Ingabe kufanele ngithengise amasheya ami? Noma mhlawumbe ukuwagcina kuyisu elifanele kunazo zonke? Le ngeminye yemibuzo ebuzwe abaninimasheya abaningi, njengecala lakho, abaselondolozwe imali yabo enkampanini yentuthuko esimeme i-Abengoa. Njengomphumela we isicelo sakho sokufaka inqubo yokuqothuka ngemuva kokubhekana nezinkinga ezinkulu zezezimali eminyakeni yamuva. Akumangalisi ukuthi inkampani ibala isamba sayo sonke sesikweletu esihlanganisiwe ngama-euro ayizigidi ezingama-8.903.
Imiphumela yesilinganiso esinjalo ayithathanga isikhathi eside ukufinyelela ezimakethe zezezimali, nemiphumela elandelayo kulokho abaninimasheya amancane. Ngakolunye uhlangothi, kuyekile ukufakwa ohlwini lwe-Ibex 35, inkomba ekhethiwe yemakethe yamasheya yaseSpain. Futhi kokunye, okubaluleke kakhulu uma uthathe izikhundla kunani, ngokuwa kwentengo yalo, ukwehla okungu-78% kunani lalo emakethe yamasheya, maqondana namanani ngaphambi kokukhishwa kwesitatimende esikhishiwe kuKhomishini kaZwelonke ye-Stock Market (CNMV). Kuze kube manje ukuhweba ngama-0,292 euros.
Ezinsukwini ezintathu, ilahlekelwe cishe izingxenye ezintathu kwezine zenani layo emakethe yamasheya, nangomthamo omkhulu wezokuphepha ezithengiswayo, okusho ukuthi abatshalizimali bachitha izikhundla zabo ngokushesha. Ngaphambi kokuba izindaba ziqubuke, isitoko sasidayisa ngama-euro angu-0,916 ngesabelo ngasinye, sehla ngama-50% kusuka enanini laso ekupheleni konyaka odlule.
Ukwenza, noma ngabe ikuphi, ukwehla okukhulu kwamanani abo, ngokwehla cishe kwama-30% kuseshini efanayo yokuhweba, nangokwenyuka okuphawuleka ngokulinganayo okutholile ukungaqiniseki okukhulu inkampani yase-Andalusian ebidlula kukho ngokwezimali zayo.
Ngokwenzayo, uma ungene ekupheleni kuka-Okthoba ngomsebenzi onenani lama-euro angama-10.000, uzobona ukuthi ezinsukwini ezimbalwa nje inhlokodolobha yakho yehliselwe kuma-euro angama-3.292 kuphela cishe.
Imiphumela phakathi kwabatshalizimali
Emasontweni adlule, abahlaziyi bezimakethe ezinkulu zamasheya bancoma ukuthi bangalifaki leli nani nganoma iyiphi indlela. Naphezu kwakho konke, kungenzeka ukuthi ubazibile, unethemba lokuthola izinzuzo ezinhle kakhulu eminikelweni yakho ngokusebenzisa amanani abo aphansi. Yebo, bekungenjalo, kepha uzobona ukuthi izihloko zakho ziqhubeka kanjani ukuwa ephaleni laseMadrid.
Kodwa-ke, kusekhona ukungaqiniseki okuningi okukuhlasela ngalesi sikhathi. Okokuqala, kufanele uzikhumbuze lokho iyaqhubeka nokuhweba emakethe yamasheya, ngemuva kokumiswa okwesikhashana kweziqu zabo. Yize ngentengo ephansi kakhulu ngenxa yesinqumo esibalulekile senkampani.
Njengoba ubhekene nalesi simo, kuzosiza kakhulu ukwazi isu elifanele lokuvikela imali yakho. Uma uthengisa amasheya ngentengo yemakethe, noma kunalokho, kugcine ngesifiso sokuthi bakhiqize imibuthano ebalulekile eyenza ukuthi ubuyise ingxenye yeminikelo yakho. Futhi usebenzisa lesi simo, uma ungenawo amasheya, ungahle ulingeke ukuvula izikhundla ngesixazululo senkinga.
Izimo ezivelayo
Okwamanje, wonke amathuba ahlala evulekile, kufaka phakathi isisombululo esihle, ngenxa yokungena kweqembu lebhizinisi, noma ngosizo oluvela kuhulumeni, njengoba kusikiselwe imikhakha ethile yezomnotho nezepolitiki yezwe.
