Ngaba ukwehla kwenqanaba lenzala kuyakukuchaphazela njani?

I-European Central Bank yehlisa inzala

Kwakhona, u-Mario Draghi, umongameli we-European Central Bank (i-ECB), uye wamangaliswa kwakhona kwiimarike zezemali, kwaye kutheni kungenjalo, ngabemi ngokwabo, kwaye wayalela ukuhla okutsha, kwaye kwesi sihlandlo sembali, kumazinga enzala. umdla kummandla we-euro. Ngenxa yeli nqanaba, Ixabiso lemali alisasebenzi nganto, kuba likwi-0%, into engacingekiyo kwiiveki ezimbalwa ezidlulileyo ngenxalenye elungileyo yabahlalutyi bezoqoqosho.

Umbuzo omnye osemoyeni kungenxa yokuba le mali engazange ibonwe ngaphambili kwimbali ye-European Union ingenisiwe. Ukusuka kwibhanki ekhupha iYurophu bayichaza loo nto Kubalulekile ukuba ukuhamba kweekhredithi kufikelele kwisongezo sabo sokugqibela, ezingezizo ezinye ngaphandle kwabasebenzisi. Kodwa kweminye imithombo engekho mthethweni bayakutolika ukuphunyezwa kwale milinganiselo njengodonga lokugcina imeko yokudodobala kwehlabathi okunokwakha ngalo mzuzu. Kwaye abakhange balibazise ukuvelisa ezona zixhobo zibalaseleyo ngohlobo lwemijukujelwa yemali.

Ukusukela namhlanje ixabiso lemali kwi-European Union likwi-0%, ngaphandle kwexabiso lale nzala isetyenzisiweyo. Iindaba ezimangalisayo, eziye zabuliswa ziimarike zezabelo, nangona kungekho ngaphandle kwamathandabuzo ngokusebenza kwazo, njengoko kubonisiwe kwiiseshoni zorhwebo emva kwesi sigqibo. Ngayiphi na imeko, ukusukela ngoku, iiarhente zoqoqosho kunye nabemi baseYurophu ngokwabo Kuya kufuneka baqale ukufunda ukuhlala kule ndawo intsha oku kuvela kwilizwekazi elidala. Akukho ziganeko zembali zinokuchaza ukuphunyezwa kwayo.

Amaxabiso omdla: iziphumo

inzala: imali engabizi

Nangona impendulo yokuqala ivele kwiimarike zesitokhwe, kulungile ukuba kuyaziwa ukuba iyakufikelela njani ekugqibeleni kubemi baseYurophu, ngakumbi iSpanish. Ewe kuyakuba neziphumo ezininzi kubo, kwaye nangaphezulu kunokuba bebekulindele ekuqaleni. Ayisiyiyo kuphela njengabatyali mali kwiimarike zezemali, kodwa njengabasebenzisi beemveliso eziphambili zebhanki. Ngamanye amaxesha, baya kuxhamla, kodwa kwabanye hayi kangako, nkqu nemidla yabo iya kushenxiswa kunye nokusetyenziswa kwale mali kunye neziphumo ezinzulu kuqoqosho lwamanye amazwe.

Kwaye loo nto iya ikakhulu inento yokwenza nayo ubudlelwane onabo neebhanki ukusukela ngoku. Uya kuqaphela ezinye iinguqu ekuya kucetyiswa ukuba uzazi nzulu, okanye ubuncinci ukuba zichaphazela njani imisebenzi yebhanki oyenza rhoqo. Kweminye, uya kuphumelela kwaye kuya kukunceda ukugcina imali kwiintshukumo zakho. Kodwa kwabanye, umgca ongezantsi awuzonelisi, njengoko ubona.

Phantse yonke imisebenzi yeebhanki iya kuchaphazeleka lokwehla kwamazinga enzala kwixabiso lemali, phantse ngaphandle kokukhetha. Ukusuka kwisicelo semali mboleko yobuqu ukuya kulungelelwaniso lwerhafu yekota. Ngaphandle kokulibala, ewe, ukuba iimarike zamashishini ezingenanzala emisiweyo ziya kuthathelwa ingqalelo ngakumbi kwixabiso elingenamsebenzi lemali, kunye nokuhlaziywa kwayo okulandelayo kwizitokhwe, kwizalathiso nakumacandelo emarike yemasheya, ngakumbi eyaseYurophu. Ngaphandle kokwazi ukuba ezi ntshukumo zonyuselo ziya kuhlala ixesha elingakanani.

