Ukujongana nokwehla okubonakalayo kweemarike zamashishini zamashishini ezingenanzala emisiweyo, enye yeendlela zokulawula ukonga kukwidipozithi yeebhanki yexesha elimiselweyo. Ngaphandle kwengeniso abayinikelayo ngalo mzuzu, ayonelisi kwiimfuno zabancinci zokugcina ezincinci neziphakathi. Ngeli xesha, umndilili wenyanga ye-12 yerhafu kwikota yesigxina ine- inzala ejikeleze i-0,13%, ngokweedatha zamva nje ezinikezwe yiBhanki yaseSpain. Ngenxa yexabiso lemali kwaye ikwi-0% kwindawo ye-euro kwaye nakweyiphi na imeko iphantsi ngokwembali.
Kodwa inyani yokuba imarike yemasheya inokwehla ukusukela ngoku inokwenza abatyali mali bajike izimvo zabo kule mveliso yebhanki. Ngayiphi na imeko, ii-equities zaseSpain zathengisa zizonke 49.039,8 million ngo-Epreli. Oko kukuthi, i-41,4% ngaphezulu kwenyanga ephelileyo, ngaphandle kokuba neeseshoni ezimbalwa zeshishini kwimarike, nokuba yeyiphi na inyanga eyeyona ibalaseleyo ukusukela ngo-Okthobha odlulileyo. Kwikota yonyaka, bekukho ukwehla okungama-25,4% nalapho inani lothethathethwano belizizigidi ezi-2,9, iipesenti ezisi-7 ngaphantsi ko-Matshi ne-0,8% ngaphantsi kwenyanga enye yonyaka ophelileyo.
Kule meko ngokubanzi, kwisiqingatha sesibini sonyaka kunokuba lixesha lokufumana iikhontrakthi zebhanki zexesha elimiselweyo. Kuba ngaphandle kwezinga lenzala ephantsi kukho iindlela ezahlukeneyo esinokuthi sandise ukusebenza kwazo. Ukuya kwinqanaba lokunyusa inzala yakho ngaphezulu kwepesenti enye. Ukuze ngale ndlela, kunenzuzo ngakumbi ukuba imali igcinwe kwimveliso yezi mpawu. Apho ukhuseleko lukhona ngaphezulu kwezinye izinto ezinoburharha ngokwembono yotyalo-mali.
Ukunyusa ukusebenza: ukujongana
Elona cebo lilula lokufaka isicelo sokuphucula ukusebenza kweedipozithi zebhanki zexesha elimiselweyo kukusebenzisa izibonelelo kunye nokunyuselwa okwenziwe ngamaziko emali iinyanga ezimbalwa. Banikezela ngeemodeli zolondolozo ezicetyiswayo ukuba ziqeshwe kwaye zinako igqithe i-1% okanye i-2% yenqanaba. Kwiimeko ezininzi kuyakufuneka ukuba kuthunyelwe imali kwi-payroll okanye kwingeniso eqhelekileyo ukuze uzuze kwiimeko eziphantsi kokubhala. Ezi zizibonelelo ezijolise kubathengi abatsha kwaye kuzo zonke iimeko azinakuhlaziywa ekuphelisweni kwazo. Ngaphandle kokuba.
Olu didi lweedipozithi zebhanki zexesha elisisigxina lunexesha lokusisigxina ukusuka kwi-6 kuye kwi-12 iinyanga kunye nesixa esikhulu ekufuneka sihlawulwe esifikelela malunga ne-50.000 euro. Ukufumana imali ekugqibeleni yokuvelisa imbuyekezo ngesi sicwangciso sotyalo-mali esahlukileyo. Ukunyanzeliswa kwezi mpawu ezibonelela ngeyona nto ibalulekileyo yiBankinter efikelela kumanqanaba e-5%, nangona ikho le miqathango sele ikhankanyiwe.
