Yini ibhabhu lezomnotho?

burbuja

Esinye sezimo abatshalizimali abasaba kakhulu yilokho okubizwa ngokuthi yi-bubble yezomnotho. Akumangalisi ukuthi inqubo eholela ekubalulekeni ucwilisa ezimakethe imali engenayo eguquguqukayo. Azivamile, kepha lapho zivela ngeke ube nenye indlela ngaphandle kokuba kude nanoma yisiphi isikhundla esikhwameni. Ukwehla kwezintengo ze ukwabelana zinamandla kakhulu futhi zingawela emazingeni amancane. Ukufika ezingeni lokuthi bangasizakala ngabatshalizimali abaqagela kakhulu.

Kodwa-ke, akubona bonke abatshalizimali abancane nabaphakathi abaziyo incazelo yayo yangempela. Yebo, ukuze ucacelwe kusukela manje kufanele wazi ukuthi ibhamuza lezomnotho, elibizwa nangokuthi lezezimali, liyi- amandla isitokwe exchange lokho kwenzeka lapho kunomthelela omkhulu ezimakethe zezezimali. Noma ngabe ikuphi, futhi lokhu kubucayi kakhulu, amabhamuza avela ngaphandle kokungaqiniseki futhi ngaphandle kwezimo zokuqagela. Yize ezimweni zokugcina zinzima kakhulu ukutholwa ngabenzeli abahlukile bezezimali.

Esinye isici okufanele usazi manje ukuthi lesi simo somnotho siya ngokuya sanda ngokwengeziwe ngezinqubo ze ukuhlanganiswa kwamanani. Okuthiwa kuqondakala kangcono njengakule ndaba ethize ebizwa ngokuthi yi-real estate bubble, ebucayi kangaka eSpain eminyakeni yamuva. Ngakolunye uhlangothi, yisibonakaliso esivela njengomphumela wesikhathi sobukhazikhazi noma ukwanda komnotho. Ngemuva kwesikhathi sokwanda komnotho cishe njalo kwandulela lesi simo esikhuluma ngaso kule ndatshana.

Bubble: ingaphela ngokuqhekeka

Iqiniso elithandekayo ngaleli bhamuza lezomnotho ukuthi lingagcina selishayeka ngokwezezimali elingacekela phansi inani elikhulu lomcebo ezweni. Njengoba kwenzekile eminyakeni yamuva nge Ukucindezeleka okukhulu we-1930s kanye ne-bubble real estate eJapan ngawo-1990. Lezi yizibonelo ezichaza kahle le nhlangano yezezimali ekhathaza abatshalizimali kakhulu. Phakathi kwezinye izizathu ngoba bangalahlekelwa yimali eningi ekusebenzeni kwabo emakethe yamasheya. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka eyisisekelo yezimakethe zezimali.

Ngokuphathelene nemvelo yabo, banezindlela ezahlukahlukene futhi ezibonakala kulesi sigaba esilandelayo esikukhomba sona: okunengqondo, okwenzakalayo futhi ibiza nokuthi iyathathelana. Yize lezi zokugcina zinezinto eziningi ezingokwengqondo ngaphezu kwezinye izindlela ze-macroeconomic. Kubonakala ngoba leli qiniso landulelwa isigaba esibucayi. Lapho abathengi beqala ukuswela khona, kanti abanye abatshalizimali baqala ukuthengisa izikhundla zabo ezimakethe zezezimali. Ukuze ugcine ekuqubukeni okwesabekayo noma kwethemu ungabazi kangcono njengokuphahlazeka, yize kunezinkumbulo ezimbi kubatshalizimali.

Ungakubona kanjani ukugqashuka?

Lapho kwenziwa leli bhola elibizwa ngokuthi kwezomnotho kunochungechunge lwezimpawu ezikhombisa ukuthi sibhekene nalesi simo esibucayi emnothweni wezwe noma emhlabeni jikelele. Kulula ukuzibona futhi ngaphezu kwakho konke kusekelwe kulezi zimpawu ezilandelayo esikudalula kuzo ngezansi ukuze ukwazi ukucacisa kancane le nhlangano ekhethekile yezomnotho.

