Abaxeli benza iprofayili yotyalomali echazwe kakuhle. Aba ngabantu abazama ngokukhawuleza ukufuna eyona mbuyekezo inkulu kwimisebenzi yabo yezemali. Ngaphantsi kokugqibela, kulunge ngakumbi kwimidla yakho. Kwaye kuyo nayiphi na imeko, bakhetha amaxabiso ahambelana kakhulu nokuvula iintshukumo kwakamsinya. Iphawuleka ngokuba zizihloko ezilawulwa ngu ukungazinzi okuphezulu kwizicatshulwa zabo, ngaphezulu kwesiqhelo.
Ngokubanzi, olona khuseleko lubonakalayo kwimisebenzi yakho kwiimarike zezemali zivela kwezo zincinci, kwaye oko zimbalwa kakhulu izihloko ezihambayo kwiseshoni efanayo yorhwebo. Kodwa ucinga ngokwahluka okuninzi phakathi kuchaphulo olu Ukuphakama kunye neelows kulindeleke ukuba zenze iphothifoliyo yotyalo-mali yaba batyali mali bakhethekileyo. Nangona ixesha elifutshane.
Le yimisebenzi ebeka umngcipheko ogqithileyo, kwaye efuna unyango olwahlukileyo. Ngaba batyalomali kuphela abanokukunika ukuba ube nemfundo eyimfuneko yokulawula iintshukumo zabo. Abajongi ixesha eliphakathi nelide. Hayi kangako, kodwa imfutshane. Isicwangciso sakho sotyalo-mali sisekwe kule nto. Amaxesha amaninzi abanalo uhlalutyo olusisiseko lokuvula izikhundla zabo kwiimarike ze-equity, kodwa ngokuchaseneyo, i-technician yinto yabo ekhethiweyo yokukhetha ixabiso.
I-speculators: iipotifoliyo ezikhethekileyo zotyalo-mali
Ngenxa yazo zonke ezi mpawu, abatyali zimali abaziqhelanga abazigcinanga iifizi zesiko xa belungiselela izindululo zabo zotyalo mali. Kodwa ngokusebenzisa amaxabiso ayingozi kakhulu yentengiso yezemali. Kwaye kwezinye iiprofayili ezininzi azikaze zithathelwe ingqalelo, okanye ubuncinci kwizihlandlo ezimbalwa kakhulu. Le yindlela abathanda ukutyala imali ngayo kwimarike yemasheya, ngokungafaniyo nezinye iiprofayili zohlobo olwahlukileyo. Kuya kufuneka uzichaze kuphela ukuba ngaba ulilungu leli qela lotyalo-mali.
Ukuba kunjalo, uya kuba namaxabiso asikelwe umda onokukhetha kuwo ukusukela ngoku. Iya kuba lukhetho olungayi kudlula kwizindululo ezilishumi elinambini. Ezinye zazo zezi siza kuthi sizibhentsise kweli nqaku ukuze ukwazi ukuhambisa iminqweno yakho njengomnye wabatyali mali abacingelwayo abahlala bekhona nakweyiphi na imarike yemasheya, okanye nezinye iiasethi zemali.
Kuzo zonke izinto ezikhethiweyo zesitokhwe, kukho ukubonakaliswa kwe- iinkampani zomqolo wesibini, kwaye ezo azizizo kwizalathiso ezikhethiweyo zikazwelonke. Ngaphandle kokungahoyi iinkampani ezinkulu ezingaqhelekanga ezisebenza phantsi kwezi paramitha zoluhlu. Zizo, nangayiphi na imeko, amaxabiso ekulula kakhulu ukuwachonga ngenxa yeempawu ezizodwa ezichazayo. Kwaye uya kuba nakho ukuqinisekisa ngokukhetha okukhethiweyo kwaba bameli.
I-Arcelor, iyonwabile kwiimvakalelo ezinkulu
Akukho nto ingcono kunokuqala ngesona sitokhwe sinamandla kwimarike yaseSpain, ebandakanyiweyo kwisalathiso sikazwelonke esikhethiweyo. Ngenye yeenkampani ezibaluleke kakhulu zentsimbi emhlabeni. Kodwa ngeentshukumo ezinqabileyo kakhuluNgokukodwa kubatyali mali ngononophelo olukhulu ngokubhekisele kumngcipheko. Ukunyuka kwamaxabiso abo kulula kakhulu ukufikelela kwi-5%, nangobuninzi obukhulu kwiiseshoni zokurhweba.
