Isinqumo seNkantolo Ephakeme sithinta kanjani imali ebanjwayo?

supremo INkantolo Ephakeme izohlangana maduze ukwenza isinqumo sokuthi ngubani ozophatha ukukhokha imali Intela Yezomthetho Imali mboleko ebhaliwe. Ukuze ngale ndlela, kugcine kwaziwe ukuthi bayayigcina yini noma cha imigomo emisha yokuthi kuzoba yini amabhizinisi ebhange hhayi umsebenzisi owenza lezi zindleko zibe semthethweni lapho eqasha lo mkhiqizo ukuze kuthengwe ikhaya. Njengesinye sezingxenye zekamelo esivezwe ngo-Okthoba owedlule. Kunoma ikuphi, kuzoba yisinqumo abanikazi bemali mboleko abazosazi kahle ngoba ama-euro amaningi asengozini ngalesi sikhathi.

Okwamanje, umphumela wokuqala walesi sinqumo ukuthi a certain ukukhubazeka ekuthengisweni kwemali mboleko yempahla emabhange. Iningi lokunikezwa kwakhe lihlehlisiwe ngenxa yokuthi kungenzeka yini ezinhlakeni zokwahlulela zezwe lethu. Ngale ndlela, kuphawuleka kakhulu ukuthi le mikhiqizo isinyamalale okwesikhashana kumawebhusayithi amabhange. Ngakho-ke, imali mboleko emisha ayinakubhaliswa ngesikhathi esingaqinisekile lapho le nqubo yokwahlulela ihlala khona.

Ukungaqiniseki kungumphumela wokuqala odaleke yilesi sinqumo esiyimpikiswano ngoba okwamanje kuyinkimbinkimbi kakhulu ukubambisa ngempahla. Okungenani kudluliselwe ngezindlela zobuchwepheshe. Kodwa-ke, lesi sinqumo sizobaluleke kakhulu kubafakizicelo abasha bendlu ngoba bazokwazi shintsha izimo zakho kuya ngesinqumo esizothathwa ngabaphathi bezobulungiswa. Ngenkathi kwenzeka okuphambene nalokho, abantu asebevele benomkhiqizo walezi zici eziqashiwe kuzofanela balinde ukuze kuthi uma ekugcineni kufanele babuyise inani lale ntela.

Imali mboleko yenzalo ephezulu

izithakazelo Kunoma ikuphi, sekukhona amabhange athile asenqume ukukhuphula intengo noma kunalokho inzalo yemalimboleko yabo yezindlu. Ngamanye amagama, bakhuphuke ngamaphesenti ayishumi wephesenti maqondana namazinga abo okuqala. Leli qiniso elenziwa lisho ukuthi kusukela manje kuzodingeka ukuthi kwenziwe umzamo omkhulu wezezimali wokuthola isivumelwano sendlu. Okwamanje ukwanda kwezintshisekelo zale mikhiqizo akusiteleka kakhulu. Lapho kukhiqizwa i- Ukwanda ngo-0,10% cishe. Lokhu kuzosho ukuthi kuzofanela ukhokhe amanye ama-euro ambalwa kwizitolimende zanyanga zonke zalo mzila wesikweletu.

Kuze kube manje bekukhona imali mboleko yempahla enokusabalala okokuqala obekukhona ngaphansi kwamazinga ayi-1%. Yize leli qiniso kufanele linikezwe ngentengo eshibhile yemali futhi lesi yisimo esishintshe ukuthambekela phakathi nengxenye yesibili yonyaka. Kunoma ikuphi, kunento eyodwa eqinisekile ukuthi amakhasimende kufanele azi futhi lokho ukuthi kusukela manje ngeke esathola umehluko oqhudelana njengalowo owawukhona kuze kube manje. Ukuboleka ngeke kube nenzuzo njengale minyaka edlule, ikakhulu ezinyangeni ezizayo ikakhulukazi eminyakeni.

