Izinga lokunyuka kwamaxabiso lonyaka kummandla we-euro lehle laya kwi-1% ngoJulayi kulo nyaka kwaye likwelona nqanaba lisezantsi ukusukela ngo-2016, ngokweenkcukacha zamva nje ezipapashwe yi-Eurostat. Apho ukwehla kwamandla emali kungavula indlela yomgaqo-nkqubo omtsha wovuselelo yi-European Central Bank (i-ECB), athe umongameli wayo, u-Mario Draghi, wayesele ebhekise kuyo kwiiveki ezidlulileyo. Le yimeko entsha enokuthi ichaphazele ukuthengisa iimarike ukusukela ngoku.
Kwiiveki ezimbalwa apho ii-indices zezabelo zamazwe ngamazwe ziye zehle njengesiphumo esingaphezulu kunokwenyani sokubakho kwimeko yokudodobala kuqoqosho lwehlabathi. Ukwenza isaphulelo kumaxabiso kumaxabiso ezinto ezidwelisiweyo kwaye kwezinye iimeko ngelahleko ezingaphantsi kwe-5%. Ngexesha apho abatyali zimali abancinci nabaphakathi begqibe ekubeni bazishiye ezi asethi zemali ukuze zikhuseleke.
Kule meko ngokubanzi, ireyithi yokunyuka kwamaxabiso ngonyaka inokunika umkhondo wokuba umgaqo-nkqubo wezemali ungahambela phi kwiinyanga ezizayo. Zombini kwicala elinye nelinye leAtlantic kwaye apho abatyali mali kufuneka bazi kakuhle ngayo yonke into eyenzekayo kwimibutho yokwenza izigqibo. Ukuphuhlisa uhlobo oluthile lwesicwangciso sotyalo-mali apho banokwenza ukonga kwabo kunenzuzo ngeziqinisekiso ezinkulu zempumelelo. Oko kukuthi, emva kwayo yonke loo nto, yenye yezinto eziphambili ngokubaluleka kweli nqanaba lonyaka.
Ixabiso lentengo kwiipenshoni
Enye yezona zinto zibalulekileyo ekubonakaliseni ukuba izinga lokuhla kwamandla emali langaphakathi kukucaciswa kwesixa semali yomhlala-phantsi. Ngeli xesha, kucetyiswa ukuba ukunyuka kwezi mbono zentlalo kunokuveliswa phantsi kokuphinda kabini okunye. Kwelinye icala, ngokunyuka kwepenshoni ngonyaka nge-0,25%, ngelixa kwelinye icala, ukunyuka kwe-0,5% kunye nokunyuka kwexabiso lentengo kukwaqwalaselwa kwezona meko zintle. Ngayiphi na imeko, le parameter iya kubaluleka ngokukodwa kwizigidi zabantu abadla umhlala-phantsi eSpain. Apho izinga lokunyuka kwamaxabiso elingaphakathi linokudlala indima efanelekileyo kukonyuka kwalo.
Akunakulityalwa ukuba abathathe umhlala-phantsi babone umvuzo wabo wenyanga unyuka kule minyaka idlulileyo. Kodwa ekubuyeni kwabo babonile indlela amandla okuthenga anciphile ngayo ngenxa yokunyuka kweendleko zobomi eziye zabonakaliswa kukuvela kwedatha kwizinga lokunyuka kwamaxabiso eliphakathi. Ngesiqulatho esincinci ukusukela ekuqaleni konyaka kwaye oko kunokuba nefuthe ekumiselweni kwepenshoni enegalelo ukusukela ngoku. Ngengqiqo enye okanye enye kwaye oko akuyi kwaziwa ngobunzulu de kube sekupheleni konyaka.