Iimvakalelo ezinamandla ziyaqinisekiswa xa kuvulwa izikhundla kweli xabiso linzima leequities. Kunzima kakhulu ukusebenza ngezabelo zakho, kunye nomngcipheko ocacileyo wokulahlekelwa yimali eninzi xa ungena kwisitokhwe sakho. Njengendawo yokubonisa, ithuba lokuba kufuneka ufumane ibhegi yokonga ebaluleke kakhulu ngexesha elifutshane kakhulu. Phantse kuhlala kukhokelela kwiinzuzo okanye ilahleko yesalathiso somgangatho waseSpain.
Imeko yezobuchwephesha yale nkampani, ngokutsho kwabaninzi kunye nabatyali mali abaninzi, iyekile ukubangumbonisi kwixesha elide okoko yafikelela kwinqanaba lee-euro ezimbini ngesabelo ngasinye. Kodwa oku akuthethi ukuba izakuqhubeka nokukhula kwiinyanga ezizayo. Hayi kwikabo, Inqanaba eliphambili lokuqinisekisa ukunyuka kwexabiso kwii-euro ezingama-6. Ngethuba nje kungenakwenzeka ukugqitha kula manqanaba kumaxabiso ayo, ikhontrakthi yayo nomngcipheko ophezulu kakhulu iya kuqwalaselwa.
I-Abengoa, ixhaphake ngakumbi kwiikhasino
Ngaphezulu komhlalutyi wee-equity kwimarike ubize eli xabiso ngakumbi kwiindawo zokungcakaza kuneemarike zezemali. Kuya kufuneka ujonge ukuba indaleko ibinjani kwiinyanga ezilishumi elinesihlanu ezidlulileyo. Akukho ndlela inokwenzeka yokuyihlalutya ngokuchanekileyo, Kwaye yonke into iya kuxhomekeka kwindlela onethamsanqa ngayo ukuba uvula izikhundla ukusukela ngoku.
Ayisiyonto inyusayo kwaye ayibikho. Ngokuchasene noko, kuba iingxaki kumgca wazo wezemali zenza ukuba urhwebe ngokunganyanzelekanga okuthe kratya kunqabile kwiivenkile zesitokhwe. Ngaphantsi kweepesenti, ngendlela enye okanye enye, zimele amanani amabini. Nokuba abatyali mali abancinci abanoburharha abanakho ukusingatha esi sicwangciso. Kwaye ukuba yenziwe, izixa eziphantsi zihlala zithobekile. Akumangalisi ke ukuba lolunye lwezona zikhuselo zinobungozi kwimarike yezemali iphela.
Ngayiphi na imeko, kubonakala ngathi ngoku inokubekwa njengethuba lokuthenga kwabathengisi. Isizathu asikho enye ngaphandle kwamathuba amakhulu okuba kukho isivumelwano sokugcina inkampani kwiingxaki zayo ezinzulu zemali. Ngokwemithombo yentengiso, ingeniso kwi-2020 ye-4.200 yezigidi ze-euro kunye nenzuzo yokusebenza enokuthi ifike kwi-274 yezigidi ze-euro icingelwa.
Ukoloniyali kwicandelo lokuthengiswa kwezindlu
Kwiimarike zokhuseleko lwesibini kukho nolunye ukhuseleko olunale mpawu. Sithetha nge-real estate yaseColonia. Enye yee-ertyisi ozithandayo zabarhwebi. Ngokukhawuleza nje ukuba izabelo zabo zinyuke nge-virulence ekhethekileyo, ethi emva kweentsuku ezimbalwa iwele phantsi kweepesenti ezifanayo. Kuya kufuneka ukuba ube namava kakhulu kwizabelo ukuze urhwebe ukhuseleko lwakho. Ngaphandle kokuba ufuna ukuthatha umngcipheko ogqithileyo xa uvula izikhundla kule nkampani.
Njengezindululo zangaphambili, ivelisa ukungazinzi kumaxabiso ayo ngaphezulu kweendlela eziqhelekileyo kwimarike yestokhwe saseSpain. Ukunyusa ngokulula okanye ukunciphisa i-10%. Nangona kule meko kukho umthamo omkhulu ekuqeshweni kwezihloko zabo. Elinye ixabiso, ngokufutshane, ukuba neemvakalelo ezinamandla kwicandelo lezemali. Ngesidingo sokubeka iodolo enemiqathango yokunciphisa ilahleko.
