Nakulokhu futhi, futhi, umkhakha wamabhange ubheke kakhulu abatshalizimali. Kulesi senzakalo izindaba zabo bonke zilele ku-IPO yiqembu lezezimali i-Unicaja. Kepha imicimbi ayigcini ngalokhu kuhamba kwamabhange njengoba kulindelwe ngokulangazela okukhulu okungenzeka ngamanye amabhange amancane eSpain, njengakwisimo se-Ibercaja. Kuze kube manje iba ngomunye wemikhakha esebenza kakhulu kuleli kota yokuqala yonyaka.
La ukuthengwa kweBanco Okudumile yiSantander, ukuhlaselwa okuqagelayo kweLiberbank nokuhlangana phakathi kweBankia neBMN nakanjani kushubise wonke umkhakha. Ngenzalo ekhulayo phakathi kwezinkampani ezincane nezisemaphakathi ukufaka noma yiziphi izikhundla zazo ukwenza ukonga kube nenzuzo kusuka manje. Akungabazeki ukuthi kwezinye izimo amathuba angempela ebhizinisi angavulwa kwamanye ala mabhizinisi ezezimali. Yize futhi nezingozi ezibandakanyeka kulokhu kusebenza azikwazi ukubukelwa phansi nganoma yisiphi isikhathi.
Yebo, ukunyakaza kwamuva ebhodini lokubhanga kuqhamuke esandleni se-Unicaja, esinqume ukuthatha isinyathelo sokugcina nokusobala emakethe yamasheya yaseSpain. Kuze kube seqophelweni le- qinisa ukunikezwa kwalo mkhakha obalulekile yamasheya aseSpain. Kepha iqiniso ukuthi ibuye yafaka ingcindezi ezinkampanini ezingabhalisiwe ezisezingeni eliphakathi nendawo futhi kwaveza nokuqagela mayelana nokusebenza okusha emabhange kazwelonke. Ngochungechunge lwezinqumo ezingase zembulwe ezinsukwini ezizayo, futhi okuma kuzo isikhundla se-Ibercaja.
I-Unicaja isivele ibhalwe emakethe yamasheya
Uma ufuna ukutshala imali oyilondolozile kuleli bhange elidala lokonga, siyakuhalalisela, ngoba izinsuku ezimbalwa manje ungakwenza. Ngoba empeleni u-Unicaja Banco ushaye indesheni emakethe yamasheya ngentengo yokugcina yama-euro angu-1,10 ngesabelo ngasinye, emele ukwenziwa kwemali emakethe yokuqala yebhizinisi lama-euro ayizigidi eziyi-1.703, njengoba kubikiwe namhlanje kusihlwa kwiKhomishini Yezokuvikela Yezwe Likazwelonke (CNMV). Ngokunikezwa kokubhaliselwe okwabiwe ngokugcwele, kokubili maqondana namasheya afakiwe ekunikezelweni kokuqala nalezo ezigcinelwe izinhlangano zokubekwa ("isicathulo esiluhlaza").
Enye into entsha enikezwe yileli qembu elisha lasebhange iphathelene nenzuzo yayo. Ngoba njengomphumela wokubonakala kwayo ezimalini zikazwelonke ihlose ukukwenza wabela lo muholo phakathi kwabaninimasheya. Ukufika ezingeni lokuthi sekuvele kukhulunywa ngenani elinikezwe le nto yemali. Okungenani esikhathini esimaphakathi nesikhathi eside kusukela u-Unicaja Banco ehlose ukusabalalisa imali engama-40% wenzuzo kwi-IPO yayo. Ngokwesilinganiso sakhe, ulindele ukufinyelela kuleli zinga ngo-2020, kusuka ku-12,6% kulo nyaka. Ukuze kube yisikhuthazo esisha sabaninimasheya besikhathi esizayo saleli nani lemakethe yamasheya elisha.