  • Ukuwa okujwayelekile wezimakethe zezimali, ngamazinga angaba namandla kakhulu futhi ahambisana nezinga eliphezulu lenkontileka. Emasontweni ambalwa, inani lamasheya lehle kakhulu.
  • El ukusetshenziswa kuyancipha ikakhulukazi lapho kungabeka khona umnotho wezwe noma wendawo ngokubeka engcupheni. Abasebenzisi basebenzisa imali encane ukuthenga izimpahla zensizakalo, bathathe imali ebanjwayo emincane futhi basebenzise imali encane ukuthenga kwabo okujwayelekile. Ngokwenyuswa kokonga ngaphezu kokunye ukucatshangelwa.
  • Ukukhula komnotho kwehlela emazingeni angathathwa njengayingozi kakhulu. Akumangalisi ukuthi kujwayelekile ukuthi bangene ukukhula okungekuhle ama-trimesters amaningana noma ngisho neminyaka njengasemazweni asafufusa. Kuyinto ebhubhisa kakhulu emabhamuzini wezezimali noma ezomnotho.
  • El ukungasebenzi iyakhula lapho kwenzeka lesi simo sezomnotho, kwamanye amazwe ngamaphesenti okungaba nzima kakhulu kohulumeni ukukucabanga. Ikakhulu lapho kunezinkinga ezithathwa njengezakhiwe, ngokwesibonelo eSpain. Ngamazinga angaphezu kwama-20%, njengoba kwenzekile enkingeni yezomnotho edlule, ngo-2007 nango-2008.
  • Isiphithiphithi ku- izimakethe zemali Ngenye yezindlela ezivamile zalezi zimo zezomnotho eziyinkinga. Ngokwehluka phakathi kwentengo yayo ephezulu nengaphansi kuseshini efanayo yokuhweba engadlula amazinga we-10% noma ngisho nangamandla amakhulu ekunyakazeni okubonakala kakhulu kwalezi zimpahla zezimali.

Imiphumela yalokhu kuhamba

ukwabelana

Akungabazeki ukuthi leli gwebu lomnotho lingaba nemiphumela eyingozi emphakathini uwonke. Lokhu ikakhulukazi kungenxa yokuthi ukunyuka okungajwayelekile nokuhlala isikhathi eside Intengo yamasheya athile noma ingcebo idala ukuvunguza kokuqagela okugcina sekucekele phansi umnotho. Ibhamuza lezomnotho alinaso isikhathi esimisiwe. Uma kungenjalo, ngokuphambene nalokho, ingahlala ezinyangeni ezimbalwa (yize lesi simo singekho njalo) kuya eminyakeni eminingi futhi icekele phansi umnotho wamazwe omhlaba noma okungenani ezinye izizwe emhlabeni.

Ngakolunye uhlangothi, kuvame kakhulu ukuthi uma sikhuluma ngale nhlangano yezomnotho ebonakala sengathi sibhekise ngqo enkingeni noma kubhizinisi lezindlu. Kepha ukuvinjelwa ukuthi akudingeki ukuthi baqondane, kude nakho. Yize zihambisana nomsuka wazo ngoba inezichasiso ezichazwe kahle kakhulu ezingahlaziywa ngabahlaziyi bezezimali abanesithunzi esikhulu ezimakethe. Akumangalisi ukuthi imvelaphi yamabhamuza wezezimali imvamisa ukuqagela. Ukuqagela kuqukethe ukuthola impahla noma umkhiqizo ngenhloso enkulu yokuwuthengisa ngokuhamba kwesikhathi ngentengo ephezulu.

