Imiphumela kaSantander yenze intengo yayo yehle emakethe yamasheya

Ukumenyezelwa kwemiphumela yebhizinisi ngekota yesibili yalo nyaka akuhlalanga kahle ekulinganisweni kwamasheya eBanco Santander. Kuze kube seqophelweni lokuthi babeshayeke kakhulu kunkomba ekhethiwe yezimali zaseSpain. Ngokukhomba ukwehla kwamandla amakhulu, cishe ama-4% ukuthola ama-35% ngaphansi kunonyaka odlule. Ngenxa yalokho ngokweqile kwayo ukuchayeka e-UK, yize iqinisekisa isabelo sokuqala semiphumela ye-2019 ngenani lama-0,10 euros ngesabelo ngasinye esizoqoqwa ngenyanga kaNovemba.

Ukulungiswa kokuthakazelelwa kwe-United Kingdom, okwamenyezelwa ngoSepthemba 24, kudlale iqhinga kubatshalizimali beqembu lezimali laseSpain. Lapho kuseshini eyodwa yokuhweba balahlekelwe ama-euro amaningi endleleni futhi kuzofanele sikulungele okungenzeka kusukela manje kuqhubeke. Ngezikhathi zobuthakathaka emkhakheni wamabhange futhi lokho kungaholela kwingcindezi yokuthengisa yokuzibophezela ngokusobala futhi kumthengi. Ngemuva kwamasonto ambalwa lapho kubonakala sengathi inani liphinde lavela ngenhloso yokweqa amazinga ama-euro amane ngesabelo.

Ngalesi sikhathi, isici sayo sobuchwepheshe sesibe sibi kakhulu uma kuqhathaniswa namasonto adlule futhi kunengozi yokuthi intengo yamasheya ayo ingabuyela emuva ukuvakashela le ndawo phakathi kwama-3.30 nama-3,40 euros. Ngokuya kuba kubi kwesimo esingaholela ekucabangeni ngesimo esibi kakhulu sezintshisekelo zeBhange eliphethwe ngu-Ana Patricia Botín. Yisimemezelo esiphelele senhloso okuzodingeka siqinisekiswe emasontweni azayo. Kulesi simo sokuhlangana, impela akukho ukungabaza kokwesaba okubi kakhulu ezinsukwini ezizayo, ngemuva kwalolu shintsho kulokho abakulindele entengweni.

ISantander: yeqa ama-euro ama-4

Ukhiye wokukhuphuka ngomkhuba oya phezulu, okungenani esikhathini esimaphakathi nesikhathi eside, kufanele weqe kalula umgoqo we Ama-euro angama-4 ngesabelo ngasinye. Izinga lapho inkampani isuswe kude khona okwamanje, ngemuva kokulinganisa kwayo okuphansi ezimakethe zezimali. Uma le nhloso ingafinyelelwa, akungabazeki ukuthi abatshalizimali abancane nabaphakathi abanqume ukuthatha izikhundla kule nkampani esohlwini bazohlupheka kakhulu. Ngoba inawo wonke amavoti okuqhubeka iye phansi ngokuvumelana kwamanani ayo. Ngengozi yokuthi ingahlola namazinga angaphansi kwama-euro amathathu.

Lokhu akuyona indlela ekhuthazayo kakhulu kubasebenzisi bezimakethe zamasheya, futhi kuqinisekisa ukuvela kwayo kulo nyaka. Njengabancintisana nabo abaningi emkhakheni wamabhange, njenge BBVA. Onyakeni okungazange kube kuhle kakhulu kuzintshisekelo zamabhizinisi asebhange ashiye ngaphezulu nje kwe-15% yenani lawo eceleni kwendlela. Awekho amathemba angcono wokuzivocavoca osekuzoqala, yize emakethe yamasheya konke kungashintsha ngendaba yemizuzu embalwa. Njengoba abasebenzisi bejwayele eminyakeni yamuva futhi bekuyini ukulindelwa kwabo eminyakeni embalwa ezayo.

Amasu okutshala imali

Kunoma ikuphi, ungafaka amanye amasu okutshala imali ukuze wenze ukusebenza kwakho emakethe yamasheya kube nenzuzo kulesi sikhathi esinzima sengxenye enkulu yezimpahla zezimali. Ngoba empeleni, ngaphandle kokuthi kube noshintsho olujwayelekile kumkhuba ojwayelekile ezimakethe zezimali, umbono awugculisi kakhulu kwizintshisekelo zemakethe yamasheya kaBanco Santander. Ngale kwalokho uchungechunge lwe ukubuyela okuqinile kakhulu, okungaphezulu kokuthenga okuzosebenza ekuhlehliseni izikhundla ngentengo yokuqala yokuncintisana. Njengenye yezindlela zokutshala imali osuzitholile kusukela manje.

Ngenkathi ngakolunye uhlangothi, unganqwabelana ngezikhundla ngokusikeka okusha ngenani lokwenza ifayela le- isikhwama sokonga uzinze kakhudlwana futhi uthakazelisa kakhulu esikhathini esimaphakathi nesikhathi ikakhulukazi. Ukuze ngale ndlela, ube nohlelo lokutshala imali olungakulethela izinjabulo eziningi kusukela manje kuqhubeke. Ngaphandle kwesidingo sokuthi wazi ukwenyuka kwamanani cishe nsuku zonke. Uma kungenjalo, ngokuphambene nalokho, ungagxila ekwakheni amanye amasu okutshala imali, kulokhu kuhloswe esikhathini esifushane futhi ujabulele ukuzuza kwemali esikhathini esifushane kakhulu.

