Izabelo ezithandwayo zeBanco ziye zehla kwiimarike zokulingana Phambi kokubhengezwa kolonyuso lwenkunzi, kunye noloyiko- kunokuba njani kuncinci- kubambe abatyali mali abaninzi abayiqondayo into yokuba sele belahlekelwe yimali eninzi iindawo ezivulekileyo kweli ziko lemali. Umbuzo abanye babo ngoku abawenzayo kukuba mabenze ntoni ngezabelo zabo, bazigcine, okanye ngokuchaseneyo bazithengise kwintengiso kwaneendleko zokuphulukana nenxalenye elungileyo yezinto zabo abazityaliweyo.
Kule meko, akukho kunqongophala kwabatyali zimali abanesimo esibonakalayo ngakumbi ababukele ukuvela kwayo kwimeko apho baqwalasele khona ukuthatha izikhundla ebusweni bamaxabiso asezantsi iboniswe liziko lezemali elikhokelwe ngu-Ángel Ron. Ingxaki enzima, nangayiphi na imeko, kwaba batyali mali bazi kakuhle yonke into eyenzekayo kweli xabiso lezabelo. Kwaye nokuba ingakhokelela kwiintshukumo ezinkulu ngequbuliso, ngenye indlela okanye enye.
Ukuqala, akukho nto ngaphandle kokubonisa ukuba izenzo zakho yehle ngamaxabiso engekho ngaphantsi kwe-30% kwiiseshoni ezimbalwa zokurhweba. Kunqabile ukuba intshukumo yobunzulu obunjalo ibonwe isihla, ngakumbi ngomnye wobunzima obuthile beemarike zestokhwe zaseSpain. Iphuhliswe ngobugqwetha obukhulu, kwaye kwezinye iimeko ithathwa njengengalinganiyo ziingcali ezithile kwiimarike zezemali.
Ixabiso lentengoBanco Banco ngaphakathi Euro ishati ukususela ekuqaleni kokuthengisa.
Emva kokuwa kwayo kwii-equities zesizwe, ixabiso lezabelo zalo lijikeleze i-1,60 euro. Ngokusebenza okungalunganga ukuza kuthi ga ngoku kulo nyaka we-48%. Oku kuthetha ukuba abatyali mali abancinci ababethathe izikhundla ngaphambi kokuqala kwalo nyaka balahlekelwe sisiqingatha semali abayigcinileyo. Akusekho okungaphantsi. Yiyo loo nto iinkxalabo abanazo ngeli xesha libhekisele kwikamva lenkampani edwelisiweyo.
Ngaphandle kwayo yonke into, izabelo zayo bezisoloko zihamba ixesha elide phantsi kwe-downtrend ecace gca, eyayinganqweneleki kwaphela ukuthatha isikhundla kwixabiso. Kwaye emva kokuwa okunzulu kwezi veki zidlulileyo kuyomeleze kakhulu. Akunanto, wophule uninzi lweenkxaso ezibaluleke ngokukodwa. Ukuza kuthi ga kwinqanaba lokuba kunzima kakhulu ukufumana indawo yokungena, njengoko kuphawuliwe ngabahlalutyi bezentengiso abadumileyo ngeentsuku zokugqibela zokuthengisa.
Ngayiphi na imeko, izabelo ezithandwayo zeBanco ziphakathi kwezona zincinci zinconyelweyo ukuba zithengwe ngoku kwicandelo lebhanki. Apho kukho ezinye iindlela ezinomvuzo, apho kukho amathuba amakhulu okwenza ulondolozo ngempumelelo lube yinzuzo. Nokuba kwahlulwe, kunye nolwabiwo lwekota lwale ntlawulo kumnini zabelo.
Kwenzeka ntoni kwicandelo lokugcina imali?