Imbuyiselo esezantsi kulondolozo

Iziphumo ezithe ngqo zokuthotywa phantse kwexabiso lemali njengesiphumo sokwehla kwenqanaba lenzala kuya kuba ukuncipha kwengeniso yeemveliso eziphambili zokonga (iidipozithi, amanqaku ezithembiso ebhanki, kunye nokujonga iiakhawunti). Kuba, iibhanki zinokuligqithisela kubathengi kwangoko eli nyathelo. Ngokuhla kwenqanaba lenzala elisebenza kwiimveliso zabo.

Enye yeziphumo zeli nyathelo linamandla kukuba Umsebenzi oza kwenziwa zezi modeli zokonga awuyi kubakho kwaphela. Sele bephantsi kwemida engakhuphisaniyo kubathengi. Apho kunqabile ukuba bagqithe kumyinge we-0,50%. Ewe, ukusukela ngoku ukuya phambili, kunokuba sezantsi kwaye kuncitshiswe ngeshumi leerandi zorhwebo ngaphambi kokubhengezwa kwentloko yomgaqo-nkqubo wezemali we-European Union.

Esi siganeko sinokubangela ukuba iintsapho ezininzi, ngenxa yokunqongophala kwenzuzo yolondolozo lwazo, zibuyele kolunye uyilo olunokuvelisa ukwanda kwimbuyekezo yemali. Kwaye kule ngqiqo banomdla kwiimarike zezabelo, ngandlela thile nakwenye ingxowa mali yotyalo mali. Nokuba ngexabiso lokucinga iingozi eziphezulu, kuba ezi mveliso aziqinisekisi ngenzuzo kuyo nayiphi na imeko.

Amaxabiso aphantsi etyala

inzala ephantsi iya kunceda imali mboleko

Ayizizo zonke izinto ezingayi kulunga kwimidla yabathengi bebhanki, ukuba kunjalo. Ixabiso lemali elixabisa i-zero liya kuthi ngokuqinisekileyo lifumane inzuzo kuwo onke amajelo enkxaso-mali: imali mboleko, imali mboleko yabathengi, ubuqu okanye ii-microcredits. Akunanto, Uncedo olukhulu lweebhanki kuya kufuneka lufikelele kwimali engabizi kakhulu ziya kugqithiselwa kwimisebenzi yabathengi.

Iziphumo zokuqala ezincumisayo ziya kubangela ukuncipha kwenqanaba lenzala elisetyenziswe ziibhanki kwiimveliso zazo zezemali. Imiqathango yokuthenga iikhredithi, ngenxa yoko, iya kukhuphisana ngakumbi, ngenqanaba lenzala elisezantsi eliza kwenza ukuba iintlawulo zenyanga nenyanga kufuneka uhlawule ngexabiso eliphantsi. Umahluko awuzukuba mkhulu, kodwa oko kuyakuthetha i-euro ezimbalwa kusebenziso ngalunye olwenza ngokusesikweni ukusukela ngoku.

Ngayiphi na imeko, Ayizukuthetha ukuphumla kwiimfuno ezibekwe ziibhanki ukufikelela kwiikhredithi. Ziya kuba njengasekuqaleni, apho iziko ngalinye liya kucela iimeko zalo ukuba zisebenze ngokusesikweni: ukuhlawulwa ngokuthe ngqo kwimivuzo, unxibelelwano nezinye iimveliso, izithembiso ezivela kwabanye abantu, okanye zinikezele ngerekhodi emsulwa. Ngale ndlela, ngekhe kubekho naluphi na uhlobo lokwahluka.

Iziphumo kutyalo-mali

Iziphumo zenqanaba eliphantsi lenzala kwiimarike zesitokhwe

Njengoko sele ubonile, ukubonakaliswa kwayo kokuqala kwenzeke kwiimarike ze-equity. Ngokukhawuleza, nditsho nokuxhamla kwabo sele benendawo evulekileyo kwimarike yemasheya. Emva kweseshoni eguquguqukayo ngoLwesine, eya ukusuka kokunye ukuya kokuncinci, ngosuku olulandelayo impendulo yayilungile, ngokuxabisa phantse iipesenti ezi-4 kuzo zonke iimarike zaseYurophu, ngakumbi kwicandelo lebhanki.

Ngawaphi amaxabiso awuthathela ingqalelo lo mthamo wenzala eqhutywa nguMario Draghi? Ewe, akukho mathandabuzo, abo bakwicandelo lebhanki, nangokongezwa kweminye imisebenzi yezemali (iinkampani zeinshurensi, abalamli, njl. Akunanto, zezona zinovakalelo kwesi sicwangciso semali, njengoko kubonisiwe kwiimarike zezemali kwezi ntsuku zidlulileyo, ngokunyuka okungaphezulu komndilili, kwaye kwezinye iimeko ezithile baye baxabisa ukuya kuthi ga kwi-12%.

