Yenye yeeparameter zoqoqosho ezilandelwa kakhulu ngabatyali mali kodwa bahlala bengazi ngentsingiselo yayo kunye neziphumo zayo kwicandelo lotyalo mali. Ayothusi into yokuba inika ubunzima obenza kube nzima ukutolika. Nangona kunjalo, ukuba uyayazi indlela yokuqonda into iba yinto idatha efanelekileyo kakhulu kuba ibonelela ngamanye okanye amanye amanqaku malunga nendlela ehamba ngayo kwiimarike zezemali. Ayisiyiyo kuphela ngokubhekisele kwingeniso esisigxina, kodwa ikwaguquguqukayo kunye nezinye izixhobo zemali. Ngesi sizathu kubaluleke kakhulu ukuba uyazi ukusukela ngoku ukuba iyintoni kanye intsingiselo yayo.
Okwangoku, ipremiyamu yomngcipheko yimbuyekezo eyongezelelweyo enikezelwa ngotyalo-mali kumsebenzisi ngokusekwe emngciphekweni ekufuneka bewenzile ngawo onke amaxesha. Ewe, i-premium yomngcipheko eSpain okwangoku phantse amanqaku angama-80. Ithetha ntoni le nto? Ewe, into elula njengaleyo ngumahluko phakathi kwetyala laseSpain nelaseJamani. Kutheni ngokuchanekileyo iTeutonic? Ewe, kuba yeyona inikezela ukhuseleko olukhulu kubatyali mali. Ukongeza, inenqanaba lokuthenga ngetyala elilelona likhuphisana kuzo zonke. Kwaye ngenxa yesi sizathu isebenza njengendawo ekubhekiswa kuyo kuwo onke amazwe aseYurophu. Ukuya kwinqanaba lokumela eyona datha inamandla kuqoqosho lwamanye amazwe.
Ngenxa yezi zibalo, amanqaku angama-80 amelwe, okuyi-premium yomngcipheko eSpain okwangoku. Kuba ngokusebenza, umlinganiso ngumdibaniso weminyaka eli-10 waseJamani, othengisayo ngoku malunga ne-0,50%. Ngelixa ngokuchaseneyo, ibhondi yaseSpain ikhula ngokufanayo uku-1,30%. Ukuba ubala ngokungqongqo, uya kufikelela kwisigqibo sokuba ipremiyamu yomngcipheko ngeli xesha zizinto zikhankanyiweyo ezingama-80. Njengoko sele ubonile, ayisiyonto inzima ukuyicacisa kwaye endaweni yoko inokunceda kakhulu ekuphuhliseni nasiphi na isicwangciso sotyalo-mali.
Amanqanaba omngcipheko kwilizwe
Enye into ekufuneka uyivavanye ukusukela ngoku ngumngcipheko omele ukuwuthatha xa usenza imisebenzi. Kuba ukuba ipremiyamu yomngcipheko ibonakaliswa yinto ethile, kungenxa yokuba iyifumana ngokukhawuleza. Akumangalisi ukuba, ukuphakama kwenqanaba lomngcipheko, kokukhona inyusa imali yomngcipheko efunekayo. Ngale ndlela, kwanele ukukhumbula ukuba kwelona xesha libi lengxaki yezoqoqosho eSpain, ipremiyamu yomngcipheko yafakwa kuluhlu olungashukumiyo phakathi kwamanqaku angama-300 nama-500. Oko kukuthi, yayiphezulu kakhulu kwaye uqoqosho lwesizwe lwalungenachaphaza kwaye lubonakalisa ngokuthe ngqo kwiimarike zezemali, zazo zonke iintlobo kunye neemeko.
Ngomngcipheko omkhulu kangaka, iimarike zezemali ze ngeniso ekhoyo benza phantsi. Phakathi kwezinye izizathu kuba akukho ntembeko kuqoqosho lwelizwe. Ngayo imarike yemasheya engayeki ukuwa kunye nokuwa, nokuba ifikelele kumanqanaba asezantsi, njengoko kuye kwenzeka kwiminyaka eyadlulayo ngeyona nto iphambili indices zesitokhwe abemi. Ngale ndlela, ukuba ipremiyamu yomngcipheko inyuke kakhulu, iya kuba sisizathu esifanelekileyo sokuyeka nayiphi na imisebenzi kwintengiso yesitokhwe. Kuba ngayo yonke into ngokuqinisekileyo ukuba ixabiso lezenzo zabo liya kuhla kakhulu. Oko kukuthi, unazo zonke iibhaloti zokushiya ii-euro ezininzi endleleni.
