Le yinkqubo enokukhokelela kwiingxaki ezingaphezu kwesinye kwinxalenye yabatyali mali kuba ukubhengezwa kwenkampani edwelisiweyo yenye yezona zinto zibalulekileyo ezinokwenzeka kwimarike yemasheya. Ewe, nokuba izabelo azidweliswanga kwiimarike zemali, abatyali mali baya kuqhubeka nokufumana i- umrhumo wonyaka ovela ebhankini yakho ngekhomishini yokugcina. Kuyo nayiphi na imeko, esi sigaba senkqubo siquka ukunqunyanyiswa kokurhweba, okunokuba okwethutyana okanye okuqinisekileyo, kwaye kwimeko leyo imali yotyalo-mali luphela iyakulahleka.
Enye yeenzuzo zeemveliso zengeniso esisigxina, ayizizo zonke, kukuba utyalo-mali lugqunywe yiNgxowa-mali yesiQinisekiso seDiphozithi (FGD) kwimeko yokungabinamali okanye ukunyamalala kweziko eligcina imali. Ngomda ophezulu ukuya kuthi ga kwi-100.000 euros ngomnini ngamnye. Eli nyathelo lokhuselo, kwelinye icala, alikho ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya. Kodwa ngokuchaseneyo, abatyali mali bazakuphulukana nayo yonke imali abayityalileyo kwiinkampani ezidwelisiweyo ezichaphazelekayo ngulo msitho ubalaseleyo. Nangona ihlala ivelisa uthotho lweengxaki kulawulo lwayo nangona ingekho kuluhlu lweemarike zesitokhwe kwaye iya kuba yintloko kubathengisi.
Nangona ikhethekile, ezinye izabelo zaseSpain ziye zadlula kule ngxaki yentengiso yesitokhwe kwaye zikhokelele abatyali zimali abancinci nabaphakathi ukuba baphulukane nokonga kwabo kwiiyure ezimbalwa. UMartinsa kunye noReyal Urbis Banenkwenkwezi kwezinye zezona zinto zibalulekileyo zokungabinamali kwiminyaka yakutshanje. Ngelixa iRenta Corporación yamiswa kuluhlu ngokufuna ukumiswa kwentlawulo. Njengezinye iinkampani ezidwelisiweyo kwimarike yaseSpain eqhubekayo, enje ngeLa Seda de Barcelona okanye iSniace. Ngenxa yezi meko, amawaka wabanini zabelo abancinci abanjisiwe kwizikhundla zabo. Kwezinye iimeko, ungaze ubuyele kwiimarike zesitokhwe, kwaye kwezinye zidweliswe kwiminyaka kamva, nangona ngamaxabiso angaphantsi kwamanqanaba ngaphambi koluhlu lwentengiso yazo.
Ukuhlawulwa: ukunqunyanyiswa kuluhlu
Yinkqubo, apho zingadweliswanga kwakhona kwiimarike, ayinakuguqulwa. Ngamanye amagama, umnini zabelo uphulukana nayo yonke imali yakhe etyalwe imali kuba akusekho mpahla yexabiso idwelisiweyo. Izabelo azifakwanga kwaye ngenxa yoko zilahlekelwe lixabiso lazo lonke. Ngaphakathi kwimeko apho iKhomishini kaZwelonke yeNtengiso yeZokhuseleko (CNMV) yenza isigqibo sokurhoxisa ukhuseleko "Ngenxa yokuvela kweemeko ezinokuthi ziphazamise ukukhula kwesiqhelo kokusebenza". Nangona kunjalo, xa eli nyathelo liqumrhu elilawulayo lisenzeka, ixabiso lezabelo lehle kakhulu de lafikelela kumanqanaba asezantsi kwikoteyishini. Apho, abanye abatyali mali bavala izikhundla zabo ngelahleko eziqinileyo ngenxa yokoyika ububi obukhulu.