Ngale ndlela, ijoyina iqembu lamabhange amancane naphakathi nendawo akhona kumasheya kazwelonke. Kanye neLiberbank, Bankia futhi ngezinga elincane uBanco Sabadell. Kuzo zonke, izindaba ezimnandi zalesi silinganiso ukuthi kusukela manje uzoba nezinketho eziningi kulo mkhakha obalulekile wokutshala impahla yakho yangasese. Kuze kube manje, akekho umenzeli wezezimali onikeze inani elikhokhelwe kumasheya alo ngaleso sikhathi. Kungukushoda kwemininingwane enganquma ukuthi amandla ayo wokubuyekeza angaba yini kusuka manje.
Enye yamanoveli ayo akhona encwajaneni yayo yokukhishwa lapho icabanga nge ukukhiya (ukuzibophezela ukuhlala enhlokodolobha) okuyizinsuku eziyi-180. Lapho ibhizinisi lingakwazi ukukhipha amasheya amasha. Kuzoba yisici esifanelekile kakhulu esingaba nomthelela othile kwisilinganiso samanani akho. Isici lapho abatshalizimali abancane nabaphakathi abafisa ukuvula izikhundla kusukela manje kufanele banake ngokukhethekile.
Ukuhamba okulandelayo kuka-Ibercaja
Kepha ukunyakaza ebhange laseSpain akugcini lapha ngoba okungenzeka kwenzeke nge-Ibercaja kusekhona. Hhayi ngeze, okwamanje, kusukela kulesi sikhungo sezezimali bakhetha ukulinda imicimbi futhi banqume ukweqa manje baye emakethe ngaleso sikhathi esibi emkhakheni. Noma kunjalo futhi nohlobo oluthile lokuhlanganiswa nezinye izinhlangano ngeke lukhishwe. Yize abaphathi beqembu lezezimali bevuma ukuthi abazi lutho ngalolu daba, okungenani okwamanje. Enye into ehluke kakhulu yilokho okungenzeka ngemuva kokubuya kwaleli holide.
Kunoma ikuphi, yisimo esingenakuphikwa, noma ungakapheli lo nyaka. Ngemuva kwalokho okubonwe kuze kube manje, akukho lutho olungakhishelwa ngaphandle. Futhi kuncane kakhulu emkhakheni wokuxubana emkhakheni wamabhange waseSpain. Kunoma ikuphi, akunangqondo ukucabanga ukuthi ezinyangeni ezimbalwa inani elisha lebhange lizoba yingxenye yemakethe eqhubekayo yaseSpain. Yize kuzodingeka ukwazi ukuthi yiziphi izimo zokungena ezimakethe zezimali. Ukuze abatshalizimali abancane bakwazi ukwamukela kakhulu ukuvula izikhundla kulesi siphakamiso esisha esingaqagelwa samasheya aseSpain.
I-X-ray yomkhakha webhange
Kunento eyodwa eqinisekile impela futhi ukuthi le ngxenye yemakethe yamasheya enye yezinto ezinamandla kakhulu esikhwameni sasekhaya. Ngokwezinga lapho kunqunywa khona ukuthi ukuvela kwenkomba ekhethiwe kube kubi noma kube kuhle. Ngesehlakalo esikhulu kakhulu kuneminye imikhakha yokubaluleka okukhethekile. Isibonelo, ezokwakha, ezokuvakasha noma ezokuxhumana ezifanayo. Ngaphezu kwalokho, ngeke ukhohlwe ukuthi isisindo esithile esisetshenziswa amabhange sinamandla kakhulu kunezinye izimakethe zamasheya ezwekazini elidala. Kuyisici ongeke usikhohlwe lapho uhlela utshalomali lwakho kusuka manje kuqhubeke.
Kunoma ikuphi, amabhange amakhulu awawona iningi ekunikezelweni kwamanje okuhlinzekwa ngamasheya. Ngokutholakala kuphela kwamaqembu amakhulu ezezimali: I-BBVA neBanco Santander. Kulezi ziphakamiso ezithile kunochungechunge lwamabhange aphakathi nendawo namancane angahlangabezana nezidingo zakho njengomtshali-zimali omncane naphakathi. Kuze kube seqophelweni lokuthi amanani ongawabhalisa ayanda ngalesi sikhathi. Ngezindaba zakamuva kuze kube manje ngokufakwa kwe-Unicaja.
