Ingxelo yakutshanje evela kwiNgxowa-mali yeMali yeHlabathi (i-IMF) yenze amathandabuzo malunga noqoqosho lwehlabathi, ngokunciphisa ukukhula kwiindawo eziphambili zeplanethi, kunye nokuchaphazela ukubuyiselwa koqoqosho. Akunanto, yehlise ulindelo lwayo kwiMveliso ePheleleyo yaseKhaya (GDP) yamazwe aphambili. Kule meko yezoqoqosho, ngaba uqoqosho lwethu lunokumisa ukungazinzi kwehlabathi? Zininzi izibane nezithunzi eziphoswe yidatha yoqoqosho entsha.
Zininzi iziganeko ezinokuthi zibe nefuthe kwindaleko yoqoqosho lwaseSpain. Ukusuka kumaxabiso asezantsi eoyile- kwaye ngaphandle kokuphindaphinda ukuba amaxabiso abo anayo kwiinyanga ezidlulileyo- ukuya ukungazinzi kwiimarike zokulingana. Ngeeseshoni zokurhweba ukuba kamsinya nje xa benyuka nge-2%, njengosuku olulandelayo bawe ngamandla afanayo, nangakumbi. Ngaba ezi paramitha zilumkisa ngokwenene ukuba kuza kubakho uqoqosho?
Kwaye ukuba kunye ne-rebound yokuba i-premium yomngcipheko waseSpain uhlangabezana nayo, kunye nokungaqiniseki kwezopolitiko njengesiphumo sokusilela ukwenza urhulumente oza kuprinta izikhokelo zezoqoqosho kule minyaka izayo, akuncedi ukuqinisa ukubuyiselwa koqoqosho lwethu ilizwe. Apho imibutho ephambili yamanye amazwe ikwathobisile amazinga abo okukhula kule minyaka mibini izayo kumazwe angabamelwane.
Zithini izibane kunye nezithunzi ezinokubangelwa yile meko yoqoqosho ekukhuleni kweSpain? Kuyo nayiphi na imeko, ayicetyiswa into yokuphelelwa lithemba lilonke, kuba ingxelo yakutshanje yeNgxowa-mali yeMali yeHlabathi ibonisa ukuba ISpain kuphela kwelizwe emhlabeni eliqikelela ukukhula kwalo lihlaziyiwe laya phezulu, ngokukodwa i-2,70%, okanye yintoni enye, izishumi ezibini ngaphezulu kokulindelweyo kulo nyaka.
Izibane ekubuyiseleni uqoqosho
Zininzi izinto ezincedayo ukudibanisa la manqanaba okukhula. Kwaye kufuneka uthathe ingqalelo, hayi kubudlelwane bakho kuphela njengeentengiso zotyalo-mali, kodwa kwanesimo sakho njengomsebenzisi. Ngokuqinisekileyo baya kukunceda ukuba uphuhlise isicwangciso esichanekileyo sokutyala imali kwiinyanga ezizayo, okoko nje uthathela ingqalelo izinto ezisithandayo kula maxesha athile.
Kwindawo yokuqala, ukuwa kwezinto ezingafunekiyo, ezithi ngokwexabiso lesalathiso ngokubanzi zehle nge-30% ngeli xesha, kwaye eyona nto ibaxekileyo kwimeko yeoyile ekrwada, amaxabiso ayo ngoku akwi-40's. umphanda. Iziphumo zalo zifikelela kuninzi lwabaqhubi abanakho thenga ipetroli kwizikhululo zeenkonzo ngexabiso elisezantsi kuneminyaka nje embalwa edlulileyo. Ngefuthe nakwiinkampani ezixhomekeke kolu luhlu.
Ayibalulekanga kangako kukuba Ixabiso lemali zitshiphu kunakuqala. Ngenxa yesigqibo se-European Central Bank (ECB) ukuya inzala ephantsi, kwaye ushiye kwi-0%. Esi sicwangciso-nkqubo kumgaqo-nkqubo wezemali woluntu sikhokelela kufikelelo olukhulu kwinkxaso mali yeshishini, kwaye okubaluleke ngakumbi, ngexabiso eliphantsi. Kananjalo imali mboleko yakho ebonelelwa ziibhanki ibonisa amanqanaba enzala okhuphisanayo, ungazibeka ngokusemthethweni kwizindululo kwi-6% okanye kwi-7%.
