Ngaphantsi kwegama elinomdla lokuchichros kukho izinto ezifihliweyo ezikhuselekileyo ezidweliswe kwimarike yemasheya egcina iimpawu ezichazwe kakuhle. Ezi ziinkampani ezenza amashishini amancinci ezinemali encinci kakhulu kwaye zijolise ekusebenzeni kwabona batyaleli bathelekelelayo kwiimarike zezemali. Apho beme khona ngoku umthamo ophantsi wokugaya ukuba baqhube kuzo zonke iiseshoni zokurhweba. Ukuza kuthi ga kwinqanaba lokuvelisa umahluko omkhulu wokusekwa kwamaxabiso. Ngaphezulu kwezo zivelisiweyo amanye amaxabiso zamasheya.
Ukuba kukho uphawu olunye oluchaza ngokuchanekileyo amaxabiso abizwa ngokuba yipeya ertyisi, kukungaziphathi kakuhle okukhulu. Iya ibaxeka ngumahluko obonakalayo phakathi kwamaxabiso aphezulu kunye neyona isezantsi, anokuba ngaphezulu kwe-10%. Ke ngoko, ilunge kakhulu imisebenzi yangaphakathiOko kukuthi, kuqhutywa kwiseshoni enye yokurhweba ukuze kusetyenziswe le ntshukumo inobundlobongela. Apho unokufikelela khona kwiinzuzo ezinkulu ezingenakufikelelwa kwezona zithethe zizinzileyo zeemarike zezemali.
Izabelo zaseSpain zizele ziinkampani zezi mpawu. Zombini ngokubhekisele kwimarike yesizwe eqhubekayo kwanokuya kwi Enye indlela yokuThengisa (MAB). Ngabameli abaziwayo abanjengoSniace, Ercros okanye Inmobiliaria Colonial, ukubiza nje imizekelo embalwa. Amaxabiso asezantsi yenye into echaza ii-ertyisi. Kuba ngokubanzi ixabiso lalo lingaphantsi kweyunithi ye-euro. Nangona kunjalo, oku akuthethi ukuba zitokhwe zinexabiso eliphantsi. Ngokuchasene noko, kwiimeko ezininzi amaxabiso ayo abiza kakhulu.
Chicharros: ungasebenza njani nabo?
Kule klasi yezokhuseleko olukhethekileyo, oomatshini bokutyala imali bahluke kakhulu ngokubhekisele kumaxabiso athathelwa ingqalelo njengesiqhelo. Ukuqala, zilungiselelwe imisebenzi yotyalo-mali kwixesha elifutshane kakhulu. Akumangalisi ukuba ube semngciphekweni wokubambeka kwizikhundla zabo. Yinto leyo ke kunzima kakhulu ukuphuma kuyo. Kwelinye icala, bafuna intshukumo ekhawulezileyo kakhulu ukuba basebenzise ukuma nkqo kwezinyuko zabo, kuba izantsi nazo zikhula kwicala elinye. Zidwelisiwe iinkampani ezinokuphakama nge-10% kwiseshoni enye yokurhweba ngokukhawuleza ukuba zinokushiya ipesenti efanayo ngosuku olulandelayo.
Iipeyasi ngamaxabiso, kwelinye icala, kunzima kakhulu ukusebenza. Kuphela ukuba uqinisekile amava ekusebenzeni ungakulungela ukwenza ulondolozo lube nenzuzo kunye neziqinisekiso ezithile zempumelelo. Ngayiphi na imeko, awusoze ujonge imisebenzi kwixesha eliphakathi nelide. Isizathu esisisiseko kwaye oko kukuthi unokufumana ukubambeka kwizikhundla zabo. Oko kukuthi, bamakisha amaxabiso akude kakhulu kwii-odolo zokuthenga. Ngenxa yeli nyathelo, awuzukukhetha ngaphandle kokuqhuba intengiso eyoyikisayo okanye, ngokuchaseneyo, ulinde ixesha elininzi kakhulu de ube ubuyisele ixabiso apho uvule khona izikhundla kula maxabiso awodwa.
