Ukwehla kwamazinga wenzalo kuzokuthinta kanjani?

Nakulokhu futhi, uMario Draghi, umongameli we-European Central Bank (ECB), usephinde wamangaza izimakethe zezezimali, futhi kungani kungenjalo, izakhamizi uqobo, futhi uyalele ukwehla okusha, futhi kulo mcimbi oyingqophamlando, ngamanani wenzalo. inzalo endaweni ye-euro. Njengomphumela walesi silinganiso, intengo yemali ayisasizi ngalutho, ngoba iku-0%, into engacabangi emasontweni ambalwa edlule ngengxenye enhle yabahlaziyi bezomnotho.

Umbuzo owodwa osemoyeni yingoba le mali engakaze ibonwe emlandweni we-European Union ingenisiwe. Kusuka ebhange elikhipha iYurophu bakusho lokho Kubalulekile ukuthi ukugeleza kwamakhredithi kufinyelele kumbhali wabo wokugcina, okungezona ezinye ngaphandle kwabasebenzisi. Kodwa kweminye imithombo engekho emthethweni bahumusha ukuqaliswa kwalesi silinganiso njengodonga olusebenzisayo lapho kubhekene nokwehla kwamandla omnotho womhlaba okungenzeka ukuthi kwakha okwamanje. Futhi-ke kabanqikazi ukwethula izikhali zabo ezinhle kakhulu ezinjengemicibisholo yemali.

Kusukela namuhla intengo yemali kwi-European Union iku-0%, ngaphandle kwenani laleli zinga lenzalo esetshenzisiwe. Izindaba ezimangazayo, ezihlangatshezwe izimakethe zezimali, yize kungenjalo ngaphandle kokungabaza okuthile mayelana nokusebenza kwazo, njengoba kubonisiwe ezikhathini zokuhweba ngemuva kwalesi sinqumo. Kunoma ikuphi, kusukela manje kuqhubeke, bobabili abasebenzeli bezomnotho kanye nezakhamizi zaseYurophu uqobo kuzofanele baqale ukufunda ukuhlala kulesi silungiselelo esisha lokho kuvela ezwenikazi elidala. Azikho iziphikiso zomlando ezingachaza ukusetshenziswa kwayo.

Amanani wenzalo: imiphumela

Yize ukusabela kokuqala kuqhamukile ezimakethe zamasheya, kuhle ukuthi kwaziwe ukuthi ekugcineni kuzofinyelela kanjani kwizakhamizi zase-Europe, futhi ikakhulukazi abaseSpain. Vele kuzoba nemiphumela eminingi kubo, futhi ngaphezu kwalokho abangakulindela ekuqaleni. Hhayi nje kuphela njengabatshalizimali ezimakethe zezezimali, kepha futhi njengabasebenzisi bemikhiqizo yamabhange eyinhloko. Kwezinye izimo, bazohlomula, kepha kokunye hhayi kakhulu, ngisho nezintshisekelo zabo zizosuswa lapho kusetshenziswa lesi silinganiso semali ngemiphumela ejulile emnothweni wamazwe omhlaba.

Futhi lokho ikakhulukazi kuzophathelene ubudlelwano onabo namabhange kusukela manje kuqhubeke. Uzobona izinguquko ezithile lapho kungakuhle ukuthi wazi ngokujule, noma okungenani ukuthi zikuthinta kanjani ukusebenza kwebhange okwenza kaningi. Kokunye, uzowina futhi kuzokuzuzisa ukonga imali ngokunyakaza kwakho. Kepha kwabanye, umugqa waphansi uzokwenelisa kancane, njengoba ubona.

Cishe yonke imisebenzi yasebhange izothinteka ukwehla kwakamuva kwamazinga wenzalo entengo yemali, cishe ngaphandle kokukhetha. Kusukela kusicelo semalimboleko yomuntu siqu kuze kube semthethweni wentela yethemu. Ngaphandle kokukhohlwa, izimakethe zamasheya zizozwela kakhulu kunani eliyize lemali, ngokubuyekezwa kwayo okulandelayo ezitokisini, izinkomba nasemikhakheni yemakethe yamasheya, ikakhulukazi eyaseYurophu. Ngisho nangaphandle kokwazi ukuthi lokhu kuhamba okuqhubekayo kuzohlala isikhathi esingakanani.

