Ukuthenga amasheya asilele kakhulu emakethe yamasheya kwakha isu lokushintshanisa ngamasheya elihlose ukuzuza kulokho kuvikeleka okwenze kabi kakhulu ngonyaka odlule. Ngethemba lokuthi kulezi bangathola ingxenye yezikhundla zabo, yize ngokuvamile beyingxenye yemikhakha ethula i- simo esishubile ephakeme ukwedlula konke okunye. Ngengozi eyengeziwe engaholela ekulahlekelweni yimali eningi endleleni. Ngaphandle kokuthi bangethula ikhono lokubuyekeza elithakazelisayo ngokwengeziwe ngezintshisekelo zabatshalizimali abancane nabaphakathi.
Ngalo mqondo, kuyadingeka ukuthi sihlaziye ukuthi iziphi izingcuphe zale misebenzi ukukhombisa ukuthi kulula yini ukuvula izikhundla kulezi zivikeleko. Ngoba kufanele ukwazi lokho kusukela ekuqaleni ukuthi lezi yiziphakamiso ezimakethe zezimali ezicacile kwehle nokuthi akwaziwa ukuthi lo mkhuba olimaza kangaka izintshisekelo zabo ungama kuphi. Lapho kuphela abatshalizimali abanolwazi oluningi abasesimweni sokuthatha izikhundla kulezi zimpahla zezimali.
Ngenkathi ngakolunye uhlangothi, kufanele futhi sigcizelele iqiniso lokuthi kungaba yiphutha elikhulu ngoba amanani amaningi awile kakhulu ahambelana nezinkampani eziveze imiphumela emibi kakhulu ezindaweni zokugcina. Futhi kunengozi yokuthi ukuthambekela kuyajula ezinyangeni ezizayo noma ngisho neminyaka, njengoba kwenzekile ezikhathini ezedlule. Ngaphandle kokuthi amasu okutshala imali asebenze kahle ukwenza imali etholakalayo izuze kusuka manje. Ngakho-ke, ayinconywa kakhulu imisebenzi kusuka kunoma iyiphi indawo yokubuka.
Amanani amaningi asilelayo: akhombisani?
Lesi simo sobuchwepheshe simele i isimo esibi yenkampani okukhulunywa ngayo noma ngabe ikuphi lapho ingcindezi yokuthengisa ibekwa khona ngokusobala kumthengi. Ngakolunye uhlangothi, ingatholwa entweni embi yezobuchwepheshe ivelu eliyivezayo nebanga ukuthi intengo yayo yehle esikhathini esifushane ngenxa yalokhu kwehla kwentengo. Ukuvama okuthe xaxa kokuphepha okuncane naphakathi nokwekhapitali kunokwama-chips amakhulu aluhlaza ezweni lethu. Lokho wukuthi, izimbangela zingaba nemvelaphi ehlukile hhayi eyodwa kuphela njengoba abanye abatshalizimali abancane nabaphakathi bangaqonda okwamanje.
Esinye isici okufanele sihlolwe maqondana namanani asalela kakhulu emakethe yamasheya ukubhekisela kokuthi lesi sikhathi sokwehla kwamandla ihlala isikhathi eside. Kwanele ukushiya ama-euro amaningi emapaki asendleleni bese ngaleyo ndlela wehlisa isimo sangempela se-akhawunti yakho yezokuphepha. Ngoba bangaveza ukungazinzi okungajwayelekile kulezi zimo futhi lokho kungaholela ekutheni wenze umsebenzi omubi emakethe yamasheya. Lokhu phela kuyinto okumele siyigweme ngazo zonke izindlela uma singafuni ukuba nezimanga ezimbi kakhulu kusukela manje kuqhubeke.
Amanani alezi zici
Ngaphakathi kwaleli qembu elikhetheke kakhulu ezimakethe zezimali, uBanco Sabadell kufanele aqhakanjiswe okwamanje, ephakeme kancane kuneyunithi eyodwa ye-euro. Ngemuva kokuba phakathi kwama-2 nama-3 euros ngesabelo ngasinye nokuthi lokho kuyindlela yokukhetha ubungozi yize kusekude phambili. Kepha nganoma yimuphi umzuzu ingaphinde yehle futhi ibuyele lapho iqale khona ukubuya kwayo, cishe i-0,75 euros, okuzoba yindawo yokungena yabatshalizimali abaqagela kakhulu emakethe yezimali yaseSpain. Esinye seziphakamiso ezifakwe kuhlu ngesaphulelo kumanani abo yiTelefonica, esiseduze ukunqoba izinga elibalulekile elinayo kuma-euro ayisikhombisa nangemuva kokuba isondele kakhulu kuma-euro ayi-9.
Lo mkhakha okhethekile kakhulu wezokuphepha osesimweni esikhetheke kakhulu futhi esidinga ukusebenza okuyinkimbinkimbi ukwedlula kwamanye ukubheja emakethe yamasheya. Kulo mongo, asikwazi ukukhohlwa inani njengoba linjalo okwamanje. QAPHELA ukuthi mhlawumbe yeqe amanani ayo kusuka kweminye iminyaka. Kepha kukhombisa ingxenye ezintweni eziyisisekelo ezisimema ukuthi sithathe izikhundla kusuka manje kuqhubeke. Akumangalisi ukuthi abatshalizimali banokuningi abangakuzuza kunokulahlekelwa futhi ngenani elengeziwe elinikeza isivuno sesabelo esingabhekwa njengekhanga kakhulu. Ngezinga lenzalo elingaphezulu kancane kuka-5%, ngokuhambisana nalezo ezinikezwa umkhakha kagesi.