Ngeengxaki zemali
Enye yezinto ezibalaseleyo kwezi nkampani zibandakanyiweyo kweli hlelo linomdla kukuba zihlala zinengxaki kwimigca yeshishini lazo. Ukuziqhelanisa oko kuthetha ukuba bathambekele ekubeni nobunzima ekubaxhaseni ngemali. Ngokubanzi ngeziphumo zeshishini ezingagugi kakhulu kwaye ke oko kunganikeli ziqinisekiso kubatyali mali abancinci nabaphakathi. Enye yeengxaki zakhe eziphambili zivela kwinto yokuba amashishini akhe azinzile kwaye uneengxaki ezigqithileyo zokuqhubela phambili. Nokuba bayazilandela ezinye iinkampani kuhlobo oluthile lwe intengiso phakathi kwabo. Balawulwa zezi paramitha kwaye oku kwenza ukunqongophala kwenkcazo kwizicatshulwa zabo yenye yezona zinto bezisoloko zikho kubomi babo bonke.
Kwelinye icala, ayinakulityalwa ukuba ii-ertyisi zithambekele kakhulu ekusebenzeni ngokuqikelela ngabatyali mali abancinci nabaphakathi. Kunye Izabelo ezingazinzanga kakhulu Oko kubathintela ekuhlaleni kwimeko. Kungenxa yokuba ekupheleni kosuku okubalulekileyo lixabiso abaliphawulayo kwiseshoni yorhwebo. Akukho phambili kwizinto ozilindeleyo. Ukuya kwinqanaba lokuba kunzima kakhulu ukuphuhlisa isicwangciso-mali. Kungenxa yokuba ukuba la maxabiso abonakaliswa yinto ethile, kungenxa yokuba zihamba ngamandla, njengoko ubonile kule minyaka idlulileyo.
Ziyimixholo yamarhe rhoqo
Enye into ekufuneka uthembele kuyo ukuba uza kusebenza kunye nee-ertyisi kukuba amarhe malunga nemeko yezemali ahlala rhoqo. Akumangalisi ukuba kwinxalenye enkulu yee-ertyisi, amaxabiso asekwe kwezi zimvo. Apho kwiimeko ezininzi zingenasiseko okanye ubuncinci ngokungaguquguquki. Oku kuthetha ukuba kanye njengoko izabelo zabo zinyuka ngokukhawuleza okukhulu, ngalo mzuzu la marhe angaqinisekiswanga, amaxabiso abo awela ngokwenyani. Ukuya kwinqanaba lokuba ungashiya i-euro eninzi endleleni. Axabisekile kakhulu amaxabiso okusebenza, ngakumbi ukuba awunawo amava kolu hlobo lwemisebenzi ethile.
Amaxabiso ezabelo zabo aqhutywa zezi ntlobo zezimvo kwiimarike zezemali. Into engenzekiyo, umzekelo, ngeetshiphusi eziluhlaza zesalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35. bacaphula ngolindelo zidala phakathi kwabatyali mali. Esi sesinye sezizathu eziphambili zokuba iimpendulo zabo zingaqiqi kwaphela. Apho amarhe abaluleke ngaphezu kweeakhawunti zeshishini ezithi zenziwe rhoqo ngekota yonyaka.
Amaxabiso amxinwa kakhulu
Elinye icandelo lohlalutyo lokuchaza amaxabiso abizwa ngokuba yi-chicharros kukuba awalunganga kakhulu. Kuthetha ntoni oku? Ewe, uneengxaki ezithile zokungena nokuphuma kwizikhundla zabo. Ngengqiqo yokuba bengayi kuthobela iminqweno yakho kwiimeko ezininzi. Phakathi kwezinye izizathu kuba zimbalwa kakhulu izihloko ezithengiswayo kwintengiso. Esi siphumo sinokubangela ukuba ungabinakho ukuthengisa izabelo zakho ngexabiso olifunayo kwaye ngenxa yolu phawu, unokwenza umsebenzi ombi kwiimarike ze-equity.
