Zeziphi izithintelo ezimfutshane?

mfutshane

Ukuhamba okucingelwayo kunokubangela ukuba izabelo zokhuseleko okanye ze-asethi eziyimali zilinganise ngamandla amakhulu. Okanye ngendlela eyahlukileyo kule bayayixabisa ngaphezu kwento yesiqhelo. Imalunga ne- ukugqwetha ngokupheleleyo intshukumo emfutshane ukuba phantse ihlala ibenzakalisa abatyali mali abancinci nabaphakathi, njengoko kunjalo kwimeko yakho. Bayabona ukuba kwindawo encinci kakhulu amaxabiso otyalo-mali lwabo ancitshiswe kakhulu. Kwiimeko ezininzi, kungabikho naziphi na izixhobo zokukhusela izikhundla zabo kwiimarike ze-equity.

Ngokuchanekileyo yimisebenzi emifutshane ebonakalise umdla omkhulu emva kwezenzo ezenziwa kwifayile ye- Banco Popular kwezi veki zimbalwa zidlulileyo. Ukuza kuthi ga kwinqanaba lokuba babangele ukuba ixabiso lezabelo zabo liye kumanqanaba angazange abonwe kumaxesha akutshanje. Ngeziphumo ezibonwe ngabo bonke abatyali mali emva ukuthengwa kwenkampani nguBanco Santander ngeyure enye. Ayothusi into yokuba, ngenxa yale meko imbi kangaka, eminye imithombo evela kubathengisi ibhekisele kukungabikho kolawulo yimibutho elawula iimarike zezemali.

Kodwa le meko iphindwe kwakhona, ngoku ngezenzo ze Liberbank baye baba yimixholo yokuhlaselwa ngoqikelelo ngabatyali mali abomeleleyo kwimarike yemasheya. Kwaye zikhokelele ekubeni amaxabiso abo ehle phakathi kukoyika kwabo bonke abaninizabelo. Ke ukuba ixabiso layo lingqongwe kwinqanaba le-0,60 euro ngesabelo ngasinye. Kodwa ngeli xesha, kuye kwakho impendulo eqinileyo evela kubaphathi abalawulayo kwiimarike zezemali.

I-CNMV iyakwalela ukufutshane kwiLiberbank

cnv

Ukuthintela uloyiko phakathi kwabatyali mali, iKhomishini yeSizwe yoKhuseleko kwiMarike (CNMV) kule veki ithathe isigqibo sokuthintela, ukuqala kwangoko kunye nenyanga enye, ukuthengisa okufutshane kunye nokusebenza okufanayo (izithuba ezimfutshane) ezinxulumene nezabelo zeli qela lezemali. Eli nyathelo linenjongo yalo ephambili khusela abanini zabelo Kwizabelo zabatyali zimali abahlasela ixabiso. Ngesicwangciso esilula njengoko kunokuba negalelo lokwehla kwexabiso elidwelisiweyo. Ngokuchanekileyo le nto yenzekile kwiintsuku ezimbalwa ezidlulileyo ngeBanco Popular.

Imalunga nezenzo ezingaphenjelelwa zezi ntshukumo zinamandla kwaye ezinokukhokelela kuzo amaxabiso angaxatyiswanga kakhulu. Akumangalisi ukuba sisicwangciso esijolise ekukhuseleni umdla wabo bonke abaninizabelo. Kuba ngokukuko, ngelixesha apho lingazukukwazi ukucaphula kwiimarike ze-equity, akusayi kubakho luhlobo lotshintsho. Iya kusebenza ukuze ezi ntshukumo zokucingelwa zimiswe kwaye azinakho ukukhokelela kumanqanaba amakhulu eengxaki.

Ikhuselwe yimimiselo yangoku

Esi sigqibo, esibaluleke kakhulu, senziwe ngokuhambelana nemigaqo ye Inqaku lama-20 loMmiselo (i-EU) elingunombolo 236/2012 lePalamente yaseYurophu neBhunga, ka-Matshi 14, 2012, kwintengiso emfutshane kunye nemiba ethile ye-swap default default (Regulation (EU) No. 236/2012). Ke ngoko iyahambelana nazo zonke iimfuno ekufuneka zisetyenzisiwe ngenxa yezi zizathu. Kungenxa yokuba, i-CNMV ingaphakathi kwelungelo layo, nokuba ungayifaka okanye hayi. Kwaye kule meko ithile, igqibe kwelokuba isebenze ukuze iBanco Popular ingaziphindi.

