Ewe, iibhondi zengingqi lolunye lotyalo mali ngakumbi okoko onokukhetha ukwenza ulondolozo lube nenzuzo. Ngokukodwa, ngenxa yeempawu zolu rhwebo lukhethekileyo lwemali. Isekwe kwiibhondi, kodwa ngokucacileyo ngokukodwa. Ayikho enye ngaphandle kwayo ezivela kwiindawo ezahlukeneyo ezizimeleyo yoBukumkani baseSpain. Zininzi iindlela onokukhetha kuzo, nangona zonke zilawulwa ziiparameter ezifanayo zokuqesha. Ngale ndlela, ungarhuma iibhondi zeCastilla y León, Catalonia, Murcia okanye nayiphi na enye indawo yejografi yaseSpain.
Nangona igama elisemthethweni lezi mveliso zezezimali lelo leebhondi zengingqi, icandelo elikhulu labatyali mali liyaziqhela njengokuthanda izwe. Babenempikiswano ethile ngenxa yeempawu ezizodwa abazibonisayo. Ukuya kwinqanaba lokuba zingacetyiswa kakhulu ziiarhente zezemali. Ukuyibona njengemveliso esondele kakhulu kwityhefu kwaye inokudala ngaphezulu kwesinye ingxaki kubafakizicelo bayo. Nokuba yeyiphi na, yenye enye indlela onayo kwihlabathi lotyalo-mali.
Izibophelelo ezizimeleyo okanye ezithandwayo zibonakaliswa kuba azinangxaki kusasazo lwazo. Kungenxa yokuba, azifumaneki nangaliphi na ixesha, okanye ngayo yonke iminyaka. Baxhomekeke ngandlela ithile kwiimfuno zenkxaso-mali ezinokuba nazo kwiindawo ezahlukeneyo zabantu abazimeleyo. Into engenzeki ngamaxesha onke. Ngenxa yoku, iyimveliso engekho mgaqweni kakhulu ngokubakho kwayo kwiimarike zezemali ukuze ubhalise ngokusekwe kwiimeko zabo zesivumelwano.
Iibhondi zengingqi: abanikezeli
Olu hlobo lweemveliso ezivela kwingeniso esisigxina lukhutshwa yinxalenye yemimandla yezembali yaseSpain. ICatalonia, uLuntu lwaseValencian, iMadrid, iGalicia, iAsturias okanye iZiqithi zeBalearic lolunye uluntu olulawula ukuthengisa ezi modeli zoqobo zotyalo mali. Kodwa Umahluko ngokwendlela yokusebenza, ukukhula kunye nexabiso elincinci. Akukho bond inika iimeko ezifanayo. Ungakulibali ukusukela ngoku ukuba injongo kukukhetha olu tyalo-mali kumvuzo osisigxina Ayothusi into yokuba yenye yezona zinto zintsha zivelisayo kunikezelo lwangoku.
Ukusuka kule meko, unokufumana amabhondi amafutshane, aphakathi kunye nexesha elide. Nangona kwiindawo ezahlukeneyo ezizimeleyo. Kuya kufuneka ugcine ukhumbula ukuba awuzukukhetha ngaphandle kokulinda ukuba zikhutshwe. Ingathabatha ixesha elide ukuba yenzeke. Iibhondi zokuthanda izwe ayiyomveliso yemali efanayo. Endaweni yoko, ilungelelaniswe neemfuno zoluntu oluzimeleyo. Ayizukufana onke njengoko uza kubona ukusukela ngoku.
Izivuno zezi bhondi
Umbuzo wokuqala oza kuzibuza wona yinzuzo onokuyifumana kwimali oyigcinileyo. Ewe kuya kuxhomekeka kumba ngamnye kunye noluntu olubasa kwiimarike zezemali. Ngayiphi na imeko, ukuze ube nombono wokuqikelelwa kokubuya kwayo, kuya kufuneka uyazi ukuba iyashukuma phakathi kwe-1% kunye ne-6%. Kule mida ibanzi unokufumana iimodeli ezahlukeneyo zebond.
