Izabelo zekhemikhali iSniace ziya kubuyela kwiparike yentengiso yesitokhwe yaseSpain kwiiveki ezizayo. Okwangoku akukho mhla ubekiweyo wokuba izihloko zabo zitshintshwe kwakhona kwisikwere saseMadrid, nangona kunjalo Uqikelelo lubonisa ukuba iyakuba malunga neeveki ezi-2 okanye ezi-3. Ayothusi into yokuba inkampani yaseCantabrian sele iqalile iinkqubo zokuphakamisa ukumiswa koluhlu lwazo kwimarike yemasheya.
Simele siyikhumbule loo nto Ngo-Septemba ka-2013, iKhomishini kaZwelonke yoThengiso lwezoKhuseleko (CNMV) yathatha isigqibo sokumisa urhwebo loonogada bayo ngononophelo.. Ujongene nesigqibo senkampani sokungena ukubhengezwa ngokuzithandela, ngenxa yokungakwazi ukufikelela kwisivumelwano sokuhlawula amatyala okanye ukufumana inkxaso yezemali kwiprojekthi yeshishini labo.
Ngoku, xa isicelo sokuphakamisa ukunqunyanyiswa samkelwe liqumrhu elilawulayo likazwelonke, ukhuseleko lwabo luya kubuyela kwixabiso lentengiso yesitokhwe. Kufanelekile ukuba ukhankanye loo nto kuvaliwe kwizinga lotshintshiselwano nge-0,196 euro ngesabelo ngasinye. Ngokwenyani kwindawo esembindini, nasemva kokuba ifikelele kuma-6,39 euros kwiminyaka edlulileyo.
Njengomphumo wokuvela kwayo kwiimarike zezemali, kuya kuba kubalulekile ukuba ulazi ixabiso lokuthenga kwakho. Kuba ngokuxhomekeke kolu tshintsho, unokufaka esinye okanye esinye isicwangciso ngaphambi kokuba sibuyele kwiimarike zesitokhwe, ukufumana imbuyekezo engcono kulondolozo lwakho.
Uzithenge ngaziphi amaxabiso izabelo?
Ngayiphi na imeko, kuya kubakho iimeko ezahlukeneyo kwabo bathengisi bafumene izihloko zabo nge-3 euro, okanye ngokuchaseneyo, ezo zenze ukuba zisebenze ngokusemthethweni iiveki ngaphambi kokumiswa, malunga ne-0,20 okanye i-0,30 euro. Ukuba ukwisiqendu sokuqala, uya kuba ngomnye wabo banobunzima obukhulu ekufumaneni yonke (okanye inxenye) yolondolozo lwakho. Kuba ngamaxabiso okuvalwa kokugqibela uya kuba nelahleko kufutshane ne-90%.
Ngelixa ubungomnye wabathengi ngomzuzu wokugqibela, uya kujongana nokufika kwexabiso kwiimarike ngendlela engathandekiyo. Kwaye ngokubhekisele phambili ekusombululeni ingxaki kwixesha elifutshane okanye eliphakathi ngokukhawuleza amaxabiso abo asabela ngokuqinisekileyo ekuphunyezweni kwale milinganiselo. Akunanto, uya kuba yi-10% okanye i-20% kuphela kude ukufezekisa iinjongo zakho, ezingezizo ezinye ngaphandle kokuvala izikhundla ngaphandle kwelahleko, kunye nethamsanqa elincinci kunye neenzuzo ezinkulu.
Enye into ekufuneka uyithathele ingqalelo ukuze ukwazi ukwandisa utyalo-mali lwakho kukuba xa ukhuseleko lwabo ludwelisiwe kwimarike yaseSpain eqhubekayo, inkampani icwangcise ukwenza ukonyuka kwemali eyinkunzi, apho izabelo ezitsha ziya kusasazwa khona, kwinani lezabelo ezibini ezitsha kwisinye ngasinye esidala, ngexabiso eliphantsi leesenti ezilishumi nganye, ngamalungelo akhethekileyo okubhalisela abanini zabelo benkampani.
Kodwa le ntshukumo yeshishini iza kulichaphazela njani ixabiso lesabelo sakho? Ngokusisiseko, iya kuthi ivelise ifuthe labo, elithi kukhokelela kurhwebo olungaphantsi kwexabiso lokuvala ngaphambi kokumiswa. Oku kuchaziwe kuba njengoko zininzi izihloko, amaxabiso abo aya kuhla ngokuxhomekeke kwinani labo.