Ewe, ngokukodwa, i-CNMV ivumile oku kulandelayo: ukunyanzelisa ngokukhawuleza phantsi kweSiqendu 20 soMmiselo (i-EU) esinguNombolo 236/2012 isithintelo sokwenza intengiso emfutshane ngawo nawuphi na umntu wendalo okanye wezomthetho kunye nemisebenzi eyila isixhobo semali okanye enxulunyaniswa nesixhobo semali, kwaye isiphumo sayo, okanye esinye seziphumo zayo, kukunika inzuzo yezemali kulowo uxeliweyo wendalo okanye umntu osemthethweni kwimeko apho ixabiso okanye ixabiso lezabelo zeLiberbank , apho i-CNMV ligunya elifanelekileyo kwiNqaku 2 loMmiselo (i-EU) Nomb. 236/2012. Isithintelo siya kugcinwa ixesha lenyanga enye, ukusukela ngexesha lokupapashwa kwayo, nge-12 kaJuni, ngo-2017, kude kube nge-23: 59 pm nge-12 kaJulayi ka-2017, kubandakanya, kwaye inokongezwa ngokuhambelana neNqaku 24 loMmiselo (i-EU) No. 236/2012 okanye iphakanyiswe ngaphambi komhla othethiweyo .

Ukuvalwa kwangaphambili okufutshane

Yifomula eye yaphuhliswa ngamanye amaxesha nakwiminyaka eliqela. Ikhula xa uhlaselo ngokuchasene nokhuseleko okanye iasethi yezemali isenzeka ngezizathu ezahlukeneyo. Ukusuka kwimeko yoshishino lwangaphakathi ukuya kwiintshukumo zokuqikelela ngearhente efanelekileyo yezemali. Ukuthintela ukugqwetha kwiimarike zemali, kuyagqitywa kwelokuba izabelo ungathengisi ngexesha elithile. Ngokwesiqhelo isekwa ngokujikeleza inyanga.

Ngenxa yeli nyathelo ngabalawuli, abanini zabelo ngekhe bakwazi ukwenza nantoni notyalo mali lwabo. Ungazithengi okanye ungazithengisi izabelo zabo, ke imali evela kolu tyalo-mali iya kukhutshwa ixesha elide. Ukuya kwinqanaba lokuba awuyi kubhenela kule mali xa ujongene nemeko ekhethekileyo okanye isidingo sokufumana imali yokuhlawula iindleko zakho eziphambili. Awusenaso esinye isisombululo ngaphandle kwe- linda ukuba iphele le ban kwaye emva koko wenze esona sigqibo sichanekileyo sokukhusela umdla wakho.

Ngokwesiqhelo bavule ixabiso kwakhona ngokuhamba okungalunganga. Ngengqiqo enye okanye enye, kuxhomekeke kwiingxaki ezibangelwa ukunqunyanyiswa kwoluhlu lwazo. Kwenzekile ukuba esi sigqibo sinokuhlala iminyaka eliqela. Njengakwimeko ye ligeza engabhaliswanga kwiimarike zezemali phantse iminyaka emithathu. Apho abatyali-mali babo bengenakukwenza ngezenzo zabo. Nokuba abanayo iminikelo yabo yemali. Kodwa ngokungahambi kakuhle xa iibhanki zamhlawulisa ikhomishini yokugcinwa. Nangona ngesixa-mali esincinci, simele inkcitho eyongezelelweyo kuphuhliso lotyalo-mali lwakho.

Ukujongana neziganeko ezizodwa

Ngayiphi na imeko, ukusetyenziswa kweli nyathelo yiKhomishini yoKhuseleko lweSizwe kusebenze kuphela xa ujongene nemicimbi efanelekileyo. Kwaye akusoloko kukho konke, njengoko ubukhe wakubona kwiminyaka yakutshanje. Ukuya kuthi ga apho bekungumba ophikisanayo kwinxalenye yeearhente ezisebenzayo kwiimarike zezemali. Ukubangela ukuba ivele kuba kwezinye iimeko urhwebo olufutshane aluvumelekanga kwaye kwezinye iimeko zichasene.

Ngayiphi na imeko, eli nyathelo lisebenza ukuzolisa amaxabiso okhuseleko. Into engazalisekiswanga kuzo zonke iimeko, kude nayo. Ngokubhekisele kwinto eyenzekileyo eLiberbank, yonke into ibonakala iyilinge lokuthintela ukuba kungenzeki njengakwiPopayi. Kuba inkqubo ibifana kakhulu kunye nezinto ezininzi ezifanayo kwasekuqaleni. Ayothusi into yokuba ihlala ikhula amaxesha ngamaxesha kwaye kuphela xa ujongene neziganeko ezikhethekileyo ngokwenene. Isiqinisekiso ngokuchasene nemisebenzi yokuqikelela ephuhliswe zizandla ezomeleleyo zeemarike zezemali.

