Okwangoku iimali mboleko zisetyenziswa ngokubanzi ngabasebenzisi abaninzi, kuba njengoko inkqubela phambili yetekhnoloji, amandla alula Faka isicelo kwaye ugunyaze imali mboleko phantse nabani na. Nangona kunjalo, nangona ithandwa kangaka, iimali mboleko azikaziwa kubasebenzisi abaninzi, ngakumbi kwicandelo lemigaqo okanye umthetho, kwaye elinye lamagama ekufuneka lisenze umdla, kwaye elihlala lihamba lingaqwalaselwa inzala esemthethweni yemali, kodwa ngaphambi kokuliqonda eli gama kufuneka siqonde oku kulandelayo.
Xa sifaka isicelo semali mboleko Siyavumelana nombolekisi okanye iziko lemali ixesha ekufuneka sihlawule ngalo amatyala ethu; ukongeza koko kuchaziwe inzala esetyenziswa kwimali mboleko yesiseko, Lo mdla unokuba lula okanye udibanise, kunye kunye unako ukutshintsha ixesha lokudibanisa apho kufuneka sihlawule khona amatyala ethu.
Kwaye ngoku ukuza kuthi ga ngoku yonke into ibonakala ifezekile, kukho iimeko ezenzeka kubomi bokwenyani kwaye ezingasoloko zilawulwa, enye yezi meko kukulibaziseka kwintlawulo ethile yamatyala ethu.
Kukho iimeko ezimbini eziphathekayo, xa sifike emva kwexesha kwintlawulo enye ukuhlawula ityala, njengoko kunjalo ngemicroreditithi apho umbolekisi ucela ukuhlawulwa kwemali-mboleko ngentlawulo enye, ngesiqhelo kwisithuba senyanga yokugunyaziswa kwemali-mboleko. Imeko yesibini kuxa sifike emva kwexesha kwintlawulo efanayo, umzekelo, ukuba intlawulo yethu kufuneka yenziwe ngomhla wesibini kwinyanga nganye kwaye ngenyanga ka-Agasti sifike kade, singakwazi ukuhlawula imali ehambelana nayo ngaloo nyanga.
Omnye umba ekufuneka siwazi ngaphambi kokuba sichaze esona sihloko siphambili kweli nqaku ukulibaziseka, eli gama elisemthethweni lisetyenziselwa ukuchaza ukusilela ukuhlawula ngexesha ekuvunyelwene ngalo ngenxa yokungakhathali, oko kuthetha ukuba ukulibaziseka kwenziwa ngabom.
Oku kubalulekile ukuba kugcinwe engqondweni kuba inzala esemthethweni yemali Isebenza kuphela xa umntu ekufuneka ehlawule ityala elityala; Ngamanye amagama, ukuba isizathu sokuba ungakwazanga ukwenza intlawulo yayiyimeko engaphaya kwamandla akho, isohlwayo singahluka.
Inqaku lokugqibela lokuba kufuneka siqonde ngokucacileyo ngaphambi kokungena ngokupheleleyo isigqibo somdla osemthethweni wemali kukuba imali-mboleko esiyicelayo sisivumelwano okanye isivumelwano phakathi kombolekisi nomsebenzisi; Kwaye nakweyiphi na ikhontrakthi, omabini amaqela ayavuma ukwenza amanye amagatya, kwaye kwimeko apho singayithobeliyo, kukho amagatya apho kukho isohlwayo sokungathobeli. Oku kuthetha ukuba ukuba siyazibophelela ekuhlawuleni ngomhla wesibini kwaye singenzi njalo, iziko lezemali linokwenza isohlwayo.
Inzala esemthethweni yemali
Isohlwayo olawulwa ngu Ukuhlawulwa kade kuvunyelwene ngokubanzi ngentlawulo yemali yesixa esithile. Ezi ntlawulo zongezelelweyo kwimali yethu eseleyo ekufuneka ihlawulwe inokuba sisizathu sokuba amaziko emali aphathe gadalala ngendlela yokuba kuhlawulwe izixa ezikhulu, ukuze kulawulwe le meko urhulumente akhuphe umdla wezomthetho wale mali.
Nje ukuba siqonde ukuba yintoni ikhontrakthi, imali mboleko, ukulibaziseka, kunye nentlawulelo eyongezelelweyo, singasifaka ngokupheleleyo isigqibo se inzala esemthethweni ixesha lemali. Oku kungachazwa njengesixa semali esisikelwe ngokusemthethweni ngurhulumente, ukuze sikwazi ukubala ngendlela efanelekileyo isixa ekufuneka sihlawulwe njengembuyekezo yokwenza intlawulo kade.
Kuyinyani ukuba urhulumente umisele i umgangatho wenzala yonyaka Oku kuyakusebenza kumatyala apho kulibazisekile ekuhlawuleni, kodwa ke into ebaluleke kakhulu ukuba iqwalaselwe kukuba eli zinga lenzala lisebenza kuphela ukuba akukho sivumelwano apho umsebenzisi wemali mboleko avumayo ukwenza iintlawulo ezongezelelweyo ngokusekwe kumyinge wenzala owahlukileyo.
Kungenxa yoku kungasentla kubaluleke kakhulu ukuba njengabasebenzisi bemali mboleko siphinde siyiqwalasele ikhontrakthi kakuhle ekukhangeleni imigaqo ethile kulo mbandela, kuba kwimeko apho siyavuma ukuba intlawulelo yenziwe ngenye indlela ngaphandle inzala esemthethweni yemali, emva koko ireyithi inokunyuka kakhulu.
