Iikhredithi ziya kubiza kakhulu ngo-2019

zi khredithi

Isigqibo esenziwe yi-European Central Bank (ECB) kwi nyusa inzala Ukusukela nge-2019, iya kuba kukubuyela umva kubasebenzisi abazakuthatha imali mboleko kwiinyanga ezizayo. Ngokumalunga naluphi na uhlobo lwenkxaso mali: iimali mboleko zomntu, zokusebenzisa, ngokukhawuleza, ukubambisa okanye ngokusebenzisa amakhadi ebhanki. Kwinqanaba eliya kuthi lixhomekeke kubunzulu bolonyuso olwenziwe yimibutho ezimeleyo. Nokuba yeyiphi na indlela, iya kuba ziindaba ezimbi kubasebenzisi bebhanki abakwimeko yokuboleka.

Nangona lo mlinganiso wemali uza kuba luncedo olukhulu kubagcini ngoku ukwandisa ukusebenza kwimali egcinwe kwiimveliso zebhanki ezahlukeneyo (iidipozithi zexesha, amanqaku ezithembiso zeshishini okanye iiakhawunti ezinengeniso ephezulu). Bazakubona ukuba kwiinyanga ezizayo umdla wabo uza kunyuka ngokuhambelana nokunyuka kwexabiso lemali. Kuba ngexeshana elifutshane kuyakuba luncedo ngakumbi ukwenza ukonga kulondoloze ngeendlela ezahlukeneyo ezinikezelwa ziibhanki.

Ngokuchasene noko kuya kwenzeka kubantu abaya kufuna nawuphi na umgca wekhredithi kwibhanki yabo. Kungenxa yokuba iimeko zemvumelwano kwezi mveliso zebhanki. Ngeli xesha umdla ophakathi wonyaka wale modeli mali Kuphakathi koluhlu oluphakathi kwe-6% kunye ne-11% yemali mboleko yakho kunye nolwahluko olungezantsi kwe-2% ngokubhekisele kwimali mboleko yezindlu. Ewe, ezi margins zorhwebo ziya kuthatha ixesha elide ukuba zifake izicelo. Ngesizathu esilula njengokuba ixesha lemali ephantsi liphelile kulo nyaka.

Ukunyuka kwenzala kwimali mboleko

Iziphumo ezingxamisekileyo zezigqibo zemibutho yoluntu iya kuba kukuba ngonyaka we-2019 iqondo eliphakathi lemali mboleko lonyuka ngesishumi sepesenti ezimbalwa ngokubhekisele kwiirhafu ezikhoyo. Ukuziqhelanisa noku kuthetha ukuba kwimfuno ye-10.000 euros, abasebenzisi kuya kufuneka bahlawule imali eyongezelelweyo malunga nama-25 euros phantse inyanga nenyanga. Ngaphandle kokunyuka kweendleko zeekhomishini kunye nezinye iindleko kulawulo lweemveliso zebhanki. Umzekelo, ezo zifunyenwe kwisifundo, ukurhoxiswa kwangoko okanye ukuhanjiswa.

Kwelinye icala, enye into ekufuneka ithathelwe ingqalelo kukuba oku kunyuka kwinqanaba lenzala akuyi kuchaphazela abathengi abanemveliso yezi mpawu zisesikweni. Iya kuchaphazela kuphela abasebenzisi abaza kuyimangalela ukusuka ekusetyenzisweni kolu fakelo kulo naluphi na uhlobo lweekhredithi. Umahluko omncinci ekufuneka uyazi ukuze ukwazi ubungakanani kunye nenkqubo yalo mlinganiso wemali. Ngokumalunga nomhla eliza kunyuka ngalo ixabiso lemali, awukabikho umhla omiselweyo, nangona iingcali zigqiba ekubeni oko kuyakwenzeka kwikota yokuqala yowama-2019. Into eya kuthi ichaphazele imeko yokuthengisa kwiimarike zezabelo.

Iingxowa ziya kuchaphazeleka

bolsa

Isiphumo sesibambiso sale milinganiselo yemali iya kuba yile ichaphazela iimarike zesitokhwe sesizwe. Ngokuhla kwexabiso kumaxabiso entengiso yezemali njengesiphumo seengxaki abaya kuba nazo iinkampani ukuzixhasa ukususela ngoku ukuya phambili. Akumangalisi ukuba, kuya kufuneka bahlawule imali engaphezulu ukuze babe nemali yokuqhuba naliphi na ishishini labo. Lo ngumcimbi ekufuneka uthathelwe ingqalelo ngabatyali mali abancinci nabaphakathi abazimisele ukuvula izikhundla kwiimarike zezabelo. Ngale ndlela, abatyali mali baya kuba lelinye lamaxhoba aphambili okunyuka kwamazinga enzala kwindawo ye-euro kwaye ngenxa yoko naseSpain.

Kwelinye icala, kubaluleke kakhulu ukukhankanya ukuba lo mlinganiso wemali kakhulu okuyingozi kwizihlunu ezivelisayo yelizwe kuba iinkampani kufuneka zenze umzamo omkhulu wemali wokuzixhasa. Into enokuthi ichaphazele inqanaba lamatyala afanayo kuba abayi kuba nandlela yimbi ngaphandle kokufumana inzala ephezulu kwimali mboleko abaya kuyifuna kwezona meko zibanzi ngokwenkxaso mali yabo kunye nokufezekiswa kweeprojekthi zoShishino ezintsha.

Kuza kuqala nini ukulayishwa?

