Phakathi nezinsuku inkomba ekhethiwe yemakethe yamasheya yaseSpain yehle ngamandla athile, ngeshwa kubatshalizimali abaningi nabaningi abafake imali abayigcinile. Uma ubheka izinyanga ezintathu zokugcina zonyaka, umbono awunalo ithemba kakhulu. Lapho enye yezinjongo zayo kuzoba ukubekezelela izinga elibalulekile le- Amaphuzu we-9.000. Ngoba uma lokhu kungafinyelelwa, ukwehla kwehla kuqinisekisiwe ngonyaka olandelayo. Kuze kube seqophelweni laleli kota lokugcina lonyaka kuzobaluleka kakhulu kunaseminyakeni edlule.
Ngaphezu kwalokho, umuzwa we abatshalizimali ungenye yezindawo eziphansi kakhulu eminyakeni yamuva futhi umbono wakhe ukuthi izimakethe zokulingana zizoqhubeka ukwehla kuze kube sekupheleni konyaka. Akumangalisi ukuthi lezi zikhundla ezimfushane zibekwa ngokukhanyayo okucacile kubathengi nangevolumu ephansi yezivumelwano. Ngoba izindaba ezikhiqizwa ezimakethe zezezimali azithandeki ngabenzeli abahlukahlukene bezezimali.
Ukukusiza ukuthi uhambise utshalomali lwakho kulezi zinyanga olubonakala luyinkimbinkimbi kakhulu kithi ukuthi sisebenze emakethe yamasheya, akukho okungcono ukwedlula ukuveza ukuthi ubuthakathaka bakho buyini. Kepha ngaphezu kwakho konke ukuklelisa ukuthi yimaphi amaqiniso azobaluleke kakhulu ekuguqukeni kwezimakethe zezimali zikazwelonke. Ngokuya ngabo, akukho okunye ongakwenza ngaphandle kokusebenzisa isu elilodwa noma elinye ukwenza imali yakho inenzuzo kusukela manje kuqhubeke. Aziveli kuphela emkhakheni wezomnotho kuphela, kepha futhi zivela ku umbono wezepolitiki ngisho nomphakathi.
Ukuphela konyaka: ukwandisa inzalo
Vele, ukukhuphuka kwamanani entengo endaweni ye-euro akuhambisani nokuzinza kwezimali zaseSpain. Lesi ngesinye sezizathu eziyinhloko zokuthi sehle kanjani ezinyangeni ezedlule futhi ikakhulukazi kusukela kuleli hlobo eledlule. Ambalwa kakhulu amanani amasheya ahlala ethembekile ngalesi sikhathi futhi kunoma yisiphi isimo ngeziphakamiso ezingaveli ku-Ibex 35, kodwa ezivela kuma-indices wesibili. Ngezinkampani imisebenzi yazo eyenzelwe i utshalomali lokuqagela ngaphezulu kokunye ukucatshangelwa kwezobuchwepheshe futhi mhlawumbe kusuka kumbono oyisisekelo.
Abanye abahlaziyi bezezimali bakholelwa ukuthi kumongo ojwayelekile wokunyuka kwezinga, inkomba ekhethiwe ingaba njalo ngaphansi kwamaphoyinti angu-8.500 XNUMX. Isimo esingaholela ekulahlekelweni yimali eningi uma ngabe uthenga izikhundla. Kunoma ikuphi, kunento eyodwa eqinisekile futhi ukuthi kulezi zinyanga ezisele kuze kube sekupheleni konyaka uzoba nethuba lokuthenga ngamanani aphansi kakhulu. Futhi enye yalezi zinto ivela ekuhoxisweni kwesikhuthazo ngabaphathi bezezimali bezwekazi elidala.
