Izitshixo ezi-6 eziya kuxhomekeka kwimarike yempahla ekupheleni konyaka

Ngexesha leentsuku, isalathiso esikhethiweyo kwimarike yestokhwe saseSpain sehle ngexabiso elithile, ngelishwa kubatyali mali abaninzi nabaninzi abafake imali abayigcinileyo. Ukujonga kwiinyanga ezintathu zokugqibela zonyaka, imbonakalo ngokuqinisekileyo ayinathemba. Apho enye yeenjongo zayo eziphambili iya kuba kukunyamezela inqanaba elibalulekileyo le- Amanqaku e-9.000. Kungenxa yokuba ukuba oku akuphumelelanga, i-downtrend iqinisekisiwe kunyaka ozayo. Ukuza kuthi ga kwinqanaba lale kota yokugqibela yonyaka kuya kuba kubaluleke ngakumbi kunakwiminyaka edlulileyo.

Ukongeza, uvakalelo lwe abatyalo-mali lelinye lawona manqanaba asezantsi kule minyaka idlulileyo kwaye umbono wakhe kukuba iimarike zezabelo ziya kuqhubeka ukuhla kude kube sekupheleni konyaka. Ayothusi into yokuba ezi zikhundla zimfutshane zibekwa ngokucacileyo kubathengi kunye nomthamo osezantsi wezivumelwano. Kungenxa yokuba iindaba eziveliswayo kwiimarike zemali azikuthandi iiarhente ezahlukeneyo zezemali.

Ukukunceda ukuhambisa utyalo-mali lwakho kwezi nyanga zibonakala zinzima kakhulu kuthi ukuba sisebenze kwimarike yemasheya, akukho nto ilunge ngakumbi kunokubonisa ukuba buthini na ubuthathaka bakho. Kodwa ngaphezulu kwako konke ukudwelisa ukuba yeyiphi inyani eya kuthi ibaluleke kakhulu kwindaleko yeemarike zezabelo. Kuxhomekeka kubo, awuzukukhetha ngaphandle kokusebenzisa isicwangciso esinye okanye esinye sokwenza imali yakho ibe nengeniso ukusukela ngoku. Abaveli nje kuphela kumgangatho wezoqoqosho, kodwa nakwi-a umbono wezopolitiko kwanentlalo.

Ukuphela konyaka: ukwanda kwenzala

Ewe kunjalo, ukonyuka kwexabiso lenzala kwindawo ye-euro akuthandi ukuzinza kwamashishini eSpain. Esi sesinye sezizathu eziphambili zokuba yehle kwiinyanga ezidlulileyo kwaye ngakumbi ukusukela ngeli hlobo liphelileyo. Ambalwa kakhulu amaxabiso esitokhwe ahlala ethembekile ngeli xesha kwaye nakweyiphi na imeko ngezindululo ezingaveli kwi-Ibex 35, kodwa ezivela kwizalathiso zesekondari. Ngokusebenzisa iinkampani ezenzelwe imisebenzi yazo utyalo-mali olucingelwayo ngaphezulu kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi nakwimbono esisiseko.

Abanye abahlalutyi bezemali bakholelwa ukuba kwimeko yokunyuka kwamaxabiso ngokubanzi, isalathiso esikhethiweyo sinokuba njalo ngaphantsi kwamanqaku ayi-8.500. Imeko enokukhokelela ekuphulukaneni nemali eninzi ukuba ubukuthenga izikhundla. Ngayiphi na imeko, inye into eqinisekileyo kwaye leyo kukuba kwezi nyanga zihleliyo ukuphela kwalo nyaka uya kuba nethuba lokuthenga ngamaxabiso aphantsi. Kwaye enye yezi zinto ivela ekurhoxisweni kwesikhuthazo ngabasemagunyeni bezemali kwilizwekazi elidala.

