Iziphumo zikaSantander zenza ixabiso lazo kwimarike yentengiso

Isibhengezo seziphumo zeshishini kwikota yesibini yalo nyaka khange zihlale kakuhle kuqikelelo lwamaxabiso ezabelo zeBanco Santander. Ukuza kuthi ga kwinqanaba lokuba bohlwaywe ngakumbi kwisalathiso esikhethiweyo sezabelo zaseSpain. Ngokusayina ithontsi lokuqina okukhulu, malunga neepesenti ezi-4 zokufumana iipesenti ezingama-35 ngaphantsi konyaka ophelileyo. Ngenxa yokugqithisa kwayo ukuboniswa e-UK, nangona iqinisekisa isabelo sokuqala ngokuchasene neziphumo ze-2019 ngesixa se-0,10 yeuros ngesabelo ngasinye esiya kuqokelelwa ngenyanga ka-Novemba.

Uhlengahlengiso lwenkoliseko yase-United Kingdom, ebhengezwe nge-24 kaSeptemba, idlale iqhinga kubatyali mali beqela lezemali laseSpain. Apho kwiseshoni enye yokurhweba baphulukene nee-euro ezininzi apha endleleni kwaye kuya kufuneka sikulungele okwenzekayo ukususela ngoku. Ngamaxesha obuthathaka kwicandelo lebhanki kwaye oko kungakhokelela kuxinzelelo lokuthengisa ukuze uzibeke ngokucacileyo kwakhona kumthengi. Emva kweeveki ezimbalwa apho ixabiso lalibonakala ngathi liphinde lavela ngenjongo yokugqitha kumanqanaba eeuros ezine isabelo.

Ngeli xesha, ubuchwephesha bayo buba mandundu kakhulu xa kuthelekiswa neeveki ezidlulileyo kwaye kukho umngcipheko wokuba ixabiso lezabelo libuyele ekutyeleleni le ndawo phakathi kwama-3.30 nama-3,40 euros. Ngokuya isiba mandundu imeko engakhokelela ekucingeni ezona meko zimbi kwimidla yeBhanki engusihlalo wayo nguAna Patricia Botín. Sisibhengezo esipheleleyo senjongo eya kuthi iqinisekiswe kwiiveki ezizayo. Kule meko yokudibana, ewe akukho mathandabuzo yokoyika okona kubi kwiintsuku ezizayo, emva kolu tshintsho kulindelo lwabo kwixabiso.

I-Santander: idlula i-4 euro

Isitshixo sokunyuka ngokunyuka okuphezulu, ubuncinci kwixesha eliphakathi nelide, kufuneka ukuba udlule ngokulula isithintelo se- I-4 euro ngesabelo ngasinye. Inqanaba apho inkampani isuswe kude ngalo mzuzu, emva kokuhla kwamaxabiso kwiimarike ze-equity. Ukuba le njongo ayifezekiswanga, alithandabuzeki elokuba abatyali mali abancinci nabaphakathi abagqibe ekubeni bathathe izikhundla kule nkampani idwelisiweyo baya kusokola kakhulu. Kuba inazo zonke iivoti zokuya phambili phantsi kokudibana kwamaxabiso. Ngomngcipheko wokuba unokuvavanya amanqanaba angaphantsi kwe-euro ezintathu.

Le ayisiyonto ikhuthazayo kakhulu kubasebenzisi beemarike zentengiso, kwaye iqinisekisa ukuvela kwayo kulo nyaka. Njengabaninzi abakhuphisana nabo kwicandelo lebhanki, njenge BBVA. Kunyaka ongakhange ubonakalise mdla kwimibutho yeebhanki eshiye nje i-15% yoqikelelo lwexabiso ecaleni kwendlela. Akukho themba lingcono lomthambo oza kuqala, nangona kwimarike yemasheya yonke into inokutshintsha kwimizuzu nje embalwa. Njengokuba abasebenzisi beqhelile kwiminyaka yakutshanje kwaye bebekulindeleni kule minyaka imbalwa izayo.

Iindlela zotyalo-mali

Ngayiphi na imeko, unokusebenzisa esinye isicwangciso-qhinga sotyalo-mali ukuze wenze imisebenzi yakho kwimarike yemasheya inenzuzo ngeli xesha linzima kwinxalenye enkulu yeeasethi zemali. Kungenxa yokuba, ngaphandle kokuba kukho utshintsho ngokubanzi kumgangatho wentengiso yee-equity, umbono awonelisi kakhulu kwimarike yesitokhwe sikaBanco Santander. Ngaphaya kwoluhlu lwe Ukubuya okunamandla kakhulu, ezingaphezulu kokuthenga ziya kunceda ekulungiseni izikhundla ngexabiso lokuqala elikhuphisanayo. Njengenye yeendlela zotyalo-mali osele uzifumene ukusukela ngoku.

Ngelixa kwelinye icala, unokuqokelela izikhundla ngokusika okusha kwixabiso lokwenza ifayile ye ibhegi yokonga ezinzile ngakumbi kwaye inomdla kakhulu kwixesha eliphakathi kwaye ngakumbi ixesha elide. Ukuze ngale ndlela, ube nenkqubo yotyalo-mali enokukunika ulonwabo oluninzi ukusukela ngoku. Ngaphandle kwesidingo sokuba uqaphele ukwenzeka kwamaxabiso phantse yonke imihla. Ukuba akunjalo, ngokuchaseneyo, ungagxila ekuphuhliseni ezinye izicwangciso zotyalo-mali, kule meko ijolise kwixesha elifutshane kwaye ukonwabele ukuzuza kwemali ngexesha elifutshane kakhulu.

