Konke okusatshwa abatshalizimali kufezekile kulezi zinsuku. Akuyona enye into ngaphandle kokwehla kwamanani okuthiwa yiCatalonia ezimakethe zezimali. Ngokuziphatha okubi kakhulu kunezinye izinkampani ezingasunguliwe kule ndawo. Kuze kube seqophelweni lokuthi kubonakale sengathi sebekhona baningi abatshalizimali abahlehlisa isikhundla salokhu iziphakamiso zesitoko. Unjalo-ke umthelela wale nhlangano yezenhlalo nezepolitiki ukuthi ukulahleka kwesilinganiso sokulinganisa kuzwelonke, i Ibex 35, ziholwa ngqo yilezi zinkampani. Ngalezi zinsuku bawile ngamandla amakhulu kunabanye. Ngokuncipha kwenani ngisho nangaphansi kuka-2%.
Ngaphakathi kwale panorama yempilo yaseSpain, kunzima ukubheja ezinkampanini ezifakwe ohlwini ezinezixhumanisi noma ezinekomkhulu labo eCatalonia. Ungathinteka ukungazinzi ngaphezu kokujwayelekile. Njengoba kwenzeka ngezikhathi zokuhweba zakamuva. Yize kwasekuqaleni ngeke ube nokhetho ngaphandle kokubona lawa magugu. Kodwa-ke, kwezinye izimo kuzoba ngumsebenzi olula ngoba usezindebeni zawo wonke umuntu futhi zimele kakhulu imikhakha yazo.
Kepha akugcini ngokuthinteka ngokulingana ikakhulukazi imakethe yamasheya yaseSpain. Kepha ngokuphambene nalokho, okwenzekayo eCatalonia kungahle kugcine kungcolise ukubalwa kwesikweletu somphakathi noma ngisho ne-premium premium. Okwabo imiphumela emibi Bangaphezu kwalokho ongakucabanga kusukela ekuqaleni. Kuzoba yisikhathi lapho ukuhlakanipha nokuqapha kuzoba yimpahla eyigugu kakhulu maqondana nezwe lemali nokutshalwa kwezimali. Lapho uzoba nokuningi kokulahlekelwa kunenzuzo kula masonto.
Amabhange atholakala eCatalonia
Vele, omunye wemikhakha ethinteke kakhulu ukubhenka. Kumelwe izikhungo ezimbili ezihola phambili zezezimali, njenge IBanco Sabadell neCaixbank. Amasheya ayo awe phakathi nalezi zinsuku ngaphezu kwesilinganiso sama-indices esitokisi. Uma bekuvele kuyingxenye ethile eyingozi ngezinhloso zakho ukuvula izikhundla, kunjalo kakhulu manje. Akumangalisi ukuthi maduzane bangakhula nokwehla kwesisombululo esiyinkimbinkimbi. Ngaphandle kokuthi kuzona zozimbili lezi zigaba kusabalalisa izabelo phakathi kwabaninizabelo.
Ngakolunye uhlangothi, awukwazi ukukhohlwa nganoma iyiphi indlela ukuthi ukucabanga Ibex yaseCatalonia ifaka imali yemakethe esondele kakhulu kuma-euro ayizigidi eziyi-100.000. Kepha nge-caveat ebaluleke kakhulu ukubhekisisa kusuka manje. Akukona okunye ngaphandle kokuthi amanani aso ahamba endaweni enhle selokhu kuqale unyaka. Ngaphandle kweGas Natural kuphela, okuyiyona kuphela inkampani efakwe ohlwini okwamanje ekhombisa intengo kumasheya ayo angaphansi komaki ngoDisemba 2016.
Kuze kube seqophelweni lokuthi konke bekujwayelekile ngokuphelele. Kepha kuleli sonto izinzwa zithathe izinqumo zabatshalizimali abancane nabaphakathi. Lapho kuthengiswe khona ukuthenga. Yize kungenjalo ngamandla angalindeleka ezimeni ezinjalo ezihlukile. Kodwa-ke, kunento eyodwa futhi lokho ukuthi izimakethe zikazwelonke azikabi nezwi lokugcina. Njengomphumela wezehlakalo esibhekene nazo, kunokwesaba ukuthi bazoya ezenzweni ezimbi kakhulu.
Ukuziphatha ezimakethe
Kunoma ikuphi, izinkampani ezinkulu ezifakwe kuhlu lwesiCatalan seziqala ukukhombisa inselelo enkulu enanini labo okwamanje futhi zijabulele ukwehla okuphezulu kokukhetha kweSpain. Enye yemibuzo abanye abahlaziyi bezezimali abazibuza yona ukuthi ngabe lesi simo izoqhubeka emasontweni ambalwa ezayo. Noma uma, kunalokho, konke kuzobuyela kokujwayelekile. Kuzoba yinto esizokwazi ngokuqinisekile ngezinsuku ezizayo. Okwamanje, kulula kakhulu ukuthi uyeke noma yiluphi uhlobo lokunyakaza ezimakethe zezimali. Futhi kakhulu ukuthatha izikhundla kulezi zikhathi ezinzima ukuzihlobanisa nezwe lemali.
Impela irekhodi alivusi ithemba elikhulu kwabanye babatshali zimali. Kepha ngokuphambene kunjalo ukunciphisa izikhundla zabo ezokuphepha ezinokuxhumeka okukhulu kweCatalonia. Kunoma ikuphi, abahlaziyi abanenani elikhulu emakethe yezezimali babheja ukuthi umthetho ekugcineni uzonqoba. Uma kunjalo, bekungeke kube khona uhlobo oluthile lomthelela kumanani axhumene kakhulu neCatalonia. Yize kunjalo, yebo, konke ukungabaza okungenzeka kube khona kulezi zikhathi ezinzima. Kuyiphuzu elihle lalezi zikhathi imali engenayo kazwelonke edlula kuyo.