Ukukhula kancinci

Enye yedatha ayinika abatyali mali kukucutha koqikelelo lokukhula koqoqosho. Hayi kuphela kwinqanaba lesizwe kodwa nangaphandle kwemida yethu. Ngaphandle kwendlela EUnited States kwaye imarike yakhe yemasheya iyaqhubeka ngokwenyuka, kwiirekhodi eziphezulu. Mhlawumbi isisombululo sokulungisa le ngxaki kutyalo-mali silele ekutshintsheni imakethi yezemali kwaye ngokuthe ngqo siye kwelinye icala leAtlantic. Iya kuba yindlela entsha yokukhusela imali yakho kwiinyanga ezidlulileyo zonyaka.

Kwelinye icala, kukwakho umngcipheko omkhulu wokuba kungavela ingxaki yezoqoqosho, nangona kungekho nkcazo yokuqina kwayo. Into ethi ngandlela thile isaphulelo kwixabiso lesitokhwe. Kuba njengoko usazi kakuhle, iimarike zezemali zilindele ubunyani bezoqoqosho belizwe okanye indawo. Kwaye ngale ndlela, uqikelelo luqine kakhulu engalunganga. Emva kokuba i-Ibex 35 inde ngokunyuka okuqhubekayo. Le yenye into enokubangela ubunzima kwimarike yaseSpain kule minyaka mithathu idlulileyo. Ubuncinci kuya kufuneka uyicinge le meko ingekhoyo apho abatyali mali abanamava ngakumbi kwiimarike zezemali abadlala kuzo.

Ukuzinza kwezopolitiko

Imeko yezopolitiko kwamanye amazwe e European Union Ikwayinto enobungozi ukuze iimarike zentengiso zinganyuki kwintsalela yonyaka. Akumangalisi ukuba kungagwetywa ngaphandle kokuba imeko enzima inokuvela ngaphakathi kwendawo ye-euro kwaye inokuba yingozi kakhulu kwimali yentengiso yesitokhwe. Yinto ekwayathengisa ngayo kwezi ntsuku kwaye impembelelo ye-Itali ibaluleke kakhulu kwizabelo kwilizwe lethu. Ukujula nzulu kwilahleko kwaye yenye yeetokhwe zotshintshiselwano zelizwekazi lakudala ezichaphazeleka kakhulu yile meko.

Kwelinye icala, awungekhe ulibale ukuba uza kuphila iinkqubo zonyulo ibaluleke kakhulu kwaye inokumisela ukuvela kweemarike zezabelo zamashishini aseYurophu. Ngaphezulu kokunye ukuthathelwa ingqalelo, kubandakanya neziphumo zeshishini zeenkampani ezidweliswe kwimarike eqhubekayo. Ngokuphathelene noku, kubaluleke kakhulu ukuba wazi ukuba unyulo luya kubanjwa kwiinyanga ezizayo eziza kuba ziluncedo kakhulu kwikamva lamaziko oluntu. Kwaye ngaphandle kwamathandabuzo inokuba sisizathu sokuqhubeka kokuwa kwiimarike ze-equity.

Ukulungiswa kakhulu

Ewe kunjalo, akubalulekanga kangako ukuba iimarike zentengiso ziye zaba nokugqithileyo kunyuko lweminyaka edlulileyo. Apho kungekho khetho ngaphandle ukulungisa uxinzelelo lokuthengisa ukulungelelanisa umthetho wonikezelo kunye nebango kwezi asethi zemali. Akumangalisi ukuba ezinye iimarike zentengiso ziye zaxabisa ngaphezulu kwe-50% kwaye ezi zinto zigqithileyo kufuneka zilungisiwe kuzo zonke iimeko zoqoqosho nezemali. Kungenxa yokuba kukho intetho kwimarike yemasheya ethi "akukho nto inyukayo naphakade" njengoko kubonisiwe kwimithambo yangaphambili.

