Izabelo ezivela kwimarike yaseSpain njengenketho yotyalo mali

Thenga izabelo ngokusekelwe kwisahlulo abasasazayo

Elinye lamaqhinga apho abatyali mali abazikhuselayo baqala khona ziinkampani ezidweliswe kwizabelo zaseSpain ezinika abanini zabelo zabo usasazo lomvuzo kwinzuzo yabo Ziyaziwa njengezahlulo, kwaye oko Zenziwe njengendlela yokufumana ingeniso emiselweyo ngaphakathi kokungafaniyo. Yinto elula leyo, kodwa kwangaxeshanye inzima njengoko uza kujonga ukuba ngaba le yiprofayili yakho njengomtyali mali.

Inxalenye elungileyo yeenkampani zikazwelonke ezidweliswe kwimakethi kazwelonke eqhubekayo ziphethe ngokuhambisa izabelo kubo bonke abagcini-zithuba abathathe izikhundla kwizabelo zabo. Zibonisa izivuno zonyaka ezahlukileyo Baqala kwi-1% encinci, ukuya kwesona sisa siphakamisa imida yabo phantse ukuya kwi-8%. Neqela liphela leenkampani ezijongene nokusasaza lo mvuzo phakathi kwabatyali mali abathengile izabelo zabo.

Kodwa ngoku, kuyacetyiswa ukuba kuthengwe ukhuseleko oludwelisiweyo kwinto nje yokuba isasaza izabelo phakathi kwabanini zabelo? Impendulo iya kuxhomekeka kwiprofayili yomtyalomali onayo. Akumangalisi ukuba ezona ndawo zilondolozekayo zezona zinokusebenzisa esi sicwangciso kutyalo-mali lwabo. Nkqu inokukunceda ukukhusela kwilahleko yexesha elizayo. Oku kunjalo, kuba okwangoku ufumana imbuyekezo kulondolozo lwakho lwe-5% ngonyaka. Kwaye nangayiphi na imeko, inokucima (okanye ihlomle) iinzuzo ezinkulu eziveliswe ngokusesikweni komsebenzi.

Enye into efanelekileyo ekufuneka uyithathele ingqalelo yile Isahlulo abakunika sona sitsalwa ngqo kwixabiso lesabelo. Ayisosipho konke konke. Nangona ihlala iyifumana kwakhona emva kweeseshoni ezimbalwa zokurhweba, nangona le nkqubo ingaqinisekiswanga kwi iimarike zemali. Ngayiphi na imeko, into eza kukuvelisa kukuba unemali eninzi kwiakhawunti yakho yokujonga, kulapho ezi ntlawulo zinikezelwe ziinkampani ezidweliswe kwizabelo ziya kuhamba khona. Kwaye uphinde uphinde uyibuyise, ukuba lo ngumnqweno wakho.

Iimpawu zeenkampani ezihambisa izabelo

Zeziphi iinkampani ezinikezela ngazo izabelo kubanini zabelo?

Ayingabo bonke abenza olu lwabiwo lwenzuzo yabo, kodwa kuphela abo badityanisiweyo kumashishini, kwaye banendima ebaluleke kakhulu kwisalathiso sesitokhwe sesizwe. Kuya kuba lula kuwe ukuba ubazi, kwimeko apho isicwangciso-qhinga sakho sokwenza ukonga okunenzuzo sidlula kule modeli. Kwaye ngokungafaniyo nezinye iinkampani, bacinga uthotho lweempawu ezisoloko zikhona, kwaye oko kwenza ukuba zibonakale kakhulu kubathengi.

  • Iinkampani ezinkulu, kwaye banobunzima obukhethekileyo kwimarike yaseSpain. Amasheya amaninzi atshintshelwa kwiseshoni enye yokuthengisa, kwaye nakweyiphi na imeko ingaphezulu kolunye ukhuseleko.
  • Bavela phantse kuwo onke amacandelo emarike yemasheya, ngaphandle kokukhutshelwa ngaphandle: iibhanki, i-inshurensi, iinkampani zokwakha, iifowuni, iinkampani zamandla, iimpahla zabathengi, njl.
  • Banikezela ngeemodeli ezizinzileyo zeshishini, eziye zaphuhliswa ngempumelelo kwiimarike iminyaka emininzi, kwaye ke kunjalo Ithembekile ngabo bonke abatyali mali, kokubini amaziko kunye neevenkile.
  • Ixesha lezahlulelo alifani, kuba ziphuhliswa ngobuninzi: Ngonyaka, semi-yonyaka okanye ngekota, kuxhomekeke kumgaqo-nkqubo womvuzo, kwaye unokukhethwa ngabasindisi ngokusekwe kweli galelo.
  • Zonke iitshipsi eziluhlaza kwimarike yaseSpain, oko kukuthi, eyona nto imeleyo, yenza ezi ntlawulo zisebenze, ngaphandle kokukhutshelwa ngaphandle, umahluko kuphela kwesixa sayo.
  • Iinkampani ezenza ezi ntlawulo kwiakhawunti Zihlala zizezona ziqwalaselwa ngabaphathi bezimali ezinkulu, ezihlala zibabandakanya kwimodeli zabo.
  • Amaxabiso athambekele ekutsaleni imali yabatyali mali abancinci nabaphakathi kujongwa umvuzo oqinisekileyo wolondolozo lwabo, kwaye uhlala rhoqo.
  • Iingcaphuno zakho zihamba phantsi kozinzo olukhulu kumaxabiso azo Ngaphandle kolunye ukhuseleko, kwaye ngaphandle kokubonisa ukungazinzi okukhulu kubo. Ayifanelekanga kakhulu kubaqikeleli.