Izipesheli zasebhange ziyanyamalala

Omunye umphumela wesinqumo se- Inkantolo ephakeme ukuthi okunikezwayo ngempahla yakho akubanjwanga emakethe, okungenani izinsuku ezimbalwa noma amasonto. Kuzofanele silinde lokho izinhlaka zokwahlulela ezinquma ukukuqinisekisa ukuthi kuzokwenzekani ngalo mkhiqizo oyisisekelo engxenyeni enkulu yemindeni yaseSpain. Ngakolunye uhlangothi, kuzodingeka nokuthi ulinde futhi ubone ukuthi ngaphansi kwaziphi izimo imali ebolekiswayo ibuye ithengiswe ngemuva kokuthatha isinqumo ngeNtela Yezenzo Zomthetho Ezigciniwe zezinto ezibanjisiwe.

Ukuqasha isibambiso ngalezi zinsuku kunzima kakhulu kubasebenzisi ngenxa yokunquma okungokomthetho okuthinta imakethe yempahla ebanjiswayo. Vele, okunikezwa okuhle kakhulu sekuvele kuyinkimbinkimbi ukubhalisa futhi kuzofanela ulinde izinsuku ezimbalwa ukwenza isinqumo. Ngoba kungaba njalo ukuthi kungahle kube khona i- ukwanda kwamakhomishini lokho kuveza lo mkhiqizo wezezimali. Ngaphandle kwenani lenzalo lapho limakethwa khona yizikhungo zezikweletu. Abasebenzisi ngeke babe nenye into ngaphandle kokubekezela ngalesi simo esikhethekile esidalwe ezinsukwini ezimbalwa ezedlule.

I-Euribor inyuka kancane kancane

I-Euribor Esinye isici okufanele usibheke kulezi zinsuku ukuthi inkomba ebhentshimakhi lapho kutholwa khona imali ebolekisayo yamanani entengo ikhiqize owesikhombisa vuka zilandelana. Lezi yizindaba ezimbi kubo bonke abasebenzisi ngoba zizothinta ukukhokhwa kwemali yabo yanyanga zonke. Ngokwezinga nangengxenye lapho lokhu kukhuphuka kukhona ezimakethe zezimali. Kusuka kulesi simo esivamile, ukwanda kwe-quota kungaba phakathi kwama-10 no-30 ama-euro cishe futhi kuye ngenani olicelile. Yize okubi kakhulu ngezintshisakalo zabo ukuthi lo mkhuba ukhombisa ukuthi uzoqhubeka nokukhula ezinyangeni ezizayo.

Yize i-Euribor isekhona amazinga amabi, kusukela ngo-2016, ukuguquka sekuvele kufike. Okwamanje itholakala - 0,145%, okuyizinga eliphakeme kakhulu ezinyangeni eziyisishiyagalolunye ezedlule futhi ithambekele ngokusobala ukuqhubeka nokuwa. Lokhu kusho ukuthi lo mphumela uzodluliselwa kubasebenzisi okuzosukela manje baqhubeke babe nezimali ezimba eqolo zenyanga. Okwamanje, ukwanda kwalo akubalulekanga kangako, kepha kungenzeka kube esikhathini esizayo esingekude kakhulu uma ukuvela kwesilinganiso saseYurophu kuqhubeka ngale ndlela.

Ubungozi bokukhuphuka okukhulu

Inkinga enkulu abaphethe imali mboleko yempahla abanayo njengamanje ukuthi Isilinganiso saseYurophu ingahle ibe sezingeni elihle iminyaka eminingi. Ngoba lesi simo singasho ukuthi umehluko ekukhokhelweni kwempahla ebanjisiwe ubaluleke kakhulu nokuthi uma kunesidingo esizungeze ama-euro ayi-200.000 kungasho izindleko ezingeziwe ezisondele kakhulu kuma-euro angama-50 njalo ngenyanga. Noma ngaphezulu njengoba ukukhuphuka bekuqhubeka phakathi nezinyanga. Lokhu kuyingozi abasebenzisi abanayo ngenxa yokuthi babhalisela isilinganiso semali ebolekiwe.

