Icandelo lebhanki elinobuchwephesha obucekeceke kakhulu

Elinye lawona macandelo asebenze kakubi kulo nyaka kwiimarike ze-equity ngaphandle kwamathandabuzo licandelo leebhanki. Inika ubuthathaka obugqithisileyo kwaye inqanaba lokuba ibona indlela amaxabiso ayo ahlengahlengiswe ngayo ngezantsi ezimbalwa Amaxabiso asezantsi kakhulu. Apho iingcebiso zabalamli bezezimali zicace gca kuzo zonke iiprofayili zabatyali mali: thengisa izikhundla kula maxabiso abaluleke kakhulu kwikamva lemarike yemasheya. Zombini kwiimarike zesizwe nangaphandle kwemida yethu.

Ukhuseleko kwicandelo leebhanki ngokungathandabuzekiyo luye lwachaphazeleka kakhulu kwizabelo zamashishini zesizwe ngezizathu ezahlukeneyo. Enye yazo sisigqibo sika KwiBhanki ePhambili yeYurophu (ECB) yokunganyusi amaxabiso enzala kwindawo ye-euro kwaye oko kukhokelele kwizibonelelo zeebhanki zehlile ngeli xesha. Kwelinye icala, ayinakulityalwa ukuba umjikelo wezoqoqosho awuhambelani nokuziphatha kwawo njengowonelisayo kuzo zonke. Ngothotho lwemibuzo evulelwa abatyali mali abancinci nabaphakathi ukusukela ngoku malunga nokuba kuyacetyiswa na ukuvula izikhundla kwicandelo.

Kule meko ngokubanzi, elinye lawona maqhinga alungileyo anokusetyenziswa ukusukela ngoku kukunciphisa izikhundla zabo kwicandelo kwinxalenye yokugqibela yonyaka. Ukuze ungazivezi ekuweni okuninzi kwiimarike ze-equity, nto leyo esiqhelo, ubukhulu becala ngeli xesha. Apho kukho umngcipheko wamaxabiso abo wehla kakhulu xa kuthelekiswa namaxabiso akhoyo ngoku. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha kwendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko. Umncinci kufuneka axatyiswe ukukhusela imali emiselwe ukutyala imali.

Icandelo leebhanki: ngokusikwa kwe50%

Onke amaziko emali, ngaphandle kwalo naluphi na uhlobo, abonile ukuba kwiinyanga ezili-12 ezidlulileyo zehle njani ngamandla amakhulu. Ukuya kuthi ga kwinqanaba lokuba amaxabiso abo ancitshisiwe ukuya kuthi ga kwiipesenti ezingama-50. Inkqubo ye- Santander Indawo ihambile ekubeni kufanelekile malunga nee-euro ezingama-6 ngesabelo ngasinye ukuya ngaphantsi kwenqanaba le-4 euro. Ngelixa ngokuchaseneyo, iBanca Sabadell sele ithengisa ngaphantsi kweyunithi enye ye-euro. Kwaye kunjalo ngazo zonke iibhanki ezidweliswe kwizabelo zaseSpain. Kwi-downtrend ngokwemiqathango yonke: imfutshane, iphakathi kwaye inde. Ngaphandle kwalo mzuzu kukho imiqondiso yokuba le ntshukumo iphantsi imile.

Kwelinye icala, licandelo lesitokhwe esesichengeni kakhulu kwizigqibo zemali ngaphakathi kwendawo ye-euro. Ayisiyiyo kuphela kwiibhanki zaseSpain kodwa kwezo zelizwekazi lonke laseYurophu ezibonileyo ukuba uxinzelelo lokuthengisa lubekwa njani ngokucacileyo komthengi. Ukuza kuthi ga kwinqanaba lokuba iibhanki zikhokelela kwilahleko kuninzi lweeseshoni zokurhweba. Ngokwehla kobundlobongela obuninzi kwaye kwimeko ezininzi kudlula amanqanaba e-2% okanye i-3%. Apho izandla eziqinileyo zentengiso ziphuma kwezi zikhundla ngokukhawuleza ukuya kumaxabiso akhuselekileyo.

