Unyulo eSpain nase-Itali ngaphambi kokuphela konyaka?

Ithuba lonyulo eSpain nase-Italiya olwenzeka ekwindla kuye kwakhokelela kwisalathiso esikhethiweyo sengeniso yaseSpain, i-Ibex 35, ukufikelela kumgangatho ophantsi wonyaka nakumanqanaba asondele kakhulu kumanqaku angama-8.600. Ngokuziphatha okungalunganga kunezinye izikwere zaseYurophu eziye zatyhola nonyulo olunokwenzeka. Ezi ziindaba ezimbi kwimidla yabatyali mali abancinci nabaphakathi kuba ngomnye umbuzo ekufuneka behambise imali yabo kwiimarike zezemali.

Ngayiphi na imeko, zombini ii-equity zaseSpain nezase-Italiya zezona zibuthathaka kwezi veki kwaye zichaphazeleke kakhulu yi Indima ebuthathaka yeebhanki ezophule izixhasi zokubaluleka okukhethekileyo. Licandelo lemarike yemasheya ekufuneka ithintelwe ekusebenzeni de kube kucace ukuba kungakho unyulo eSpain nase-Italiya phambi kokuphela konyaka. Apho kunokwenzeka ukuba i-Ibex 35 ityelele nenqanaba elinamanqaku angama-8.200.

Kuphela ziinkampani zombane eziye zaxhathisa le meko imbi kakhulu kwiimarike zezabelo. Ngaphandle kwezinye izinto eziqwalaselweyo zobuchwephesha kwaye mhlawumbi kude kube kwinqanaba lokujonga izinto ezisisiseko. Kuba, ewe, akukho mathandabuzo ukuba sijamelene nomzuzu obaluleke kakhulu kwiimarike zezabelo. Apho unyulo olunokwenzeka eSpain nase-Itali ngaphambi kokuphela konyaka ngokucacileyo lurhweba phantsi kwaye akwaziwa ukuba le meko ingaqhubeka kude kangakanani.

Ityala lase-Italiya alisasebenzi

Le nkxalabo ikhokelele kwintengiso yabatyali mali baphalaza izikhundla zabo kwityala lase-Itali, bekonyusa isivuno kwiibhondi zakho zeminyaka eli-10 ngamanqaku angama-22, ukuya kwi-1,747%, elona nyuko liphezulu lemihla ngemihla ukusukela kunyaka ophelileyo. Ngelixa kwelinye icala, ayinakulityalwa ukuba isivuno kwiibhondi zase-Italiya sonyuka kakhulu, urhulumente esecicini lokuwa. Imeko ebeka ngokuqinisekileyo olu hlobo lotyalo-mali.

Into efanayo iyenzeka ngamatyala asepheripherali, ngakumbi ityala laseSpain, elililo ibona ukusasazeka ngesiTaliyane. Ngelahleko yenzuzo onokuyifumana kwiimarike zezemali. Ukuza kuthi ga kwinqanaba lokuchaza ukuba ayiloxesha lifanelekileyo lokuvula izikhundla kule asethi yezemali ibalulekileyo.

Unyulo olonyusa amathandabuzo

Amathandabuzo ahlala efunyanwa kakubi kakhulu ngabatyali zimali abancinci nabaphakathi kwaye njengoko unyulo eSpain nase-Itali ngaphambi kokuphela konyaka alunakuba luchuku olukhokelele kwintengiso yesitokhwe yaseYurophu ukuba iqale imeko eyingozi. Kwezi ntsuku okanye kwezi veki kuyacetyiswa ukuba ungabeki kwindawo yentengiso yezemali phambi kwento enokwenzeka ukusukela ngoku. Ngaphaya koko, ngenyanga ka-Agasti, zimbalwa kakhulu izihloko ezitshintshisanayo kwaye le nto inokubangela ukungazinzi okukhulu kwixabiso lezabelo.