Amaqhinga amancinci abatyali mali

Ngale klasi yeenkampani, abathengisi bahlala baneendlela ezininzi zokuhambisa imbuyekezo kwimpahla yabo. Azisoloko zifana, kwaye ziya kuxhomekeka kakhulu kwiimeko zakho njengomtyali mali. Enye yezona ndawo zixhaphakileyo isekwe ekuthatheni isikhundla (ukuthenga) kwezi nkampani kwiiveki eziphambi kokuhanjiswa kwalo mvuzo.

Kwelinye icala, bakuqinisekisa ukuba uyakufumana isabelo, kwaye kwelinye, uya kuthatha ithuba lokuzinza okukhulu kwikoteyishini yamaxabiso abo. Kungenxa yokuba ukuthengwa kuhlala kunyanzeliswa kwintengiso kwiiveki ngaphambi kokuba zinikezelwe.

Elinye iqhinga elisetyenziswe ngabasongi liqukethe Yenza ingxowa mali yolondolozo kule minyaka imbalwa izayo, nokuba igalelo labo libonisa ntoni. Ngale ndlela, bakhusela imali encinci minyaka le. Kwaye oko kunikwe iimeko zangoku zeemveliso eziphambili zebhanki (idiphozithi, amanqaku ezithembiso, iibhondi, njl.njl.) Ngowona mthombo ubalulekileyo wenzuzo abanayo okwangoku.

Iimveliso zengeniso esisigxina, kwaye ngenxa yemali engabizi kakhulu yi-European Central Bank (i-ECB), azisenenzuzo kangako. Akunanto, ukusebenza kwayo kuhamba lelinye lawona maxesha amabi kule minyaka idlulileyo, ngezantsi komqobo we-1%. Ngelixa izahlulo inzala ye-5% inokufumaneka ngokulula.

Ukujongana nemeko ebonisiweyo, baninzi abatyali mali bemveli abathi, betyalwe kwiimveliso zebhanki ezenzelwe ukonga, bajika umdla wabo kwiinkampani eziphuhlisa ezi ntlawulo. Kwaye unokwenza ukuba imisebenzi ibe yinzuzo ngokudweliswa kwayo kwiimarike zezemali, okoko nje ukuhamba kwayo kuhamba kunye nawe.

Zisabalalisa malini ezi nkampani?

Yintoni izahlulo ezinikezelwa ziinkampani ezidwelisiweyo?

Unyaka osandula ukuqala uza nesonka phantsi kwengalo yabanini zabelo, njengoko iinkampani zinyuse intlawulo yabanini zabelo phantse nge-2%. Yintoni egqithisile, Amalungu aliqela e-Ibex-35 aya kubonelela ngesivuno esingaphezulu kwe-5% kwezi nyanga zilishumi elinambini zizayo: Enagás, Telefónica, Iberdrola, Red Eléctrica, EBME kunye neRapsol, phakathi kwezona zibalulekileyo.

Icandelo lezombane liza kuqhubeka ukuba lelinye lawona mazwe athe xhaxhe kubanini-zabelo ngowama-2016. Kwenzakala icandelo lebhanki, nelithe labona ukwehla komvuzo kule minyaka idlulileyo, ngenxa yohlengahlengiso ekufuneka belwenzile ukucoca ingxelo yengeniso.

Ukuba injongo yakho kukukhetha le modeli yotyalo-mali, izibonelelo aziyi kusilela kwiinyanga ezizayo, ngokuqinisekileyo. Ikhalenda yayo igcwele izindululo ngezi mpawu, kwaye oko kuya kuhamba nembuyekezo encinci kwi-1%, kwaye ngeyona njongo iphezulu yokufikelela kwi-8%. Nkqu Awunyanzelekanga ukuba uzilinganisele kwiinkampani zesizwe, kodwa ungaphumela ngaphandle kwemida yethu ukuze ufumane amathuba Kweli qela lezitokhwe, kunye nembuyekezo enobubele ngokulinganayo, ngakumbi ezo zivela kwiimali zelizwekazi zakudala.

