Akubanga yinto entsha, ngoba bekuyizindaba ezilindelwe izimakethe zezezimali ngakho-ke ngabo bonke abatshalizimali. Yebo, uBanco Santander uthathe isinqumo sokuqalisa ukwenyuka kwemali eyinhloko okufinyelela kuma-euro ayizigidi ezingama-7.072, ngesaphulelo esingu-17,75%, esizosekela ngaso ukuthengwa kwakamuva kweBanco Popular. Ngakolunye uhlangothi, izonikeza imininingwane ethe xaxa ngalo msebenzi obalulekile wokwenza imali ezinsukwini ezizayo.
Lo mcimbi wezinkampani usho ukuthi ibhange eliphethwe ngu-Ana Patricia Botín lizokhipha inani eliphelele lamasheya amasha ayi-1.458 zesigaba esifanayo nochungechunge njengezikhona futhi ngelungelo lokukhetha elikhethekile yabaninimasheya bamanje. Lezi yizindaba ezithinta kokubili abaninimasheya bamanje bebhizinisi lezezimali, kanye nalabo abalinde ukuthenga amasheya eqenjini lezezimali kusukela manje kuqhubeke. Umbuzo omkhulu walokhu kukhushulwa kwemali enkulu ukuthi ngabe kuzozuzisa yini izintshisekelo zabatshalizimali abancane nabaphakathi.
Ngalo mqondo, uma usuvele ungumninimasheya weBanco Santander, kufanele wazi ukuthi uzokwazi ukubhalisela isabelo esisha kuwo wonke amasheya ayi-10 onawo njengamanje. Ngenani lentengo lama-euro angu-4,85 ngesabelo ngasinye, okuyisenzo esimele isephulelo esingu-17,75%. Kunoma ikuphi, nangolwazi lwale nhlangano yenkampani, kungaphansi kokuvunywa. yencwajana ehambelana neNational Securities Market Commission. Futhi ungakhohlwa ukuthi kuleli kota, ibhange lizosebenzisa inkokhelo yesabelo sendabuko eliyabe phakathi kwabaninimasheya.
Ukunwetshwa kweSantander
Kunoma ikuphi, awukwazi ukukhohlwa ukuthi kunemigomo ethile yokuba yingxenye yalokhu kukhushulwa kwemali entsha. Ngoba impela, uma umbono wakho uzoya kuwo, uzokwazi ukukwenza esikhathini sezinsuku eziyi-15 phakathi kukaJulayi 6 noJulayi 20, 2017. Kulinganiselwa ukuthi izenzo ezintsha qala ukuhweba kusuka ngoJulayi 31. Ngobusha obuzokwazi ukuthola izabelo ngamasheya amasha athengiwe.
Ngokuphathelene nezabelo, ibhodi labaqondisi limemezele inhloso yalo yokuphakamisa isabelo esikhokhiswe ku-2017 sama-euro angu-0,22 ngesabelo ngasinye. Ngokubuya okungaguquki nonyaka okungaba ngu-5% futhi enye yezinto ezibaluleke kakhulu ezilinganisweni zikazwelonke. Kuze kube seqophelweni lokuthi likwazi ukuthatha iqembu elikhulu labathengisi elinephrofayili elondolozayo phakathi kwabaninimasheya. Njengoba kunjalo ngamanye amabhange abhalwe emakethe yamasheya, njengakwi-BBVA ethile.
Imiphumela yebhizinisi
Futhi isitatimende semali engenayo sikaSantander asikhohliwe ukuze ukhethe ukwamukelwa kwalokhu kukhushulwa kwemali okubalulekile. Ngoba impela, ekupheleni kwale nyanga kaJulayi wethule ama-akhawunti ahambisana nesemester yokuqala yonyaka. Lapho, ngaphandle kokungabaza, kunganikeza umkhondo ongajwayelekile mayelana nemisipha yezezimali yebhizinisi. Futhi ngubani owaziyo ukuthi angakhetha ukuthengwa kwamasheya akhe noma ngokuhlukile ngaphansi kwecebo elisuselwa ekuhlehliseni izikhundla ezitholwe ezinyangeni ezedlule.