Ukwenziwa kwemivuzo
Enye inkalo apho izinga lokuhla kwamandla emali elingaphakathi libonakaliswa kukumisela umvuzo wabasebenzi. Nokuba uphononongo oludibeneyo, ukunceda abangasebenziyo, njl. kwaye oko kungabonelela ngohlaziyo oluncinci xa kuthelekiswa neminyaka edlulileyo. Ngale ndlela, akukho mathandabuzo ukuba ayibalulekanga kangako, kodwa ibaluleke ngokulinganayo kubo bonke abameli bezentlalo kwilizwe lethu. Kuba, enyanisweni, kunokwenzeka ukuba umgangatho wokuphila ubize kakhulu kwaye awukubhatali ukunyuka kwemivuzo yabasebenzi. Ngaphandle kolunye uthotho lwezinto ezithile eziqwalaselweyo.
Ngelixa kwelinye icala, asinakulibala ngeli xesha ukuba izinga lokunyuka kwamaxabiso kunyaka nonyaka lilahlekisa icandelo elihle labatyali mali abancinci nabaphakathi. Ayothusi into yokuba imeko enokuthi ithathe ukusukela ngoku ayicacanga. Kwaye ke oku kugqithiselwe kwizigqibo zabo malunga noko mabakwenze kwi-equity okanye nakwiimarike zengeniso esisigxina. Akucaci ncam ngelixesha ukuba bazibeke phi, kudala amathandabuzo malunga nento ekufuneka beyenzile ukuphucula ibhalansi yeeakhawunti zabo zokonga.
Luchaphazela njani utyalo-mali?
Enye indlela enokunikwa kwinqanaba lokunyuka kwamaxabiso unyaka nonyaka lihambelana nezenzo zabatyali mali abancinci nabaphakathi. Kungenxa yokuba inye into ecace gca kwaye yile yokuba ukuba abathengi banamandla okuthenga angaphantsi, baya kuba nemali encinci yokwenza imisebenzi yabo kwiimarike ze-equity. Oko kukuthi, kuya kubakho ukungabikho kwemali encinci kwaye ke intshukumo kwimarike yemasheya iyakuphumla kwezi ntsuku. Ngale ndlela, kuyinyani ukuba le nto inokwenzakalisa iimarike zentengiso, ubuncinci kwilizwe lethu.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba izinga lokuhla kwamandla emali elingaphakathi linokubaluleka kakhulu ekwenzeni umgaqo-nkqubo wezoqoqosho welizwe okanye wejografi. Ngesi sizathu, kucetyiswa kakhulu ukuba abatyali zimali abancinci nabaphakathi bayazi idatha yale parameter yezoqoqosho ukuze bakwazi ukwenza izigqibo zabo kwiimarike zezabelo. Nangona kungagqitywanga ngokupheleleyo, ukuba ubuncinci ukuyixabisa ngexesha lokwenza iphothifoliyo elandelayo yotyalo-mali. Nokuba ujonga ukuba kungcono ukuvula izikhundla kwizabelo okanye ngokuchaseneyo ngokusisigxina okanye kwezinye iindawo.
Amacandelo apho aza kuma khona
Ekuqaleni, izinga lokunyuka kwamaxabiso kunyaka nonyaka akufuneki lichaphazele ukuba ngawaphi amacandelo emarike yemasheya eya ngqo kulondolozo lwethu. Ayisiyiyo into eqinisekileyo yohlalutyo, ubuncinci ekusebenzeni kwasekhaya kwimarike yemasheya. Ukuba akunjalo, ngokuchaseneyo, basebenzela ukulawula ezinye iindlela zamanyathelo ezoqoqosho. Kwaye kulapho ke kuya kufuneka siguqule izicwangciso zethu zibe kutyalo-mali ukusukela ngoku. Ngobunyani bokwenyani bokuba kufuneka silutshintshe utyalomali lwethu sikhangela ukhuseleko olukhulu kwiiasethi zemali. Akumangalisi ukuba ubudlelwane kunye nehlabathi elinzima lemali bezisoloko zitshintsha kakhulu.
Ngelixa kwelinye, ikwalixesha lokugxininisa ukuba izinga lokunyuka kwamaxabiso elingaphakathi linokubonisa umzuzu wokudibana kuqoqosho lwelizwe. Kodwa yile nto kwaye zizinye izinto ezibonakalayo kwimveliso yeenkampani ezidweliswe kwiimarike ze-equity. Lo ngumbandela ongenakuze ukhethe ngaphandle kokuwenza ukuze ungenzi iimpazamo kwimisebenzi yakho kwintengiso yesitokhwe.