Kwimeko yokuthengisa ngaphezulu

Oku kwehla kuseto lwamaxabiso abo kuyenzile inqanaba lokugqithisa kakhulu ngokungaqhelekanga nangokungaqhelekanga. Ukuza kuthi ga kwinqanaba lokuba abanye abatyali mali abancinci nabaphakathi bacinga ngokuvula izikhundla phambi kwamaxabiso asezantsi apho kurhwebo lwecandelo lokugcina imali lurhweba ngalo mzuzu kanye. Kodwa ke lumka kakhulu malunga nokusetyenziswa kwesi sicwangciso siyingozi kutyalo mali kuba kunjalo zisekude indlela ezantsi ngokunikwa imeko yangoku yezoqoqosho. Apho, ukuba uvula izikhundla, usenokushiya i-euro eninzi apha endleleni kwaye le yinto ekufuneka uyiphephe ngaphezulu kwezinye iintlobo zokuqwalaselwa. Imingcipheko isephezulu kakhulu kwaye kule nto akukho nto itshintshileyo ngezi zindululo zokulingana kuzwelonke.

Ngelixa kwelinye icala, awungekhe ulibale ukuba ezi nkampani zidwelisiweyo kwezinye iimeko zinjalo Ekwindla okusimahla. Amanani amabi kakhulu abanalo kuhlalutyo lwabo lobuchwephesha kuba bengenazo inkxaso ezifanelekileyo ngaphambili kwaye banokuphucula ukwehla, ubuncinci kwixesha elifutshane. Kuhlala kulunge ukuba uye kwezinye iivenkile ezinento yokwenza nobuchwephesha ekumema ukuthengwa okukhethiweyo kwimarike yemasheya. Umzekelo, abameli becandelo lombane abasebenza njengendawo yokusabela kuzo zonke iiprofayili zabatyali mali. Ukongeza, banesivuno semivuzo esijikeleze i-6% ngentlawulo yonyaka emiselweyo minyaka le.

Umngcipheko wokwenza imeko ibe mandundu

Enye ingxaki enxulumene nokukhutshwa kwesivumelwano kwicandelo lokugcina imali kukuba imeko yabo inokuba mandundu ngasekupheleni konyaka. Ke ngoko, esona sicwangciso silungileyo onokuthi usithathe ngeli xesha kukulinda utshintsho kwisigqibo esenziwe yiBhanki eNkulu yaseYurophu. Ngengqondo yokwenza isigqibo nyusa inzala kulindeleke kwikota yokuqala yonyaka olandelayo. Iya kuba ngumzuzu wokubuyela kweli candelo libaluleke kakhulu ngaphakathi kwezabelo zaseSpain. Ukuze ukwazi ukwenza imisebenzi enenzuzo xa ujongene nokunyuka okubonakalayo kwamaxabiso abo.

Ewe ewe, inokubanakho ukuphinda iphinde ibenokubakho kwakhona kwaye nangaphezulu kwamanye amacandelo esitokhwe. Kodwa okwangoku kungcono ukuyeka nayiphi na intshukumo enamaxabiso ngaphambi kwento enokwenzeka emva koko. Kuba, enyanisweni, umngcipheko ekusebenzeni mkhulu kakhulu kwaye ayifanelekanga ukubeka emngciphekweni imali yakho ekhoyo kutyalo-mali. Ukuba akunjalo, ngokuchaseneyo, unenye indlela enenzuzo ngalo mzuzu. Ayisiyiyo kuphela kwii-equity, kodwa ikwangumvuzo ochanekileyo. Yeyiphi eyona nto ukutyala imali ukuphela kosuku. Ke ngoko, ukhuseleko kwicandelo lokugcina imali kufuneka luthintelwe kwezi ntsuku.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
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