Ukwehla kokukhula
Enye imininingwane ayinikeza abatshalizimali ukunciphisa izilinganiso zokukhula komnotho. Hhayi esikalini sikazwelonke kuphela kodwa nangaphandle kwemingcele yethu. Ngaphandle kwe United States futhi imakethe yakhe yamasheya iqhubeka ngokuya phezulu, ngokuqopha okukhulu. Mhlawumbe isisombululo sokulungisa le nkinga ekutshalweni kwemali silele ekushintsheni imakethe yezezimali futhi ikakhulukazi siye kolunye uhlangothi lwe-Atlantic. Kuzoba yindlela entsha yokuvikela imali yakho ezinyangeni zokugcina ezisele zonyaka.
Ngakolunye uhlangothi, kunengozi enkulu yokuthi kungavela inkinga yezomnotho, yize ingenayo incazelo yobukhulu bayo. Okuthile ngandlela thile kwehliselwe intengo yesitoko. Ngoba njengoba wazi kahle, izimakethe zezezimali zilindela iqiniso langempela lomnotho wezwe noma lendawo. Futhi ngalo mqondo, izibikezelo ziba kakhulu okungekuhle. Ngemuva kokuthi i-Ibex 35 ibe yinde ngokuvuka okuqhubekayo. Lesi ngesinye isici esingasinda emakethe yamasheya aseSpain eminyakeni emithathu edlule yonyaka. Kufanele okungenani ucabange ngalesi simo esingesihle lapho abatshalizimali abanolwazi oluningi ezimakethe zezimali badlala khona.
Ukungazinzi kwezepolitiki
Isimo sezepolitiki kwamanye amazwe we I-European Union Kubuye kube yingcuphe ukuze amasheya anganyuki engxenyeni esele yonyaka. Akumangalisi ukuthi akunqatshelwe ngaphandle ukuthi inkinga enkulu ingadaleka ngaphakathi kwendawo ye-euro nokuthi kungaba yingozi enkulu kwenzalo emakethe yamasheya. Kuyinto ebuye ihwebe kulezi zinsuku futhi ithonya le-Italy libaluleke kakhulu kwizimali ezweni lethu. Ukujula ngokujulile ekulahlekelweni nokuba ngenye yamasheya ezwekazi elidala okuthinteka kakhulu yilesi simo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa ukuthi uzophila izinqubo zokhetho efanele kakhulu futhi enganquma ukuvela kwezimakethe zokulingana zaseYurophu. Ngaphezu kokunye ukucatshangelwa, kufaka phakathi imiphumela yebhizinisi yezinkampani ezibalwe emakethe eqhubekayo. Mayelana nalokhu, kubaluleke kakhulu ukuthi wazi ukuthi ukhetho luzobanjwa ezinyangeni ezizayo ezizobaluleka kakhulu ekusaseni lezikhungo zomphakathi. Futhi lokho ngaphandle kokungabaza kungaba yimbangela yokuqhubeka kokuwa ezimakethe zezimali.
Ukulungiswa okunzima kakhulu
Vele, akubalulekanga kangako ukuthi izimakethe zamasheya zibe nokuningi ngokweqile ekukhuphukeni kweminyaka yamuva. Lapho kungekho ukukhetha ngaphandle ingcindezi yokuthengisa iphutha ukulungisa umthetho wokunikezela nokufunwa nakulezi zimpahla zezimali. Akumangalisi ukuthi ezinye izimakethe zamasheya ziye zakwazisa ngaphezu kuka-50% futhi lokhu kweqisa kufanele kulungiswe kuzo zonke izimo zezomnotho nezezezimali. Ngoba kunesisho emakethe yamasheya esithi "akukho okwenyuka kuze kube phakade" njengoba kukhonjisiwe ekuzivocavoca kwangaphambilini.
Umbuzo omkhulu ukuthi lokhu kulungiswa okubonakalayo kuzohamba kude kangakanani ezimakethe zezimali. Ngoba akukho kungabaza ukuthi ingxenye enhle yeminikelo yemali eyenziwe yizo zonke izinhlobo zabatshalizimali isengozini. Kufinyelela ezingeni lokuthi njengamanje ubona ukuphambuka kwemali maqondana nezinye izimpahla zezimali. Hhayi kuphela emholweni ongaguquguquki kepha futhi nakwezinye izimali. Into ebingakaze ibonwe iminyaka eminingi. Njengesibonakaliso sokuthi kukhona okungenzeka ngesikhathi esingalindelekile, njengoba kwenzeka ngenkinga yezomnotho yowezi-2007 nowezi-2008.
