Isigaba somthetho phansi yisimo esifaka noma kunalokho sifaka ingxenye enhle yohlelo lwebhange laseSpain kwizivumelwano ze izikweletu zemali isilinganiso esiguqukayo. Lapho lokhu bekuxhunyaniswe khona nebhentshimakhi yaseYurophu, i-Euribor, noma amanye amabhentshi angafanelekile kangako. Ukufakwa kwayo kwakudinga ukuthi iklayenti likhokhe i- isilinganiso esincane noma inzalo, ngokuzimela yokuvela kwemakethe. Ngamanye amagama, awuzange uzuze ekusebenzeni okuhle kwalezi zimpahla zezezimali. Njengoba kwenzeka eminyakeni yamuva nje, lapho ikakhulukazi i-Euribor isendaweni engeyinhle, iveza umehluko - 0,161%.
Ngale ndlela, ukube ubusayine isibambiso salezi zici, ngabe ukhokha inzalo enkulu kunalokho okufanele ukhokhe. Yize ngokusemthethweni, yize kunabanye imiphumela emibi njengoba yamukelwa yizinhlaka zokwahlulela zaseSpain. Akumangalisi ukuthi umphumela wawo omkhulu ukuthi uzobe ukhokha inkokhelo ephakeme kakhulu yenyanga kunalokho obekufanele ukukhokhe uma isibambiso silungiswa ngempela ezimweni zezimakethe zezimali. Ngakho-ke, kuyisigatshana esiyingozi kakhulu ezithakazelweni zakho njengomsebenzisi webhange.
Kusukela kulesi simo, isinqumo seNkantolo Ephakeme kaMeyi 9, 2013 simemezele ukuthi isigatshana saphansi asisebenzi futhi saphoqelela amabhange ukuthi buyisela imali ekhokhelwe ngokweqile kusukela osukwini isigwebo. Ngakolunye uhlangothi, ngesinqumo sase-Europe kwafika ukubuyiswa okuphelele okwaphoqa izikhungo zezikweletu ukuthi zibuyise imali ekhokhwe ngokweqile kusukela ekuqaleni ekunikezelweni kwemali mboleko.
Ungasibona kanjani lesi sigatshana?
Omunye wemishini yakho njengomsebenzisi wasebhange oyikho ukukhomba ukuthi ngabe imali obolekwe ngayo osanda kuyithola ibandakanya Isigaba somthetho. Ikakhulukazi uma ungathonya noma ulungise lesi sigameko ngoba kuzokwenza ukhokhe ama-euro amaningi kunalokho obekucatshangwa ekuqaleni. Futhi, ukuthola izinsizakalo zobungcweti zefemu yabameli. Yebo, kunezimpawu eziningi ezingakunikeza ukuthi wazi ukuthi ngabe ubhekene ngempela nemalimboleko yempahla ebanjiswayo yalezi zici.
Esinye sezinto ezivame kakhulu senziwa ngokusebenzisa irisidi elivela ebhange lakho. Ngoba ungabheka umqondo "uhlobo lwentshisekelo" okusebenza kuwe kusuka kuleli bhizinisi. Ngoba impela, uma idlula inani le-Euribor kanye nomehluko, kuzoba uphawu olucacile lokuthi ubhekene nesibambiso esinomushwana phansi.
Buza nesikhungo sakho sesikweletu
Vele enye inketho yile buza ibhange ngqo lapho ubhalise khona lo mkhiqizo webhange. Hhayi ngeze, banesibopho sokuqinisekisa ukuthi unesigatshana esingaphansi futhi sikuchazele sona, uma unaso, ziyini izimo zalesi sigaba samakhredithi.
