Yintoni ukuhlanganiswa kwezindlu nomhlaba?

ukudibanisa

Xa sithetha ngeli hlelo litsha, ukuthengiswa kwezindlu kunye nomhlaba, sibhekisa ku umendo kwicandelo lotyalo-mali. Nguwuphi na umntu onokufikelela kwisitena ukusuka kwigalelo elincinci lezemali. Ngothotho lwe projekthi zezindlu oko kumisela amaqonga athile ophetheyo ekusebenziseni. Inene malunga notyalo mali kwicandelo lokuthengiswa kwezindlu, kodwa ngomahluko wokungayi kwiimarike zezemali. Hayi kangako ngokuthenga kunye nokuthengiswa kwezabelo kweli candelo lobungcali. Ngayiphi na imeko, ngumbono omtsha onokubonelela ngembuyekezo kufutshane ne-15%.

Olu tyalo-mali lukhuliswa ngumzuzu olungileyo icandelo lezokwakha elihamba ngalo eSpain, njengoko kubonisiwe kwidatha yamva nje enikezwe kweli candelo. Kuba ngenene, inani le imisebenzi yokuthenga kunye nokuthengisa inyukile kwiinyanga ezidlulileyo. Ngomsebenzi omkhulu kwimisebenzi eyenziweyo kunye nokunyuka kwexabiso lamagumbi. Zombini malunga nolwakhiwo olutsha kunye nerente.    

Amakomkhulu nezixeko ezikhulu zikhokelele ekukhuleni kwamaxabiso ezindlu eSpain ngo-2017, ngokunyuka konyaka-nge-7,5% ngoDisemba, xa kuthelekiswa ne-4,5% yomndilili wesizwe, ngokweenkcukacha-manani zenyanga ze-IMIE General kunye neGrandes Mercados, ezilungisiweyo ngokuxabisa izindlu nomhlaba kunye nenkampani yeengcebiso Tinsa. Amaxabiso asekhaya amaMediya ahlala kumanqanaba kaNovemba 2013ukuhla okwenyuka ngama-38,6% ukusukela ngo-2007. Ukuqinisekisa ukuba lixesha elifanelekileyo lokubuyela kwisitena njengenye indlela yotyalo-mali.

Ukuxinana kwezindlu nomhlaba, yintoni le?

imigangatho

Le nkqubo intsha yotyalo-mali iqhutywa ngumdla wabasebenzisi kwicandelo lezitena. Ngokusebenzisa iqhinga eliphindwe kabini kwinxalenye yeearhente ezimbini ezithatha inxaxheba kule nkqubo. Kwelinye icala, amaqonga a banemali ukuya kwezi projekthi zezindlu nomhlaba ngaphandle kokuya kumaziko emboleko. Baza kuba nolondolozo olukhulu kulo mbono ngokuhlawula inzala encinci yokuhlawulwa kwemali abaza kuyabela ezi projekthi. Ngenxa yolu mkhwa, bakwimeko yokuzinikezela kwiiprojekthi ezininzi zezi mpawu.

Kwelinye icala, kukho abatyali mali abancinci abanokwenza ukonga kwabo kunenzuzo ngakumbi kunaleyo yeemveliso ezahlukeneyo zemali ezibanika zona. Ayothusi into yokuba imida yenzuzo isekwe phakathi kwe-2,50% kunye ne-14% malunga. Kwimeko nayiphi na into, ngenzala ephezulu kunaleyo inikwa ziimodeli zebhanki (iidipozithi zexesha, iiakhawunti ezinengeniso ephezulu, amanqaku ezithembiso zebhanki, njl. Kuzo zonke iimeko ezinembuyekezo engagqithi kumanqanaba e-1%. Njengomphumo wemali enexabiso eliphantsi yi-European Central Bank (ECB).