Isivuno sokwehlukaniswa

Esinye sezisusa zokuvula izikhundla eSantander ukuthi ungakha iphothifoliyo yokutshala imali kumholo ongaguquki ngaphakathi kokuguqukayo. Noma yini eyenzekayo ezimakethe ezingeniso ezibalwe futhi lokho kuzokunikeza ukuphepha okwengeziwe kulokho okulindele eminyakeni ezayo. Akumangalisi ukuthi okwamanje inzuzo yenzuzo yayo isondela ezingeni le-6%. Isilinganiso esingaheha kakhulu izidingo zakho zempahla yempahla ngoba izinkokhelo zilungiswa futhi ziqinisekisiwe minyaka yonke. Ngamashaji amabili noma amane nge-akhawunti futhi ngokuya ngecebo elenziwe yileli bhizinisi lezezimali.

Futhi akumele sisibukele phansi lesi sici emholweni wabaninimasheya ngoba kuyindlela ephathekayo yokuzivikela ezimeni ezimbalwa kakhulu ezifunwayo ezimakethe zezimali. Ngoba ngale ndlela, uzokwazi ukuqeda ukulahleka okungahle kube khona okuvela kutshalo-mali kuleli bhange. Ngamanye amagama, lokhu kulahlekelwa akusoze kwaba kukhulu, kepha kunalokho, kuzoba inetha. Ngenkathi ngakolunye uhlangothi, uzohlala unenhlokodolobha etshaliwe Futhi uzoba sesimweni esifanelekile sokulindela ukuthi amanani ezabelo abuyele emuva eminyakeni embalwa ezayo. Lesi ngesinye sezizathu esenza ukuthi leli su lokutshalwa kwezimali liqondiswe kubatshalizimali abancane nabaphakathi abanephrofayili yokuzivikela noma yokulondoloza.

Inzuzo yesikhathi eside

Ngezenzo zeBanco Santander uzoba nento eyodwa ngokuqinisekile futhi lokho uzokwazi ukuqinisekisa uhlobo oluthile lwenzuzo ngemuva kweminyaka eminingi unomphela. Ukubheja ngokubuka okuphezulu kakhulu ngokuya kwesikhathi sokusebenza nokuthi kwezinye izimo ezithile kakhulu kudlula kusuka kubazali kuye ezinganeni bese kuba utshalomali olubizwa ifa. Lokho kusho ukuthi, akukaze kwenziwe ngokuthengisa ngakho-ke kudluliselwa efeni ezinganeni, into ejwayelekile kakhulu kubatshalizimali baseMpumalanga futhi ikakhulukazi amaJapan. Njengento entsha futhi esezingeni elithile yokuthi utshalomali ezimakethe zezimali kufanele lube yini.

Enye into ehluke kakhulu ukuthi ufuna ukwenza imisebenzi yokuhweba ngoba kuleli cala lokhu noma kungenye yezindinganiso ezifanele kakhulu zalolu hlobo lokuhamba okudinga isivinini esikhulu ekwenzeni ukuthenga nokuthengisa. Futhi lapho ungalahlekelwa khona yimali eningi ekusebenzeni njengoba kungeyona impahla yezezimali eyenzelwe lolu hlobo lokunyakaza okukhethekile ezimakethe zezezimali. Ngenkathi ivolumu enkulu ekunikezelweni kwayo ingenye yezinhlangano ezijwayelekile kuleli bhange, njengoba izihloko eziningi futhi eziningi zihamba nsuku zonke lapho izimakethe zezimali zivulekile.

Kunoma ikuphi, ubhekene nenye indlela entsha yokufaka umhlaba onzima njalo wemakethe yamasheya ngenye yezokuphepha ezinenkontileka kakhulu ngabatshalizimali ngawo wonke amaphrofayili. Futhi lokho kunikeza nokuphepha komugqa webhizinisi osusungulwe ngokuqinile iminyaka eminingana. Lapho kufanele ulinde kuphela ukuthenga ngentengo yokuncintisana kakhulu njengamanje, ukuba sekupheleni kosuku kube enye yezinjongo zakho ezisheshayo kunoma yiliphi isu lecebo lokutshala imali. Lapho imiphumela kaSantander yenza intengo yayo emakethe yesitoko yehle

Imiphumela iyadumaza

Iqembu lezezimali likazwelonke lithole i- inzuzo ebabazekayo engu- € 3.732 million ezinyangeni eziyisishiyagalolunye zokuqala zika-2019 ngemuva kokunikeza ama-euro ayizigidi ezingama-2.448, ikakhulukazi ngenxa yokulungiswa kokuthakazelelwa e-United Kingdom, kumenyezelwe ngoSepthemba 24 (1.491 million euros), kanye nokunikezwa okungeziwe komshwalense wokuvikela ukukhokha (PPI) ku I-UK (€ 103 million) nezinye izindleko (€ 40 million).

Lokhu, ngaphezu kokukhokhiswa kwe- € 814 million kumenyezelwe engxenyeni yokuqala, ikakhulukazi yezindleko zokuhlela kabusha eSpain nase-United Kingdom, kuholele ekwehliseni imali engama-35% unyaka nonyaka ezinyangeni eziyisishiyagalolunye zokuqala. Lapho inothi elihle lale miphumela yebhizinisi livela eqinisweni lokuthi ukwanda kwamakhasimende kuvumele ukukhula okuhle kumanani, ngokukhuphuka konyaka nonyaka kwizikweletu nezimali zamakhasimende ze-4% kanye ne-6%, ngokulandelana, kuma-euro aqhubekayo ( okungukuthi, ngaphandle komthelela wamanani wokushintshaniswa).


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.