Imbuyiselo engezansi kokulondoloziwe

Umphumela oqondile wokwehliswa okuphelele kwentengo yemali njengomphumela wokwehla kwenani lenzalo kuzoba ukuncipha kwenzuzo yemikhiqizo eyonga kakhulu (amadiphozithi, amanothi ezethembiso zebhange, kanye nokuhlola ama-akhawunti). Ngoba empeleni, amabhange angadlulisela lesi silinganiso ngokushesha kumakhasimende. Ukwehla kwamanani wenzalo asebenza kumikhiqizo yabo.

Omunye wemiphumela yalesi silinganiso esinamandla yilokho ukusebenza okuzokwenziwa yilezi zinhlobo zokonga kuzoba cishe akukho. Bebevele bengaphansi kwamamaki angancintisani kakhulu kumakhasimende. Lapho bekungajwayelekile ukuthi badlule umkhawulo ongu-0,50%. Yebo, kusukela manje kuqhubeke, kungenzeka ukuthi yehle futhi yehliswe ngezingxenye ezimbalwa kwezishumi zemikhawulo yezohwebo ngaphambi kokumenyezelwa kwenhloko yenqubomgomo yezimali ye-European Union.

Lesi sigameko singadala ukuthi imindeni eminingi, uma inikezwe ukungabi nzuzo kwemali abayilondolozile, iphendukele kweminye imiklamo engaveza ukwanda kwembuyiselo yemali. Futhi ngalo mqondo bakhangwa izimakethe zokulingana, futhi ngandlela thile, ezikhwameni ezithile zokutshala imali. Ngisho nangezindleko zokucabanga izingozi eziphakeme, ngoba le mikhiqizo ayiqinisekisi noma iyiphi inzuzo kunoma yikuphi.

Olayini besikweletu abashibhile

Akuyona yonke into ezoba yimbi kwizintshisekelo zamakhasimende asebhange, uma kunjalo. Intengo yemali ebiza u-zero iyohlomula ngokungenakugwenywa ekufunweni kwazo zonke iziteshi zezimali: imali ebanjwayo, imali mboleko yabathengi, okomuntu siqu noma ama-microcredits. Hhayi ngeze, ukukhululeka okukhulu lapho amabhange kuzodingeka athole imali eshibhile kuzodluliselwa ekusebenzeni kwamakhasimende.

Umphumela wokuqala omuhle uzoholela ekwehlisweni kwezinga lenzalo elisetshenziswe ngamabhange kwimikhiqizo yawo yezimali. Imibandela yokuthola amakhredithi, ngakho-ke, izoncintisana kakhulu, ngamanani wenzalo ephansi azokwenza izinkokhelo zanyanga zonke okufanele uzikhokhe zingabizi kakhulu. Umehluko ngeke ube mkhulu, kepha kuzosho ama-euro ambalwa ngomsebenzi ngamunye owenza ube semthethweni kusukela manje kuqhubeke.

Kunoma yikuphi, Ngeke kusho ukuphumula kuzidingo ezibekwe ngamabhange ukuthola amakhredithi. Zizoba njengaphambilini, lapho ibhizinisi ngalinye lizocela imibandela yalo yokulenza libe semthethweni: ukudonswa kwemali eqondile yokukhokha, ukuxhumana neminye imikhiqizo, ukuvumela okuvela kwabanye abantu, noma ngisho nokunikeza irekhodi elimsulwa. Ngalo mqondo, ngeke kube khona noma yiluphi uhlobo lokwehluka.

Imiphumela ekutshalweni kwemali

Njengoba ubonile, ukubonakaliswa kwayo kokuqala kwenzeke ezimakethe zezimali. Ngokushesha, ngisho nokuzuzisa labo asebevele benezikhundla ezivulekile emakethe yamasheya. Ngemuva kweseshini engaqondile ngoLwesine, ebisuka kokuningi kuye kokuncane, ngakusasa ukusabela kube kuhle kakhulu, ngokwazisa cishe kwe-4% kuzo zonke izimakethe zase-Europe, ikakhulukazi emkhakheni wamabhange.

Yiziphi izindinganiso ezizwela kakhulu kulokhu kwehla kwamazinga wenzalo aqhutshwa nguMario Draghi? Akungabazeki ukuthi, labo abasemkhakheni wamabhange, futhi ngokwengeza kweminye imisebenzi yezezimali (izinkampani zomshuwalense, abalamuli, njll.). Hhayi ngeze, yizona ezizwela kakhulu kulolu hlelo lwemali, njengoba kuye kwabonakala ezimakethe zezimali ezinsukwini zakamuva, ngokunyuka ngaphezu kwesilinganiso, futhi kwezinye izimo ezithile baye bathokozela nokufika ku-12%.