Kule meko, iimeko ezimbini zinokwenzeka. Kwelinye icala, oko emva kweentsuku ezimbalwa izabelo ziphinde zacatshulwa kwiimarike zezemali, nangona ngezaphulelo ezinamandla kumaxabiso abo. Okanye nokuba batywiliselwe kwiinkqubo zokungabinamali ezikhokelela kwiinyanga ezininzi okanye iminyaka yokumiswa. Kwaye kwelinye icala, eyona meko imbi kakhulu, yokuba abanakuze baphinde batshintshe ixabiso labo kwiimarike kwakhona. Kuzo naziphi na kwezi meko, abanini zabelo abancedi kwaye banokulinda kuphela ukuba imeko isonjululwe benethemba lokufumana inxenye yotyalo-mali lwabo.
Iindleko eziza kuqhubeka zichithwa
Ewe kunjalo, zimbalwa iindlela zokuzikhusela abanazo ukusukela oko banakho ukufumana ukuthengiswa kwemali kwizabelo zabo kwiinkampani ezidwelisiweyo kulele ukufikelela kwizivumelwano ezizodwa. Eli nyathelo ngokuyimfuneko lihamba nge ukutshintshiselana kwezokhuseleko kwiimarike eziziisekondari. Nangona kunjalo, ngumsebenzi oqinisekileyo ngokuqinisekileyo onikezwe ukungabikho komdla kwicala labathengi abanokubakho. Kwaye ukuba yenziwe yasesikweni, iya kuhlala ikwixabiso eliphantsi kakhulu kunelo libekwe ziimarike kuluhlu lwazo lokugqibela.
Enye yeengxaki ezinzulu ezibangelwa yile meko kukuba nangona izabelo zingadweliswanga, ibhanki egcina imali iya kuqhubeka nokuhlawulisa ikhomishini yokugcina. Ayisiyiyo ukuba iphakame kakhulu, phakathi kwe-5 ukuya kwi-15 ye-euro ngonyaka malunga, kodwa iya kuba yintlawulo yebhanki ekufuneka ijongane nayo yonke imithambo kwaye kude kube imeko isonjululwe.
Imeko esele yenziwe
Kuyo nayiphi na imeko, akukho mfuneko yokuba ungene ekuphelelweni lithemba kuba kukho iimeko zokubuyela kwimeko yesiqhelo, nokuba kuya kudlula iminyaka emininzi. Omnye wemizekelo ecacileyo umele ligeza, ethi emva kweminyaka ephantse ibe mithathu yentengiso yokungasebenzi ibuyele kwintengiso yesitokhwe. Ngokuhlaziywa kwe-155%, ukufikelela kumanqanaba ee-0,5 euro ngesabelo ngasinye. Abanini zabelo baseMartinsa-Fadesa babengenathamsanqa kangangokuba emva kokumiswa kwentlawulo, izabelo zazingabandakanywa kwaye ke zalahleka lonke ixabiso lazo.
Ngokusisiseko kwezi zizathu, elinye lamaqhosha ukuze le meko incitshiswe ineendlela ezahlukeneyo zotyalo-mali. Akucetyiswa ukubeka emngciphekweni imali kwaye uyityale kwibhasikidi enye kuba ubeka emngciphekweni omkhulu wokuba ungaphelelwa yimali oyigcinileyo ngobusuku kwaye ngokungeyomfuneko. Into abanokuyiphepha ekuphuhliseni iphothifoliyo efanelekileyo. Ngale ndlela, uya kuphulukana nenxalenye encinci yezinto zakho okanye usapho.
Iimpawu ezinika isilumkiso ngakumbi
Ngayiphi na imeko, kukho imiqondiso enokuthi iveliswe kwaye ibonisa ukuba ujongene nale meko imbi ngenxa yomdla wakho. Kunjalo akukho lula ukuzibona kwaye uzakufuna amava athile ekusebenzeni okuqhutywa kwiimarike zezabelo. Ukuze ngale ndlela uvale izikhundla ukuze iinkuku zingahambi ngaphezulu. Isicwangciso kule meko siza kusekelwa ekwenzeni ukuthengisa ngokungxamisekileyo okupheleleyo, nokuba kungaphezulu okanye kungaphantsi kokulahleka okuphezulu. Kuya kufuneka ucinge ukuba ukuphela kosuku ungaphulukana nayo yonke into. Kuhlala kungcono ukuba ulahlekelwe yinxalenye yemali yakho kunokusebenza konke. Le yinto ekufuneka uyicinge ukusukela ngoku.