Ngakolunye uhlangothi, kungavela esinye isimo esivame kakhulu phakathi kwabasebenzisi balesi sigaba semikhiqizo yokuxhasa ikhaya. Akukona okunye ngaphandle kokuthi ubungenayo noma ngeke uyithole inkontileka yemalimboleko yempahla ebanjiswayo. Kulokhu, kulokhu, awunaso esinye isixazululo ngaphandle kokummangalela. ngokusebenzisa ummeli olungisa izivumelwano lapho wenze khona lo msebenzi. okungukuthi, inkontileka oyisayinile. Kulo mbhalo uzothola ukuthi ngabe imali obambise ngayo oyibhalisile isifakile yini lesi simo esihlukumezayo, okuyisigaba somthetho. Ngaphandle kokungabaza ohlangothini lwakho futhi lokho kuzoholela ekutheni uthathe isinqumo maqondana nalokhu. Ngaphandle kwama-nuances maqondana nokuba khona kwaleli gama elidala impikiswano enkulu phakathi kwabasebenzisi baseSpain.
Buyekeza amarisidi asebhange
Kungenzeka ukuthi ngezibonelo zangaphambilini ngeke ufike esiphethweni sokuthi ubhekene nesigatshana esisezingeni eliphansi kwimalimboleko yakho yempahla. Ungakhathazeki kakhulu ngalolu lwazi oluncane mayelana nemali mboleko yakho. Uzoba namanye amaqhinga amancane azokucacisa kulezi zikhathi izinkinga ezeqile ekwenziweni kwazo ngokusemthethweni. Elinye lamasu ongawasebenzisa lisuselwa entweni elula njengoba injalo hlola irisidi yasebhange yenkokhelo yokugcina yemalimboleko.
Yebo, ngaphakathi kwalokhu kusebenza okulula, kuzofanele ubheke kusuka manje ukuthi ingabe inzalo ebonakala njengokukhokhelwe ayilingani nesamba se-Euribor kanye ne- umehluko ovumile. Ngoba ngalokhu kusebenza uzobona ukuthi ngabe imali ebolekiwe ebhalisiwe inesigatshana saphansi, nokuthi yini ebaluleke kakhulu ukuthi yini leyo nzalo ezokwakhiwa njengophahla. Futhi lokho ngeke kukuvumele ukuthi uzuze emaconsi enkomba yokulinganisa yaseYurophu okuhlanganiswe kuyo iningi lempesheni yeminyaka edlule. Ngaphandle kokuya kwezinye iziteshi zolwazi eziyinkimbinkimbi ezingadinga ulwazi olukhulu ngezinkontileka ezikulesi sigaba semikhiqizo yasebhange.
Kungani unentshisekelo yokwazi lolu lwazi?
Kubaluleke kakhulu impela ukuthi uqoqe lolu lwazi ngoba uzokwazi ukuqala amanye amacala enqubo ngokumelene nebhizinisi lezezimali eliphethe ukumaketha lolu hlobo lwamakhredithi akhethekile ngokwenhloso yawo. Ngoba impela, kufanele wazi kusuka manje ukuthi i- Inkantolo Yezobulungiswa ye-European Union (I-CJEU) isekele ukwenziwa kabusha okuphelele kwezigatshana zaphansi. Lokhu kubaluleke kakhulu kunoma yiluphi uhlobo lwesimangalo ofuna ukusenza ngalezi zikhathi eziqondile.
Akumangalisi ukuthi omunye wemiphumela yalesi senzo ohlangothini lwabasebenzisi kusho ukuthi kusukela manje kuqhubeke, amabhange kufanele abuyise inzalo eyeqile ekhokhwa ngamakhasimende anempahla ebanjelwe kulesi sigaba. Lokhu empeleni kusho ukuthi uma ukulesi simo kuzodingeka babuyisele inani elikhulu lemali kuwe. Njengomphumela womehluko ezitolimende zanyanga zonke okufanele uzikhokhe esikhundleni salezo ezisetshenziswe kumamodeli anombandela wesitezi. Kuzofaka phakathi ukuthi ushiye uzuze kakhulu kulo msebenzi omusha we-accounting.
Sisho ukuthini isigatshana saphansi?