Nangona kunjalo, zininzi iimeko apho, kwimeko apho kungekho qela livumelekileyo kwinzala ethile kwimeko yokulibaziseka, umthetho umisela isixa ekufuneka sihlawulwe. Ngamanye amaxesha kukho imigaqo ekhethekileyo kwimicimbi ethile, ke kubalulekile ukuba uyiqwalasele le mithetho ukuze ukwazi ukuyichaza ngokuchanekileyo imali eza kugutyungelwa. Inombolo yenqaku 1108 yeKhowudi yoLuntu ujongene nokulawula le micimbi.
Omnye umba ekufuneka siwuqwalasele kukuba this inzala iyasebenza kwimali etyaliweyo, Ke ngoko, intlawulo iphelele iya kuba ilingana nentlawulo ehambelana nexesha elichaziweyo kunye nentlawulo yokulibaziseka. Ke ngoko, intlawulo eza kuhlawulwa ilingana nesixa semali yetyala kunye nesixa esongeziweyo njengentlawulo eyongezelelweyo.
Umthetho wangoku
Into ekufuneka icacisiwe yeyokuba kungoku ngubani olawula oku Umyinge wenzala yibhanki yaseSpain ngokuzimeleyo, nangona iphantsi kolawulo lukarhulumente waseSpain, liziko elahlukileyo.
Oku kubalulekile kuba inzala esemthethweni yemali ekuqaleni kwayo ukuba yayilawulwa ngokupheleleyo ngurhulumente, Oko kukuthi, icandelo elisemthethweni, ukuze ulawulo lwayo luchazwe ngumthetho.
Kude kwangoDisemba 30, 1997 ukuba kukho naliphi na ikhonkco phakathi kwe inzala esemthethweni yemali ngenqanaba lenzala elisisiseko iyalelwa yibhanki yaseSpain. Ngale ndlela, ubudlelwane obabukho phakathi kwenqanaba lenzala eliyalelwe ibhanki kunye nomdla osemthethweni wemali.
Oku kwakubaluleke kakhulu kuba ngo-2011 nango-2012 ityala loluntu laseSpain ladubula laziwa kakhulu, ngenxa yoku iimarike zezimali zonyusa ixabiso lazo ngendlela efanayo.
Kodwa enkosi ekupheliseni ubudlelwane phakathi kokuthethwa inzala inzala esemthethweni kwimali Ayibonisanga naluphi na ukonyuka okubonakalayo, obekuya kwenzeka ukuba ibingaqwalaselwanga.
Ityala elikhethekileyo
Inqaku elinomdla elinembali malunga nomthetho kulo mbandela kukuba kukhuseleko lwaseSpain lwaseMorocco kwakukho umthetho ozimeleyo opheleleyo kulo lonke elaseSpain.
Kule ndawo inzala ibibekwe kwi-6% ngonyaka, kodwa ndikwanciphisa amathuba okuba abo babandakanyekayo basebenzise isivumelwano apho kwathiwa i-iteres ingaphezulu kwe-12%, ke nokuba nokuba omabini la maqela asityikityile na isivumelwano, ukuba ireyithi ekuvunyelwene ngayo ibiphezulu kune-12%, oku kuya kupheliswa ngumthetho.
Utshintsho lokugqibela kulo mthetho lwalungo-1946, apho inzala yezomthetho ibekwe kwi-4%. Emva koko, kwakamsinya nje xa umkhuseli waseMorocco wayeka ukuba nonyango olukhethekileyo kwaye wawiswa ngumthetho ofanayo owawusebenza kulo lonke elaseSpain.
Inzala kulibaziseko lwerhafu kunye nokulibaziseka kwezorhwebo
Kukho Iindidi ezimbini zenzala yokuhlawula kade, irhafu kunye nentengiso. Zombini zinezizathu ezahlukeneyo zokuba zikho kwaye ke iimeko ezohlukileyo ekuhlawulweni komntu kumbolekisi; ukuze siziqonde ngcono, masihlalutye sobabini ngokuzimeleyo.
Ukuqala nge inzala emiselweyo, isixa esisekwe kwimisebenzi ebandakanya abantu, iinkampani kunye namaqumrhu oluntu. Eli nqanaba lenzala lihambelana ngqo ne-arhente yerhafu, kwaye sisibonelelo esilinganayo esifunekayo njengentlawulo kubarhafi.
Ngendlela elula sinokuchaza ukuba le yintlawulo ekufuneka siyenzile kwiarhente yerhafu ngenxa yokuqokelelwa kwemali ngenxa yokulibaziseka kwentlawulo yetyala.
Ngoku, Inzala yokuhlawula emva kwexesha Inkqubo yezomthetho ilawulwa, eyayilawulwa yiPalamente yaseYurophu kunye neBhunga. Oku kulawula imicimbi ekubandakanywa kuyo imisebenzi phakathi kweenkampani, ukuze kungabikho mntu ubandakanyekayo. Ikwalawula iimeko apho ukubandakanyeka kulawulo lukarhulumente. Lo mbandela unobunzulu obukhulu kuyo yonke imimiselo yawo.
Masiqale ngento yokuba ixesha lokuhlawula likhawulelwe kwisithuba seentsuku ezingama-60, kwaye oku akunakwandiswa naphantsi kwazo naziphi na iimeko. Ukongeza kwinto yokuba ixesha elicinga ngeentsuku ezingama-60 aliqali xa kufunyenwe i-invoyisi, kodwa kukufunyanwa kweempahla okanye kwezinto.
Eminye imiba elawulwayo kukuqokelelwa kwee-invoyisi ukuze kwenziwe intlawulo enye phakathi kwabanye. Kule meko, ukuthengiselana ikakhulu kusekwe kuxanduva lomthengi lokuhlawula ukuthenga okwenziwe kwenye inkampani.
Ukuthathela ingqalelo konke oku kubaluleke kakhulu, nangona kusoloko kungcono ukuba ungagqithi kumaxesha okuhlawula.