Ukuthenga ezona zibambiso zisala kwimarike yemasheya sisicwangciso-qhinga sokutshintshiselana ngesitokhwe esijolise ekuzuzeni kolo khuseleko olwenzile kakubi kunyaka ophelileyo. Ndiyathemba ukuba kwezi banokuphinda bafumane indawo kwizikhundla zabo, nangona ngokubanzi bengamacandelo abonisa indlela ye- ukungazinzi okuphezulu kunabanye. Ngomngcipheko owandileyo onokubangela ukuba ulahlekelwe yimali eninzi endleleni. Ngaphandle kwento yokuba banokubonisa umdla onomdla ngakumbi wokujonga umdla wabatyali mali abancinci nabaphakathi.
Ngale ndlela, kubalulekile ukuhlalutya ubungozi bale misebenzi ukubonisa ukuba kufanelekile na ukuvula izikhundla kolu khuseleko. Kungenxa yokuba kufuneka uyazi ukuba kwasekuqaleni ezi zizindululo kwiimarike ze-equity ezicacileyo yehla kwaye ayaziwa ukuba le yangoku iyonakalisa njani umdla wabo inokuma phi. Apho kuphela abatyali mali abanamava ngakumbi abakwimeko yokuthatha isikhundla kwezi asethi zemali.
Ngelixa kwelinye icala, kufuneka sigxininise into yokuba inokuba yimpazamo enkulu kuba amaxabiso amaninzi awileyo kakhulu ahambelana neenkampani ezivelise ezona ziphumo zibi kwikota zamva nje. Kwaye kukho umngcipheko wokuba mkhuba nzulu kwiinyanga ezizayo okanye nakwiminyaka, njengoko kwenzekile kumaxesha angaphambili. Ngaphandle kokuba izicwangciso zotyalo-mali zisebenza ngokukuko ukwenza ukuba imali ekhoyo ifumane inzuzo ukusukela ngoku. Ke ngoko, ayikhuthazwa kakhulu imisebenzi kuyo nayiphi na indawo yokujonga.
Uninzi lwamaxabiso asaseleyo: ibonisa ntoni?
Le meko yezobugcisa imele imeko embi yenkampani ekuthethwa ngayo kwaye kuyo nayiphi na imeko ukuba uxinzelelo lokuthengisa lubekwa ngokucacileyo kumthengi. Kwelinye icala, inokufunyanwa kumgangatho wobugcisa ongalunganga oveliswa lixabiso kwaye obangela ukuba ixabiso lalo lihle kwixesha elifutshane ngenxa yokuhla kwexabiso. Eyona nto ixhaphakileyo kukhuseleko oluncinci kunye nophakathi lwekapitali kuneetshiphusi ezinkulu zeblue kwilizwe lethu. Oko kukuthi, oonobangela banokuba nemvelaphi eyahlukileyo kwaye hayi inye kuphela njengoko abanye abatyali mali abancinci nabaphakathi banokuqonda ngalo mzuzu.
Enye into ekufuneka ihlolwe ngokubhekisele kumaxabiso ashiyekileyo kwimarike yemasheya sisalathiso kwinto yokuba eli xesha lokuhla kuhlala ixesha elide. Kwanele ukushiya i-euro ezininzi kwiipaki ezihamba ngendlela kwaye ke ulungelelanise imeko yokwenyani yeakhawunti yakho yokhuseleko. Kungenxa yokuba banokubonisa ukungazinzi okungaqhelekanga kwezi meko kwaye oko kunokukhokelela ekusebenzeni kakubi kwimarike yemasheya. Oku emva kwayo yonke into ekufuneka siyiphephe ngazo zonke iindleko ukuba asifuni ukuba nezinto ezothusayo ezimbi ukusukela ngoku.
Ixabiso lezi mpawu
Ngaphakathi kweli qela likhethekileyo kwiimarike ze-equity, uBanco Sabadell kufanelekile ukuqaqambisa ngalo mzuzu, ongaphezulu kancinci kwiyunithi enye ye-euro. Emva kokuba phakathi kwama-2 nama-3 euros kwisabelo ngasinye kwaye senza ukhetho lomngcipheko nangona inendlela ende yokuhamba. Kodwa nangawuphi na umzuzu inokuphinda yehle iphinde ibuyele kwindawo apho iqale khona ukubuyela umva, malunga ne-0,75 euros, eya kuba yindawo yokungena kwabona batyaleli bathelekisekayo kwimarike yezemali yaseSpain. Esinye sezindululo ezidweliswe kwisaphulelo kumaxabiso aso yiTelefonica, emalunga nokoyisa inqanaba elibalulekileyo elinee-euro ezisixhenxe nasemva kokuba besondele kakhulu kwi-euro ezingama-9.
Eli licandelo elikhethekileyo lezokhuseleko elikwimeko ekhethekileyo kwaye elifuna imisebenzi enzima ngakumbi kunokubhejwa kwezinye kwimarike yemasheya. Kule meko, asinakulibala ixabiso njengoko linjalo ngalo mzuzu. UKUQALA ukuba mhlawumbi iwagqithile amaxabiso ayo ukusuka kweminye iminyaka. Kodwa ibonisa umba kwiziseko zawo osimemayo ukuba sithathe izikhundla ukusukela ngoku. Akumangalisi ukuba abatyali mali banokuzuza ngaphezulu kunokulahleka kunye nexabiso elongeziweyo elibonelela ngesivuno esingaqwalaselwa sinomtsalane kakhulu. Ngenqanaba lenzala elingaphezulu kancinci kwe-5%, ngokuhambelana nezo zibonelelwa licandelo lombane.