Ngemida ephezulu kunee-equities

Ukuqokelelwa kwearhente yokuthengiswa kwezindlu kunye nokugqitha kunenzuzo eyenziwe yi ingeniso. Akumangalisi ke ukuba kuyaphawuleka ukuba olu tyalomali aluhambi kwelona xesha lilungileyo ngenxa yokungazinzi kweemarike. Kwelinye icala, inokuphucula ukusebenza ngokulingana kwiimeko ezininzi. Ngale ndlela, ayinakulityalwa ukuba isalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35, sixatyisiwe kunyaka ophelileyo nge-8%, ngelixa uninzi lweebhentshi zaseYurophu zenze njalo nge-13%. Ngale ndlela, ukusuka kwindawo ekuthiwa yeyokuxinaniswa kwezindlu nomhlaba, ezi ndawo zisecaleni zinokuphuculwa.

Kuyo nayiphi na imeko, imbuyekezo kolu tyalo-mali lutsha ixhomekeke kwixabiso lendlu ngalo naliphi na ixesha. Kungoko ke Inzuzo yexesha elithile kuba ayizukuhlala ifana kuyo yonke le minyaka. Ngamanye amagama, kwimeko yokwandiswa kolwakhiwo, inokukhokelela kwinqanaba eliphezulu lomvuzo. Ngexa lamaxesha ophindaphindiweyo umdla wakho ungawela kweyona mida iphantsi, malunga ne-1% okanye i-2%. Ngale ndlela, kubaluleke kakhulu ukukhetha ukuba uza kutyala imali nini kwezi projekthi zezindlu nomhlaba. Kungenxa yokuba umahluko ofanelekileyo kwinzuzo unokuveliswa.

Lwenziwa njani utyalo-mali?

Ukuba unomdla wokutyala imali yakho kule klasi yamaqonga earhente yokuthengisa izindlu nomhlaba, awuzukukhetha ngaphandle kokuqonda ukuba yintoni le nkqubo yentengiso. Ewe, okokuqala kuwo onke amaqonga earhente ethengisa izindlu nomhlaba aphetheyo ekubhengezeni iiprojekthi zabo ngamaphepha abo ewebhu. Apho zonke iifayile ze- Iimpawu zeprojekthi nganye. Ukusuka kubaluleko bayo ukuya kwinzuzo enokufunyanwa. Ngaphandle kokulibala ixesha leprojekthi abaza kuyenza ngalo lonke ixesha.

Nje ukuba iprojekthi ikutsalile, kufuneka utyale imali kuyo. Uya kuba nexesha kunye nokuba ekugqibeleni kwakho uya kuba nakho ukubuyisa utyalo-mali kunye nenzala ehambelana nayo. Ayicingelwanga Akukho luhlobo lweekhomishini okanye ezinye iindleko kulawulo okanye kulondolozo lwayo. Nokuba yeyiphi na indlela, imali yeprojekthi inokuba sele igqunyiwe ngentsebenziswano yabanye abatyali mali abancinci nabaphakathi abakwimeko efanayo neyakho.

Ukungafihlisi kolwazi

iiprojekthi

Enye yezona zinto zithandabuzekayo ukuba olu tyalomali lukhethekileyo lubonisa phakathi kwabatyali mali abanokubakho kukuba ingaba le nkqubo ye ukwenza imali ukonga ikhuselekile ngokupheleleyo. Ewe, ukuqinisekisa eli nqaku, awusenaso esinye isisombululo ngaphandle kokuqokelela olu lwazi kwiKhomishini kaZwelonke yoThengiso lweNtengiso (CNM). Ayothusi into yokuba la maqonga okusebenzisana kufuneka athumele lonke ulwazi lwawo kumzimba olawulayo waseSpain. Ke ngoko, kuya kufuneka usebenze kuphela neenkampani ezibhaliswe ngokufanelekileyo. Ukuba akunjalo, kungcono uyeke ukwenza injongo yakho yokutyala imali kwezi projekthi zezindlu nomhlaba.

Kwelinye icala, kuyinyani ukuba okwangoku akukho bukho bunamandla bala maqonga kunikezelo lwangoku lokuthengiswa kwezindlu nomhlaba. Kodwa ubuncinci, ukuba uyathanda ukwanelisa le mfuno ikhethekileyo ukuba ungayibamba nanini na ebomini bakho. Zijolise ikakhulu kwiintloko ezinkulu zesizwe. Umzekelo, kwizixeko ezinje IMadrid kunye neBarcelona ngaphezulu kwezinye. Kungenxa yokuba kanye kwezo ndawo apho iiprojekthi ziphuhliswa khona ukusukela ngoku uya kuba ngumtyali mali omnye.