Kukwabanzima nangakumbi ukwamkela utyalomali lwemali ephezulu. Ukuba akunjalo, ngokuchaseneyo, kuya kufuneka wenze imisebenzi emininzi yexabiso elincinci loqoqosho ukuze bakwazi ukuziqhelanisa namaxabiso ofuna ukuthenga izabelo zabo. Kuyinto engeloncedo ongenayo kwamanye amaxabiso kuba ungangena kwaye uphume ngexesha olifunayo. Njengoko unokwenza kumaxabiso anje IBanco Santander, i-BBVA, i-Iberdrola okanye iGesi yeNdalo. Akumangalisi ukuba inani labathengi kunye nabathengisi liphantsi kakhulu kwi-ertyisi.
Azikho phantsi kohlalutyo
Kwelinye icala, ezi ntlobo zexabiso sithetha ngazo azilandelwa yi abathengisi okanye abalamli bezezimali. Ke ngoko, uya kuba nolwazi oluncinci lobuchwephesha malunga nabo ngokungabinakho ukulandelela kwindaleko yabo kwiimarike ze-equity. Kananjalo abathandi ukudibanisa iipotifoliyo zotyalo-mali ziingxowa-mali kwaye ezivumela abathengisi kuphela ukuba bajonge izikhundla zabo. Ukusuka kule meko, bacatshulwe ukuba banokusetyenziswa ngakumbi ekwenzeni amaxabiso abo. Ngezihloko ezimbalwa unokusebenzisa amaxabiso abo, ngokuguquguquka okunokufikelela kwi-10% kwimizuzu embalwa.
Ukuba ubona ukuvela kwayo kwimarike yemasheya uza kubona ukuba umthamo wayo wokurhweba awuncinci, kwezinye iimeko awubalulekanga ngokucacileyo. Esi sesinye sezizathu zamaxabiso abo ngamanye amaxesha azinakuguquka iiyure ezininzi okanye iiseshoni zokurhweba. Ukuya kwinqanaba lokuba unokuphelelwa lithemba ngokuhamba kancinci kwizikhundla zabo. Akukho namnye umdla ovela kubatyali mali abancinci nabaphakathi. Ukuqikelela kuphela kubenza ukuba bahambe ngenye indlela okanye enye.
Ukuba injongo yakho kukutyala imali kula maxabiso awodwa ukusukela ngoku, kuya kufuneka wazi ukuba liqela elithile. Apho kuyinyani ukuba unokufumana imali eninzi kwimisebenzi yakho, kodwa ikushiyele indawo ebaluleke kakhulu kutyalo-mali. Ngaphandle kwesicwangciso oza kuphakamisa kutyalo-mali. Iya kuba sisizathu esinyanzelisayo kuwe sokuba ungabi mali inzima kakhulu kwiiasethi zakho zobuqu. Akunanto, umngcipheko uphezulu kakhulu nakwezinye izinto ezikhuselekileyo kwimarike yemasheya yaseSpain. Nangona baziwa kakhulu phakathi kwabatyali mali kwigalelo ebesilichazile ngaphambili.
Nguwe kuphela oya kukwazi ukwenza isigqibo sokuba ingaba kulungile na kuwe ukuba ukhethe ii-ertyisi njengefomula yotyalo-mali. Ukuhlalutya yonke imingcipheko oya kuyibaleka ukuba ekugqibeleni ukhetha aba bameli bezabelo zaseSpain. Kungenxa yokuba ukuba awuyomtyali mali oneprofayili yokuqikelela, kuya kuba ngcono ukuyeka kwaye ujonge imisebenzi yakho kumaxabiso azinzileyo kwimarike yemasheya. Ubuncinane uya kuba noxolo kwaye uya kuba nakho ukwenza ukonga ngendlela enenzuzo ukukhusela umdla wakho. Oko kukuthi, emva kwayo yonke loo nto, imalunga nantoni.