Ixabiso lentengo njengenxalenye yohlalutyo
Ngale ndlela, kufanele ukuba isetyenziswe njengenxalenye yohlalutyo, kodwa hayi ngaphezulu. Izigqibo zakho zotyalo-mali kufuneka zisekwe kwiiparitha ngaphandle kwaleli nqanaba lokunyuka kwamaxabiso lonyaka nonyaka. Njengabahlalutyi bezemali abaninzi bonisa. Ukuze ngale ndlela, ubekwimo efanelekileyo yokwenza ukuba imali okanye iiasethi zakho zibenenzuzo. Ngeli xesha sisiya kwikota yokugqibela yonyaka, amathandabuzo ahlasela abatyali-mali maninzi kwaye ahlukile ngokwendalo kwaye enye yazo inokuba yidatha yokunyuka kwamaxabiso ngonyaka, nangona ikwinqanaba elincinci kunezinye iimeko zoqoqosho.
Apho eyona nto ibaluleke kakhulu kukwazi ukuba ungawakhetha ngokuchanekileyo njani amaxabiso esitokhwe ngaphezulu kwezinye iintlobo zokuqwalaselwa kweqhinga. Ekugqibeleni iya kugqiba impumelelo okanye hayi yokusebenza kweemarike zezabelo. Kwaye ke kufanele ukuba ibe yinjongo yakho elandelayo.
Ukuvela rhoqo kwamaxabiso abathengi
Ireyithi yonyaka ye-Index yamaXabiso abaThengi ngokubanzi (CPI) ngoJulayi yi-0,5%, isinye kwishumi liphezulu kunaleyo ibibhalisiwe kwinyanga ephelileyo. Amaqela anefuthe elikhulu ekunyuseni izinga lonyaka ngala: ukutya kunye neziselo ezingezizo iziselo ezinxilisayo, zona irejista iyantlukwano ye-0,9%, ishumi lesine ngaphezulu kwenyanga ephelileyo, njengesiphumo sokuvela kwamaxabiso eziqhamo, athe awehla kakhulu kulenyanga kunokuba enzile ngoJulayi ka-2018. Ezothutho, ezonyuse izinga lazo lonyaka ezintlanu kwishumi, ukuya ku-0,5, XNUMX%, ngenxa inyani yokuba amaxabiso ezinto zokubasa kunye nezinto zokuthambisa anyukile kule nyanga, ngelixa behle kunyaka ophelileyo.
Kwelinye icala, phakathi kwamaqela anefuthe elibi, izindlu zimi ngokwahlukileyo, ngo -1,7%, isibini kwishumi ngaphantsi kukaJuni. Oku kuziphatha kubangelwa kukuzinza kwamaxabiso egesi abhalisiweyo kule nyanga, xa kuthelekiswa nokunyuka konyaka ophelileyo. Kufuneka kuqatshelwe, nangona kwelinye icala, ukuba amaxabiso ombane enyuke kule nyanga ngaphezulu kweyeKhala ka-2018. Kwelinye icala, iihotele, iikofu kunye neeresityu, ezinqanaba lazo lehla ezibini kwishumi kwaye zema kwi-2,0%, ikakhulu njengesiphumo inyani yokuba amaxabiso eenkonzo zokuhlala anyuke kancinci kule nyanga kunango-2018.
Ngokubhekisele kwi-Index yamaxabiso abaThengiweyo yabathengi (i-HICP), kufuneka iboniswe kwidatha yakutshanje evela kwi-INE yokuba ngoJulayi umyinge wonyaka we-HICP ume kwi-0,6%, ngokufanayo naleyo ibhalisiwe kwinyanga ephelileyo. Apho okokugqibela, umahluko wenyanga we-HICP yi -1,1%, njengeyona nto ibalulekileyo.