Iingxaki zeBanco Popular zinokugqithiselwa kwamanye amaqela ezemali athengisa ngokulingana. Zithathwe kwinzuzo esezantsi kwiiakhawunti zabo zeshishini ezichaphazela icandelo liphela ngokubanzi. Izibonelelo zalo ziphantsi kunezinye iindlela zokuzilolonga, kwaye iyabonakaliswa kwixabiso lezabelo zayo. Ukuya kwinqanaba lokuba isalathiso semali eSpain sigcine indaleko embi kwimarike yemasheya kunaleyo inikezelwa yimarike yemasheya eseleyo. Ukungaqiniseki malunga nemodeli yayo yeshishini sesinye sezizathu zokuba kutheni abatyali mali, bobabini abathengisi kunye nemali enkulu, bengazithembi izindululo zayo.
Ixabiso elincinci lemali yi-European Central Bank (ECB), kwaye oko kuye kwakhokelela inzala esezantsi kwimbali eyi-0%, isembindini wale lahleko kwimida yorhwebo yeebhanki zaseSpain. Bacinga nokuhlawulisa abathengi ngenxa yemisebenzi ephambili yebhanki, njengoko abasemagunyeni abaphezulu beebhanki eziphambili zaseSpain belumkisile: i-BBVA kunye ne-Santander.
Ngayiphi na imeko, lelinye lawona macandelo anokulindela ukukhula okuncinci, ubuncinci kwizabelo. Kwaye oko kutyhilwe kwisiphumo sokulandelayo ireferendamu yokuphuma kweBritane kwi-European Union eya kuba nge-26 kaJuni. Ukuba uBrexit uphumelele ukuba aphumelele, akukho mathandabuzo malunga nokuwa okukhulu okunokuthi wonke icandelo lebhanki libe nalo xa lilonke. Kwaye, ngokuchaseneyo, oku bekungenjalo, kunokubangela ukubuyiswa okuthile kwiimarike zezemali. Okanye ubuncinci bounce obunokuthi buzuze kwizikhundla ezinde zabatyali mali abancinci.
Ukusuka kweli nqanaba, bambalwa abahlalutyi abancomela izikhundla zokuvula, kwaye ewe, ubuncinci linda kude kube le ngxaki enabemi baseNgesi abanayo malunga nokuba bangabawo na amaziko oluntu asonjululwe. Kude kube sekupheleni kwale nyanga, kuya kuba ngcono ukuba ulibale kancinci malunga nexabiso labo, kwaye ujonge kwezo zinokuzivelela kakuhle kwimarike yemasheya. Abanye babo, abanomdla othembisayo, bathanda ukufumana i-euro ezimbalwa ekusebenzeni kwabo.
Ukuqala kokunyuswa kwemali eyinkunzi
Esinye sezizathu eziphambili zokulahleka kweBanco Popular kwimarike yemasheya kungenxa yokuba ibhanki ibhengeze ukonyuka kwemali eyinkunzi, ethathe inxenye enkulu yabatyali mali ngaphandle komdlalo. Lo msebenzi uza kwenziwa kwi-2.500 yezigidi ze-euro, kwaye iya kusebenza ukucoca inkampani. Nangona kunjalo, umbono wokuba ngumzabalazo wokuzikhusela kwimisebenzi yequmrhu yezinye iibhanki uya usiba namandla kule mihla idlulileyo.
Umngcipheko we ubunzima kwi-OPA kwicala lokhuphiswano ikwimvelaphi yesi sigqibo sikhulu semali. Abantu abazama ukuvula izikhundla ngamalungelo banokufumana izibonelelo ezibonakalayo, kodwa umngcipheko ungaphaya kokufihlakeleyo. Ngale ndlela, uluvo lwabameli abaphambili bezemali lwahlulwe, phakathi kwabo bafumana oku kungena ebhankini kunomdla, kunye nabo bakhetha ukungalingwa sesi sicwangciso sotyalo-mali.
Izabelo ezithandwayo zeBanco zisaza kuba neentsuku ezimbalwa zokubhalisa izabelo ezitsha ebhankini, ukusukela oko Kude kube nge-11 kaJuni, baya kuba nakho ukusebenzisa ilungelo labo lokubhalisela kwangaphambili ukuya kuzonyuso lwenkunzi kwi-2.505 yezigidi zeerandi eziphakanyiswe liziko okanye, ukuba bayathanda, bathengise amalungelo abo. Bonke baya kuba nexabiso le-0,50 euro. Ngayiphi na imeko, izabelo ezitsha ziya kuba neprayim yokukhupha iyunithi yee-euro ezingama-0,75, oko kuthetha ukuba inqanaba lokukhutshwa kwesabelo ngasinye esitsha liya kuba yi-1,25 euro.