Ukusebenza kwimisebenzi

Ngayiphi na imeko, yintoni eya kuba nomdla kakhulu kuwe ngumdla onokuwufumana ngale misebenzi yecandelo lokuthengiswa kwezindlu. Bahamba phantsi komtya oguquguqukayo kakhulu onako fikelela kwi-15%. Isizathu esingaphaya kokukholelwa ukuba wamkele naziphi na ezi zindululo zibonelelwa ngala maqonga abambisanayo. Nangona kuya kufuneka ujonge ixesha elimiselweyo lokusebenza. Kuba ngokwenyani, inokuba ukusuka kwiinyanga ezimbalwa ukuya kwiminyaka eliqela apho kuya kufuneka ukuba ufumane umvuzo wakho ofanelekileyo.

Iya kuba ngumdla oya kuwufumana xa i Ukuphela kweprojekthi ukuba ukhethe. Njengoko ubona, akukho kubuya ngokulinganayo nganye nganye. Ukuba akunjalo, ngokuchaseneyo, zenziwa ngeendlela ezahlukeneyo, kuxhomekeke kwiimpawu zazo. Apho enye yezona zinto zibaluleke kakhulu yimeko yepropathi kuba iyakuxhomekeka koku inokuba nomdla omkhulu okanye omncinci.

Iimali ekufuneka zenziwe

dinero

Ukuba into echaza ukuhlanganiswa kwezindlu nomhlaba kungenxa yokuba unokwenza utyalo mali ii-euro ezingama-50 kuphela. Ukulungelelaniswa, ke ngoko, kulo lonke uqoqosho lwasekhaya kwaye njengowona mahluko uphambili ngokubhekisele kwiimveliso eziqhelekileyo zemali. Ngenxa yeli galelo, awuzukufuna ukwenza iinzame ezinkulu zemali ukutyala imali kwezi projekthi. Ngokuchasene noko, inomda ophezulu ongenakudlula kuwo nangaliphi na ixesha. Malunga ne-10.000 zeerandi zeprojekthi nganye oyinikiweyo. Mhlawumbi sesinye sezona zinto ziphazamisayo ekufuneka uzamkele iimeko zabo: ngezixa ezilinganiselweyo kuwo nawuphi na umcimbi.

Ngelixa kwelinye icala, unokukhetha phakathi kweentlobo ezahlukeneyo zeeprojekthi zezindlu. Zombini malunga nokufunyanwa kwezindlu, kunye nohlobo lokurenta. Kuxhomekeke kukhetho lwakho kweli candelo libalulekileyo loqoqosho lwaseSpain. Ngayiphi na imeko, igalelo lakho lemali kufuneka livele kwiakhawunti yakho yebhanki eqhelekileyo. Njengokubuyiselwa kwemali oya kufumana ekuphelisweni kwemigaqo. Kwelinye icala, baya kuncitshiswa ngaphambi kokuba utyikitye ukusebenza kunye neqonga lokusebenzisana.

Iingozi zokusebenza

Inqaku elinye ekufuneka ulithathele ingqalelo ukusukela ngoku ukuya phambili kukuba le misebenzi ayinabungozi. Ngale ndlela, omnye wabatyholwa kukuba akukho akukho nzala iqingqiweyo ayinakuqinisekiswa kwasekuqaleni. Ngokuchasene noko, le yimisebenzi yorhwebo eyenziwe yimithetho yentengiso. Ngobungqongqo obomeleleyo kwimidla onokukunika kwaye iya kuxhomekeka kumzuzu apho uqhuba khona lo msebenzi. Apho elona thuba liya kuba zezona ndaba zilungileyo zokukhusela umdla wakho, kuba umahluko unokuba ngaphezulu kwe-20%. Ke ngoko, kuya kufuneka ukhethe eyona meko ifanelekileyo yokwenza olu tyalomali lube semthethweni.


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