Kwakhona, kwaye kwakhona, icandelo lebhanki lijolise emehlweni abatyali mali. Ngeli thuba iindaba zazo zonke zilele kwi-IPO liqela lezemali i-Unicaja. Kodwa iminyhadala ayipheli ngale ntshukumo yebhanki njengoko kulindelwe ngolindelo olukhulu ukuba kungenzeka ntoni kwezinye iibhanki ezincinci eSpain, njengakwimeko ye-Ibercaja. Ukuza kuthi ga ngoku ibe lelinye lawona macandelo asebenzayo kule kota yokuqala yonyaka.
La ukuthengwa kweBanco Idume ngoSandanderUhlaselo olucingelwayo kwiLiberbank kunye nokudibana phakathi kweBankia neBMN ngokuqinisekileyo kulitshisile icandelo liphela. Ngomdla okhulayo phakathi kweenkampani ezincinci neziphakathi zokungena kuzo naziphi na izikhundla zabo ukwenza ulondolozo lube nenzuzo ukusukela ngoku. Alithandabuzeki elokuba kwezinye iimeko amathuba oshishino lokwenyani anokuvulwa kwamanye ala maziko emali. Nangona umngcipheko obandakanyekayo kule misebenzi awunakuthathelwa phantsi nangaliphi na ixesha.
Ewe, intshukumo yamva nje ebhodini lebhanki ivele kwisandla se-Unicaja, esigqibe kwelokuba sithathe inyathelo lokugqibela kwaye sidwelise kwimarike yaseSpain. Ukuya kwinqanaba le yomeleza ukunikezelwa kweli candelo libalulekileyo Amashishini aseSpain. Kodwa ikwabeka uxinzelelo kwizinto eziphakathi ezingafakwanga kuluhlu kwaye ikwabangele uqikelelo malunga nokusebenza okutsha kwiibhanki zikazwelonke. Ngothotho lwezigqibo ezinokuthi zityhilwe kwiintsuku ezizayo, kwaye isikhundla se-Ibercaja simi ngaphandle.
I-Unicaja sele idwelisiwe kwimarike yemasheya
Ukuba ufuna ukutyala imali oyigcinileyo kule bhanki indala yolondolozo, ndiyavuyisana nawe, kuba kwiintsuku ezimbalwa ngoku ungayenza. Kuba, i-Unicaja Banco iye yakhahlela kwimarike yemasheya Ngexabiso lokugqibela le-1,10 euro ngesabelo ngasinye, emele ukuthengiswa kwemali yokuqala kwiziko le-1.703 yezigidi zeerandi, njengoko kuxeliwe ngokuhlwanje kwiKhomishini kaZwelonke yeNtengiso yezoKhuseleko (CNMV). Ngomrhumo wobhaliso lwesahlulo olubiyelwe ngokupheleleyo, zombini ngokubhekisele kwizabelo ezibandakanyiweyo kumrhumo wokuqala kunye nezo zigcinelwe izinto zokubekwa ("isihlangu esiluhlaza").
Olunye uhlobo olutsha olunikezwe leli qela litsha lebhanki ngokunxulumene nesahlulo salo. Kungenxa yokuba njengesiphumo sokubonakala kwayo kwii-equities zesizwe ezijolise kuzo bahambisa lo mvuzo phakathi kwabanini zabelo. Ukuya kwinqanaba lokuba sele kunentetho yemali eyabelwe le nto yemali. Ubuncinci bexesha eliphakathi kunye nelide okoko i-Unicaja Banco izimisele ukuhambisa izabelo ukuya kuthi ga kwiipesenti ezingama-40 zenzuzo kwi-IPO yayo. Ngokwengqikelelo yakhe, ulindele ukufikelela kweli nqanaba kwi-2020, ukusuka kwi-12,6% kulo nyaka. Ukuze ibe yinkuthazo entsha kubanini zabelo bexesha elizayo ngeli xabiso lentengiso yemasheya.
