Iziganeko ezenzekayo kwi ECatalonia bayothusa inxenye elungileyo yabasebenzisi abanemali yabo kwiibhanki zaseCatalan. Ukuza kuthi ga kwinqanaba lokutyalwa ukuba unokubeka emngciphekweni iiasethi zakho zemali. Ewe, ukuze kungabikho zialam zalo naluphi na uhlobo, akusayi kubakho khetho ngaphandle kokwahlula ngokucacileyo buyintoni ubudlelwane bakho nala maziko emali. Ukuba ungumsebenzisi nje weemveliso zabo (iiakhawunti zebhanki, iikhredithi okanye amakhadi etyala, idipozithi yekota okanye isicwangciso sepenshini) Okanye ukuba ngokuchaseneyo, unxibelelwano lwakho lusebenza kwimisebenzi yokulingana kwamanye ala maqela ezezimali.
Kuxhomekeka kwezi zinto zixabisekileyo zibalulekileyo, kuya kufuneka ukhathazeke ngaphezulu okanye ngaphantsi ukusukela ngoku. Kodwa akufuneki ulibale ukuba kwihlabathi elinobumbano, iziphumo zezi ziganeko ziya kuncitshiswa. Le yinto ekufuneka uyazi ukusukela ngoku ukuya phambili ukuze ungoyiki kwaye wenze enye into embi. Okanye utshintshe iibhanki ngokungeyomfuneko. Ukungazazi iziphumo zezi ziganeko kwiibhanki zaseCatalan. Apho abamele kakhulu IBanco Sabadell kunye neCaixabank. Kuzo zombini iimeko, zidweliswe kwisalathiso esikhethiweyo sezabelo zaseSpain.
Ngale ndlela, kunye nokuqinisekisa abathengi abaninzi ukuba la maziko emboleko anakho, kufanelekile kuwe ukuba wazi ukuba banesicwangciso sexesha likaxakeka esichazwe kwimeko apho inkululeko ibhengezwe kwiintsuku ezizayo. Le nkqubo ibandakanya ukuya kwezinye iidolophu kwiJografi yaseSpain kunye nokuqhubeka nomsebenzi wayo wezorhwebo kunye nowezemali. Kwelinye icala, ngebesekhona kule ndawo phantsi kwegunya leBhanki eNkulu yaseYurophu (ECB). Ke ubudlelwane bakho abunakuze buhlupheke nangaluphi na uhlobo lotshintsho, ngekhe ubenakho ukonga kwakho kule meko inokwenzeka.
Kuza kwenzeka ntoni kwimeko yesiCatalan?
Owona mbuzo ubuzwa rhoqo phakathi kwabathengi ngowokuba kuya kwenzeka ntoni kulondolozo lwabo. Ingakumbi kwimali egcinwe ekutshekeni iiakhawunti okanye kwiidipozithi zexesha. Ewe, ngekhe ibe ziindaba ezibalulekileyo kwaye ubuya kuqinisekisa ngalo lonke igalelo osele ulwenzile ukuza kuthi ga ngoku. Phakathi kwezinye izizathu kuba ukonga kuya kukhuselwa Ingxowa-mali yesiqinisekiso sediphozithi yaseSpain. Oko kukuthi, njengoko kwenzekile kuwe kwenye ibhanki yaseSpain, njengakwiimeko zeBBVA, iSantander, iBhanki okanye nayiphi na enye.
Kwimeko apho unetyala elityikitywe ngamaziko emali aseCatalan, njengakwindlela yokuthenga ngetyala okanye ukwenza isivumelwano senkqubo yokonga, kuya kufana ncam. Okanye uthi ngamanye amagama, umdla wakho uya kuthethelelwa kude kube sekupheleni. Ngumahluko omncinci onokuthi uveliswe ngokubhekisele kwimali etyalwe imali okanye amaxabiso enzala asetyenziswa kula maqela ezemali. Ke ngoko, akufuneki ube neziphumo ezibi kukhuseleko lokonga kwakho. Ngaphaya kovalo olusengqiqweni kwezi ntsuku.