Enye yezona zinto zibalulekileyo zale nkqubo inzima yile inento yokwenza nokukhetha inkampani edwelisiweyo. Kuba, enyanisweni, zezabo ikepusi encinci Ezona zithambekele ekuphuhliseni ukusilela kwemali ngenxa yesizathu ekulula ukusiqonda kukuba zezona zikwelona nqanaba liphezulu lamatyala. Kwaye ke, banokuvelisa le meko nangaliphi na ixesha. Ewe kunjalo, le meko ayixhaphakanga kwiinkampani ezenza isalathiso semarike yaseSpain, i-Ibex 35. Ngenxa yezizathu ekulula kakhulu ukuba abatyali mali abancinci nabaphakathi baqonde.
Iindlela zokusebenzisa
Ukuba nangayiphi na imeko ufumanisa ukuba ungene emanzini kuyo nayiphi na kwezi nkqubo ngekhe ube neendlela ezininzi zokuzikhusela ukuphuma kuzo. Kodwa kuwo onke amatyala, kuya kuba luncedo kakhulu kuwe ukwamkela uthotho lwezinto eziphambili ukuzikhusela iimfuno zakho ngeyona ndlela ichanekileyo. Ngenjongo ecace gca kwaye ayikho enye into ngaphandle kokugcina ubuncinci okanye inxenye encinci yenkunzi yemali. Ukuze ngale ndlela, ungashiyi lonke ulondolozo ngendlela yeyona meko imbi enokuthi ihanjiswe kuwe ukusukela ngoku.
Inyathelo lokuqala onokulithatha xa ujongene nokugqalwa njengenkampani edwelisiweyo kulindeleke ukuba le ntshukumo idibeneyo. Njani? Phambi kwawo nawuphi na umqondiso obonisa ukuba le meko inokwenzeka, impendulo yakho kwangoko yile thengisa izabelo ngexabiso lentengiso. Ayithengiswanga ngokuthengisa ngokuyinxalenye kodwa kwinani elipheleleyo lokusebenza. Ngaphandle kokulinda ukuba uchithe iintsuku ezininzi kuba kusenokwenzeka ukuba usemva kwexesha lokugcina inxalenye yolondolozo lwakho.
Lindela ukuba bacaphule
Isicwangciso sesibini sisekwe ekubeni ulinde ukuba izabelo zibuyele kurhwebo kwiimarike zezemali. Njengoko kwenzekile ngeSniace chemistry kwiminyaka ethile eyadlulayo. Nangona kunjalo, le ntshukumo yokuhamba ngokucacileyo inemingcipheko emininzi kwimidla yakho njengomtyali mali. Ingakumbi kuba ngekhe uphinde ucaphule Kwaye kwiimeko ezintle, kungathatha iminyaka emininzi ukuba bangene kwakhona kwiimarike ze-equity. Esi sisicwangciso kuphela ongasisebenzisa ukuba utyalomali lwakho aluphezulu. Kwezi meko kunokukuhlawula ngomngcipheko omncinci kwizikhundla zakho.
Kwelinye inqanaba kukuba uzama ukutshintshiselana ngezihloko kwiimarike zesekondari. Kodwa le ntshukumo ihlala inzima kwaye iyenzeka phantsi kwamaxabiso angaphantsi kwexabiso lezabelo. Kodwa ubuncinci awuyi kuba ngaphandle kolondolozo olutyalomali kwasekuqaleni. Kwelinye icala, unokufumanisa ukuba awuhlangani nomthengi kolu hlobo lweemarike ezizodwa. Kuba kukho ukungangqinelani okukhulu phakathi kokubonelela, ukuhanjiswa kunye nokufunwa kwezabelo zakho. Kodwa kuyo nayiphi na imeko kucacile ukuba kuya kufuneka uthathe isigqibo kwezi meko.
Zeziphi imeko ezazenziwe yibhanki edumileyo?
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