Ukuthengwa kwakutshanje kwe Banco Santander I-Del Popular ikhuthaze umdla kwinto enokwenzeka kubanini zabelo. Kungenxa yokuba eli nyathelo lithethe ukuba phantse i-300.000 yabanini zabelo beziko lokugqibela lezezimali baphulukene nayo yonke imali abayigcinileyo kutyalo-mali lwabo kwizabelo. Ukufikelela kwinqanaba lokuba ixabiso lalo lingunothi. Ayisiyo eyokuqala ukuba le nyani yenzekile kwaye nokuba yeyiphi na echaphazela abanye babatyali mali abancinci nabaphakathi. Akumangalisi ke ngoko ukuba ezi ziqwalasele indlela onokuthi uziphephe ngayo ezi meko.
Xa ukubhengezwa kwebhanki kwenzeka okanye kufunyanwa lelinye iqumrhu lezemali, indawo ekuya kuyo igalelo lemali ifikelela kweyona meko imbi. Kuxa amanyathelo angena kwinxalenye ye iifemu zamagqwetha ukubuyisa inxenye yotyalo mali. Yimeko engafunekiyo ukuba ingathathelwa ngqalelo. Kungenxa yokuba, yinto enokwenzeka kuye nawuphi na umtyali mali othengisayo. Kwaye kuya kufuneka ube nezixhobo ukoyisa le ngxaki inkulu enokuvela kwipotifoliyo yakho.
Ewe akukho zimbumbulu zomlingo zokuyiphepha. Kodwa ubuncinci uya kuba nazo ezinye izixhobo ezinokuba luncedo kakhulu ekukhuseleni umdla wakho njengomtyali mali omncinci nophakathi. Ndiyathemba ukuba awusoze walufuna olu ncedo siza kukunika lona. Kodwa ukuba kunjalo, iya kuba yindlela yokwenza ikukhusele kwezona meko zintle ezinokuphuhliswa kwiimarike zokulingana. Ngesi sizathu, kubaluleke kakhulu ukuba uyihlawule kancinci ukusukela ngoku.
Ukuphulukana nayo yonke imali eyongiweyo
Njengoko usazi kakuhle, omnye weengozi zokutyala imali oyigcinileyo kwii-equities yile nto inye yenzekileyo abanezabelo Banco Popular. Ayilulo udidi lokwahluka, kuba isiphelo siya kuba sinye. Oko kukuthi, ukugcina i-akhawunti yakho yangoku kwi-zero. Iya kuba yimvakalelo yokungabikho koncedo apho ungazi ukuba wenzeni ngalo mzuzu unzima. Kuba, enyanisweni, iindlela zokuzikhusela ziya kuba zincinci. Yinto ekufuneka uyicinge xa ukhetha udidi oluthile lwamaxabiso.
Ngesi sizathu sichanekileyo, kuya kuba kubaluleke kakhulu ukuba uvule izikhundla kukhuseleko oluntsonkothileyo kwimbonakalo okanye ezinciphise ixabiso ngaphezulu kweqhelekileyo kwiinyanga ezidlulileyo. Ngale ndlela, iya kuba luncedo kakhulu ekuzikhuseleni Yeka amaxabiso aqikelelweyo yeemarike zezemali. Kuyinyani ukuba unokufumana imali eninzi kunye nabo. Kodwa ngesizathu esifanayo ingozi ekuqeshweni inkulu kakhulu. Ayothusi into yokuba ezinye zeenkampani ezidwelisiweyo azikho kwizikhundla ezifanelekileyo kwezemali.
Akukho khuseleko lukhulu lokukhusela iimfuno zakho kunokuhlala kude nala maxabiso antsonkothileyo. Kubalulekile oscillation kwikoteyishini yamaxabiso abo. Apho umahluko obanzi phakathi kwamaxabiso aphezulu kunye neyona isezantsi iya kuba yenye yezona zinto ziphambili zazo. Ukongeza, ziinkampani ezinengxaki enkulu yemali. Le yimeko ethe yenzeka kule minyaka idlulileyo kwaye apho abatyali mali belahlekelwe yiyo yonke imali abayigcinileyo. Xa uyeka ukudwelisa izabelo zakho kwaye awunakwenza nto ukubuyisa imali oyityalileyo. Okanye ubuncinci bayo.