Umthetho wokuhlinzekwa nokufunwa

ukunikela

Kunoma ikuphi, kukhona uchungechunge lwezimpawu ezingakunika ithuluzi elithile encazelweni yalo. Njengasesimweni esithile lapho amagwebu ezezimali ayinto yezomnotho equkethe ukungafani okuqinile phakathi kokunikezwa nokufunwayo. Uma lokhu kwenzeka, kudala umthelela obaluleke kakhulu emnothweni wezwe noma emhlabeni wonke, njengoba kuye kwaba njalo eminyakeni yamuva ngezinkinga zomnotho. Azithinti izwe elithile, kepha kunalokho izindawo ezinkulu kakhulu zomnotho, ngokwesibonelo kungaba endaweni ye-euro.

Esinye isici okufanele sicatshangelwe kusuka manje kuya ngokuthi, ngokwezinga elithile, ukunyakaza okunjalo okubukhali kungabonakala kusengaphambili emnothweni wamazwe omhlaba. Ngoba empeleni, kungukukhula okuqinile kwentengo, okungabonakala njengokuthatha okujwayelekile kwebhola lezezimali, ngeke kuhambisane nebhamuza. Kule ndlela, kufaka phakathi uchungechunge lwezinkinga ze- ukuxilongwa okulungile ukuthi liyini igwebu lalezi zici. Ngaphandle kwezimpawu zayo eziyisisekelo futhi lokho kungadidaniswa nokunye ukunyakaza kwezezimali kwamandla adonsela phansi akhethekile kodwa lokho akuyi kuba yibhola lezezimali noma lezomnotho

Izitayela zemakethe

umhlangano wokubonisana bukhoma

Kunoma ikuphi, kufanele wazi kusukela manje ukuthi izimakethe zamasheya zikhombisa izitayela ezihambelana namabhamuza wezezimali. Ngokusho kukaDow, umakhi we-New York Dow-Jones index, imakethe yamasheya ikhombisa ukuthambekela okuthathu: ukuthambekela okuyinhloko, ukuthambekela kwesibili nokuthambekela kwezemfundo ephakeme. Kungenxa yokugcina lapho i-bubble esikhuluma ngayo ingenzeka khona. Akumangalisi ukuthi iphawuleka ngaphezu kwakho konke ngoba kufayela le- ukuthambekela kwezemfundo ephakeme kufana nokushintshashintsha kwamanani akhiqizwe ngesikhathi esifanayo emakethe yamasheya.

Ngakolunye uhlangothi, kufanele futhi kuphawulwe kulokhu ukuthi iqiniso lokuthi imakethe yezezimali ngokweqile futhi ukuthengisa kubekwa ngamandla akhethekile kungenye yezimpawu lapho lolu hlobo lwamabhamuza lungaqoqwa noma lutholakale khona. Lapho kunokuwa okukhulu nokwethuka phakathi kwabatshalizimali, kuze kube seqophelweni lokuthi bazothengisa izikhundla zabo ezimakethe zezimali noma kungabiza ukulahlekelwa yimali eningi ekutshalweni kwabo.

Ezinye izizathu zokubonakala kwayo

Kodwa-ke, kuneminye imithombo yokuhlaziya echaza leli qiniso elibalulekile noma umcimbi wezomnotho. Ngokuqondene nesibonelo, yi- ukuhlaziywa okungenangqondo, kusekelwe kuphela kumholo otholwe esikhathini esidlule sempahla. Ngaphandle kwanoma yisiphi isikhathi kucatshangelwa ingxenye yokuhlaziywa okuyisisekelo kwezimpahla zezimali. Futhi lokho kungaholela emiphumeleni engadingeki engxenyeni yabatshalizimali abancane nabaphakathi. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka eyisisekelo.

Lapho futhi kungenzeka ukuthi ezimakethe ezilinganiswe ngokweqile, futhi kunendawo enethemba elikhulu, kungaholela embonweni wabatshalizimali wokuthi lezi zimo ngeke zishintshe isikhathi eside. Kuze kube seqophelweni lokudala izimo ezingavumi neze ezenzweni zabatshalizimali abancane nabaphakathi. Lapho banokulahlekelwa khona okuningi kunokuzuza.


Yiba ngowokuqala ukuphawula

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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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.