Ungabaqesha kwibhanki yakho yesiqhelo. Kodwa kwakhona ngokusebenzisa iiarhente ezithile zezemali Intengiso yezi mveliso zenzelwe ukutyala imali. Kuyo nayiphi na imeko, ayibandakanyi iikhomishini okanye enye inkcitho kulawulo okanye kulondolozo lwabo. Ukusuka kule meko, yifomathi efikelelekayo kakhulu kuyo yonke imizi. Kuba ayibandakanyi inkcitho eyongezelelweyo, njengoko kwelinye icala yenzeka ngenxalenye elungileyo yeemveliso zebhanki. Ngale nto ungonga imali ukuba ukhetha esi sicwangciso kutyalo-mali lwakho.
Akunakuze uhlawule naziphi na iindleko zokungenelela kwamashishini emali. Ukusuka kweli nqanaba lokujonga malunga imodeli yotyalo-mali ekulula kakhulu ukuyiqonda. Ukuya kwinqanaba lokuba ayifuni inkcubeko ebanzi yezemali kwicala lakho. Njengakwelinye icala, kwenzeka ngeemveliso ezichaziweyo njengeziqinisekiso, ukuthengisa ngetyala okanye iimveliso ezivela kwezinye. Okanye nokuba uzithelekisa neengxowa-mali zemveli zotyalo-mali. Ukusuka kule meko awuyi kufumana zimangale ezimbi.
Imigaqo yokuhlala kwakho
Enye into ekufuneka uyazi ligama ekubhekiswa kulo ukonga kwakho. Ewe, ziyaguquguquka, kuxhomekeke kwiimfuno zakho zobuqu. Elona xesha lisezantsi kudlula ngokwenza ulondolozo lungahambelani kwiinyanga ezili-12 okanye ezili-15. Ngexesha eliphezulu elisekwe malunga nesihlanu. Kwaye apho igama lixinene, inzuzo ephezulu uya kuyifumana. Nangona kukho imibala ethile oza kuyazi ukusukela ngoku.
Ngexesha lokuhlala kwakho ngekhe ukwazi ukuhlangula, ayikhethi okanye iphelele. Kodwa kuya kufuneka ulinde ukuphela kwayo ukuze uphinde ufumane imali yakho kunye nezibonelelo ezilandelayo. Kungenxa yoko le nto kufuneka utyale imali leyo ongazukuyidinga ixesha elide. Akumangalisi ukuba ufanele wazi ukuba iibhondi zengingqi zidweliswe kwiimarike zesekondari. Eyona nto inzima ngakumbi ngokweendlela zayo. Yintoni enokukhokelela ekubeni wenze ingxaki engaphezulu kwesinye ngexesha lotyalo-mali.
Banobungozi obukhulu
Kodwa ukuba imixokelelwane yengingqi okanye yokuthand 'izwe ibonakaliswa yinto ethile, kungenxa yomngcipheko omkhulu wokuba imisebenzi yabo ibandakanye. Kungenxa yokuba, ukuba abahlali ababakhuphayo banengxaki yokufumana imali, ungaphulukana nolondolozo lwakho. Kungenxa yoko le nto banikezela ngokusebenza ngesisa. Ukufikelela kwinqanaba le-5%. Kubanzi kakhulu kuninzi lweemveliso zengeniso ezinzileyo ekubonelelayo. Phakathi kwazo, iidipozithi zexesha, amanqaku ezithembiso zebhanki, iiakhawunti ezinengeniso ephezulu, okanye iibhondi zikarhulumente kunye nezamashishini. Kwezi meko, ngezivuno ezinqabileyo ezingaphaya komqobo we-2%.
Ngale ndlela, unembuyekezo ephezulu kulondolozo, kodwa uthathela ingqalelo ubungozi obungenayo ngokufumana ikhontrakthi kwezi bhondi. Ukufumana ukhuseleko olukhulu kolu tyalo-mali, kuya kuba yimfuneko kakhulu kuwe ukuba wazise malunga neeakhawunti ezenziwa luluntu oluzimeleyo oluphethe ukukhupha ezi bond. Ukuze ngale ndlela, ube kwimeko yokunciphisa umngcipheko ngolwazi oluthe kratya. Akunanto, Imimandla eneempazamo ezinkulu kuhlahlo-lwabiwo mali zezona zinto zivelisa owona msebenzi uphezulu. Yirhafu ekufuneka uyihlawule kule miqathango.
