali omncinci nophakathi uthatha isigqibo kwenye okanye enye indlela yokutshintshiselana ngesitokhwe, kungenxa yokuba inokuba ngumqondiso olungileyo kwixesha eliphakathi nelide kwimarike yemasheya-