Kunoma ikuphi, kuzodingeka ngokuphelele kuwe ukuthi uqinisekise ukuthi wena njengomsebenzisi ucabanga ukuthi unombandela ongaphansi kwimalimboleko yempahla ebanjiswayo. Ngoba umehluko phakathi kwalabo abakhokhayo nalokho okufanele ukukhokhe ungaphezulu kakhulu, njengoba uzokwazi ukukuqinisekisa kusukela manje kuqhubeke. Akumangalisi ukuthi sikhuluma ngesigatshana esikhetheke kakhulu esingafakwa yibhange ekubambeni kwemali lapho isayinwe. Lapho into ephawuleka kakhulu ukuthi isungula i- isilinganiso senzalo esincane ukuthi kuzodingeka ukhokhe noma ngabe i-Euribor, okuyireferensi yemali ebolekwe kakhulu yaseSpain, ingezansi.
Ukuze uqinisekise ukuthi yisimo esihlukumeza kakhulu ezinhlanganweni zezimali, akukho okungcono ngaphandle kwesibonelo esilula. Yize i-Euribor wehlele ku-0,75%Uma isigatshana siku-2%, imali yenyanga ibalwa ngokukhokha leli zinga. Okusho ukuthi, akunasimo lapho uzokwazi ukuzuza ekwehleni kuleyo nkomba. Njengoba bekuthuthuka ezimakethe zezezimali eminyakeni emihlanu edlule. Lapho inkomba yokuma yaseYurophu ifinyelele ngisho nasezindaweni ezingezinhle nakwezomlando ophansi. Ngaphandle kwakho ngokwakho ukwazi ukusizakala ngalesi simo esivuna izintshisekelo zakho njengomsebenzisi wasebhange.
Kunoma ikuphi, ingxenye enhle yamabhange inqume ukwehlisa intengo yemali mboleko yokulungisa lesi sehlakalo. Lokhu kwahumushela ngokushesha ekusakazeni okuya ngokuncintisana futhi abanye babo bema ngisho amazinga asondele kakhulu ku-2%. Ngaphezu kwalokho, ukususa ingxenye enhle yamakhomishini nezindleko ekuphathweni noma ekugcineni kwawo. Kuze kube seqophelweni lokuthi wena uqobo lwakho ucabange ukuthi usayine imalimboleko yempahla yokuthenga indlu yakho enenzuzo enkulu. Lapho empeleni ubukhokha izinkokhelo ezifuna kakhulu zenyanga ukwedlula lokho okukweletayo empeleni.
Kunini lapho zingabonakali khona obala?
Esinye isici okufanele sicaciswe ukuthi ngabe lezi zimo ezikhetheke kakhulu ziyingxenye yalokho okuthiwa ukungabi bikho kokubonakala. Ngalo mqondo, awukwazi ukukhohlwa ukuthi izigaba zaphansi zisemthethweni lapho ukubonakala kwawo ngokuphelele sekugunyaziwe. Lokho ukusho ukuthi imali ebanjwayo ibhalwe ngendlela elula futhi ngaphezu kwakho konke kuyaqondakala kubo bonke abasebenzisi. Futhi okwesibili, ukuthi ibhange ngokwalo likwazisile ngaphambi kokusayina, zombili maqondana nalesi sigaba somthetho nemiphumela engaba khona emnothweni wakho wasekhaya. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe kanye nokubalwa kwezimali.
Lezi zinhlobo zezimo zisebenza ekubanjweni kwemali mboleko yenzalo eguquguqukayo, cishe njalo exhunywe ne-Euribor, emele ngaphezu kwezi-92% zezivumelwano ezisungulwe eSpain, ngokusho kwedatha yakamuva evela eBhange laseSpain. Yize kufanele wazi ukuthi akuzona zonke lezi zibambiso zemali ezithengisiwe ngaphansi kwezimo zokubonakala okuncane.
Akumangazi-ke ukuthi lokhu kungenye yezinto ezibhekwayo ukuze kufakwe izimangalo phambi kwezinkantolo. Ngalesi sizathu, kwehlukile ukuthi banesigatshana sefulethi kunaleso abakheke ngaso okusobala okuncane ngezinhlangano zebhange. Yizinto ezihluke ngokuphelele okufanele uzihlole kusuka manje futhi ezingakuholela kumasu ahlukile kusimangalo.