Izinketho eziningi zokutshala imali
I-Sacyr ingenye yezindlela ezinhle kakhulu zaleli qembu ekutshalweni kwasekuqaleni okunjalo nokunye okuningi ngoba kube yizincomo ezinhle ngabalamuli bezezimali. Ukuyithatha njengenye yezokuphepha enekhono elikhulu lokwazisa kusuka emazingeni ayo wamanje entengo. Ihlanganiswe emkhakheni, lowo we izinkampani zokwakha, okungenye yezinto ezisebenza kakhulu emakethe eqhubekayo yezwe lethu. Futhi noma kunjalo, kungaba ngesinye sezimanga ezinhle ezinhle kulo nyaka okhona. Ngethuba lokukhiqiza inzuzo enkulu maqondana nokufakwa kuhlu kwayo emakethe yamasheya.
Ngenkathi ngakolunye uhlangothi, enye yezinkampani okungafanele ilahleke kulolu hlu esiyilungisile yi-Atresmedia. Ngoba empeleni, ingenye yamanani asilele kakhulu emakethe yamasheya ezinyangeni eziyishumi nambili ezedlule. Kepha kulokhu inento eyodwa evuna yona nokuthi ingenye yezinkampani ezibalwe ezinikeza isabelo esihle kakhulu samasheya kazwelonke. Ngenzuzo emaphakathi nonyaka esondele kakhulu ku-10%. Lokho okungukuthi, ngokubuyiselwa kokulondolozwa kwama-euro angama-10.000 ukutshalwa kwezimali cishe kwama-euro ayizi-100.000.
Ngamafuphi, kunezinketho eziningi esingazithola ngalezi zici, yize into enzima kakhulu ukuthi kulezi zikhathi bavuka e-atony yabo yamanje ezimweni ezinhle kakhulu. Ngoba ezimweni eziningi lokhu kungukuhamba okunobungozi obuningi ngakho-ke akuyona imisebenzi ebhekiswe kuwo wonke amaphrofayili kubatshalizimali abancane nabaphakathi. Lawa ngamasu okungelula kakhulu ukuwasebenzisa.
Ingabe le misebenzi inenzuzo?
Lezi zinhlobo zokusebenza kwesitoko azinconyelwe ezimweni ezithile noma izidingo zomtshali zimali futhi, okungaba yilezo ezichazwe ngezansi:
- Abatshalizimali abadinga i- izinzuzo zemali esheshayo esitatimendeni sabo semali engenayo ngoba unyaka ozungezwe yizo zonke izinhlobo zokungaqiniseki futhi badinga isikweletu esithile.
- Kulabo abatshalizimali abathatha ngokucacile izikhundla kwezokuphepha kucabangela, nokuthi ngaphandle kokuvuselelwa kokucabanga komnotho wamazwe omhlaba, kuzoba nzima ukuthola izikhundla kulo nyaka.
- Ukuzibeka ezinkampanini ezixhumene kakhulu nemikhakha ezohlupheka kakhulu emiphumeleni yenkinga yezomnotho, futhi lokho kuzothatha isikhathi ukululama kamuva kunabanye.
- Ukuba nochuku futhi ulindele amathuba okuthenga, okuthi kungekudala noma nini avele kumanani.
Ubungozi bale misebenzi bukhulu kakhulu futhi yize kungatholwa izinzuzo ezinkulu, akukufanele ukukhetha leli su lokutshala imali. Ngoba ingahlala ngaphansi kwe-downtrend efanayo ngakho-ke ilahlekelwe yimali eningi ekusebenzeni. Akumangalisi ukuthi esinye sezihluthulelo sokwenza lolu hlobo lokuhamba kwamasheya lube nenzuzo silele ekutheni thola umhlabathi lapho amanani akho amisiwe. Kepha empeleni lolu hlelo luyinkimbinkimbi kakhulu ukuluthola ngaphandle kokuthi ungumtshali-zimali onolwazi kakhulu kulolu hlobo lomsebenzi ezimakethe zezimali. Ngale kwalapho kungadidaniswa nokubuyela emuva okumema ukuthi kuthathe izikhundla kumanani akhethiwe.
Ukuthengwa kwamasheya asilele
Iningi labalamuli bezezimali, kude nokubheja amanani asilele kakhulu onyakeni owedlule, babheja ngokusobala ubuhlakani futhi bakhethe ukuncoma kumakhasimende abo ukuthi bahlale bengenamali phakathi nengxenye yokuqala yonyaka ukuze babone ukuthi iguqula izimali e eziningi ezingaziwa kudalwe yisimo samanje sezomnotho. Ngakho-ke, abahambisani nokuthenga phakathi nengxenye yokuqala yonyaka, futhi, yebo, uma ukuvela ngalesi sikhathi sekuhlaziyiwe, izikhundla zingathathwa kuleyo mikhakha noma ezinkampanini eziphendula kangcono umzuzu wamanje, yize bexwayisa ngokuthi isihluthulelo sokwenza umsebenzi omuhle ukukhetha kahle lapho kusethwa iphothifoliyo yezokuphepha.
Ngokwalokhu okwenzeka emakethe yamasheya, abahlaziyi bezimakethe zamasheya babheka ukuthi kubalulekile ukubalekela amanani aqagelayo angenakulindelwa ukukhula noma ezinkampanini ezizophuma enkingeni yezomnotho yamanje. Ngamafuphi, ukuhlakanipha nokulinda njengoba izimali zizoziphatha kulezi zinyanga, ukuzama ukuthola ithuba lokuthenga elihehayo ngempela lezintshisekelo zabatshalizimali abancane nabaphakathi.