Ngokomgaqo awunakukhathazeka malunga nezi zithintelo. Kungenxa yokuba ithiyori inenjongo yokukhusela umdla wakho njengabatyali mali abancinci nabaphakathi. Ngesiqinisekiso sokuba emva kwethutyana izenzo zakho ziya kudweliswa kwakhona kumgangatho wokurhweba ngokulingana. Ngale ndlela, ukuzola kufuneka kulawule iimvakalelo zakho kwaye kuhlolisise into oza kuyenza xa ubuyela kurhwebo kwiiveki ezimbalwa. Ukuba uthengisa zonke izabelo okanye, ngokuchaseneyo, gcina utyalomali lwakho ngokungathi akukho nto yenzekileyo. Sisigqibo ekuya kufuneka uzenze ngokwakho, nangona ungafuna ingcebiso yengcali kwiimarike zezemali.

Uzijonga njani ezi ntshukumo?

izabelo

Xa kukho ukuvalwa kweebhulukhwe ezimfutshane, awuzukukhetha ngaphandle kokuqeqesha indlela oqhuba ngayo. Ukuze ungonzakali kwimisebenzi eyenziweyo. Ngokusebenzisa imigca yesenzo ekufuneka isekwe kuxolo nakwingqiqo yezigqibo zakho.

  • Ngokomgaqo, awufanelanga ukhathazeke ngokugqithileyo kwaye kuphela linda ukuvalwa kususwe malunga nexabiso lotyalo-mali lwakho. Iya kuba ngumzuzu xa kufuneka uzibuze ukuba zeziphi izigqibo ozenzayo.
  • Kulunge kakhulu ukuba xa kukho ukwehla okunamandla uzama thengisa izikhundla zakho ngokukhawuleza okukhulu. Ubuncinci uya kugcina ukuthengiswa kwemali ukuba ezi meko zikhula kwimarike yemasheya.
  • Akunakwenzeka rhoqo ukuba ezi ziganeko zenzeke, kodwa ngokuchaseneyo ichaphazela amaxabiso athile kwaye imeko yezoqoqosho ayisiyiyo eyodlula zonke.
  • Ihlala ibandakanya iinkampani zomgca wesibini kwaye unemali encinci Ngaphezu kolunye ukhuseleko kwizabelo. Nangona bengenakubekelwa bucala kwezinye.
  • Ukuthintela ezi ngxaki, kucetyiswa kakhulu ukuba Ulwahlulo olwahlukeneyo. Ukuze ungabinayo yonke imali kukhuseleko olufanayo okanye kwimveliso yezemali. Ngale ndlela, uya kuzikhusela izikhundla zakho ngokufanelekileyo.
  • Yiyo indlela yokukhusela ukuze iintshukumo ezinjalo ngequbuliso zinyamalale. Yinto ekufuneka uyivavanyile ukuphelisa amaxhala kwizicwangciso zakho zotyalo-mali.
  • Kwaye okokugqibela, ungazami ukwenza nayiphi na intshukumo kwiimarike zemali kuba Zonke izinto ozenzayo ziya kukhubazeka. Ngaphandle kokuba ukwazi ukwenza nantoni na ukubuyisa imali. De izabelo zibuyele ekuthengiseni kwakhona.

Izimvo, shiya eyakho

Shiya uluvo lwakho

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  1.   UJuan | Umxumi wekhredithi sitsho

    Kule nto bayikhankanyayo ngokubhekisele "kwizabelo zeLiberbank eziye zangumba wohlaselo lokuqikelela ngabatyali zimali abomeleleyo kwimarike yemasheya."

    Ewe, ezi zinto zenzeka kwimeko-bume yesizwe ngakumbi, leyo… yokuqikelela ("ukuhleba") phantse ihlala iphela kakubi. Umzekelo, sinolu qikelelo lubagxotha abatyali mali, kwaye ngenxa yoku lenza lonke iziko lemali liwe.

    Ukutsho ukuba sineBhanki X, ekuthiwa ine-solvency elungileyo kwezoqoqosho kwaye ngaphezulu kwayo kuqikelelwa ukuba yahlaselwa kakhulu ngabagculeli, oku kwintengiso kuyabulala ... kuba ebantwini kuya inefuthe lolawulo oluya kuzisa le nkampani emhlabeni, kuba abantu baya kuyikhupha imali yabo ngenxa yempembelelo.

    Ixabiso leBhanki liwa + ukuzithemba kwimarike yemasheya ilahlekile ... kukuphela koko.