Izinzuzo ezinenzuzo ka-5%
Okunye okujwayelekile ukuthi la manani avezwa kahle ukuthi baholela abaninimasheya abo ngesabelo esinqunyiwe nesiqinisekisiwe minyaka yonke. Kwenza imbuyiselo yonyaka phakathi kuka-3% no-8%, kuya ngokukhetha okwenzayo emapaki kazwelonke. Ukuze ngale ndlela, ube nesinye isisusa sokukhetha lo mkhakha wemakethe yamasheya waseSpain. Lesi ngesinye sezizathu zokuthi kungani enzelwe iphrofayili yomhlinzeki zimali ochazwe kahle kakhulu. Abantu abavikelayo abafuna ukugcina ukuphepha kokulondolozwa kwabo ekusebenzeni abangakunikeza.
Kulesi simo esivamile, awukwazi ukuphuthelwa noma yimaphi ala manani kuphothifoliyo yakho yokutshala imali. Noma uyihlanganisa namanye amanani avela emikhakheni eyehlukene. Kulokho okucacile isu lokuhluka inhloso yawo enkulu ukuvikela iminikelo yakho yezezimali ngaphezu kokunye ukucatshangelwa. Akumangalisi ukuthi ungaba namasu amaningi okwenza ukonga kube nenzuzo ngalezi zimiso ezikhethekile esikhuluma ngazo njengamanje.
Eminye imibono yokutshala imali oyongile
Ngeke neze kukulimaze ukwenza uchungechunge lwezenzo emkhakheni wamabhange futhi lokho kungathuthukisa izikhundla zakho ezimakethe zezezimali. Ngaphezu kwalokho, ukuba amasu athembeke kakhulu ukuze ukuvikeleka kwabo kunelise kakhulu ukwedlula manje. Kufanele zisuselwe kuzeluleko ezilandelayo esikuvezela zona ngezansi.
- Kuzo umkhakha osebenza kakhulu Futhi ukuthi uma uyinaka ngokukhethekile, ungazinikeza ukumangala okungaphezu kokukodwa okuhle kusuka manje. Yize kunezingozi ezinengqondo zalolu hlobo lokusebenza.
- Njalo onakho iziphakamiso eziningi ongakhetha kuzo, futhi lapho ikhwalithi yenani kufanele inqobe ngaphezu kokunye ukucatshangelwa kusukela ekubukeni kokuhlaziywa kobuchwepheshe.
- Enye yezinyathelo eziphephe kakhulu ukulinda ifayela le- amanani amasha asebhange hlala kuzilinganiso zabo. Ukuze ngale ndlela, ukwazi ukukhombisa ukuthi yiliphi isu okufanele ulisebenzise ukuthatha izikhundla.
- Enye inzuzo yalesi sigaba sezibambiso ezimakethe zamasheya zaseSpain ukuthi banenzuzo engaguquki minyaka yonke. Ungathola inzuzo efinyelela ku-8%.
- Ungakhetha amanani emkhakheni ofanayo, kusuka emaqenjini amakhulu ezezimali kuya emabhange amancane naphakathi. Njalo ngokuya ngephrofayili oyivezayo njengomtshalizimali othengisa.
- Enye yezinto ezinhle kakhulu kulengxenye yebhizinisi ukuthi banokuningi ngaphezu kokuphakeme ukweqiswa kwemali ezikhundleni zakho. Thanda ukuze ukwazi ukuphuma kuzo ngokukhululeka okukhulu futhi ungangeni.
- Njengesifinyezo, awukwazi ukukhohlwa ukuthi kungenye ye- imikhakha eyintandokazi kwengxenye enhle yabatshalizimali baseSpain abancane nabaphakathi naphakathi. Kuzoba nabaningi ababheja kokungajwayelekile kulezi zikhundla emalini.