Le meko ikwadluliselwe kwimali mboleko yezindlu. Kule meko, njengesiphumo sokuvela kwesalathiso esiphambili sokwazisa ngobambiso lwemali mboleko, i-Euribor, ethi okokuqala ezimbalini kukwinqanaba elibi. Ngokwenza oko kuya kuthetha ukuba izavenge zenyanga ziya kufikeleleka ngakumbi kwimidla yakho, zibhatale imali encinci kunangaphambili.
Akumangalisi ukuba iibhanki sele zithengise ngemali mboleko ngokusasazeka ngezantsi kwe-1%. Nditsho nezona zindululo zinoburhalarhume zenziwa ngaphandle kwenzala, kwaye ngaphandle kwezinye iindleko kulawulo nakulondolozo lwabo. Njengoko iingcali kwimakethi yokuthengisa izindlu nomhlaba zilumkisa, lixesha elifanelekileyo lokuthenga indlu. Nangona kuya kuba yimfuneko ukuhlalutya ukuba le meko ingagcinwa ixesha elingakanani kwi-Euribor.
Enye into encedisa ukuvuseleleka kwezoqoqosho, ngokungathandabuzekiyo, ukomeleza ukuvuseleleka kwezoqoqosho kwilizwe lethu isuselwe kwi ukomelela kokhenketho kunye nokusetyenziswa kwekhaya, ngokuyinxenye ikwabangelwa kukuwa kwexabiso leoyile. Kufuneka kukhunjulwe ukuba kwiinyanga nje ezidlulileyo inani labatyeleli lenyuke kakhulu. Ukuxhamla phantse kuwo onke amacandelo emveliso: iivenkile zokutyela, iihotele, iinkonzo, ezorhwebo, njl. Ukuba, nokuba kunjani na, ziindaba ezimnandi zokudityaniswa kokubuyiselwa koqoqosho.
Ngokwahlukileyo, le meko ayiboniswanga ngokupheleleyo kwiimarike zokulingana zasekhaya. Nangona isalathiso sokuma ngokugqwesileyo, i-Ibex 35, inyukile kwiinyanga ezidlulileyo, ulumkiso luhlobo oluqhelekileyo kwicala lotyalo-mali oluncinci noluphakathi. Kukho ingqumbo ethile yokutyala imali oyigcinileyo, kuba Ukuguquguquka kwemarike yemasheya yimeko entsha ecingwa ziimarike zezemali. Kuyinyani ekufuneka uyicinge ukusukela ngoku.
Izithunzi ezinokuchaphazela ukubuyela kwimeko yesiqhelo
Ewe, ayizizo zonke iindaba ezilungileyo kuqoqosho lwaseSpain, kuba zikhona ezinye ezikhuthaza ukungathandabuzeki, kwaye oko kunokushukumisa ukuphuculwa kweeparameter eziphambili zoqoqosho lwelizwe lethu. Ngokuyintloko imeko yoqoqosho, kodwa ukufikelela kwezinye izinto ezinxulumene, ngakumbi ezo zezopolitiko. Kuya kufuneka ubathathele ingqalelo ukwenza ukuba utyalomali lwakho lube sesikweni ngeli xesha linzima.
- Eyona ngxaki iphambili isuka kwi- ityala elikhulu loluntu, yenye yezona ziphezulu kwi-European Union, nenokuthi isebenze njengesiqhoboshi ekuhlanganiseni ukubuyiselwa koqoqosho lwaseSpain, njengoko kuphawuliwe ngabahlalutyi abaphambili bezoqoqosho. Kwaye oko kubonakala kukonyuka kwepremiyamu yomngcipheko, ephinda isondela kwinqanaba lamanqaku ayi-160, emva kokuba ingaphantsi kwamanqaku ayi-100 kwiinyanga ezininzi.
- La ukuxhomekeka kakhulu kuthumelo oluya eYurophu, engagqibi ukuphola, yenye yeengxaki zoqoqosho lwethu. Kwaye oko kuyachaphazeleka kwiinkampani ezinxulumene kakhulu nale nkqubo yorhwebo. Ngokuchanekileyo ukwehla kuqoqosho lwasekuhlaleni kunokuba yenye yemiqobo enokufikelelwa kule meko intsha. Ngokukodwa eyinjini yayo ephambili, engeyiyo enye iJamani.