Ingozi: ixabiso elingaphantsi kweyure enye
Kwimasheya aseSpain kukho uthotho lokhuseleko oludwelisiweyo ngezantsi kweyunithi yeyuro. Ziswiti kakhulu kubatyali mali abacingelayo kuba becinga ukuba amandla abo okuhlaziya angaphezulu kwezinye izindululo zemarike yemasheya. Nangona le ndlela inokuba yinyani, inyani kukuba bayingozi kakhulu ukutyala imali. Awungekhe ulibale ukuba ukuba bayarhweba phantsi kwale mida iphantsi yinto ethile. Kwaye oko akuthethi ukuba abanakuqhubeka nokuhla ngexesha leeseshoni ezilandelayo. Nokuba kunokwenzeka ukuba badanjiswe kwiimarike zemali.
Ukusuka kule ndlela ngokubanzi, kukho amatyala aliqela okhuseleko anexabiso elincinci kakhulu ekugqibeleni eliyekisiweyo ukudweliswa. Kukungakuthandi oku ngenxa yokuba uya kulahlekelwa yiyo yonke imali oyigcinileyo. Nokuba iqokelelwe iminyaka emininzi. Ayisiyo kuba ukhuseleko luyarhweba kula manqanaba asezantsi ngaphezulu kwesizathu esaneleyo sokungabandakanyi kwi-radar yakho yabucala ukuvula izikhundla kwiimarike zezabelo. Kuya kufuneka ulumke kakhulu ngezi ntlobo zeenkampani ibonakaliswe ngokuhlawula okuphantsi kakhulu. Yinto etsala umdla ngala maxabiso ngamaxabiso asezantsi kangako.
Ukwehla okunamandla nokuqhubekayo
Olunye uphawu lweemarike onokubonelela ngalo ukunqanda ukuwela kwezi meko kukuzivelela kwamaxabiso alo. Kuba ngenene, xa ikho ukuwa okubalulekileyo kwaye ngokuqhubekayo iyakuba sisandi esibuhlungu malunga nento eyenzekayo. Akulungelekanga, ke, ukuba wenze olu didi lwamaxabiso akhetheke kakhulu. Awunakho ukulibala ukuba kuninzi ongaphulukana nako kunenzuzo. Akufanele ulinge ithamsanqa lakho zilula kakhulu kuba ungahlawula kakhulu. Umzekelo wakutshanje wabanini bezabelo abaziwayo beBanco ngowona mboniso mhle wento ongamele uyenze kwezi meko.
Kwezi meko, kuya kufuneka ukhawuleze kwaye ukhawuleze ukusebenza kwiimarike zezemali. Ukuya kwinqanaba lokuba esona sigqibo sakho siza kuba kukuthengisa izikhundla zakho njengenye indlela yokukhusela izikhundla zakho ngokufanelekileyo. Nangona awuzukukhetha ngaphandle kokuthatha ilahleko eqokelelweyo kwiphothifoliyo yakho yotyalo-mali. Kungcono ukuba ulahlekelwe yinxalenye yotyalo-mali, nokuba ibaluleke kangakanani, ukuba inyamalale yonke imali yakho. Kwaye kungakubiza malini ukusebenzisa esi sicwangciso kutyalo-mali.
Gcina ulwazi rhoqo
Elinye lamaqhosha okungalingisi iintshukumo zeBanco Popular yile ukwaziswa Yonke into eyenzekayo kukhuseleko olubandakanyiwe kwipotifoliyo yakho yotyalo mali. Nokuba kusetyenziswa imithombo yeendaba ekhethekileyo ebhaliweyo kunye nemithombo yokufikelela eveliswa kwi-Intanethi. Ayothusi into yokuba baya kukunika ngaphezulu kwesinye isibonakaliso malunga nokwenzekayo kwinkampani edwelisiweyo. Ngengqiqo ethile okanye enye kwaye unokusebenzisa ithuba lokuthenga nokuthengisa izabelo kwixabiso lemarike yemasheya. Ukuze ngale ndlela ukwimeko ezingcono zokulindela iziganeko.