Izimalimboleko zokuthengwa kwekhaya elilinganiselwe, ngakolunye uhlangothi, zinenzuzo enkulu yokuthi inkokhelo efanayo yanyanga zonke izohlala ikhokhwa noma ngabe kwenzekani ezimakethe zezezimali. Ngale ndlela bazojabulela i- ukuthula okukhulu ngenkathi isikweletu semali mboleko siqhubeka. Lesi ngesinye sezizathu esenza ukuthi imali mboleko yamanani amisiwe ibifunwe kakhulu ngamakhasimende, ngokusho kwamuva okuhlinzekwe yiNational Institute of Statistics (INE). Kuze kube seqophelweni lokuthi bakhule ngaphezu kwezilindelo zamabhange.

Enye yezinzuzo ezifanele kakhulu engxenyeni ye- imali ebanjwayo yesilinganiso esinqunyiwe ngukuthi zenzelwe ukwazi okufanele zikhokhe ngaso sonke isikhathi. Njengomphumela walesi sici esikhethekile, bazoba sesimweni esingcono sokuhlela izindleko zabo nokuphatha kangcono isabelomali sabo siqu noma somndeni. Ukushintshanisa neqiniso lokuthi ngeke bakwazi ukuzuza ekwehleni kwentengo yemali, njengoba kwenzekile eminyakeni edlule lapho bekube nenzuzo enkulu ukukhipha imali ebolekisayo yezinga lokubolekwa kwemali.

Vuka kumakhomishini

amakhomishana Isinqumo esizothathwa yiNkantolo Ephakeme ngokuthi ngubani ozophatha ukukhokha i- Intela Yezomthetho Imali mboleko ebhaliwe nayo izobaluleka kakhulu ngoba izonquma ukuthi amabhange angakhuphula amakhomishini alo mkhiqizo wezezimali. Ngoba empeleni, bangabakhulisa ngamaphesenti ayishumi wephoyinti eliqhathaniswa namanani abo amanje. Lesi yisimo ingxenye enhle yabahlaziyi bezezimali abelokhu bexwayisa ngaso ngoba bakholelwa ukuthi ekugcineni kuzoba ngamakhasimende uqobo azothwala izindleko.

Ngakolunye uhlangothi, lokhu kukhuphuka kwamakhomishini okubambisa ngempahla kungasungulwa ngokuya ngemibandela yesikhungo ngasinye sesikweletu, kumamaki wezohwebo azokhipha phakathi kuka-0,50% no-2,00%. Ngalo mqondo, kufanele kukhunjulwe ukuthi okwamanje miningi yale mikhiqizo ekhona akhululiwe kumakhomishini nezinye izindleko ekuphathweni kwayo. Kodwa ngenxa yezimo ezinhle zemakethe nokuthi izinga lenzalo belisezingeni elifanele ukusebenzisa lokhu kuncishiswa okukhulu.

Imali ekhulayo

Kunoma ikuphi, kukhona umkhuba ocacile futhi lokho ukuthi intengo yemalimboleko yempahla ezokwengezwa izokhuphuka kancane kancane ezinyangeni. Ikakhulu ngaphambi kokubonakala ukukhuphuka kwezinga lokho kuzokhiqizwa kusuka ngonyaka ozayo endaweni ye-euro. Ngenxa yesinqumo se-European Central Bank (ECB) ukuyinyusa isuka ku-0% okumanje bakuso njengamanje. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okutholakala kulo mkhiqizo webhange.

Lokhu kuzosho ukuthi kusukela ekuqaleni kakhulu, abasebenzisi bazodinga imizamo emikhulu yezezimali ukuphatha lesi sigaba semikhiqizo. Akukho okuyophinde kufane futhi izinyathelo zokuqala sezivele zithathiwe.


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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.