Ukwahlulahlula imveliso

Esinye sezikhuthazo zokuvula izikhundla eSantander kukuba unokwenza ipotifoliyo yotyalo-mali kwimali engenayo esisigxina kwi-variable. Nokuba kwenzeka ntoni kwiimarike zengeniso ezidwelisiweyo kwaye oko kuya kukunika ukhuseleko ngakumbi kulindelo lwakho kule minyaka izayo. Akumangalisi ukuba ngalo mzuzu inzuzo yesahlulo sayo isondela kwinqanaba le-6%. Umyinge onokubangela umdla kakhulu kwiimfuno zakho zokuhlawula amatyala ukusukela oko iintlawulo zihleliwe kwaye ziqinisekisiwe minyaka le. Ngokuhlawuliswa kabini okanye kane kwiakhawunti kwaye kuxhomekeke kwisicwangciso esenziwe leli qumrhu lezemali.

Kananjalo akufuneki ukuba siwujongele phantsi lo mvuzo kwimivuzo yabanini zabelo kuba iyindlela yokuzikhusela kwiimeko ezimbalwa ezinqwenelekayo kwiimarike zezabelo. Kuba ngale ndlela, uya kuba nakho ukuseta ilahleko enokubakho kutyalo-mali kule bhanki. Ngamanye amagama, ezi lahleko azisokuze zibe gross, kodwa ngokuchaseneyo, ziya kuba ngumnatha. Ngelixa kwelinye icala, uyakuhlala unayo imali oyityalileyo Kwaye uyakuba kwimeko entle yokulindela amaxabiso ezabelo ukuba ahlawule kwakhona kwiminyaka embalwa ezayo. Esi sesinye sezizathu zokuba esi sicwangciso sotyalo-mali sijolise kubatyali zimali abancinci nabaphakathi ngenqanaba lokuzikhusela okanye lokugcina.

Inzuzo yexesha elide

Ngezenzo zikaBanco Santander uya kuba nento enye ngokuqinisekileyo kwaye uya kuba nakho ukuqinisekisa uhlobo lwenzuzo emva kweminyaka emininzi yokusisigxina. Kukubheja ngezinto ezintle kakhulu ngokubhekisele kubude bexesha lokusebenza kwaye kwezinye iimeko ezithile kudlula nokusuka kubazali kuye kubantwana kwaye kube lutyalo-mali olubiziweyo ilifa. Oko kukuthi, ayikaze yenziwe ngokuthengisa kwaye ke ngenxa yoko idlula kwilifa labantwana, into exhaphake kakhulu kubatyali mali baseMpuma kwaye ngakumbi amaJapan. Njengento entsha kunye nenqanaba elithile loqobo lotyalo mali kwiimarike zezabelo.

Enye into eyahlukileyo kukuba ufuna ukwenza imisebenzi yorhwebo kuba kule meko le okanye lelinye lamaxabiso afanelekileyo kolu hlobo lweentshukumo ezifuna isantya esikhulu ekuthengeni nasekuthengiseni. Kwaye apho ungaphulukana nemali eninzi ekusebenzeni njengoko ingeyiyo i-asethi yezemali eyilelwe ngokukodwa olu hlobo lokuhamba okukhethekileyo kwiimarike zezemali. Ngelixa umthamo omkhulu kwisivumelwano sayo yenye yezona zinto zixhaphakileyo kule bhanki, uninzi lwezihloko ezininzi zihamba yonke imihla ukuba iimarike zezabelo zivulekile.

Ngayiphi na imeko, ujongene nenye indlela yokungena kwihlabathi elihlala lilukhuni kwimarike yemasheya ngenye yexabiso elithengiweyo ngabatyali mali ngazo zonke iiprofayili ezinokubakho. Kwaye ikwabonelela ngokhuseleko lomgca weshishini obusekwe nzulu iminyaka eliqela. Apho kufuneka ulinde kuphela ukuthenga ngexabiso elinokukhuphisana ngakumbi kunangoku, ukuphela kosuku yenye yeenjongo zakho ezikhawulezayo kulo naliphi na ixesha kunye nesicwangciso sotyalo-mali. Apho iziphumo zikaSantander zenza ukuba ixabiso lesitokhwe lihle

Iziphumo ziyadanisa

Iqela lesizwe lezemali lifumene Inzuzo eyinzuzo ye- € 3.732 yezigidi Ngexesha leenyanga ezilithoba zokuqala zika-2019 emva kokubonelela nge-2.448 yezigidi ze-euro, ikakhulu ngenxa yohlengahlengiso lwenceba e-United Kingdom, ibhengezwe ngo-Septemba 24 (1.491 yezigidi zeerandi), kunye nolungiselelo olongezelelweyo lwe-inshurensi yokhuseleko yentlawulo (PPI) kwi I-UK (€ 103 yezigidi) kunye nezinye iindleko (€ 40 yezigidi).

Oku, ukongeza kwimirhumo ye- € 814 yezigidi ebhengezwe kwisiqingatha sokuqala, ikakhulu kwiindleko zohlengahlengiso eSpain nase-United Kingdom, kukhokelele kwi-35% yonyaka nonyaka kwingeniso enokubakho kwiinyanga ezilithoba zokuqala. Apho inqaku eliqinisekileyo lezi ziphumo zeshishini zivela kwinyani yokuba ukwanda kwabathengi kuvumele ukukhula okuhle kumanani, kunye nonyuso lonyaka nonyaka kwiikhredithi nakwimali yabathengi ye-4% kunye ne-6%, ngokwahlukeneyo, kwii-euro rhoqo ( Oko kukuthi, ngaphandle kwempembelelo yamaxabiso otshintshiselwano).


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