- Kwaye kwinqanaba lesithathu, nangona kungabalulekanga kangako, kukungazinzi kwezopolitiko okunokuchaphazela ukubuyiselwa kwezoqoqosho. Ubuninzi bokwenyani bokuba nge-26 kaJuni iSpanish kuya kufuneka iphinde ivote kwakhona ayincedi nganto ukudala imeko yokuthembana kuqoqosho lwaseSpain. Kwaye oko kungadluliselwa kwiintsuku ezizayo kwiimarike ze-equity, ngokuhla okukhulu kumaxabiso eenkampani ezidwelisiweyo. Ngobukho obuphantsi bokuhamba kwemali okuvela phesheya. Okanye yintoni efanayo, ubukho obuncinci babatyali mali bamanye amazwe.
Izenzo zabatyalomali
Ngokunikwa le meko yokuboniswa kuqoqosho lwaseSpain kwiinyanga zokuqala zika-2016, bambalwa abatyali mali abazibuza ukuba banokwenza ntoni ngolondolozo lwabo. Abazi ukuba lixesha lokutyala imali, kwaye yeyiphi imveliso ethile. Ukusuka kule meko ingaqhelekanga, yenye yeendlela zokuzilolonga ezithandabuzekayo kule minyaka idlulileyo. Apho kungekho sicwangciso sichaziweyo, kude kuso.
Ukukunceda kulo msebenzi, uthotho lweengcebiso malunga nendlela ekufuneka ulutshintshe ngayo utyalomali lwakho lunokuba luncedo kakhulu, kwaye ekubuyiseni kwakho kunokuba yinto enomdla kwimidla yakho njengomgcini. Ayizukuba ngumsebenzi olula, kodwa ubuncinci uya kuba nemibono embalwa yokuhambisa imali kwezi nyanga. Ukuzama ukuyenza inzuzo, nokuba incinci, kodwa soloko kukho ukhuseleko olukhulu kunye nokhuseleko. Iya kuba sisitshixo sempumelelo yemisebenzi yakho kwiimarike.
- Ukujonga iiasethi zemali Inenzuzo enkulu ngawo onke amaxesha, kwaye ayiveliswa kukungazinzi kwiimarike zezemali. Ukusuka kolu luvo, iibhondi zaseJamani naseMntla Melika inokuba sesona sicwangciso-qhinga sokwandisa iiasethi zakho. Ayothusi into yokuba ngabo ababonelela ngokhuseleko olukhulu ngeli xesha. Kwaye ngamathuba angcono okuhlaziya.
- Utyalomali olwahlukeneyo. Ayizukuba bubulumko ukugxila kukhuseleko olunye, isalathiso okanye iasethi yezemali, kodwa kuya kufuneka ufumane iimodeli ezivulekileyo nakweyiphi na imeko kwiimarike zezemali, zombini ezixhasayo kunye nezikhuthazayo.
- Ayizukuba lelona xesha lifanelekileyo lokugxila kutyalo-mali lwakho kwiimveliso ezinobunkunkqele, okanye umngcipheko omkhulu. Ngokuqinisekileyo ngabo unokufumana imali eninzi, kodwa ilahleko enokuthi ivelise ipotifoliyo yakho yotyalo-mali iya kuba phezulu kakhulu. Umngcipheko uya kuba mkhulu, kwaye akufanelekanga ukuthatha isikhundla kule mveliso.
- Ukukhusela izenzo zakho kwiimarike, enye yezona zimvo zibalaseleyo yile dibanisa iimveliso ezininzi, ezinokuchaphazela ii-equities, ingeniso esisigxina, kodwa nezinye iindlela zoyilo. Kwaye ujolise kwabo bakhulisa indlela yokuziphatha efanelekileyo kwiinyanga zokuqala zalo nyaka.
- Isenokuba lixesha lokuba ukungabikho kwiimarike zezabelo, ukubona ukuba benza njani kwezi veki zizayo. Kwaye ukuba unempendulo entle, qala ngokuthatha izikhundla kwiimarike, nangona kungenakuba ndlongondlongo ngokugqithileyo.
- Kwaye okokugqibela, uyakuhlala unokhetho lokutyala imali kukhuseleko olukubonelela ngesivuno esiphezulu. Unokunyuka ufike kwi-8% ngonyaka kwaye uqinisekisiwe. Kwaye okubaluleke ngakumbi, ngaphandle kokuthatha umngcipheko ogqithisileyo kwimisebenzi yakho kwimarike yemasheya. Ngokukhetha okubanzi kwamaxabiso agcina olu phawu.