Ngantoni na kwangaphambili - kwaye kuthathelwa ingqalelo iziphumo zolunye ukonyuswa kwemali eyenziweyo ziinkampani ezidweliswe kwingeniso eyahlukileyo Ilahleko ziya kuba yinto eqhelekileyo kwimeko entsha oya kuthi uyibonakalise xa ujoyina kwakhona kwiimarike zezemali.
Xa izabelo zingadweliswanga ...
Le meko inqabileyo yathetha ukuba uchithe ngaphezulu kweminyaka emibini ngaphandle kokukwazi ukwenza nantoni na ngezenzo zakho. Isizathu silula, ukungabinakho ukutshintshiselana ngezihloko zakho, uzifumana ukwimeko yokungabinakuzinceda ngokupheleleyo - olona phawu lwokhuseleko luye lwaphuhlisa le ntshukumo yezoqoqosho-, kwaye kule minyaka idlulileyo ichaphazele ngaphezulu kwenkampani enye edwelisiweyo: iPascanova, iCampofrío okanye iLa Seda de Barcelona, phakathi kwabanye.
Inkqubo entsonkothileyo apho ekuphela kwento onokuyenza kukulinda, ngomonde omncinci, kude kube kugqityiwe ukusonjululwa. Ngamanye amaxesha, ngendlela elungileyo, ukufakwa kuluhlu kwakhona, njengakule meko ithile; kodwa kwabanye ngokuphelisa inkampani, kwaye ngenxa yayo, ukuphulukana nayo yonke imali ebigcinwe kwasekuqaleni.
Yintoni onokuyenza kwezi meko? Kunjalo kuthintela ukuba ungazithengisi emarikeni, kwaye kuphela yinkqubo yokuthengwa kwezabelo phakathi kwabantu inikwe amandla, ikwanobunzima kakhulu, kwaye oko kuya kukhokelela kubunzima obuninzi kwisisombululo sayo. Hayi lilize, uzakufuna isatifikethi sokuqinisekisa ukuba uza kuqinisekisa ukusebenza, okuya kufuna iindleko ezifunwayo yile nkonzo yobungcali, okwenza iziphumo zomsebenzi wakho zibize kakhulu.
Ngakolunye uhlangothi, Iibhanki ziya kukuhlawulisa ikhomishini yokugcinwa, nangona incinci kakhulu, kulawulo lwezokhuseleko. Ewe uqonde ngokuchanekileyo, nangona zingenalo ixabiso lokwenyani kuba azidweliswanga. Ngamafutshane, iindleko ezongezelelweyo ezongezelelweyo, nokuba awukwazi ukulawula ubunini beasethi yezemali.
Iinkampani ezinemali encinci kunye nokuhlawula amatyala
Ukuba uphonononga imbali yazo zonke iinkampani ezinqunyanyisiweyo kuluhlu lwazo, uya kufikelela kwisigqibo esicace gca. Bakumaqela amashishini amancinci, aneengxaki ezinkulu kwimali yabo, Zize izihloko zazo zibonelela ngobuncinci bemali kwiimarike.
nayo, Babonakaliswe ngokungazinzi kakhulu, umahluko omkhulu kumaxabiso eseshoni enye yorhwebo, ezinokuya kufikelela kwi-30%. Uninzi lwezinto ezibizwa ngokuba yi-chicharros, ukhuseleko olucingelwayo nolonwabisayo kwabona batyali zimali bazama ukuba ngoosozigidi kwiintsuku ezimbalwa, kwaye abathi ekupheleni kwenkqubo bafumanise ukuba iiasethi zabo zinciphile kakhulu, kunye nethuba lokulahleka Yonke into.
Uninzi lwabahlalutyi bezemali bacebisa ukubaleka ezi zixabiso, phantsi kwazo naziphi na iimeko. Okukhona kungcono, licebo lakhe. Ayisiyiyo kuphela ngenxa yokuba amaxabiso anyuka kakhulu, kodwa ngenxa yokuba amava abonisa ukuba banokuba ngabagqatswa ukufikelela kule meko ingathandekiyo: ukumiswa kwixabiso. Ngazo zonke izinto eziphazamisayo ezibonisiweyo kweli nqaku.
Kwakhona, imali yabo ephantsi ivelisa ukuba uneengxaki ezingaphezulu kwesinye zokuzithengisa ngexabiso lemarike, kuba ibango lezihloko zabo lingaphantsi kunikezelo. Ngokukodwa xa kuziwa kwiiphakheji zezabelo ezibalulekileyo ngenxa yexabiso eliphezulu kwezoqoqosho.