Kunoma ikuphi, kuzofanele bahlaziye kusuka manje kuqhubeke izimo ezahlukahlukene ezingavela kulesi simo esikhethekile. Isikhathi sesifikile sokuthi uqale isu, hhayi ngaphandle kwezinkinga eziningi, okuhloswe ngazo ukuvikela izintshisekelo zakho njengomninimasheya.
- Ukumiswa kohlu: Kungaba yisimo esibi kakhulu uma unezikhundla ezivulekile enkampanini, ngoba amasheya akho angavele ayeke ukuhweba emakethe yamasheya. Futhi ngenxa yalokho, awukwazanga ukuthengisa ukuphepha kwabo kuze kuphakanyiswe isilinganiso. Ingahlala isikhathi eside, noma ngabe kungenzeka ukuthi ungayenzi. Umphumela osheshayo yilokho ubuzobanjiswa ngaphandle kokwazi ukwenza lutho, akusekho okungaphansi. Ngaphezu kwalokho, kuzofanele ubhekane nezindleko zokugcinwa yibhange lakho elizosebenza kuwe ekuphathweni kwezokuphepha. Izomela inani elingu-0,10% kunani lomsebenzi.
- Amasheya aqhubeka nokuhweba: ngeke kukhathazeke kangako ngalesi simo obuzwa sona, noma kunjalo okungenani ungasebenzisa inketho yakho yokubeka ezimakethe. Ukuqagela ukwehla okusha nokubukhali kuzintengo zabo. Ukuvalwa kwezikhundla kungaholela ekutheni ube nokulahlekelwa phakathi kuka-60% no-90%, maqondana nama-oda wakho wokuthenga.
- Ukungena kwabatshalizimali abasha: Ngeke ukhiphe isinqumo sokuthi iqembu elithile lezomnotho, isikhwama sokutshala izimali, futhi nangosizo lohulumeni waseSpain, inkampani ingaqhubeka, noma okungenani ibe nesabelo semali ukuze iqhubeke nokusebenza emsebenzini wayo wobungcweti. Ngalo mqondo, kusekhona umkhawulo wesikhathi wokuthi lesi simo siphothulwe. Uzoba nezinyanga ezine ukuxoxisana ngesisombululo nabakweletayo abakhulu. Uma kunjalo, ukukhuphuka kuzobuya futhi, noma kungaziwa uma ngamandla afanayo nakokunyakaza kwangaphambilini. Umphumela wokuqala kungaba ukuthi abatshalizimali abaningi bazothatha izikhundla besebenzisa amanani abo aphansi.
Ungayixazulula kanjani inkinga?
Amasu ongawathuthukisa azokhawulelwa kakhulu, njengomphumela wobucayi balesi simo sebhizinisi esingajwayelekile. Ngeke kube khona okunye ongakwenza ngaphandle kokubheka isimo sakho sezezimali ukuze usilinganise, ungafinyelela kuliphi izinga lokulahlekelwa, noma ngokuphambene nalokho, uma kungakuhle ukulinda isikhathi eside ukuze isimo sijwayele. Kunoma ikuphi, uma ungafuni ukubhajiswa ekumisweni okungahle kwenzeke futhi kohlu lwakho, uzoba nezindlela ezimbili ongaphendukela kuzo:
- Hlela ukuthengisa ngokusemthethweni: ngeke ube nesinye isixazululo ngaphandle kokuvuma iphutha lakho uphinde uqedele umsebenzi ngokuqinisekile. Uma ucabanga ukuthi uzoyenza ngokukhubazeka okukhulu. Kepha okungenani ngeke ulahlekelwe yiyo yonke imali oyitshalile. Ungashesha ngisho naleli su ngokuzama ukubheka imibuthano engaba khona ngentengo yayo enikeza isilinganiso esithe xaxa sokuxazululwa komsebenzi.
- Bamba izikhundla: Kusengumsebenzi onobungozi ngokuya ngomphumela wokugcina wengxabano. Njengesici esihle, ungalulama kancane kancane amanani abo. Kepha ngomunye umbono, kukwenza ulahlekelwe yikho konke ukonga kwakho uma singekho isixazululo senkinga, futhi inkampani iye nakanjani iye ekuqothukeni. Uma kunjalo, uzobe uphansi kohlu ukuthola iminikelo.