Ibhanki yaseCatalan: umbono wotyalo mali
Enye into eyahlukileyo kukuba udlala indima yomtyali mali kwenye yezi bhanki. Kuba kule meko, ungaphulukana nemali kwizabelo, njengoko kusenzeka ngale mihla. Apho ibhanki yaseCatalan ilahleka kancinci ngaphezulu kwe-5% kwiimarike zezemali. Inkqubo enokuthi ibe mandundu ngakumbi kungekudala xa iCatalonia yohlulwe kwilizwe laseSpain. Ngale ndlela, amaziko anokufumana ubunzima kule meko imbi. Ngokwehla okunamandla nangakumbi okunokuthi kuvavanye ukwehla kweenyanga ezimbalwa ezizayo. Ngobungozi obungaphezulu kokufihlakeleyo ukuze abakhubazekileyo bafakwe ngokusisigxina kwiipotifoliyo zezokhuseleko.
Kodwa ngaphaya kwezi mpendulo zinengqiqo, akufuneki woyike imali yakho. Akunjalo nokuba ungumtyali mali omncinci nophakathi. Kungenxa yokuba ikwabonwa kwangaphambili ukuba kwixesha eliphakathi nelide baya kulifumana kwakhona ixabiso labo. Ngale ndlela, kwaye ebusweni babatyali mali abanoburhalarhume, inokuqwalaselwa njenge ithuba lokuthenga ixesha elide. Ngesizathu esikholisayo kwaye kukuba unokuthenga izabelo zabo phantsi kwezaphulelo ezinzima, ezingayi kuba nanto yakwenza neziphumo zokwenyani zale nkampani. Kodwa ngenxa yezinto ezingaqhelekanga kuqoqosho ngokwalo.
Impembelelo kwintengiso yesitokhwe
Akunakulindeleka ukuba neengozi zentengiso eyomeleleyo ukuba le meko ixhalabisayo izalisekisiwe. Ngaphandle kwezilungiso ezinamandla kwikoteyishini yamaxabiso ayo. Kuyinyani ukuba kwixesha elifutshane kunokukwenzakalisa ngamandla amakhulu kwaye yinto ekufanele ukuba uyilindele ukusukela ngoku. Ukuthintela ezi meko, esona sicwangciso silungileyo sotyalo-mali ngokuyimfuneko kubandakanya ukuyeka ukuthatha isikhundla kwezi zikhuseleko. Naliphi na ibhanki edwelisiweyo yaseCatalan inokuxhomekeka kwi imisebenzi yomthengisi. Okanye nangobundlongondlongo obukhulu kunye nokungabikho kwezi ntshukumo ziyingozi ngeli xesha.
Kwimeko nayiphi na into, enye into yolwazi lwethemba lilele kwinto yokuba emva kokubanjwa kwesimangalo, izabelo zikaSabadell kunye noCaixabak azange ziwe kakhulu njengoko kwaxelwa kwangaphambili ziingcali ezithile kwiimarike zezabelo. Ukuya kuthi ga ngoku kwindlela yokuziphatha kwezabelo zeCaixbank Ndithetha inyani ukuza kuthi ga ngoku kulo nyaka. Akunakulityalwa ukuba lelona xabiso lilungileyo lika-2017 labo badweliswe kwisalathiso sikazwelonke esikhethiweyo. Ngaphezulu kwamanye amaziko emali kwinqanaba likarhulumente. Ngelixa izikhundla zikaBanco Sabadell zehle ngexabiso ngaphezulu kwe-5% ngeli xesha. Kodwa izizathu ezingahambelani nenkqubo yokusa kude iCatalonia kwisakhelo samaziko esizwe.
Kuthekani ukuba banemali entsha?