Ngenxa yale meko iboniswe ngala maxabiso, eyona nto icetyiswayo kukuyeka imisebenzi yabo. Unikezelo lwentengiso kazwelonke eqhubekayo lubanzi kangangokuba alunakupheleliswa kwizihloko zalo, apho iingeniso zinokubetha ngokwenene, kodwa ilahleko ingekho ngaphantsi. Olunye uphawu abalunikelayo kukuba ababi izabelo phakathi kwabanini zabelo, kuba ziinkampani ezinengxaki enkulu yemali, engazisi sibonelelo kwiziphumo zeshishini labo.
Kuza kwenzeka ntoni xa ibuyela kurhwebo?
Kwizabelo akukho ukuqiniseka ngokupheleleyo, kwaye iimarike ngokwazo zinyanzelisa amaxabiso ezabelo zabo. Akukho nto ingako onokuyenza malunga nale nyani yentengiso yesitokhwe. Ngaphandle kwayo yonke into, bukhona ubungqina obunokukunceda ubone indlela abaza kuziphatha ngayo kwiiseshoni ezilandelayo. Kunjalo, ngaphandle kokulindela uhlaziyo olukhulu, ubuncinci kwiiveki zokuqala zokurhweba. Ngokuchasene noko, isiphumo sisenokuba ngokuchaseneyo, njengesiphumo sonyuso lweemali ezinkulu olucwangcisiweyo yinkampani yemichiza.
Ngaba ungathatha izikhundla kwixabiso? Ukuba ufuna ukuthenga izabelo okokuqala, uya kuba nethuba lokuziphuhlisa ngamaxabiso asezantsi kakhulu, kwaye ngenxa yoko umngcipheko uya kuba sezantsi kakhulu. Nangona kunjalo, Kude kube kudlule iziphumo zokonyusa inkunzi, ngekhe kucetyiswe ukuba ubandakanyeke kuwo nawuphi na umsebenzi.
Nangona amaxabiso abo engabalulekanga, nakuphi na ukwehla kwexabiso layo kunokumela ilahleko yee-euro ezininzi. Ukuba ifikelela kwixabiso le-0,10 euro, ukusuka kwixabiso langoku, oko kuya kuthetha ukwehla okungekho ngaphantsi kwe-50%.
Iingcebiso ezintandathu zokuphucula isikhundla sakho ngexabiso
Ukuqala kwakhona kwikoteyishini yayo, ngaphandle kwamathandabuzo ziindaba ezilungileyo zomdla wakho ukuba uburhintyelwe kwizihloko zabo ngoku kwiminyaka emibini edlulileyo. Kodwa kuyo nayiphi na imeko, kuya kufuneka ulumke ngeli nyathelo kwaye uthathe uthotho lwamanyathelo okuzama ukubuyisa ubuncinci bemali etyalwe kule nkampani. Ngokusebenzisa iingcebiso ezilula, uya kufumana okungakumbi ekubuyeni kwiimarike zezabelo zale nkampani.
- Ukubuyela kwayo kwintengiso yesitokhwe akuyi kuthetha ukuphindaphinda okubalulekileyo Ngexabiso layo, hayi kancinci, ngokubhekisele ekuvalweni kokugqibela (ngo-2013) kuba iiakhawunti zayo zeshishini zonakaliswe kakhulu ngamatyala ayo.
- Kuya kufuneka uthathe ithuba nakuphi na ukuhamba okuqhubayo kwiintsuku zokuqala zokuthengisa ukuzithengisa ngexabiso lemarike, ngakumbi ukuba ufuna ukuhlawulwa ngemali ukuze uhlangane neendleko zakho eziphambili zosapho.
- Ngaphandle kwazo naziphi na iimeko kuya kufuneka ujonge amaxabiso ebecatshulwe kuwo Kwiminyaka ethile edlulileyo, njengoko ngekhe ifikelele kubo, ubuncinci kwixesha elifutshane nelide.
- Ungathatha ithuba ngemeko yabo phuhlisa intengiso yokukhubazeka ukuthoba ityala lakho kunyaka-mali olandelayo, kwaye ngale ndlela, gcina i-euro ezimbalwa kwingxelo yengeniso.
- Kuyakufika ngexesha elifanelekileyo ukuba ukwenze kube semthethweni ukuthengiswa kwezabelo ukuguqula isixa sabo iye kwezinye iinkampani ezinolindelo oluphezulu ngoku kumaxabiso abo. Ukuze kuncitshiswe ilahleko eveliswe leli xabiso kwimarike yaseSpain.
- Ukuba awuyidingi imali, kwaye ukuba utyalo-mali alukho lukhulu kakhulu, ungalinda ukubona ukuba amaxabiso azo azivelela njani kwiinyanga ezizayo. Kwimeko apho uhlengahlengiso lwenkampani lusebenze njengesizathu sokucaciswa kwamaxabiso ukuthatha amandla okonyuka kwixesha elide.