Ukweqa esikweletini somhlaba
Esinye isici esichaza ukusebenza okubi kakhulu kwemakethe yamasheya kulezi zinyanga ezimbalwa ezisele zonyaka sivezwa iqiniso lokuthi isikweletu esikhulu abasiqongelelayoHhayi izinkampani ezithengiswa esidlangalaleni kuphela, kepha ikakhulukazi izifundazwe. Isibonelo esihle salesi simo esikhathazayo simelwe yiSpain. Ngamazinga esikweletu asondele kakhulu ku-100% futhi ngalezi zinto kuyinkimbinkimbi kakhulu ukuthi imakethe yamasheya ikhuphuke noma okungenani izinze emazingeni ayo entengo.
Ngakolunye uhlangothi, akunakulibaleka ngalo mzuzu nje ukuthi umnotho waseSpain uphakeme isikweletu emindenini yaseSpain. Kuze kube seqophelweni lokuthi isikweletu sithathe kokunye ukusebenza okuvame kakhulu, njengokuthengwa kwabathengi, izidingo zomndeni noma izinkinga zokuziphilisa. Lokho kusho ukuthi, uhlelo lonke oluyinkimbinkimbi olungeke lunikeze amaphiko emali ukuthuthukisa amanani entengo ezinyangeni ezedlule futhi engachaza isimo esiveza njengamanje, ekukhathazekeni kwabasebenzisi abaningi kwimikhiqizo yezezimali noma yokutshala imali.
Inkinga yezomnotho engenzeka
Njengesimo sokugcina okufanele usikhumbule ezinyangeni zokugcina zonyaka iqiniso lokuthi akunqamuli lutho ukwehla komnotho. Lokhu kumenyezelwa ngamanye amanxusa ezomnotho afanele kakhulu, hhayi kuzwelonke kuphela kepha nakwamanye amazwe. Lapho ungalahlekelwa khona okuningi emakethe yamasheya kunokuwina. Akusizi ngalutho inhloso yakho enkulu yokutshala imali kusuka manje kuye phambili kuzoba ukugcina imali oyongile ngaphezu kwezinye izinto ezibhekwayo. Njengesibonelo, inzuzo ongayithola ngemikhiqizo yezezimali futhi ikakhulukazi kokutholakala emakethe yamasheya.
Kunoma ikuphi, kuyisimo okungenzeka sibhekwe ngabomvu futhi esingabazayo ukuthi singathinta izimakethe zezimali. Ngalesi sizathu kuphela, kufanele uqaphele kakhulu kunanini ngaphambili futhi unikeze okuncamelayo kwimikhiqizo ekhipha imbuyiselo engaguquguquki futhi eqinisekisiwe minyaka yonke futhi noma ngabe lokhu kusebenza kungaba kuncane kangakanani. Akumangalisi ukuthi uzibeka engcupheni eyeqile kuzo zonke izinzwa zokutshala imali. Ngalo mqondo, akufanele ulinge inhlanhla yakho ngoba imiphumela yayo ingalimaza ngayo yonke indlela. Njengoba bexwayisa kulezi zinsuku ingxenye yezinhlaka zezomnotho ezifanele kakhulu. Manje kuzodingeka ukuqinisekisa ukuthi zizogcwaliseka yini.
Bangani, ngincoma kakhulu inkampani iSin Impuestos. Kuhle kakhulu futhi kunikezelwe ukuhlinzeka ngezinsizakalo ezingasolwandle ezisivumela ukuthi sivikele izimpahla zethu, senze izimali, sithuthukise ibhizinisi lamanye amazwe, phakathi kwabanye. Kube kuhle kakhulu kimi!