Ifikeleleke kumntu wonke
Enye yeenzuzo zabo eziphambili kukuba zifikeleleka kakhulu kubo bonke abagcini. Ukusuka kwi-1.000 euro ungayenza ibe semthethweni le mveliso yemali. Akukho sithintelo ngokubhekisele kwelona xabiso liphezulu. Ngokungafaniyo nezinye iimodeli zotyalo-mali ezifuna igalelo elikhulu ukuvula izikhundla. Ngamanye amaxesha, amanani asezantsi aphezulu kakhulu. Ukongeza, azibandakanyi inkcitho eyongezelelweyo okanye iikhomishini ezenza ukuba utyalomali lubize kakhulu. Le yenye yezona zinto zixabisekileyo. Ngaphezulu kwako konke okunye.
Nangona kunjalo, kwaye njengakwelinye icala kusengqiqweni, njengoko igalelo liphezulu, imali eninzi iya kuya kwi-akhawunti yakho yokutshekisha. Kananjalo ayithwali alukho uhlobo lokurhweba Ngabalamli babaxhasi abakhulu bezemali. Isebenza kulo lonke uluntu oluzimeleyo. Umahluko omncinci ngokwemirhumo yabo. Eyona nto ibaluleke kakhulu njengoko ubona kwisibonelelo sangoku seebhondi zommandla.
Ngayiphi na imeko, awuyi kuhlala ufumaneka njengoko unqwenela. Ukuya kwinqanaba lokuba okwangoku kuphela iibhondi zoLuntu lwaseMadrid. Ngesivuno esingaphezulu nje kwe-2%. Ngenxa yoko, umngcipheko wayo usezantsi ngenxa yokuthembeka okukhulu kolu luntu luzimeleyo. Nangona kungagwetywanga ngaphandle ukuba kwiinyanga ezizayo amanye amaziko endawo angazisa imicimbi emitsha.
Izinto ezingalunganga ekuqeshweni
Kuya kufuneka uthathele ingqalelo ukuba zeziphi iingxaki onokuzivelisa ngokusesikweni kwezi bhondi. Eyokuqala, yokuba ungaphulukana notyalo-mali ngenxa yokunqongophala kwenkxaso-mali kuluntu olukhuphayo. Okulandelayo kukuba ngokuqinisekileyo lolutyalomali olungekho mgaqweni ngenxa ye- Ukuhamba kancinci kokukhutshwa kwabo. Ukusuka kule ndawo, unotyalo-mali olukhuselekileyo olunesiqinisekiso sokukhusela ukugcinwa kwemali okugcinwe kwiibhondi.
Kukwabaluleke ngokukodwa ukuba lutyalo-mali olungavunyelwanga ngokwenyani ziiarhente zokulinganisa. Ngapha koko, banelinye lawona manqaku asezantsi. Ukusuka kolu luvo, ayisiyiyo imodeli ekhuthazwa kakhulu kuyo nayiphi na iprofayili yotyalomali.. Ukusuka kwelona ligcinayo ukuya kwelona linoburharha. Ngokukodwa, yenye yezona mveliso ziyingozi kwimali yakho. Nokuba 'ngaphezulu kwezinye zivela kwii-equities.
Ekugqibeleni, kuya kuba nguwe ukuba uthathe isigqibo sokuba kufanelekile na ukukhetha olu tyalomali. Phambi kolunye uthotho lweemveliso zikwanomngcipheko omkhulu ekuqeshweni kwabo. Ngayiphi na imeko, iya kuthi nakweyiphi na imeko ibe yenye indlela ekufuneka uyigcinile kwiakhawunti yakho yokujonga ukuba ibe yinzuzo. Olunye lolukhetho lokugqitha kwimida ekubonelela ngayo iimveliso zezezimali ngoku. Apho abaqhelekanga igqithe amanqanaba angaphezu kwe-2%. Ngokwenxalenye, njengesiphumo sokwehliswa kwexabiso lemali ngabasemagunyeni bemali yoluntu. Ukuya kwi-0%.