Xa ubona inyani efanelekileyo engathandiyo, awuyi kuba nesisombululo ngaphandle kokuyeka izikhundla zakho ngokukhawuleza. Ukuqondisa isikhundla sakho kwezinye izindululo kwizabelo ezonwabela ukuzithemba kwakho ngokupheleleyo. Ngale ndlela, uyakukuthintela nakweyiphi na imeko, ungaphulukana nayo yonke imali oyityalileyo kwaye kwangoko. Enye yeengcebiso oya kunyanzeleka ukuba uzithobele isekwe khetha ezona zikhuselo zininzi Amashishini aseSpain. Okanye nakwiimarike zamanye amazwe ukuba imeko icebisa ngalo naliphi na ixesha.
Iimpawu eziphambili zesitokhwe
Icebo elincinci elinokukunceda ukuphepha ukulahlekelwa yimali kwimarike yemasheya kukujolisa kwezona indices zokulingana. Eli nyathelo lenzeka eSpain ukukhetha iinkampani ezikhoyo idityaniswe kukhetho lweemarike zaseSpain, i-Ibex 35. Akuqinisekisi ukuba unokwenza okumbalwa kunqwenelekayo kwezi meko, kodwa ubuncinci kuya kukunika iziqinisekiso ezinkulu ukuze zingenzeki. Ukongeza, ezi ziinkampani ezidwelisiweyo ezinesolvency enkulu kwaye zenziwa njengeendawo ekubhekiswa kuzo kutyalo mali lwangaphandle.
Ngolawulo olulawulwa ngakumbi kunakwezokhuselo ezidweliswe kudidi olusezantsi okanye kwiindices zesekondari. Umzekelo, Enye indlela yokuThengisa (MAB) oko kuthetha ukuthatha imisebenzi eyingozi kakhulu. Ngezindululo ezinamatyala amancinci kakhulu kwaye aneengxaki zemali ezinkulu kwezinye iimeko. Ngayiphi na imeko, zibandakanya ukuba udlale ngomlilo kwaye ungade ube nengxaki engaphezulu kwesinye ngezenzo zabo. Ukuba unako, kuya kuba ngcono ukuhlala kude kwezi ndlela zikhethekileyo ezinokukwenzakalisa ngaxa lithile ebomini bakho.
Awungekhe ulibale ukuba njengoko iprofayili yakho njengomtyali-mali omncinci nophakathi enoburharha ngakumbi, iingxaki zinkulu kuwe ukuze uzibone ukwimeko yezi mpawu. Kwaye kuyo nayiphi na imeko, awuzukukhetha ngaphandle kokufaka i-odolo yokuyeka ilahleko ekunceda ukuba unciphise ilahleko yemali kwizona meko zintle zentengiso yezabelo.
Unayo nenye inkxaso yokwenza le nyathelo kwaye kulula ukuyenza. Inezikhundla zokuvala xa inkxaso yekhefu elifanelekileyo elifanelekileyo. Iya kuba sesona sizathu sisesona silungileyo sokushiya utyalomali lwakho kwaye uye kwezinye iindlela ezibonisa imeko yezobuchwephesha. Ukwenza oku, kuya kufuneka ubhetyebhetye ekwenzeni imisebenzi kwaye ungazibandakanyi neentshukumo ezingathandekiyo kwimidla yakho njengomtyali mali. Kodwa ngaphezulu kwayo yonke into, kunye nesigqibo sokuyiguqulela ngokuzimisela okucacileyo. Ayothusi into yokuba iyakukunceda ukunciphisa umda welahleko phantsi kokusebenza kakuhle kuzo zonke iindlela zakho zotyalo-mali. Ukuze ungabandakanyeki kwezona meko zimbi. Njengoko kwenzekile kubanini zabelo beBanco Popular.