Ngale ndlela, lijoyina iqela leebhanki ezincinci kunye neziphakathi ezikhoyo kwizabelo zamazwe. Kunye neLiberbank, Bankia kwaye ukuya kwinqanaba elincinci iBanco Sabadell. Kuzo zonke, iindaba ezimnandi zeli nyathelo kukuba ukusukela ngoku uzakubanokhetho oluninzi kweli candelo libalulekileyo lokutyala iimpahla zakho zabucala. Kude kube ngoku, akukho arhente yezemali inikezele ngexabiso ekujoliswe kulo kwizabelo zalo ngelo xesha. Kukungabikho kolwazi olunokumisela ukuba yintoni enokubakho yokuphononongwa kwakhona ukusukela ngoku.
Enye yezinto zayo ezintsha ezikhoyo kwincwadana yayo yokukhutshwa xa ucinga nge tshixela (ukuzibophelela ukuhlala kwikomkhulu) ezintsuku eziyi-180. Apho iziko lingenakho ukukhupha izabelo ezitsha. Iya kuba yinto efanelekileyo kakhulu enokuba nesiphumo esithile kwikoteyishini yamaxabiso akho. Into apho abatyali mali abancinci nabaphakathi abanqwenela ukuvula izikhundla ukusukela ngoku kufuneka banike ingqalelo ekhethekileyo.
Ukuhamba okulandelayo kwe-Ibercaja
Kodwa intshukumo kwibhanki yaseSpain ayipheli apha kuba kunokwenzeka ntoni nge-Ibercaja. Hayi ngelize, ngalo mzuzu, kweli ziko lemali bakhetha ukulinda iminyhadala kwaye balawule ukuphuma ngoku kwintengiso ngenxa yelo xesha libi kwicandelo. Nokuba ku kungabikho luhlobo oluthile lokudityaniswa namanye amaziko ngaphandle komthetho. Nangona bevela kulawulo lweqela lezemali bayavuma ukuba abazi kwanto ngalo mbandela, ubuncinci okwangoku. Enye into eyahluke kakhulu yile inokwenzeka emva kokubuya kwale holide.
Ngayiphi na imeko, yimeko engenakukhutshwa ngaphandle, nangaphambi kokuphela kwalo nyaka. Emva kokubonakalayo ukuza kuthi ga ngoku, akukho nto inokukhutshelwa ngaphandle. Kwaye kungaphantsi kwecandelo lokuxhuzula kwicandelo lebhanki laseSpain. Ngayiphi na imeko, akukho ngqiqweni ukucinga ukuba kwiinyanga ezimbalwa ixabiso elitsha lebhanki liya kuba yinxalenye yentengiso eqhubekayo yaseSpain. Nangona kuya kufuneka ukwazi ukuba yeyiphi imeko yokungena kwiimarike zezemali. Ukuze abatyali mali abancinci babe nokwamkela ngakumbi ukuvula izikhundla kwesi sicelo sitsha kunye nokuxelwa kwangaphambili kwezabelo zeSpain.
X-reyi yecandelo lebhanki
Inye kuphela into eqinisekileyo kwaye yile nxalenye yentengiso yesitokhwe yenye yezona zinamandla kwingxowa yasekhaya. Ukuya kuthi ga kwinqanaba lokuba kuthathwe isigqibo malunga nokuvela kwesalathiso sokhetho ukuba sibi okanye silunge. Ngeziganeko ezinkulu ngakumbi kunamanye amacandelo okubaluleka okukhethekileyo. Umzekelo, ulwakhiwo, ukhenketho okanye unxibelelwano olufanayo. Ukongeza, awungekhe ulibale ukuba ubunzima obuthile obusetyenziswe ziibhanki bunamandla ngakumbi kunezinye iimarike zesitokhwe zelizwekazi elidala. Yinto ongasoze uyilibale xa ucwangcisa utyalo-mali lwakho ukusukela ngoku.
Ngayiphi na imeko, iibhanki ezinkulu ayizizo uninzi lonikezelo lwangoku olunikezelwa zii-equities. Ngobukho bodwa bamaqela amakhulu ezemali: I-BBVA kunye neBanco Santander. Ukusuka kwezi zindululo ezithile kukho uthotho lweebhanki eziphakathi nezincinci ezinokwanelisa iimfuno zakho njengomtyali mali omncinci nophakathi. Ukuza kuthi ga kwinqanaba lokuba amaxabiso onokuwabhalisa ayanda ngeli xesha. Ngeendaba zamva nje ukuza kuthi ga ngoku ngokufakwa kwe-Unicaja.
