I-Bankinter ivale ngempumelelo ukubekwa kwindawo yentengiso yemeko enkulu yamatyala kudidi lwayo olukhethiweyo kwiiyure nje ezintathu Isixa semali engama-500 ezigidi zeerandi, ngaphezulu kweminyaka emihlanu, kwi Umda wenqaku lesiseko esingama-75 kwi-midswap, oko kuthetha ukubuya kwe-0,90%, ixabiso elingaphantsi kwesalathiso sokuqala. Umcimbi kunye nomhla wokuhlawulwa umiselwe iinyanga ezimbalwa ezizayo zalo nyaka; kunye nomhla wokuhlawulwa kwawo, ngoMatshi 5, 2024.
Umcimbi ubhalise imfuno engaphezulu kwe-2.200 yezigidi ze-euro, engaphezulu kwesine isixa semali esibonelelweyo. Ngokunjalo nokubekwa kwenziwe phakathi kwabatyali mali abangaphezulu kwe-160, apho i-60% yabo ikumazwe aphesheya. Kwelinye icala, kufanele ukuba kuqatshelwe ukuba iindawo zebhankiI-Bankinter, iBarclays, i-BBVA kunye ne-Natixis yayingabenegalelo kulo msebenzi. Ngayiphi na imeko, le yenye yezona mveliso zingaziwayo ngabatyali mali abancinci nabaphakathi kwaye le nto inokubangela ingxaki engaphezulu kwesinye ekuqeshweni kwabo.
Ukukhutshwa kwetyala eliphezulu "elikhethiweyo" kubonakaliswa ngokuba nomhla wokumiliselwa kunye nomhla wokuvuthwa. Phakathi kwenye nenye kuhlala kwenzeka malunga neminyaka emi-6 okanye esi-8. Ke kwindawo yokuqala yimveliso eyenzelwe elona xesha lide. Ke ngoko, imali etyalwe kufuneka inyanzeliswe ixesha elide. Le yenye yeengxaki eziphambili ezenziwa ngokusesikweni kwaye oko kukhokelela kwinto yokuba icandelo elilungileyo labathengi alikhuthazwa yile mveliso ikhethekileyo sinikezela olu lwazi kwinqaku.
Ukukhutshwa kwetyala: iimpawu
Olu didi lwemicimbi lusebenza phantsi kwenzuzo ethelekiswa kakhulu neemveliso zengeniso esisigxina. Kwi-hairpin ehamba phakathi kwe-0,75% kunye ne-1,25%, kuxhomekeke kwinkupho nganye. Ngamanye amagama, umdla wabo uphezulu kunakwimeko yedipozithi yebhanki yekota. Malunga neshumi leepesenti ngaphezulu. Ukuba yenye yeenkuthazo zokubaqesha ukusukela ngoku. Ngayiphi na imeko, kunzima kakhulu ukuba bangagqitha amanqanaba enzuzo ngaphezulu kwe-2% okanye i-1,50%. Ayothusi into yokuba umvuzo wakho uthintelwe ukusukela ekuqaleni kokusebenza.
Njengakwelinye icala kusengqiqweni ukuqonda, le yimveliso ayinakurhoxiswa, ngokungaphelelanga okanye ngokupheleleyo. Ukuza kuthi ga kwinqanaba lokuba yenye yezona zinto ziphosakeleyo abanazo abo bahlanguliweyo xa bejamelene nengxaki ekufuneka bayikhethile okanye abayixhasi le modeli intsha yotyalo-mali. Kungenxa yokuba ayivelisi intsebenzo etsala umdla nangona iphezulu kwiimveliso zebhanki ezahlukeneyo (amanqaku ezithembiso, ityala okanye iiakhawunti ezihlawula kakhulu). Owona mahluko uphambili xa kuthelekiswa noku kukuntsonkotha kwemodeli yayo kwaye ayingabo bonke abasebenzisi abanokufaka isandla kula maxesha achanekileyo.
Ukujolisa kubatyali mali abaziingcali
Ngayiphi na imeko, kufuneka kukhunjulwe ukuba okwangoku, le yimveliso yotyalo-mali ejolise ngokukodwa kubatyali mali abaqeqeshiweyo hayi abantu. Oko kukuthi, kwixesha elifutshane awuyi kuba nakho ukurhuma, nangona kulindeleke ukuba iza kuvela njani kwiimarike ukuze unokujongana neli qela loluntu. Nangona ngokwenyani kungaziwa kakuhle kwaye iingxaki ezithile zinokuvela ekubekweni kwayo njengoko ngokuqinisekileyo kuyimodeli entsha kwicandelo lotyalo-mali labucala.
Ngelixa kwelinye icala, kufanele ukuba kukhunjulwe ukuba ityala eliphezulu kwezi mpawu liyimveliso yezemali ethe ngqo ayikafumaneki kubathengi bebhanki, hayi nakubasebenzisi abakhethiweyo. Ukuya kwinqanaba lokuba lilinde ixesha lokuba likhethelwe usasazo lwayo olulandelayo. Ukuba kulo nyaka ukhoyo okanye ngokuchaseneyo, kuyakufuneka ulinde unyaka olandelayo ukuba ube nenye imveliso entsha enomdla kakhulu kwimidla yabasindisi ngenxa yeempawu zayo ezizodwa ngakumbi iimeko zayo zesivumelwano.
Ngaba kufanelekile ukubhalisa?