Umbuzo omkhulu ngowokuba ezi zilungiso zibonakalayo ziya kude kangakanani kwiimarike ze-equity. Kungenxa yokuba akukho mathandabuzo ukuba indawo elungileyo yemirhumo yemali eyenziwe zizo zonke iintlobo zabatyali-mali isengozini. Ukuya kwinqanaba lokuba ngoku ubona ukuphambuka kwemali ngokubhekisele kwezinye iiasethi eziyimali. Ayisiyiyo kuphela ingeniso esisigxina kodwa ikwavela kolunye utyalomali. Into engakhange ibonwe kangangeminyaka emininzi. Njengophawu lokuba into ingenzeka ngawona mzuzu ungalindelekanga, nanjengoko kwenzeke ngeengxaki zoqoqosho zika-2007 nango-2008. Esisilumkiso koomatiloshe ukuba baphathe ngcono imali yabo ukusukela ngoku.

Ukugqithisa kumatyala ehlabathi

Enye into echaza ukusebenza kakubi kwemarike yemasheya kwezi nyanga zimbalwa zishiyekileyo kunyaka imelwe yinto yokuba ityala elikhulu abaliqokelelayoAyisiyiyo kuphela inkampani ethengisa esidlangalaleni, kodwa ngakumbi ithi. Umzekelo olungileyo wale meko ixhalabisayo umelwe yiSpain. Ngamanqanaba etyala asondele kakhulu kwi-100% kwaye kwezi kunzima kakhulu ukuba imarike yemasheya inokunyuka okanye ubuncinci izinze kumanqanaba amaxabiso ayo.

Kwelinye icala, ayinakulityalwa ngalo mzuzu ukuba uqoqosho lwaseSpain luphezulu ityala kumakhaya aseSpain. Ukuza kuthi ga kwinqanaba lokuba ikhredithi ithathe kwezinye zezona zinto ziqhelekileyo zokusebenza, ezinje ngokuthengwa kwabathengi, iimfuno zosapho okanye iingxaki zokwenza umvuzo. Oko kukuthi, yonke inkqubo entsonkothileyo engayi kunika amaphiko kwii-equities ukuphucula amaxabiso eenyanga ezidlulileyo kwaye anokuchaza imeko eyibonisayo ngalo mzuzu, kwinkxalabo yabasebenzisi abaninzi kwiimveliso zezemali okanye zotyalo-mali.

Ubunzima bezoqoqosho obunokwenzeka

Njengoko imeko yokugqibela ekufuneka igcinwe engqondweni kwiinyanga ezidlulileyo zonyaka kukuba ayikhuphi nto qoqosho. Oku kubhengezwa zezinye zezoqoqosho ezichaphazelekayo, kungekuphela kuzwelonke kodwa nakwamanye amazwe. Apho kuninzi kakhulu ongaphulukana nako kwimarike yemasheya kunokuphumelela. Ayilolize injongo yakho enkulu yokutyala imali ukusukela ngoku ukuya phambili iya kuba kukugcina imali oyongayo ngaphezu kwezinye izinto oziqwalaselayo. Umzekelo, inzuzo onokuthi uyifumane kwiimveliso zezemali kwaye ngakumbi kwiziphumo zentengiso yesitokhwe.

Ngayiphi na imeko, yimeko ngokuqinisekileyo ebonakala ngaphakathi kwaye engathandabuzekiyo inokuchaphazela iimarike zezabelo. Ngesi sizathu sodwa kuya kufuneka ulumke ngakumbi kunangaphambili kwaye ukhethe iimveliso ezivelisa imbuyekezo engaguquguqukiyo kwaye eqinisekisiweyo minyaka le kwaye nokuba incinci kangakanani le ntsebenzo. Ayothusi into yokuba uzibeka emngciphekweni ogqithileyo kuzo zonke iindlela zotyalo-mali. Ngale ndlela, akufuneki ulinge ithamsanqa lakho kuba iziphumo zalo zinokutshabalalisa ngeendlela zonke. Njengoko ezinye zearhente ezifanelekileyo zoqoqosho zilumkisa kwezi ntsuku. Ngoku kuyakufuneka ukuba kuqinisekiswe ukuba ziya kuzalisekiswa na.