Nangona kunjalo, ukuba unqwenela ukukhetha isicwangciso sotyalo-mali esinezahlulo ezikhoyo, kuya kufuneka usoloko ukhumbula irhafu entsha esetyenziswe eSpain ukusukela ngo-2015. Kwaye ngokuqinisekileyo ayithandeki kwaphela kwimidla yakho, njengoko ukukhululwa kwee-euro ezili-1.500 zokuqala eziqokelelwe kwisahlulo kuye kwasuswa.

Ukuziqhelanisa kuya kuthetha ukuba kwiNgxelo yeNgeniso yakho elandelayo kuya kufuneka uhlawule kwi-euro yokuqala oyifakela lo mbono. Ukusuka kolu luvo, kuya kufuneka uvavanye ukuba unomdla wokubaqesha okanye hayi, kwaye isigqibo sabo siza kuxhomekeka kwezinye izinto ozifakayo kuxwebhu lwerhafu: ukuncitshiswa, ingeniso evelisiweyo, ubulungisa, njl.

Ezinye iingcebiso zokuvavanya ukuqesha kwakho

Ezinye izitshixo zokwenza izabelo ezinenzuzo kwimarike yemasheya

Isigqibo sokugqibela sokuba ubhalise kolu hlobo lokhuseleko siya kuhambelana nawe kuphela, akekho omnye umntu. Okokuqala, kuya kufuneka uhlolisise iprofayile yakho njengomgcini, ukujonga ofuna ukukunika kutyalo-mali lwakho, ngakumbi Ixesha ojolise kulo: liphantsi, liphakathi okanye liphezulu. Kwaye ngokusekwe kwezi zinto zixabisekileyo, thatha isigqibo ngeyona modeli yotyalo mali. Kwaye inokuba yile. Nangona uhlala ugcina engqondweni ezi zinto zilandelayo

  1. Ukuba ungumtyali mali onamaxesha amafutshane kakhulu okusisigxina, kuya kuba ngcono ukuyeka le misebenzi, ukusukela oko ukuze ube nenzuzo kuya kufuneka ubenabo kwipotifoliyo yakho iminyaka eliqela.
  2. Ukuba uyaqinisekisa, xa isahlulo sele sabiwe, ukuba izabelo zibuyela kumaxabiso abo amadala, isenokuba lixesha lokuba uvale izikhundla, ukuthatha ingeniso yomvuzo kwiakhawunti yakho yokujonga.
  3. Ngale ndlela ikhethekileyo ungenza ingeniso emiselweyo minyaka le, ezincedisana nezo uhlala unazo rhoqo ngenyanga, kwaye oko kunokukunceda nokuba ukukunike into encinci.
  4. Ukuba ukhetha izabelo eziguqukayo ezinye iinkampani ezinegalelo kuzo, uya kuba nazo ithuba lokuphinda utyale le ngeniso kwinkampani, Ngezenzo ezitsha. Ngayo, imbuyekezo kutyalo-mali lwakho iya kuba phezulu.
  5. Abona batyalomali bathelekelelayo Banokuthatha ithuba lokunyuka kwexabiso labo kwiiveki eziphambi kohambiso lwesahlulo, bevala izikhundla zabo ngenzuzo eyinkunzi, nangona besengqiqweni bengafumani ntlawulo.
  6. Ukulindela ukukhula kuya kuhamba ngaphandle kokunikwa lo mvuzo, kwaye mhlawumbi inkampani engasebenzisi lo mgaqo-nkqubo wentlawulo, ikwimeko engcono yokuya kwizabelo eziphezulu kwikoteyishini, kwaye ke, iluncedo ngakumbi kwimidla yakho.
  7. Kwaye ngoku kufuneka ukhethe kuphela kunikezelo olubanzi nolwahlukeneyo olunikezelwa ziinkampani ezidweliswe kwiimarike zokulingana, kuzwelonke nakwamanye amazwe. Izindululo zazo zonke iintlobo, ngokubhekisele kwintsebenzo kunye nexesha lokuhlawulwa kwazo.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
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  1.   UJuanma sitsho

    Abo beSantander sele behlisile kum

  2.   UJuanma sitsho

    Ngalo lonke ixesha abona bantu banegazi banikela kancinci

  3.   UJoseph kwakhona sitsho

    Ngamanye amaxesha iyabaphakamisa, kwaye kwezinye iyabathoba. Enkosi