Kusukela kulesi simo, izibikezelo zale miphumela yebhizinisi zikhomba ukuthi iBanco Santander ithole inzuzo engenzeka cishe Ama-euro ayizigidi ezingama-3.600, okusho ukuthi ngaphezulu kwama-24% kunangesikhathi esifanayo sonyaka odlule. Konke ngaphandle kokuthi izindleko zikhuphuka ngaphansi kwe-4%, kanti izinzuzo ezenziwe ngamakhomishini zilinganiselwa ukuthi zikhule ngaphansi kwamazinga angaphezu kwe-10%. Noma ikuphi ukuphambuka kulawa ma-akhawunti kungaholela ekwandeni kokushintshashintsha kwamanani ezabelo zawo. Ngandlela thile noma ngokuya enjabulweni yabathengi nabathengisi, ngokulandelana.
Kuzoba futhi imininingwane yokubaluleka okukhethekile ukunquma ukuthi ngabe kulula yini ukuya kulokhu kwenyuka kwemali okuzoqala. Yize ekugcineni kuzoba yisinqumo somuntu siqu ukuthi abatshalizimali abancane nabaphakathi kuzofanela basenze. Esikhathini sonyaka nje esiyinkimbinkimbi njengezinyanga zasehlobo. Lapho abaningi babo banquma ukuphumula imisebenzi yabo ehlobene nezwe lemali. Kunoma ikuphi, kungenye indlela oyinikezwa wena ukuze wenze iminikelo yakho yezezimali ibe nenzuzo.
Izinzile kuma-euro ayisithupha
Okwamanje kusetha intengo ezungeze umgoqo wama-euro ayisithupha ngesabelo ngasinye. Nge- inzuzo yaminyaka yonke icishe ibe ngama-21%. Kukuyiphi enye yezimbuyiselo ezibaluleke kakhulu zamasheya kazwelonke. Ngaphezulu kwamanye amabhizinisi wezezimali ngisho nezinye izinkampani ezifakwe kuhlu ezinesisindo esithile ku-Ibex 35. Akumangalisi ukuthi unyaka we-2017 ungunyaka omuhle wezintshisekelo zebhizinisi. Okuthile abahlaziyi bezezimali abambalwa kakhulu ababenakho ekuqaleni konyaka.
Kunoma ikuphi, amathemba ayo aphezulu kakhulu, ngokusho kwesibikezelo sabanye abahlaziyi bezezimali. Nge- kuze kufike ku-20% ikhono elibheke phezulu kwezinye zezibikezelo ezinhle ngokwengeziwe. Kuzo zonke, kokuningi kwazo zingaphezu kwezintengo zazo zamanje. Kanye nakho konke ukubuyisa abakukhiqizayo ngokuqoqwa kwezabelo njalo ngonyaka ngendlela ehleliwe neqinisekisiwe. Ukufika ezingeni lokuthi lingenye yamanani anconywe kakhulu ngabenzeli bezezimali. Ukwenza ingxenye ezinzile kuphothifoliyo yokutshala imali emiselwe wonke amaphrofayili wabatshalizimali. Kusukela kunolaka kakhulu kuya kokulingene kakhulu ezindleleni zabo ezihlobene nezwe lemali eliyinkimbinkimbi njalo.
Futhi ungakhohlwa ukuthi amasheya eSantander asesezingeni eliphakeme kakhulu ngezikhathi zokuhweba zakamuva. Lapho kuhweba khona eduze amazinga ama-euro ayisikhombisa kusabelo ngasinye. Ngenkathi ubuncane bayo bukude kakhulu nezikhundla okuthi. Ngokuqondile, weza ukuvakashela amazinga asondele kakhulu kuma-euro amathathu. Ukusuka lapho aqala khona ukubuyela esikhundleni sakhe ngamandla akhethekile. Kuzivivinyo ezinhle kakhulu ukuvikela izintshisekelo zabatshalizimali abancane nabaphakathi.