Umngcipheko ophantsi
Ngokuchasene noko, ipremiyamu yomngcipheko ophantsi, okanye ubuncinci iyanyamezeleka, engaphantsi kwamanqaku esiseko ayi-100 ngumqondiso ocacileyo wokuthembela kwizabelo zaseSpain. Olu luvo luyaqhubeka ngenxa yokuba kuninzi ukuzithemba kuqoqosho lwaseSpain. Ngapha koko, uyabona ukuba ngalo lonke ixesha ipremiyamu yomngcipheko ophantsi ihamba kunye kunyuka kwiimarike zokulingana. Kwaye ngokuchaseneyo, xa iphakama isiphumo sichasene. Ngamanye amagama, izabelo kwimarike yemasheya yehlile. Liqhinga elincinci ke eli onokulisebenzisa ukwenza ukonga kunenzuzo ukusukela ngoku. Ngaphezulu kwezinye iindlela zokutyala, nokuba ziyanelisa ngokupheleleyo kwiminqweno yakho.
Nangona sithetha ngoqoqosho lwaseSpain, lunokusetyenziswa ngokugqibeleleyo kwelinye ilizwe kwimeko yethu yangoku. Nangona, ewe, baya kuba nepremiyamu eyahlukileyo kuneyethu. Njengakwimeko ezithile zase-Itali, eFrance, Holland okanye ePortugal, phakathi kwezinye zezona zichaphazelekayo. Ngayiphi na imeko, sisiqwenga solwazi esithengiswa yonke imihla kwiimarike zezemali. Njengamaxabiso ezemali, ngokuhla nokutshintsha kwemihla ngemihla okunokunika isikhokelo esingaqhelekanga malunga nokuba yeyiphi na imeko ye-equity. ityala likawonkewonke. Ngesi sizathu, akukho lula ukunciphisa le datha ekubonelela ngayo kuqoqosho lwamanye amazwe.
Impembelelo kumvuzo osisigxina
Kuyinyani ukuba iziphumo zepremiyamu yomngcipheko zibonakaliswe ngaphezu kwako konke kumvuzo omiselweyo. Kwaye ngakumbi kwiibhondi zaseSpain ezinefuthe kwizigqibo oza kuzenza ukusukela ngoku. Kwimeko apho i-premium yomngcipheko iphakathi kakhulu, iya kuba ngumqondiso wokuba lixesha lokuba thenga ityala elisecaleni kwaye phantsi kweziphi iimeko. Kwaye kwicala elichaseneyo ziintshukumo ezahlukeneyo. Njengoko uza kubona, icebo lotyalo-mali ekufuneka ulisebenzisile lilula kakhulu kwaye alizukubonelela ngeengxaki ezigqithileyo kulungelelwaniso lwalo.
Ikwachaphazela nengxowa mali yotyalo mali kuba iibhanti zepheriphersi zibuthathaka ngakumbi kwezi zenzo. Akumangalisi ukuba olu didi lweemveliso zezemali zinxibelelene ngokusondeleyo nokuvela kwe-premium ebizwa ngokuba ngumngcipheko. Ngale ndlela, enye yeemveliso ezichaphazeleka kakhulu kukunyuka okugqithileyo kwipremiyamu yomngcipheko mali mali ngokusekwe kwimixokelelwane yemida. Ngenxa yezizathu ezichazwe apha ngasentla kwaye uya kuqonda ngamandla aphezulu. Kodwa imali yotyalo-mali ayisiyiyo kuphela echaphazelekayo koku kuchaphazeleka ngokukodwa kwezoqoqosho.