Akukho kuncitshiswa kukalisho lwakho
Ezi ndaba, ezizalise abatyali zimali abancinci nabaphakathi ngenkxalabo, khange zibe neziphumo ezifanayo phakathi kweearhente eziphambili, ezigqibe kwelokuba zigcine inqaku lazo emva kokubhengezwa kokunyuswa kwemali eyinkunzi. Inyaniso, akukho tshintsho kuyo, nangona belumkisa ukuba bazakuyibhenca xa kunokubakho iindaba kuphuhliso lweshishini labo kwiinyanga ezizayo, bezimisele ukwehlisa umlinganiso wabo wekhredithi.
Kwimeko apho oku kwehla kwinqaku elidumileyo leBanco kuqinisekisiwe, iziphumo kwixabiso lazo zinokuba mandundu nangakumbi, Ngaphandle kokugweba ukuba unokuphula umqobo we-euro ngesabelo ngasinye. Into abo batyalomali abaye bathatha izikhundla kwiminyaka emininzi eyadlulayo boyika. Baye babona ukuba inxenye yolondolozo lwabo inyamalale ngokuthe chu, de bafikelela kwinqanaba lokunikela ngoku.
Iingcebiso ezi-7 zokungena okanye ukuphuma kwexabiso
Umbuzo omkhulu abatyali-mali abaninzi abanalo okwangoku kukuba kufuneka bangene okanye bashiye iBanco Popular. Ayisosigqibo silula, esiya kuxhomekeka ngaphezulu kwayo yonke iprofayili yesaver, ngakumbi kwixabiso ezithengwe ngalo izabelo. Ukuqonda imithambo-luvo ebangelwa kukuhla okubukhali kwixabiso lezabelo zabo. Ngayiphi na imeko, kwaye njengomgca woncedo, baya kuba nakho ukungenisa uthotho lweengcebiso ezinokuba luncedo kakhulu ukusukela ngoku.
- Ukuba unetyala kuya kucetyiswa ukuba hlala ukwimo enye ubuncinci iiveki ezimbalwa, kude kube kungqinisisa ukuba intengiso iyetyisa njani imali eyonyuswe yiBanco Popular.
- Ukuba ubunesabelo kubhanki iminyaka emininzi, awuzukukhetha ngaphandle kokulinda. Akungombuzo wokuthengisa izitokhwe kula manqanaba asezantsi. Thatha ithuba lokubuya ukuze unciphise izikhundla ngokuthe ngcembe.
- Ungazami ukuthenga izitokhwe ukuze wenze izinto ezintle kuba umngcipheko mkhulu kakhulu. Kukhethwa ukuba ukhethe ezinye iindlela ezikhoyo kwizabelo zeSpanish.
- Ukuba ufuna ukuthatha isikhundla kwistokhwe kunokuba kunjalo eluncedo ngakumbi ngamalungelo Ngaphandle kokuthengwa ngokuthe ngqo kwezabelo. Unga gcina i-euro ezimbalwa kwinkqubo yalo msebenzi.
- Gcina ukhumbula ukuba unguye ngaphambi kwelinye lamaxabiso anengxaki kwimarike yemasheya yaseSpain, kwaye akunakufuneka ubeke emngciphekweni ukonga kwakho. Ungaphulukana nenxalenye ebaluleke kakhulu kubo.
- Izabelo zale bhanki bezizobe iinyanga ezininzi a intsingiselo ngokucacileyo ye-bearish, kwaye ayifanelekanga ukuvula izikhundla kwezokhuseleko phantsi kwazo naziphi na iimeko.
- Inyaniso yokuba ixabiso layo lisondele kwiyunithi enye ye-euro, oko akuthethi ukuba ayibizi, kude nayo. Ayothusi into yokuba ixabiso ekujoliswe kulo kubarhwebi bamanye amazwe lichazwe kufutshane kumanqanaba ee-2 euro.