Ngelixa kwelinye icala, iimarike zengeniso emiselweyo azizolanga nokuba zezinye zezona zenzakalisayo lonyulo eSpain nase-Italiya phambi kokuphela konyaka. Apho imali ibalekela kwezona bhondi zithembekileyo, ezinje ngeMelika. Olu khetho lokugqibela lolunye lwenzuzo enkulu ngalo mzuzu nangona ingeniso yayo ingabethani kwaphela, kodwa iyasebenza ukugcina imali oyityalileyo. Kwelinye icala, ukuqhubela phambili konyulo oluphindwe kabini kulithathile ixabiso legolide laya kwiindawo eziphakamileyo zonyaka ngokuba yenye yeendawo ezikhuselekileyo zokulunga.

Ngawaphi amacandelo angenza ngcono?

Kule meko, bambalwa kakhulu amacandelo esitokhwe angenza ngcono kunamanye. Omnye wabo ngusokhemesti ohlala esenza ngcono kwezi meko zeemarike zezabelo. Unyulo eSpain nase-Itali ngaphambi kokuphela konyaka lunokunceda izabelo zabo zonyuke kwizikhundla zabo phambi kokuphela konyaka onzima esitokisini. Nangona licandelo elintsonkothileyo kwaye ingakumbi eliguquguqukayo elinokuhamba ngokwahluka kwexabiso eliphezulu kakhulu.

Kwelinye icala, asinakulibala ukuba ekuphela kwecandelo elikhuphukileyo kwezi ntsuku ngumbane. Kungenxa yokuba, ngaphandle kokuba yindawo ekhuselayo ngakumbi, isasaza izabelo phakathi kwabanini zabelo abanomdla ophakathi we-6%. Kuyo nayiphi na imeko, ngaphezulu kunoko kunikezelwa ziimveliso eziphambili zebhanki kunye neemveliso zengeniso esisigxina. Apho umda wolamlo we-2% ungagqithiswanga. Kwaye oku kukhuthaza abatyali mali abancinci nabaphakathi ukuba bakhethe amaxabiso eli candelo lobuchule kuqoqosho lwesizwe.

Ezinye iindlela zokutyala imali

Ngenxa yeemeko apho unyulo eSpain nase-Italiya kufuneka luphindaphindiwe phambi kokuphela konyaka, umbono kwilizwe lotyalo-mali awuthembisi ngalo lonke eli xesha. Akukho zindlela zininzi onokuzenza ukonga kwakho kunenzuzo ukusukela ngoku. Ngaphakathi kwimarike yemasheya yaseSpain ungathatha isikhundla kwizokhuseleko ezibizwa ngokuba lixabiso. Oko kukuthi, ngexabiso elidweliswe ngezantsi kokulindelweyo, kodwa elinamandla aphezulu okuxabisa kunelinye. Ingangutyalo mali lwexesha eliphakathi nelide kwaye apho unokufumana khona inzuzo eninzi ngamaxabiso akhoyo ngoku.

Enye into ekufuneka uyivavanye ngalo mzuzu kanye yile ivela kwinzuzo ephantsi yeebhondi ezizimeleyo. Isisombululo kule ngxaki silele kwikontraki yeebhondi ezivelayo kuba zezona zinokunika imbuyekezo ephezulu ukusukela ngoku. Kodwa ukuthatha umngcipheko ngakumbi njengakwelinye icala kusengqiqweni ukucinga. Kodwa ngabo kuphela abasenendlela ephezulu kwaye banokukunika uvuyo okanye enye kwiinyanga ezizayo. Kungcono ukuba babhalisiwe ngemali yotyalo-mali kwaye inokudityaniswa nezinye iiasethi zemali ukwenza okungafaniyo koku kuthathwa kwezikhundla.