Impendulo yokuba indawo elungileyo yabasebenzisi baseSpain kufuneka bayazi lixesha apho oku kunyuka kwenqanaba lenzala kuyakwenzeka. Ewe, okwangoku akukho mhla uchaziweyo, kodwa zonke iimbono zalatha kwinto yokuba iyakuba kwiinyanga zokuqala zonyaka ozayo apho ukonyuka kweentengo zemboleko ezinikezwe ziibhanki ziya kuqatshelwa. Le yindlela eyehliswa ngayo ngamanqaku akutshanje anikezelwa yibhanki ekhuphayo yelizwekazi elidala. Ngayiphi na imeko, inye into eqinisekileyo kwaye yile milinganiselo ayizukulibaziseka iinyanga ezininzi Kaninzi. Ke ngoko, kufuneka silinde iikhredithi ezibiza kakhulu ukuba ziqale ukuthengiswa kungekudala.

Kwelinye icala, le milinganiselo Iyakuchaphazela nawuphi na umgca wekhredithi kwaye ngaphandle kokukhetha. Ke ngoko, awuyi kuba nakho ukufihla kwesi sicwangciso semali esiza kwenziwa kungekudala. Ukuba uza kufuna imali mboleko kwezi ntsuku zimbalwa zizayo, awuzukukhetha ngaphandle kokucinga ukuba le yimeko oza kuyifumana. Oko kukuthi, kuya kufuneka uhlawule imali eninzi kunikezelo lwalo naluphi na uhlobo lwenkxaso mali, ngaphandle kokukhetha. Apho kungafuneka uhlawule iikhomishini kunye nenkcitho kulawulo lwayo okanye kulondolozo olubanzi ngakumbi kunangoku.

Kuthekani ngemali mboleko?

imali

Iimali-mboleko zobambiso ziya kulandela inkqubo efanayo kwaye kungabikho mahluko ngokubhekisele kwiminye imigca yemveli yemboleko. Ngale ndlela, ukonyuka sele kuqale kwicandelo lobambiso ngenxa yokonyuka okwenzekileyo kwisalathiso semilinganiselo yaseYurophu kolu didi lweemveliso zezemali, I-Euribor. Kukhuphuke kangangeenyanga ezilithoba zilandelelana njengendawo yokutshintsha kokuhla okwenzekileyo kule minyaka idlulileyo. Ewe kunjalo, sinokuthi lo mthombo wesalathiso sokufumana ikhontrakthi yemali mboleko yezindlu ufikelele ezantsi kwiinyanga ezininzi ezidlulileyo.

Kwimali ebolekiweyo yamanqanaba okubakho, iziphumo ziyakhawuleza kuba abafaki-zicelo sele behlawula i-euro ezimbalwa ngaphezulu ngezavenge zabo zenyanga. Inani eliza kunyuka kungekudala ngaphambi kokunyuka okukhulu kwi-Euribor kwaye ngokuqinisekileyo kuya kukhokelela kwi-yakho Umzamo wezoqoqosho ikhule ukusukela ngoku. Ke ngoko, ayimangalisi into yokuba baninzi abasebenzisi bebhanki abakhetha ukubambelela kwireyithi emiselweyo. Apho uyakuhlala uhlawula umrhumo ofanayo wenyanga, nokuba kwenzeka ntoni kwiimarike zezemali ukusukela ngoku.

Ibango letyala liyakhula

Kulo nyaka kuye kwakho ukwanda okukhulu kwimisebenzi ekunikezelweni kwemali-mboleko, kwimeko yokuphucuka okucacileyo kwimeko yokudibana kwelizwe lethu kwaye ngaphezulu kwako konke ngenxa yokwehla okukhulu kwezinto ekuthiwa zibolekisiwe. ii-asethi ezithandabuzekayo. Oku kubangele ukuba ibango lolu didi lweemveliso zebhanki lukhule ngokukhawuleza kunokuba bekulindelwe ngabahlalutyi beemarike. Kodwa kungekudala baya kufumanisa ukuba iimeko zabo zitshintshe kakhulu. Le nyani inokunciphisa inani leetransekshini ezisayiniwe ngabaxumi, nangona amandla abo engaziwa ngalo mzuzu.

Ngokuchasene noko, enye idatha efanelekileyo echaza le meko kukuba Amatyala eentsapho zaseSpain ibeka irekhodi elitsha lembali ekupheleni konyaka odlulileyo, ngokweenkcukacha ezivela kwiBhanki yaseSpain. Uphando olwenziwe yiBhanki yaseSpain lukwabonisa ukuba, emva kothotho lokungagqibeki ngenxa yengxaki, amanqanaba olwaphulo-mthetho anefuthe elincinci xa kugqitywa iimeko ezinazo iibhanki zokuvunywa kwemali-mboleko. Nangona le meko inokufikelela esiphelweni ngenxa yokunyuka okungaphezulu komdla othile kuwo nawuphi na umgca wekhredithi eSpain.

Ukuphumla kwimvume

imvume

Ke ngoko, kwaye unikwe le meko yokudibana, ayimangalisi into yokuba i-European Central Bank (i-ECB) ithe kuvavanyo lwayo lokugqibela kwityala lebhanki ukuba yayiyimeko yokuphumla ngenxa yemfuno yale mveliso yinxalenye enkulu yabasebenzisi bebhanki kwaye kwafunyanwa kulo nyaka. Umgca wenyani kukuba Ibango labo likhulile ngokukodwa.

Nangona kunyanzelekile ukuba ucacise ukuba amaziko emboleko abona kwangaphambili ukuba imigangatho yonikezelo iya kuba nzima ukusukela kwikota yokugqibela yale minyaka ilandelayo. Uxinzelelo lokhuphiswano kunye nokuqonda umngcipheko kube nefuthe lokuthomalalisa kwimigangatho yamatyala, utshilo u-ECB kwingxelo. Kwinto elindelweyo ukuba ibe yimeko elandelayo abathengi abaya kuba nayo kwiinyanga ezimbalwa.


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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.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.