Ukuba le meko igqityiwe, enye yeempembelelo eziphambili iya kuba kukudala imali entsha eCatalonia. Ukuba oku bekuyinyani, bekuya kubakho inyani engenakuphikwa enokuthi iguqulele ekuthotyweni ngamandla kwayo. Inokuba nefuthe lini kubasebenzisi? Ewe, ilula kakhulu, yokonga abathengi baya kuhla kwaye ke ixabiso lalo lingaphantsi kunangoku. Zombini malunga nokuhlawulwa kwemali kwii-akhawunti ezikhoyo okanye zokonga. Kodwa nakwiminikelo yemali ebekwe kwiidipozithi zexesha okanye amanqaku ezithembiso zebhanki.
Kwaye akunakugwetywa ngaphandle kokubizwa ngokuba yi-corralito, ineengxaki zayo khupha imali yamaziko etyala, omabini amasebe ebhanki okanye iiATM. Esinye isiphumo esinokubangela ukubhabha kwenkunzi enkulu ukuya kwezinye iindawo ezikhuselekileyo. Kodwa nangayiphi na imeko, zonke ezi ziphumo ziya kwenzeka kwezona meko zimbi zento enokwenzeka eCatalonia. Nangona iyinxalenye yohlalutyo olupheleleyo ngakumbi apho zonke iimeko ezinokuthi zithathelwe ingqalelo. Ukuze abatyali mali bathathe isigqibo sokugcina iiasethi zabo.
Iziphumo kwiSpain iphela
Iziphumo zezi ziganeko kumhlaba wesizwe ngekhe zibukhali njengaseCatalonia. Eyona nto yayo ibaluleke kakhulu kukuhla okubonakalayo kwiimarike zamashishini ezemali zasekhaya. Ngokuhla kwexabiso kuninzi lwezindululo zentengiso yesitokhwe, ngakumbi kumaqela ezemali. Enye ipharamitha ekufuneka ithathele ingqalelo kukuvela kwepremiyamu yomngcipheko. Kule meko, inokuchaphazeleka kwaye nokuba Ndwendwela amanqanaba eendawo ezingama-200 okanye uye kumanqanaba ayingozi ngakumbi. Enye yezona zinto zonakalisayo kuqoqosho lwaseSpain.
Apho imeko yeemvakalelo yeyona meko imbi inokwenzeka ngale meko intsha kwimeko yezopolitiko eSpain. Apho, ewe, amathuba oshishino aya kwenziwa kwiimarike zezemali. Ayisiyiyo kuphela kwii-equity. Kodwa kunye neemveliso ezahlukeneyo zezemali kunye nokukhetha iiasethi zemali ezisebenza njengendawo ekhuselekileyo kwezona meko zingazinzanga. Ngale ndlela, awuzukukhetha ngaphandle koku unemali ethile ukuthatha ithuba lokuthenga okuza kuvela ngoku.
Ukunciphisa utyalo-mali kwimarike yemasheya
Nangona kunjalo, kungcono ukunciphisa ukubonakaliswa kwakho kwiimarike zezabelo. Okanye ubuncinci bathathe izikhundla kumaxabiso azinzileyo kwimarike yemasheya kwaye ukuba basebenza njengexabiso elikhuselekileyo, kungcono ngakumbi ukukhusela umdla wakho kutyalo-mali. Kuba ungathandabuzi oko ukungazinzi kuya kubuya umva kwaye mhlawumbi ukuhlala ixesha elide kwiimarike zesizwe. Ngale ndlela, ukhetho olulungileyo lotyalo-mali lunokusekwa ekuqeshweni kwengxowa mali yotyalo-mali kwezi mpawu. Apho kuwo onke amathuba uya kufumana imali eninzi ukuba ipanorama eSpain iyashushu.
Yimeko engenakuthelekiswa nanto kwilizwe lethu kwaye kufuneka ulumke kakhulu xa usenza naluphi na uhlobo lokuhamba. Kukhethwa ukuba ulinde iiveki ezimbalwa de ube umfanekiso ucacisa enye indlela okanye enye. Ayothusi into yokuba ibhalansi yeakhawunti yakho yokonga iyakuxabisa kakhulu.