Ukuthengisa ngetyala

Kwiimarike zezabelo asinakulibala nokuba siyakholelwa ukuba ukwehla kwimarike yemasheya kuya kuqhubeka, singazisebenzisa izikhundla ze-bearish. Ngokusebenzisa iimveliso zabatyali zimali kunye nokuthengisa ngetyala kunokuba luncedo kakhulu kwezi meko zangoku. Kodwa ungathandabuzi ukuba ziimodeli zotyalo-mali ezinobungozi ngakumbi kunabanye kuba ungashiya ii-euro ezininzi endleleni.

Ukuba izinto ziphuhla njengoko ucinga, oko kukuthi, ukuwa kwemarike yemasheya, akukho mathandabuzo ukuba unokufumana izibonelelo ezinkulu. Kodwa ukuba oku bekungenjalo, ilahleko ibiya kuba namandla kakhulu kwaye noqoqosho lwakho lwasekhaya alunakukuthwala. Ukuya kwinqanaba lokuba iya kuba yinto eyonakalisayo kwimidla yakho. Emva kwayo yonke loo nto, yenye yeemveliso zemali ezinomngcipheko omkhulu ekusebenzeni kwakho. Ilungele kuphela abatyali mali abanamava ngakumbi kule klasi yokuhamba kwesitokhwe. Ke ngoko lumka kakhulu ukuba uza kuvula izikhundla kwiimodeli eziguqukayo kutyalo-mali. Kungcono ukuba babhalisiwe ngemali yotyalo-mali kwaye inokudityaniswa nezinye iiasethi zemali ukwenza okungafaniyo koku kuthathwa kwezikhundla.

Inkcitho yeSpanish

Inkcitho yomndilili kwikhaya ngalinye yayiyi-29.871 ye-euro kwi-2018, eyayimele ukonyuka kwe-2,3% ngonyaka, ngokweedatha zamva nje zeZiko lezeNkcukacha-manani leSizwe (i-INE). Apho kuboniswa khona ukuba rhoqo, oko kukuthi, kususa isiphumo samaxabiso, inkcitho ephakathi kwikhaya ngalinye ikhule nge-1,4%. Kwinxalenye yayo, Inkcitho yomndilili yomntu ngamnye yayizii-euro eziyi-12.019, ngokunyuka kwama-2,5% xa kuthelekiswa nonyaka ka-2017. Umahluko ngokwamaxesha onke wawuyi-1,6%. Ngokwenxalenye yayo, inkcitho iyonke yayo yonke imizi ehlala eSpain, ilinganiswe ngokwemeko yangoku, inyuke nge-3,0%. Ngamaxesha onke, ikhule nge-2,0%, ngokweedatha ezisemthethweni zakutshanje.

Ngale ndlela, kufanele kuqatshelwe ukuba umyinge wenkcitho kwikhaya ngalinye unyukile kuninzi lwamaqela ahlalutyiweyo. Abo babhalise ukukhula okubaluleke kakhulu kwaba:

  • Imfundo, ebhalise ireyithi yonyaka ye-11,2% ngenxa yokunyuka kwenkcitho kuwo onke amacandelo ayo.
  • Ezezindlu, amanzi, umbane, irhasi kunye nezinye izinto zokubasa, ngomlinganiselo we-4,6% xa kuthelekiswa nowama-2017, nto leyo ebonisa ukwanda kwenkcitho ngokubanzi.
  • Ezonxibelelwano, inkcitho yazo inyuke nge-3,7% ngenxa yokunyuka kwezixhobo kunye neenkonzo zefowuni.
  • Ezothutho, ngokwahluka kwe-3,4% kukhuthazwa kukwanda kokuthengwa nokusetyenziswa kwezithuthi nakwiinkonzo zothutho.

Ngokwenxalenye yabo, amaqela apho umndilili wenkcitho kwikhaya ngalinye anciphise uninzi lwawo:

Impahla nezihlangu, inkcitho yazo iye yancitshiswa nge-3,4%. Oku kuncipha kwenzeka kokubini iimpahla kunye nezihlangu.

Iziselo ezinxilisayo kunye necuba, ngezinga le -3,2% xa kuthelekiswa nonyaka ophelileyo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
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