Ezinye iimveliso zebhanki
Kwelinye icala, ipremiyamu yomngcipheko ikwachaphazela inzuzo enikezelwa ziimveliso zebhanki ezahlukeneyo (ixesha ledipozithi, amanqaku ezithembiso zebhanki okanye iiakhawunti ezihlawula kakhulu). Ngengqiqo, ukuba wena nikela ngaphezulu okanye ngaphantsi kwenzala ngokusekwe kule nguqulelo yezoqoqosho. Ayimangalisi loo nto, kuba amaziko emboleko anezinto ezinkulu zokuzixhasa kwiimarike, akusayi kubakho mfuneko yokuba babhenele kwezi mveliso ukungenisa imali ebantwini. Kwaye le ntshukumo idluliselwe kwezi mveliso apho inzuzo yabo iya kuncipha kakhulu.
Ipremiyamu engaphantsi okanye engaphantsi komngcipheko iya kuba yinto enomdla kakhulu kwimidla yakho kuba uya kuba nakho ukufumana inzala eninzi yokhuphiswano kunakuqala. Kwaye efanayo kwicala elichaseneyo, njengoko kusengqiqweni ukuqonda. Ngesi sizathu, kubaluleke kakhulu ukuba uyazi ukuba lo mahluko awuphelelanga kwintengiso ethile yezemali. Ukuba akunjalo, ekugqibeleni iphela ichaphazela wonke umntu. Kuba imalunga nokulinganisa ukuthembeka kwelizwe. Ngamanye amagama, ukuba umahluko eSpain ngamanqaku angama-50 kuphela, iya kuba luphawu lokuba kukho ukuzithemba kuqoqosho lwaseSpain. Kwaye lixesha lokutyala imali kwilizwe lonke ngaphezulu kwayo yonke enye into.
Iluchaphazela njani ulondolozo?
Enye into ekufuneka uyiqwalasele yindlela i-premium yomngcipheko echaphazela ngayo ingxowa-mali yakho. Ngale ndlela, awungekhe ulibale ukuba iprimiyy yokunyuka komngcipheko, ngokubanzi ayivelisi nzuzo kwiindawo zokugcina. Ngokuchasene noko, iimveliso zezezimali ezisekwe kuguquguquko kwaye zibandakanyiwe kwingxowa mali yotyalo-mali, iimali ezithengiswa ngemali kunye nakwinto ekuthiwa kukuthengisa ngetyala kunokuba luncedo. Zonke ziya kuxhamla kule meko ikhethekileyo. Kwaye awungekhe ulibale ukuba ipremiyamu ephezulu kakhulu yomngcipheko ibandakanya amathuba oshishino okwenyani ekufuneka uwafumene ukusukela ngoku.
Ngayiphi na imeko, uya kuba nokucaca kancinci ukuba yeyiphi imeko apho ipremiyamu yomngcipheko ihamba khona. Ukuze ngale ndlela wenze iaseti yakho yobuqu okanye yosapho ibe yinzuzo kuxhomekeka kwimeko eyenziweyo ngawo onke amaxesha. Kodwa ngaphezulu kwako konke malunga nento ongafanele uyenze xa lo mahluko wezoqoqosho ungaphezulu kwe- eyona mida iyingozi kwixabiso lakho. Nguwuphi owona mngcipheko mkhulu otyalwa kuwo abatyali mali abancinci nabaphakathi. Kodwa ke uya kuba nakho ukubangqonga ngesicwangciso esiliqili nesilungeleleneyo sotyalo-mali, esiya kuthi ekupheleni kosuku sibe yintoni ngamaxesha anzima kangaka.
Okokugqibela, kufanele ukuba kuqatshelwe ukuba ipremiyamu yomngcipheko iyahluka mihla le kwaye awuyi kuba nanyanzelo kodwa ukuba unake kakhulu ukujonga ukuvela kwayo kwiimarike zezemali. Kuba kwinqanaba elithile imali oyigcinileyo ukuza kuthi ga ngoku izakuxhomekeka kweli nyathelo. Ukukunika imikhondo engakumbi malunga nokuba wenze ntoni kunokuba ubucinga ekuqaleni. Ngesixhobo kwezigqibo zakho ezingaphezulu kokumangalisayo kulo naliphi na inqaku lomkhondo. Nokuba yeyiphi na iprofayili yomtyali mali oyivezayo ngamaxesha onke.