Isalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, kushiyeke ngaphezulu kancinci kwe-8% kwikota yokuqala yonyaka. Ukusuka kule meko ngokubanzi, elinye lamaqhinga ambalwa afumanekayo kubatyali mali abancinci nabaphakathi kukusebenzisa ithuba lesisahlulo esiza kuhanjiswa ziinkampani ezidwelisiweyo ngo-Epreli. Ke ngale ndlela, bakwimeko engcono yokufaka igalelo kwityala labo lokonga. Lixesha elilungileyo lokukhetha lomvuzo wabanini zabelo. Ngokusebenzisa i- intlawulo eqingqiweyo neqinisekisiweyo Oko kuya kukunceda ukhuphe ilahleko oyenzileyo kwimarike yemasheya ukusukela ekuqaleni konyaka.
Izabelo zeSpeyin azihambi ngamaxesha amahle. Le yinto icacile kwaye kuya kufuneka uyicinge ngeli xesha. Kodwa inyani yokuba u-Epreli yinyanga enomdla kakhulu kuye Intlawulo yesahlulo, inokukwenza ukuba utshintshe isicwangciso-qhinga sakho ngokuqala kwekota yesibini yonyaka. Ngaphandle kokuvela kwamaxabiso kwiimarike zemali. Ukongeza, yinkqubo esebenzayo kakhulu yokwenza utyalomali ngokusekwe kwingeniso esisigxina ngaphakathi kwomahluko. Ngenzuzo onokuyifumana ukuya kuthi ga kwi-7%.
Ngayiphi na imeko, intwasahlobo iyeza kwiimarike ezihamba ngaphandle kwendlela kunye nokuphambuka okuninzi kumaxabiso ee-indices zaseMelika. Kule meko iboniswe zizabelo zamazwe ngamazwe, abatyali mali phambi kwabo ukhetho lokwenza imali kulo Epreli. Ngenxa yokuba ungazi, kodwa ngeli xesha kukho ukuya kuthi ga kwiinkampani ezilithoba ezidwelisiweyo eSpain ababonelela abanini zabelo le mivuzo ikhethekileyo. Inokukunika olunye uvuyo kule mizuzu. Okanye ukwanelisa enye into encinci ngeli xesha lentwasahlobo esele siqalile.
Ukutya kwe-Ebro kuvula ucango
Kukwenyuka kwangoko, umvuzo wenkampani yokutya yesizwe yenzelwe. Kuba, Ukutya kwe-Ebro Baza kuhlawula i-0,19 ye-euro kubanini zabelo kwiintsuku zokuqala zika-Epreli ngesahlulelo ngenxa yeziphumo zabo zango-2017. indlela yokuqalisa esi sicwangciso kubudlelwane bakho neemarike zezemali. Kuya kubakho ixesha elininzi ngaphambili lokuphucula le mida yenzuzo. Kude kube kufikelelwa ngaphezulu kwe-0,9% eya kuthi i-Endesa ibonelele ngenyanga kaJulayi.
Kwelinye icala, enye yeetshiphusi ezinkulu eziluhlaza zaseSpain ziya kuhlawula izabelo zayo kule nyanga ka-Epreli. Sibhekisa kwizabelo zeBBVA ezibonelela nge- isivuno sesahlulo 2,4%. Ukuhambelana nezo ziveliswe kwamanye amaziko amatyala ahamba ngenqanaba lenzala ukusuka kwi-2% ukuya kwi-3%.
Iibhanki ezihlawula abanini zabelo
Le yimeko ethile yeCaixabank, ekhethe u-Epreli ukuba ahlawule izabelo zayo kubanini zabelo zebhanki. Kule meko, ibonelela ngomvuzo we-0,15 euros kwisabelo sonke, esilingana ne-53% yenzuzo edibeneyo. Inzuzo yesi sahlulo yi-3,3%. Ukugqibezela lo mjikelo wezahlulo phakathi kweebhanki ezifanelekileyo eSpain, oku kuqala kwentwasahlobo akunakubakho kwibhondi eyenziwe nguBanco Sabadell kubanini zabelo. Ngokuhambelana nemida yangaphambilini ukusukela ekupheleni kwale nyanga yokuvula izakusasaza le ntlawulo kwabo sele behambisa i-0,02 euro ngesabelo ngasinye. Oko kukuthi, xa zizonke, baya kufumana 0,07 euro ngesabelo ngasinye. Akumangalisi ukuba umyinge wesivuno sonyaka usondele kakhulu kwinqanaba leepesenti ezi-3.
Emva kwethutyana, ngoMeyi, iyakuba lithuba lelinye lamaqumrhu amakhulu ezemali afana neBanco Santander, eya kuthi ihlawule abanini zabelo izabelo ezongezelelweyo ze0,06 euro ngesabelo ngasinye. Kwinto emiselweyo njengenye yeefayile ze- amacandelo aphambili ukumisela lo mvuzo ngeli xesha lonyaka. Ngokhetho onokukhetha kulo ukuba wenze ukwenza ukonga kube yinzuzo ukusukela ngoku. Kodwa ngumahluko obonakalayo kwezi ntsuku uya kuba nokuhlawula amatyala kwiakhawunti yakho yokujonga.
Amanye amacandelo anikezela ngale ntlawulo
Ngaphandle kwecandelo lebhanki nawe unayo ezinye iindlela ukwenza le ntlawulo iqingqiweyo isebenze rhoqo ngonyaka. Esinye sezindululo simelwe yinkampani yamaphepha yaseGalician i-Ence, eya kuthi ibonelele abanini zabelo nge-0,066 yeuros kwisabelo sonke phakathi ku-Epreli. Ngelixa lesahlulo sayo, inkampani encinci eyinkunzi enje ngeMiquel y Costas iyakuhlawula izabelo zayo ze-0,145 euro ngaphezulu okanye ngaphantsi ngemihla efanayo nesalathiso sangaphambili sezabelo zaseSpain.