Olunye ukhetho lokutyala imali
I-Sacyr yenye yeendlela ezizezinye zeli qela kutyalo-mali lwantlandlolo nokunye okuninzi kuba ibingumbandela wezindululo ezinkulu ngabalamli bezezimali. Ukuyithathela njengenye yezokhuseleko kunye nokuxabisa okukhulu okunokubakho kumanqanaba amaxabiso akhoyo ngoku. Idityaniswe kwicandelo, lelo le- abakhi, yenye yezona zinto zisebenzayo kwintengiso eqhubekayo yelizwe lethu. Kwaye kuyo nayiphi na imeko, inokuba sesinye sezimanga ezintle ezincumisayo kulo nyaka. Ngethuba lokuvelisa inzuzo enkulu ngokubhekisele kudweliso lwayo kwimarike yemasheya.
Ngelixa kwelinye icala, enye yeenkampani ekungafanelekanga ukuba ilahlekile kolu luhlu siyilungisileyo yiAtresmedia. Kungenxa yokuba, lelinye lamaxabiso ashiyekileyo kwimarike yemasheya kwiinyanga ezilishumi elinambini ezidlulileyo. Kodwa kule meko inye into eyenzayo kwaye yile yenye yeenkampani ezidwelisiweyo ezibonelela ngesahlulo esona silungileyo kwii-equities zesizwe. Ngomvuzo ophakathi kunye nonyaka osondele kakhulu kwi-10%. Oko kukuthi, kunye nembuyekezo yokonga i-10.000 euros kutyalo-mali lwe-100.000 yee-euro.
Ngamafutshane, zininzi iindlela esinokuthi sizibone ngezi mpawu, nangona eyona nto inzima kukuba okwangoku bavuka kwi-atony yabo yangoku kwezona meko zilungileyo. Kuba kwiimeko ezininzi ezi ziintshukumo ezinobungozi obuninzi kwaye ke ayizizo imisebenzi ezijolise kuzo zonke iiprofayili kubatyali mali abancinci nabaphakathi. Ezi zizicwangciso ekungekho lula ukuzisebenzisa.
Ngaba le misebenzi inenzuzo?
Ezi ntlobo zemisebenzi yesitokhwe azikhuthazwa kwiimeko ezithile okanye iimfuno zomtyalomali kwaye, ezinokuba zezi zichazwe ngezantsi:
- Abatyalomali abafuna i inzuzo ngokukhawuleza kwingxelo yabo yengeniso kuba ngunyaka ujikelezwe zizo zonke iintlobo zokungaqiniseki kwaye bafuna ukuhlawulwa okuthile.
- Kulabo batyalomali abathi ngokucacileyo bathathe izikhundla kwezokhuseleko uqikelelo, nokuba ngaphandle koqikelelo loqoqosho lwamazwe ngamazwe, kuya kuba nzima ukufumana izikhundla kulo nyaka.
- Ukuzibeka kwiinkampani ezinxulumene ngokusondeleyo namacandelo aza kusokola kakhulu kwiziphumo zobunzima bezoqoqosho, kwaye oko kuyakuthatha ixesha ukubuyela kwimeko yesiqhelo kamva kunamanye.
- Ukunyanzelwa kwaye ulindele amathuba okuthenga, aya kuthi kungekudala abonakale kwizabelo.
Umngcipheko wale misebenzi uphezulu kakhulu kwaye nangona izibonelelo ezinkulu zinokufunyanwa, akufanelekanga ukuba ukhethe esi sicwangciso sotyalo-mali. Kungenxa yokuba inokuhlala phantsi kwethambeka elifanayo kwaye ke ilahle imali eninzi ekusebenzeni. Akumangalisi ukuba, elinye lamaqhosha okwenza olu hlobo lokuhamba kwesitokhwe lube yinzuzo lilele kwinto yokuba ukubona umhlaba apho amaxabiso akho amiselweyo. Kodwa enyanisweni le nkqubo inzima kakhulu ukuyifumana ngaphandle kokuba ungumtyali mali onamava kolu hlobo lokusebenza kwiimarike zezabelo. Ngaphaya koko inokubhidekiswa nesaphulelo esimema ukuba sithathe isikhundla kwixabiso elikhethiweyo.
Ukuthengwa kwamasheya ashiyekileyo
Uninzi lwabalamli bezemali, kude nokubheja kwezona zinto zishiyekileyo kunyaka ophelileyo, ngokucacileyo babheje ngobulumko kwaye bakhethe ukucebisa kubaxumi babo ukuba bahlale ekuhlawuleni imali kwisiqingatha sokuqala sonyaka ukuze babone iguqula ubulungisa kwi ezininzi ezingaziwayo zibangelwa yimeko yezoqoqosho yangoku. Yiyo loo nto bengahambelani nokuthengwa kwesiqingatha sokuqala sonyaka, kwaye, ewe, nje ukuba eli thuba lihlalutyiwe, izikhundla zinokuthathwa kula macandelo okanye kwiinkampani eziphendula ngcono kumzuzu wangoku, nangona belumkisa ukuba esona sitshixo sokwenza umsebenzi olungileyo kukukhetha xa useta iipotifoliyo zezokhuseleko.
Ukusuka kule nyani yentengiso yesitokhwe, abahlalutyi bemarike yestokhwe bacinga ukuba kubalulekile ukubaleka amaxabiso aqikelelweyo angenakulindelwa ukukhula okanye kwiinkampani eziza kuphuma kubunzima bezoqoqosho obukhoyo ngoku. Ngamafutshane, ubulumko kunye nokulinda njengoko ii-equities ziya kuziphatha kwezi nyanga, ukuzama ukufumana ithuba lokuthenga elinomdla ngokwenene kwimidla yabatyali mali abancinci nabaphakathi.