Isahlulelo esinenzuzo ye5%
Enye yeedinomineyitha eziqhelekileyo ezithi ezi xabiso zichazwe kakuhle kukuba bayahlawula abaninizabelo ngesabelo esisigxina kunye nesiqinisekisiweyo minyaka le. Yenza imbuyekezo yonyaka phakathi kwe-3% kunye ne-8%, Kuxhomekeke kukhetho olwenzayo kwiipaki zesizwe. Ke ngale ndlela, unenye inkuthazo yokukhetha eli candelo lemarike yemasheya yaseSpain. Esi sesinye sezizathu zokuba zenzelwe ukuba zichazwe kakuhle kwiprofayili yomtyali mali. Abantu abakhuselayo abafuna ukugcina ukhuseleko lokonga kwabo kwintsebenzo abanokuyenza.
Ukusuka kule meko ngokubanzi, awungekhe uphulukane nalo naliphi na lamaxabiso kwiphothifoliyo yakho yotyalo mali. Nokuba iyadityaniswa namanye amaxabiso avela kumacandelo ahlukeneyo. Kwinto ebonisa ngokucacileyo Isicwangciso esiliqhinga Ezona njongo ziphambili kukukhusela iminikelo yakho yezemali ngaphezulu kwezinye izinto. Ayothusi into yokuba unokuba namaqhinga amaninzi okwenza ukonga kunenzuzo ngala maxabiso akhethekileyo esithetha ngawo ngoku.
Ezinye izimvo zokutyala imali oyigcinileyo
Ayisoze ikwenzakalise wena ngokwenza uthotho lwezenzo kwicandelo lebhanki kwaye ezinokuphucula isikhundla sakho kwiimarike zezemali. Ukongeza, ukuba zizicwangciso ezinokuthenjwa kakhulu ukuze ukhuseleko lwabo lonelise ngakumbi kunangoku. Kuya kufuneka basekwe kwezi ngcebiso zilandelayo sikubhengeza apha ngezantsi.
- Ku malunga Icandelo elisebenza kakhulu Kwaye ukuba uhlawula ingqalelo ekhethekileyo kuyo, unokuzinika ngaphezulu kwesimanga esifanelekileyo ukusukela ngoku. Nangona kukho umngcipheko osengqiqweni wolu hlobo lomsebenzi.
- Ngalo lonke ixesha onalo ezinye izindululo onokukhetha kuzo, kwaye apho umgangatho wexabiso kufuneka ubekhona ngaphezulu kwezinye izinto ezivela kwindawo yokujonga uhlalutyo lobuchwephesha.
- Elinye lawona manyathelo akhuselekileyo kukulinda i amaxabiso ebhanki amatsha hlala kwizicatshulwa zabo. Ukuze ngale ndlela, ubonise ukuba leliphi na iqhinga ekufuneka ulisebenzisile ukuthatha izikhundla.
- Olunye uncedo lweli klasi lokhuseleko kwimarike yaseSpain kukuba banesabelo esisigxina minyaka le. Ungafezekisa inzuzo ukuya kuthi ga kwi-8%.
- Ungakhetha amaxabiso kwicandelo elinye, ukusuka kumaqela amakhulu ezemali ukuya kwiibhanki ezincinci neziphakathi. Njalo kuxhomekeke kwiprofayili oyivezayo njengomtyalomali wevenkile.
- Elinye lawona mahlelo aphambili kweli candelo leshishini kukuba ngaphezulu kokuphakamileyo ukuhlawula amatyala kwizikhundla zakho. Njengokuba ungaphuma kubo ngokulula kwaye ungarhintyelwa.
- Isishwankathelo, awungekhe ulibale ukuba yenye yeefayile ze- amacandelo owathandayo yenxalenye elungileyo yabatyali mali abancinci nabaphakathi baseSpain. Baninzi abazakubheja kokungaqhelekanga kwezi zikhundla.