I-Colonial Real Estate, nangona kunjalo, iya kuba nento eyithandayo abaxeli. Ayisiyonto yimbi ngaphandle kokuhambisa igalelo kwakhona kwiminyaka elishumi emva kwengxaki, xa kwanyanzeleka ukuba unqumamise umvuzo kubanini zabelo. Kuba, le nkampani ibhengeze ukuba izakubeka ngaphezulu kwe-40 yezigidi ukuhlawula le mali kubanini zabelo kwaye iya kumela ixabiso le-0,015 euro ngesabelo ngasinye. Inkuthazo entsha yokubhalisa izihloko zakho.
Natra: ezandleni zabaqikeleli
Ummeli wesine wolu khetho kunye neqela eliyingozi lamaxabiso yile nkampani inikezelwe ekutyeni. Hayi phantsi kobukhulu bala maxabiso angentla, kodwa ukubeka emngciphekweni ukonga kwabatyali mali. Ukutshixwa kwayo kwenzeka ngesiquphe kangangokuba kuye kube nzima kakhulu ukusebenzisa nasiphi na isicwangciso kunye nenkampani. Ngaphandle kokuba ikwikota elifutshane kunye nexabiso elincinci kakhulu.
Inomgca oshishino ozinzileyo okanye ongaphantsi, kodwa uneengxaki ezithile zokuvelisa inzuzo ngengxelo yengeniso. Abatyalomali benze imali eninzi yokuvula izikhundla, kodwa baphulukane nokulahleka. Ubunzima buyabonakala kwimisebenzi yakho, nokuba yeyiphi na iprofayili yabatyali mali.
Nangona kunjalo, kulo nyaka utshintsho kwiiakhawunti zabo lubonakala. Kubonakala ngathi iya kuvela kwilahleko emva kweminyaka eliqela kule meko intle. Ngelixa bekukho utshintsho kumkhombandlela, uhlengahlengiso kwinkampani, kunye nokudityaniswa kweshishini ngamanye amaxesha neenkxaso zalo. Iyaqhubeka nokugcina umthamo ongaphezulu kwesivumelwano, kwaye nakweyiphi na imeko iphezulu kunaleyo yenziwe zezinye iinkampani ezineempawu ezifanayo. Elinye ixabiso kwi-ajenda yakho ukuba ufuna amaxabiso aneemvakalelo ezinamandla.
USniace kunye nokubuyela kwakhe kwizicatshulwa
Kwaye ekugqibeleni akanakulityalwa phantsi kwayo nayiphi na inkalo yeSniace. Ukhuseleko lwe-cap-encinci esele iphinde yadweliswa emva kokubakho iminyaka emininzi imisiwe. Sisinye sezindululo ezinamaxabiso angaphantsi kweyunithi enye ye-euro. Le nyani iyenza ukuba ibe yeyona nto kujoliswe kuyo kwezona zininzi ziqikelekayo kwimisebenzi yabatyali mali. Umahluko omncinci kakhulu kunokubangela inzuzo (okanye ilahleko) yee-euro ezininzi.
Izihloko zale nkampani yemichiza zinohambo olude, Nokubaleka ukuya kumanqanaba e-euro. Ukumela iinzuzo ezinkulu ezingaphezu kwe-50%. Kodwa ngaphandle kokutyeshela umngcipheko ovela kukungaqiniseki okuveliswe ngumgca wakho wekhredithi. Akumangalisi ukuba, kungagwetyelwa ngaphandle nangaliphi na ixesha amaxabiso abo anokunyuka phezulu.
Enye yeendaba onokuthi uphinde usebenze ngezenzo zayo kukuba ifumene ukuvunywa kweNdalo esingqongileyo ukuqala imveliso. Ayothusi into yokuba uSniace afezekise ixesha lokutshintsha kweenyanga ezintathu kwimvume yokukhutshwa de kube indawo yokusebenza yonyango isebenza ngokupheleleyo. Kuqikelelwa ukuba ukuvulwa kwakhona kuya kusondela, kwiiveki okanye kwiintsuku ezimbalwa ezizayo. Ukunika umsebenzi ongaphezulu kwixabiso lawo kwizabelo, kwaye kude kube kutshanje bekude kakhulu. Ngamanqanaba okuzinziswa kufutshane nomqobo we-0,20 euro ngesabelo ngasinye. Ngamafutshane, luthotho lwezindululo eziza kunika uvuyo olungaphaya kwesinye kwabatyali mali abancinci abancinci abanqwenela ukubeka emngciphekweni ukonga kwabo.