Kunoma ikuphi, futhi uma ungumtshali-zimali omncane, kufanele wazi ukuthi yonke imikhakha yemakethe yamasheya iyakwamukela ukwanda, ngenxa yalesi simo esivuleka emnothweni waseYurophu. Futhi lapho ungazuza khona uma usuvele uthathe isikhundla emakethe yamasheya. Ukuqina kwalokhu kwanda kusamele kucaciswe, nokuthi zizogcinwa isikhathi esingakanani. Akumangalisi ukuthi isimo samanje semakethe yamasheya sibuswa ukungaqiniseki, futhi ngenxa yalokho, ukungazinzi okuqinile kwamanani ezinkampani.

Kuze kube seqophelweni, ukuthi uma ufuna ukuvikela ukonga, ungabhalisela i- izimali zokutshala imali zamukela ukuphumula ngentengo yemali, okungenani endaweni yezwekazi elidala. Ngezenzo ezisheshayo ungathola futhi inzuzo enkulu kulondolozo lwakho. Yize konke kukhombisa ukuthi kuzoba ngaphansi kwemiphumela elinganiselwe kakhulu. Ukulungiswa kuzokwenzeka nakanjani ezimakethe. Okuzosebenza, esimweni sabatshalizimali abanolaka kakhulu, ukukhulisa izikhundla zabo ezindaweni zokuhweba.

Ezinye izincomo ukuze uzuze

Uma ufuna ukwehliswa kwentengo yemali kungakushiyi ngaphandle komdlalo, ngeke ube nokhetho ngaphandle kokuthonya uchungechunge lwamasu okungafanele ukukhohlwe esimweni sezomnotho samanje. Hhayi njengomtshali-zimali kuphela, kepha futhi njengekhasimende lasebhange. Futhi kuzo zonke izimo, badlula kulezi zenzo ezilandelayo.

• Uma ubhekene nesidingo sokufuna imali mbolekoNoma ngabe hlobo luni, linda amasonto ambalwa nje, ngoba ungakwenza kube semthethweni ngamanani wenzalo aphansi. Futhi ngale ndlela ungaba nezindleko zokuzabela ezinye izidingo empilweni yakho yansuku zonke, uze uzinikeze isifiso esincane sokukugubha ngentshiseko enkulu.
• Kuyacaca ngokusobala ukuthi ukufeza ukusebenza okuhle kakhulu kulondolozo lwakho, ngeke kube khona okunye abangakukhetha ngaphandle kwalokho ingozi ekukhetheni amamodeli wokutshala imali. Futhi lapho imali yesikhathi eside idlala indima ebandayo ngenxa yenzalo ephansi enikezwa yimbuyiselo yonyaka.
• Ukungena esikweletini kuya ngokuya kwenzeke, inqobo nje uma amazinga omholo wakho akuvumela, ngoba inani ozolikhokha ngamanani afunwayo ancishiswa kakhulu. Yize kungenakwenzeka ukuthi ungayisebenzisi kabi le misebenzi, ngoba ingakusinda eminyakeni embalwa ezayo, futhi nangaphezu kokucabanga kwakho.
• Impela ukwehliswa kwezinga lenzalo yenza kusebenze ukunyakaza kwe-bullish kumasheya, kokubili iSpanish neYurophu, kepha ngokulungiswa okunganciphisa izinhloso zakho zokwenza izimpahla zakho zinenzuzo.
• Kunoma yikuphi, ngeke kube uhlelo lwemali oluhlala impilo yonke, futhi uma wenza isivumelwano semalimboleko yomuntu siqu, noma i-mortgage, ekupheleni kwesikhathi sayo, imibandela yayo ingahluka. Uma, ngakolunye uhlangothi, wenza noma iyiphi yalezi ziteshi zesikhashana zesikhashana, uzozuza kakhulu kulo msebenzi.
• Ukuqeda, cabanga ukuthi ngiyazi ifinyelele ekunqunyweni okuphezulu kunani lemali, nokuthi ngeke zisaba khona izinhlamvu zokubhekana nanoma yiziphi izinkinga zomnotho ezingase zivele emiphakathini yethu.