Olunye lwamathandabuzo uninzi lwabasindisi abancinci nabaphakathi banayo kukuba ingaba le yimveliso efanelekileyo yomdla wabo kunye nomdla wabo. Umngcipheko abanokuthi bawenze ngokwenziwa kwabo ngokusemthethweni. Ewe, ifuthe layo kwicandelo labatyali zimali zentengiso liya kuhlala libonwa njengoko liyimodeli entsha ngokupheleleyo kwaye awuyazi ifuthe layo. Kule meko, kufanelekile ukukhumbula iimeko ezimbi ezazikho ngaphambili kunye nezinye iimveliso ezazisungulwe ziibhanki, ezinye zazo zazithathwa njengezinetyhefu.
Kwelinye icala, kufanele ukuba kukhankanywe ukuba ngokuqinisekileyo ayisiyomveliso ebalaselisa inzuzo yayo yesisa. Ukuba akunjalo, ngokuchaseneyo, oku kunqabile kuba kunqabile ukuba kugqithe kwi-1,50%. Njengokuba kwahlukile iimveliso zengeniso esisigxina ngakumbi ingakumbi kwiidipozithi zebhanki zexesha. Ngamanye amagama, ayibonisi isivuno esinokuthathwa njengesinomtsalane, kodwa ngokuchaseneyo, kwaye le yinto esebenzayo ngokuchasene noko kukhethiweyo "kukhethwe" ukukhutshwa kwetyala eliphezulu. Nangona, ngokuchaseneyo, ime ngaphandle kwento entsha yomzuzu ekhutshwe ngayo le mveliso yezemali.
Ukusebenza kokulondolozwa kwendalo
Ewe, la ayinawo amaxesha amahle okonga ngenxa yokwehla kwexabiso lemali. Ukulandela isigqibo se-European Central Bank (ECB) ukuya zisa inzala ukuya kwi-0% ngamaxesha onke ukuzama ukukhulisa uqoqosho kunye nemveliso kwindawo ye-euro. Oku kuye kwathetha ukuba zonke iimveliso zengeniso esisigxina ziye zehla inzala yazo kungakhange kubekho mbuyekezo kwimali eyinkunzi ebekiweyo. Kwaye oko kukhokelele, umzekelo, kwi-avareji yenzala kwi-12-inyanga yedipozithi yebhanki ekwinqanaba elingekho ngaphezulu kwe-0,35%.
Njengakwimeko yeemveliso zezemali zeempawu ezifanayo ezingezizo ezomdla kwicala labasindisi abancinci nabaphakathi. Ubuncinci de batshintshe ingqondo kumgaqo-lawulo wemali owenziwayo ngalo mzuzu kanye. Apho kungekho lula ukwenza ingeniso enenzuzo kwaye uyivelise akukho khetho ngaphandle kokuthatha umngcipheko otyalo-mali. Oko kukuthi, kuyakufuneka uye ekuthengweni nasekuthengisweni kwezabelo kwimarike yemasheya okanye ezinye iimveliso ezinxulumene neemarike zezabelo. Aphi amathuba oshishino okwangoku, nakwiindleko zokubandakanya umngcipheko omninzi kwimisebenzi eyenziweyo.
Ixabiso eliphantsi kwixabiso lemali
Ngayiphi na imeko, yonke into iya kuxhomekeka kwinto eyi Ukuvela kwamazinga enzala kwiinyanga ezimbalwa ezizayo okanye kwiminyaka. Zombini kwelinye icala leAtlantic kunye nelinye, njengoko ifuthe lazo liya kubonakala kuzo zombini iindawo zoqoqosho nezemali. Kuba ngalo mzuzu xa le mpahla yezezimali inyuka, akukho mathandabuzo ukuba kuyakubakho ukwanda kwinzuzo yezi mveliso zemali zinxulunyaniswe nengeniso esisigxina.
Kwinyani enye okanye enye kwaye oko kuya kuchongwa linqanaba lokunyuka kwexabiso lemali. Ngaphandle kwezinye izinto zobuchwephesha ezinokuchaphazela ukumiselwa kolu tshintsho lubalulekileyo lokonga. Kwaye apho kunjalo iyakuba nefuthe kwinto yokukhutshwa kwetyala eliphezulu "elikhethiweyo" ukusukela ngoku ukuya phambili. Apho kunokuxelwa kwangaphambili kuya kuhlala kunjalo umvuzo omkhulu kunakwinqanaba langoku.
Ityala elineminyaka eli-7
Elinye lamaqela akhethe le mveliso yezemali ukuza kuthi ga ngoku ingaziwa kwinxalenye enkulu yabancinci abagcina imali ICaixabank. Kungenxa yokuba, igqibe ekubeni ikhuphe umbandela omtsha wokukhethwa kwetyala kulo nyaka, kule meko inikezela ithuba lokuvuthwa leminyaka esixhenxe ngesixa esingekaqinisekiswa yi bhanki. Kwimeko nayiphi na into, into eyaziwayo kukuba intengo yokuqala yeebhondi ngamanqaku angama-115 kwisiseko se-midswap. Apho iye yenzelwe ikakhulu abatyali mali abaziingcali hayi abantu.
Ibhanki yaseCatalan ithathe isigqibo sokuba amaziko eBarclays, eCaixaBank, JP Morgan, Natixis naseNatwest Markets aya kuba lilungu lentengiso yale mveliso njengezinto zokubekwa. Nangona kungaziwa ukuba yeyiphi eyona mpendulo ibisenzeka malunga nokwamkelwa kwale modeli intsha yotyalo-mali. Ixesha elide kakhulu lokusisigxina ngokuthelekiswa nolunye uthotho lweemveliso zezemali ezikhoyo ngoku kwintengiso. Ngaphandle kwezinye izinto zobugcisa eziqwalaselweyo. Apho abatyali mali abancinci nabaphakathi bengazukukwazi ukuyirhumela, nangona kungagunyaziswanga ukuba bangaqhubeka kwimicimbi elandelayo yeklasi yamatyala amakhulu.