Unikelo aluphelelanga apha. Kodwa ngokuchaseneyo, unenye indlela onokufumana ngayo isixa semali ukuze ukwazi ukuhlawula ezinye zeendleko zakho ezifanelekileyo. Le yimeko ethile yenkampani encinci yokwenza imali Zardoya otis eya kuba noxanduva lokuhlawula i-0,08 ye-euro ngesabelo ngasinye kwi-akhawunti yalo nyaka. Nangona kunjalo, ayisosinye sezona zindululo zentengiso yesitokhwe zokusebenzisa esi sicwangciso sotyalo mali. Kuba inzuzo yonyaka yale nkampani kwimarike yaseSpain eqhubekayo iyi-1% kuphela. Kwimeko nayiphi na into, enye yezona ziphantsi kwii-equities zaseSpain.
Izabelo ezincinci
Ukugqibezela lo mnikelo ovelisa izabelo ngenyanga ka-Epreli, ezinye iinkampani ziyavela ezinikezela ngomvuzo othozamileyo. Ukuya kwinqanaba lokuba zingabinangeniso ukuba umnqweno wakho kukwenza le ntlawulo kubanini zabelo ibe nenzuzo. Ayilolize, ukuba ukhetha bona, kufanele ukuba kube kukufumana inzuzo ekusebenzeni. Oko kukuthi, a Umahluko phakathi kwexabiso lokuthenga kunye nentengiso ngaphezulu kokubalulekileyo. Ngaphakathi kweli qela likhethekileyo kukho iAirbus, ethi phakathi enyangeni ihlawule umyinge we-1,5 yeuros kwisabelo ngasinye. Ngayiphi na imeko, ivelisa imbuyekezo yonyaka ye-1,6%.
Okokugqibela, unayo enye indlela kwizabelo ezinokubanomdla kakhulu kwimidla yakho yobuqu njengomtyali mali ophakathi nophakathi. Sithetha ngabo UAena eyenye yeenkampani ezinenzuzo enkulu ukusebenzisa esi sicwangciso sotyalo-mali. Kungenxa yokuba enika isivuno semali esimalunga ne-5% kwaye yenziwe ngokusemthethweni kule nyanga. Ngokufutshane, zininzi iindlela onokukhetha kuzo ngo-Epreli ukuze uzuze izabelo. Ngoncedo onokukhetha phakathi kwezindululo ezahlukeneyo ezivela kumacandelo emarike yemasheya kunye nakwimigca yeshishini.
Izibonelelo zokusebenzisa esi sicwangciso
Ukuba ekugqibeleni ukhetha ukusebenzisa le nkqubo yahlukile kukubonelela ngobutyebi Awuyi kuba nanto unokuyenza ngaphandle kokwazi ukuba ziziphi izibonelelo eziya kuveliswa yile ntlawulo yabanini zabelo. Kuba ngeli xesha uyakuba noluhlu lwezibonelelo ekufuneka uyazi ukuba kufanelekile okanye hayi ukuya kule ntlawulo kumnini zabelo. Umzekelo, kwezi zenzo zilandelayo sikubhengeza ngezantsi.
- Iya kuba ngumzekelo oluncedo kakhulu Yandisa ibhalansi yeakhawunti yakho yokujonga. Ngale ndlela ke, kufuneka ubenendawo ekhululekileyo yokujongana neendleko zakho ezilandelayo. Okanye ukukunika i-whim encinci engaqhelekanga ukusukela ngoku.
- Yeyona ndlela isebenzayo yokwenza wenze umsebenzi ube nenzuzo kwasekuqaleni Ngokufanayo. Ngaphandle kokulinda ukuphela kwayo ukuze ube nomdla ohambelana nesiphumo sokugqitywa komsebenzi.
- Ungaya ukwenza i ibhegi yokonga yenzelwe ixesha eliphakathi okanye elide. Nokuba ithini into yokuvela kwamaxabiso abo kwiimarike zemali. Ngayiphi na imeko, sisicwangciso esiliqili esijolise kwiprofayili emiselweyo kakhulu yabatyali mali abancinci nabaphakathi.
- Unako zigqibe izikhundla kuthathwe iintsuku ezimbalwa emva kokufumana intlawulo yale ntlawulo kumnini zabelo kwiakhawunti yakho yokujonga. Sesinye sezibonelelo ezichaphazelekayo ekubonelelwa sesi sicwangciso sotyalo-mali. Ngaphandle kwezinye iindlela zobugcisa ozisebenzisayo nolunye uthotho lokhuseleko kwizabelo zeSpanish.
- Ukuba umncinci ukunqongophala kwezibonelelo zemali, inokuba sisisombululo kwezi ngxaki zemali onazo ngaloo mizuzu. Akumangalisi ukuba ezinye zeembuyekezo zifikelele kwi-5%. Ayikho enye imveliso yezemali eya kukubonelela ngezi nzuzo. Hayi iidipozithi zekota kwaye nkqu neeakhawunti ezihlawula kakhulu.
- Awungekhe uyilibale lonto kule nyanga yenye yezinto ezizalisayo Ulwabiwo-mali lwezahlulo. Ungalisebenzisa eli thuba lokuhlangana ukuze ukhethe esi sicwangciso sotyalo-mali. Ngokukodwa ngexesha apho iimarike zentengiso zamanye amazwe zingahambi maxesha amahle. Ukuze ngale ndlela, ube nakho ukwenza ingeniso emiselweyo ngaphakathi umahluko.
- Ngale ndlela, uhlala unendawo ekhululekile yokujongana neendleko zakho ezilandelayo.