Umthelela kumali engenayo engaguquki
Hhayi kuphela imakethe yamasheya engabandakanyeka kulokhu kuhamba. Kepha futhi emikhiqizweni ehlukene exhunywe kumali engaguquki futhi ikakhulukazi kwi isikweletu somphakathi noma ngisho ne-premium yengozi ekhuphuka ezikhundleni phakathi nezinsuku zokugcina. Ngalo mqondo, ukuvela kwamabhondi kazwelonke kuthola ukunakwa okukhethekile. Inkomba ethembekile kakhulu yemizwa phakathi kwabatshalizimali abakhulu. Yebo, ukuvela kwayo kube kubi kabi ngalezi zinsuku ngenxa yokungazinzi kwepanorama yaseCatalonia. Kufike ezingeni lokuthi ilahlekelwe yinani ezimakethe zezezimali.
Kulesi simo, ukusebenza kwesibopho seminyaka eyishumi yaseSpain bekungekho okwenelisa kakhulu kula masonto. Ngokuwa futhi esikweletini esizimele sendawo ye-euro, njengesibonakaliso salezi zingxabano eCatalonia. Yebo, ibhondi kazwelonke ithengise ngesaphulelo esiseduze no-2% ngalezi zinsuku. Kunoma ikuphi, umthelela wenselelo yokuhlukanisa isiCatalan esikweletini esikhulu saseSpain awuzange usebenze kakhulu. Endalini yaleli sonto, uMgcinimafa ubeke Izikweletu zezinyanga ezi-3 ngesilinganiso esimaphakathi -0,485%. Kepha okubaluleke kakhulu yilokho ongakwenza ezimakethe zezezimali emasontweni ambalwa ezayo. Lapho ngaphandle kokungabaza ukunyakaza kungalolwa kusukela kulezi zikhathi.
Khuphuka ku-premium yengozi
Omunye umphumela wokukhula komphakathi eCatalonia kube ukukhuphuka kwemali ekhokhelwa ubungozi. Kuze kufike ezingeni lamaphuzu esisekelo ayi-135, abengakaze abonwe eminyakeni edlule. Lesi sici singadala ukuthi imali yokutshala imali isuselwe kumholo ohleliwe ulahlekelwe yinani kusuka manje. Ikakhulu, labo abacabanga lokhu kungenzeka ngaphakathi kohlaka lwabo. Manje kuzodingeka ukubheka ukuthi ngabe lokhu kubuyela emuva ku-premium yengozi kucacisiwe noma kungasekelwa ngokuhamba kwesikhathi. Ngisho ukukhuphuka izikhundla eziphakeme ukusondela amazinga asondele kumaphuzu ayisisekelo angama-200. Kungenye into okufanele uyiqaphele ezimakethe zezezimali.
Kunabahlaziyi abaningi bezezimali abaziyo ngale parameter yezomnotho efanelekile ukuqopha imiphumela yenhlekelele eyenzeka eCatalonia. Ngoba ngombono wakhe kuzoba yisibonakaliso esinenhloso kunazo zonke zethonya lalezinhlangano ezithanda ukwahlukana. Bakusho konke ukuthi bazothatha isinqumo esinqunyiwe kunamanani entengo yokuphepha kweCatalan emalini yaseSpain. Ngomugqa obomvu ongaba kumaphoyinti ayisisekelo ayi-150. Ngaphezu kwalokho, i-premium yengozi ingaba yinto esiza imakethe yamasheya ukuthi ikhuphuke noma yehle kusuka manje. Ngezigameko ezinkulu kunezinye izimo umnotho wezwe odlule kuzo.
Isimo esivamile semakethe yamasheya
Kunoma ikuphi, izimali zaseSpain zihamba ngomzuzu obucayi ngenxa yokungabaza okuningi okuqhamuka kubatshalizimali abancane nabaphakathi. Ngale ndlela, imicimbi yaseCatalonia ingamela i izaba zokuphuma unomphela ezimakethe zezezimali. Noma okungenani ukunciphisa izikhundla kusuka ezindleleni zokuzivikela ezingaphezulu. Njengecebo lokukunikeza ukuphepha okukhulu ezinyangeni ezedlule ukuze lo nyaka onzima uphele cishe kuzo zonke izimakethe zezezimali.
Ngoba kuzodingeka kakhulu lokho ube nezimali kusukela manje kuqhubeke. Ngaphandle kwenjongo ngaphandle kokusebenzisa amathuba webhizinisi azokuvela nakanjani. Hhayi kuphela emakethe yamasheya, kodwa engxenyeni enhle yezimpahla zezimali ezinenkontileka kakhulu emhlabeni. Inkinga kuphela ozoba nayo ukuthola isikhathi esifanele sokuthatha izikhundla. Ngoba ngokuya ngalawa mazinga, ungenza imisebenzi yakho izuze kakhulu. Lokho wukuthi, ekugcineni kosuku, umgomo ozibekele wona ebudlelwaneni bakho bokutshala imali.
Ithemba elihle kakhulu ongaba nalo ngekota yokugcina yonyaka ukuthi lendabuko rally kaKhisimusi. Lokho cishe njalo kunika umfutho obalulekile kuzilinganiso. Ngokubuyekezwa okungathuthukisa amamajini asungulwe ngo-10%. Uma nje ikhiqizwa njengakwizivivinyo zangaphambilini. Yize kuzoncika ekuphakameni kwayo nakumanani akhethwe kulo mcimbi okhethekile. Lapho, naphezu kwakho konke, kungesinye sezikhathi ezilindelwe kakhulu zonyaka. Okungaphezulu kakhulu kunangezikhathi zokwehla.