Ngayiphi na imeko, kwaye ukuba ungumtyali mali omncinci, kuya kufuneka uyazi ukuba onke amacandelo emarike yemasheya ayakwamkela ukunyuka, ngenxa yale meko ivulekileyo kuqoqosho lwaseYurophu. Kwaye onokuxhamla kuyo ukuba sele uthathe izikhundla kwimarike yemasheya. Ubungakanani bolonyuso luseza kucaciswa, kwaye iza kugcinwa ixesha elingakanani. Ayothusi into yokuba imeko yentengiso yesitokhwe ekhoyo ngoku ilawulwa kukungaqiniseki, kwaye ngenxa yoko, kukungazinzi okunamandla kumaxabiso enkampani.

Ukuya kwinqanaba, ukuba ufuna ukukhusela ulondolozo, ungarhuma Iimali zotyalo-mali zamkela ngakumbi ukuphumla kwixabiso lemali, ubuncinci kwindawo yelizwekazi elidala. Ngezenzo ezikhawulezileyo unokufumana inzuzo enkulu kulondolozo lwakho. Nangona yonke into ibonisa ukuba iya kuba phantsi kwemiphumo emiselweyo. Izilungiso ziya kwenzeka ngokuqinisekileyo kwiimarike. Yintoni eza kusebenza, kwimeko yabatyali mali abakhohlakeleyo, ukunyusa izikhundla zabo kwimigangatho yorhwebo.

Ezinye iingcebiso ukuze uzuze

Ukuba ufuna ukuncitshiswa kwexabiso lemali ukuba ungakushiyi ngaphandle komdlalo, awuyi kuba nanto unokuyenza ngaphandle kokuchaphazela uthotho lweendlela ongazilibaliyo kwimeko yezoqoqosho yangoku. Ayisiyiyo kuphela njengomtyali mali, kodwa nanjengomthengi webhanki. Kwaye kuzo zonke iimeko, baya kwezi zenzo zilandelayo.

  • Ukuba ujongene nesidingo sokufuna imali mbolekoNokuba luyintoni na uhlobo, linda nje iiveki ezimbalwa ngakumbi, kuba ngokuqinisekileyo ungawenza ngokusesikweni amaxabiso enzala asezantsi. Ngale ndlela unokugcina iindleko zokuwabela ezinye iimfuno kubomi bakho bemihla ngemihla, nokuba uzinike ikhefu lokuyibhiyozela ngomdla omkhulu.
  • Kuya kucaca ngakumbi ukuba ukufezekisa eyona nto isebenzayo kulondolozo lwakho, akusayi kubakho khetho ngaphandle koko umngcipheko ekukhetheni iimodeli zotyalo-mali. Kwaye apho iidipozithi zekota zidlala indima yesibini ngokuya ngenxa yenzala ephantsi enikezelwa yimbuyekezo yazo yonyaka.
  • Ukungena ematyaleni kuya kusenzeka, ukuba nje umvuzo wakho ukuvumela oko, kuba ixabiso olakuhlawula ngalo izixa ezifunwayo liyehla kakhulu. Nangona kungekho meko kufanelekile ukuba uyihlukumeze le misebenzi, kuba inokukucinezela kule minyaka imbalwa izayo, kwaye nangaphezulu kunokuba ucinga.
  • Ngokuqinisekileyo ukuthotywa kwenqanaba lenzala yenza intshukumo yokunyusa imali kwizabelo, zombini iSpanish neYurophu, kodwa ngokulungiswa ngaloo nto kunganciphisa iinjongo zakho zokwenza iiasethi zakho zinenzuzo.
  • Ngayiphi na imeko, ayizukuba sisicwangciso semali esihlala ixesha elide ebomini, kwaye ukuba wenza isivumelwano semali mboleko yobuqu, okanye nokuba ubambise ngobambiso, ekupheleni kwexesha layo, iimeko zayo zinokwahluka. Kwelinye icala, ukuba wenza ngokusemthethweni naliphi na kula majelo enkxaso-mali exeshana, uya kuzuza ngakumbi kulo msebenzi.
  • Ukugqiba, cinga ukuba ndiyazi ifikelele kwelona xabiso liphezulu kwixabiso lemali, kwaye akusayi kubakho zimbumbulu zokuhlangabezana nayo nayiphi na ingxaki yezoqoqosho enokuthi ivele kuluntu lwethu.

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  1.   iiemigres sitsho

    Abanye bethu ekuye kwafuneka ukuba bafuduke bayayixabisa kakhulu le ngcaciso icacisa indlela izinto ezikhoyo ngayo.

    1.    UJoseph kwakhona sitsho

      Ndiyavuya kuba kunjalo. Enkosi

  2.   UJosechu sitsho

    Kodwa yonke into ichasene nathi, abasebenzisi