Qhagamshela kwimpahla yexabiso
Elinye iqhinga elinokusetyenziswa ukusukela ngoku ukuya phambili kukubopha irhafu kwenye iarhente yezemali. Akunyanzelekanga ukuba ibekhona kwisitokhwe, kodwa nayo izinto eziluhlaza, izitye ezixabisekileyo okanye isalathiso somgangatho ekubekwe kuwo ngaphezulu kwe-90% yemali mboleko enikezelwe yiSpanish. Ukuba iinjongo zifezekisiwe kwikoteyishini yayo, amanqanaba enzuzo angaphezulu kwe-5% anokufezekiswa. Kwaye ukuba oku bekungenjalo, kuya kuhlala kukho imbuyiselo emiselweyo kunye neqinisekileyo ngonyaka. Malunga ne-0,50% kunye nantoni na eyenzekayo kwiimarike zezemali.
Olu didi lweemveliso luxhomekeke kukhetho lwabatyali mali abancinci nabaphakathi. Ngokubonisa ukuba yindlela ekhuselekileyo yokwenza ukuba imali oyityalileyo ibe nenzuzo kwaye ngaphandle kokubandakanya umngcipheko ekubonakalisweni kwemali eyinkunzi. Kuba akukho xesha baya kuba nakho ukuphulukana nenxalenye yalo kuba kukho indlela ye- inzuzo encinci ukusuka ekuqaleni. Ngenzuzo yokuba iidipozithi zebhanki zexesha elimisiweyo zinokunxulunyaniswa nayo nayiphi na iasethi eyimali. Ukusuka kwesona siko lesiqhelo ukuya kwezona zinto zintsha kwaye kungabikho zithintelo kwisibonelelo sebhanki sangoku.
Yandisa imigaqo yokusisigxina
Kwelinye icala, ungasoloko ujonge ekwandiseni imigaqo kolu hlobo lweemveliso zokonga. Ukufikelela kwixesha Iinyanga ezingama-36 okanye ezingama-48 apho inzuzo iya kuba phezulu kancinci. Akukho kuninzi okunokuphuculwa ngokubhekisele ekubuyisweni kwemali kwezi mveliso, kodwa ubuncinci ziya kuba zizishumi ezimbalwa zepesenti xa kuthelekiswa neemodeli zesiko. Kananjalo ngenzala eya kuqinisekiswa kwasekuqaleni. Ngaphandle kwekhomishini okanye enye inkcitho kulawulo okanye kulondolozo lwayo.
Ukuza kuthi ga kwinqanaba lokuba kunokuba yenye indlela yokuthengisa kwiimarike zezabelo ngoku. Ngeefomathi eziqwalaselwa njengesiqhelo kuba akukho luhlobo lwekhonkco nezinye iimveliso zemali okanye iiasethi. Ayilolize, iyangqinelana needipozithi zobomi bonke kunye nokuba abazali bethu okanye ootatomkhulu noomakhulu bethu baqesha. Apho ungafikelela khona kwisibonelelo sakho ngeemodeli ezithengiswayo nge Internet. Ngokuthuthuzelwa ekhaya kwaye banokuthi baphucule inzuzo yabo ngesishumi sepesenti ngokuthelekiswa nezivumelwano ezenziwe ngamasebe ebhanki okanye ngomnxeba.
Khetha izibonelelo zebhanki yedijithali
Alithandabuzeki elokuba ukubhenka kwidijithali yeyona nto ibonelela ngoku ngeyona ndlela ingcono yokulamla kwiidipozithi zebhanki zexesha elimiselweyo. Ngothotho lwezindululo ezinokuba yinzuzo enkulu kwimidla yethu yobuqu. Ukufumana amanqanaba emivuzo anokubakho indlela 2% okanye 3% ngaphezulu kweefomathi zesiko. Isicwangciso-qhinga sotyalo-mali sigxile kuthi ukuze sikwazi ukwenza isivumelwano kunye nasiphi na isixhobo sobuchwephesha: iifowuni eziphathwayo, iitafile okanye ezinye izixhobo ezineempawu ezifanayo.