Isimangalo ekuthengeni i-Popular
Ezinye izindaba ezidonse amehlo kubatshalizimali inqubo yokuthenga i- I-Banco Popular okwesikhathi a i-euro kuphela. Yebo, ngalo mqondo, ibhange likhombisa ukuthi "ukutholwa kwebhizinisi kungafaka izinsiza noma izimangalo zazo zonke izinhlobo." Yize okwamanje lezi zindaba zingazwakala ezingcaphunweni zabo zansuku zonke. Kepha kunalokho, bacabange ukuqiniswa ekunyakazeni kokunyukela phezulu. Ngoba empeleni, akukho ukuthengisa okukhulu ezimakethe zezezimali.
Yize kungenakukhohlwa ukuthi, ngokwesikhungo sezezimali uqobo, kungaba "nomthelela omubi kakhulu" kuma-akhawunti abo. Njengomphumela we izikhalazo ezivela kumakhasimende wangaphambili we-Popular. Ngokukhombisa ukwehla okuncane entengweni yamasheya ayo, yize ngesikhathi kungenaminyene ngokweqile. Lokhu kungezinye zezinto okungenzeka ukuthi ezinye zezazi ezidume kakhulu ezimakethe zezimali zicubungula.
Ukuhambela ukukhuliswa noma cha?
Kunoma ikuphi, kungathakazelisa kakhulu ukuya kulo mnyakazo wesihloko omusha. Okungenani kufayela le- isikhathi sokuhlala esiphakathi nesikhathi eside. Lapho imbuyiselo ephezulu kunaleyo eyenziwe yimikhiqizo engenayo engaguquki ingatholwa. Phakathi kokunye, imali yesikhathi, amanothi asebhange noma amabhondi. Kwenziwe njengenye yezindlela zokutshala imali ongazisebenzisa uma ekugcineni unquma ukuya kulokhu kukhushulwa kwemali nguBanco Santander.
Kodwa-ke, ubeka engcupheni enkulu yokuthi inani lesabelo kungenziwa kwehliswe ezinhlakeni ezilandelayo zokuhweba. Ukuze ngale ndlela, ulahlekelwe yimali kulokhu kusebenza ozokuthuthukisa. Ikakhulukazi uma ufuna ukukwenza kube nenzuzo ngamagama amafushane. Kuyinto okufanele uyilindele uma wenza lezi zinhlobo zokuhamba. Ngaphezu kwalokho, awukwazi ukukhipha uguquko kuthrendi ezimakethe zamazwe zamasheya.
Enye into engalimaza izintshisekelo zakho ukushintshwa kwamasu ku amanani enzalo ngabaphathi bezimali zomphakathi futhi lokho ngokungangabazeki kungagcina kuthinte imakethe yamasheya aseSpain. Mayelana nalokhu, ushintsho olubonakalayo lwe-ECB lungaphazamisa okulindelwe ngokuthengwa kwamasheya amasha eSantander. Okuthile okungabonakala ngokubonakalayo ekupheleni konyaka. Isikhathi lapho amasheya akho amasha azofakwa khona ohlwini.
Kafushane nje, amalambu nezithunzi lapho kuzokwamukelwa le misebenzi emakethe. Kuze kube seqophelweni lokuthi kwesinye isikhathi izehlakalo ezingalindelekile zingavela njalo ezingalimaza kakhulu izintshisekelo zakho njengomtshali-zimali omncane naphakathi. Okungenani ekuqaleni kusukela ngamanani ezenzo, njengoba ngakolunye uhlangothi kunengqondo, izohlanjululwa njengoba amasheya amaningi ebhalwe ezimakethe imali engenayo eguquguqukayo. Ukubuyela kancane kancane ekuqaleni kwezintengo zoqobo futhi izotholakala emazingeni amanje. Lokho okungukuthi, cishe ama-euro ayisithupha ngesabelo ngasinye.