Ngelixa kwelinye icala, kusinika ithuba lokuphucula ubudlelwane bethu neebhanki zezi mpawu. Ngokufumana iibhonasi ekontraka ezinye iimveliso zemali okanye ufumane amakhadi etyala okanye okuthenga ngetyala simahla. Njengakolunye uthotho lweenkqubo ezenziweyo kwezi bhanki zedijithali. Kuzo naziphi na iimeko, ukwenziwa ngokusesikweni kwemali ebhankini yexesha elimisiweyo kwenzeka rhoqo kumajelo obuchwephesha, ngokungafaniyo neebhanki zesiko. Njengolunye lweempawu zakhe eziphambili ngalo mzuzu.
Unikelo lwabathengi abatsha
Kukho olunye udidi lweebhanki zexesha elimiselweyo ezimiselwe imali entsha okanye abathengi abatsha kwaye ezivumela ukufumana imbuyekezo kufutshane ne-3%. Nangona kunjalo, banesiphene sokuba banamaxesha amafutshane kakhulu okuhlala. Phakathi kweenyanga ezi-3 ukuya kwezi-6 phantse kwaye zisebenza kuphela kumacandelo akwi- Iibhalansi ezingafuneki ngokugqithisileyo kwaye oko kohlwaya ibango lale mveliso yemali. Ngaphandle kolunye uthotho lokuqwalaselwa kobuchwephesha kwaye iya kuba yimixholo yelinye icandelo kwinqaku elizayo.
Olu hlobo lweedipozithi zebhanki zexesha elimiselweyo lunokuba lunomdla kakhulu xa uza kutshintsha ibhanki kuba ungazisebenzisa ezi zibonelelo zikhethekileyo okanye unyuselo. Injongo yayo ngumnqweno weebhanki ukufaka abathengi bokhuphiswano Ngaphezulu kwayo yonke le nto, kwaye ngenxa yoku, banikezela ngezixhobo ezinobundlongondlongo kunye nezinto ezinomdla kakhulu de kube ngumhla wokuphelelwa kwazo. Kwelinye icala, awungekhe ulibale ukuba ezi modeli zokonga azibandakanyi naluphi na uhlobo lwenkcitho kwaye inzuzo iya kuya ngqo kwiakhawunti yakho yokonga.
Ukuqesha kwi-Intanethi
Ezi fomathi kwiidipozithi zebhanki zexesha elimiselweyo zikwathetha ukuphuculwa kwembuyekezo kulondolozo olugciniweyo. Nangona iphantsi kwesixa esingabekiyo. Kodwa ngoncedo onokuluqesha nangaliphi na ixesha losuku. Nokuba kusebusuku okanye ngeempelaveki kunye nemali oyifunayo. Ke ngale ndlela, imali egciniweyo inokwenziwa ibe nengeniso ngendlela efanelekileyo kunakwimodeli zesiko. Kukuphi okwenyukayo phakathi kwemikhwa yabasebenzisi baseSpain.
Kwelinye icala, le nkqubo yesivumelwano ikuvumela ukuba uthelekise izibonelelo ezahlukeneyo ezinikezelwa ziibhanki kwaye ukhethe ifomathi ilingane ngcono iprofayile yakho njengesigcini esincinci nesiphakathi. Zombini ngokwemigaqo kunye nemali ofuna ukuyirhumela. Ngelixa kwelinye icala, ikunika ithuba lokukhetha phakathi kweemali zamanye amazwe. Phakathi kwezo zivelise i-euro, idola yaseMelika, i-yen yaseJapan okanye i-franc yaseSwitzerland phakathi kwezona zibalulekileyo kwintengiso.
Ngamafutshane, kuya kufuneka ukhethe iindlela ezahlukileyo zotyalo-mali ezijolise ekuphuculeni inzuzo yakho kwibhanki yexesha elizinzileyo ukusukela ngoku. Akumangalisi ukuba, ekupheleni kosuku okubandakanyekayo xa kutyikitywa iklasi yeemveliso zezemali ezinje ngezi zemveli. Kukuphi okwenyukayo phakathi kwemikhwa yabasebenzisi baseSpain.