Ukufika kwentwasahlobo nakho kuthinte izimakethe zezimali zokulingana. Kuze kube seqophelweni lokwenza uhlu olubalulekile lwezitoko ezishisayo emakethe yamasheya kazwelonke. Lokho kungakwenza ulahlekelwe yimali eningi kusuka manje. Kepha ngesizathu esifanayo, bangamela amathuba ebhizinisi wangempela ku yenza inzuzo ngempumelelo imali yakho. Ezimweni eziningi lezi zimo zidalwa ezabo ubuthakathaka bebhizinisi. Kepha akusona kuphela isizathu lesi, kepha ukunyakaza kwebhizinisi kuyasiza ekuhleleni lesi simo esikhetheke kakhulu phakathi kwamavelu athile wesitoko.
Kuzoba wusizo olukhulu kuwe ukukhomba ukuthi yimaphi amanani ashisa kakhulu ngalesi sikhathi. Kokunye, ngenhloso enkulu yokushiya izikhundla zakho ukuvimbela ukulahleka ekubuseni isitatimende sakho semali engenayo kusukela manje kuqhubeke. Kepha hhayi kwabanye, kungakusiza ukuthi uqale ukuxhumana kuqala nezimakethe zezimali kuze kube manje kulo nyaka. Kungenzeka imisebenzi enenzuzo kakhulu ngezintshisekelo zakho, kepha inqobo nje uma usebenza ngokuzimisela futhi ngaphezu kwakho konke igazi eliningi elibandayo. Ngoba kunezingozi eziningi ozithathayo lapho uthenga amasheya abo.
Ngasohlangothini oluhle, ungahlala usebenzisa leyo maxim lapho abatshalizimali abanethemba kakhulu ezimakethe zezezimali bekhuluma ngayo. Ngomqondo wokuthi unokuningi ongakuzuza kunokulahlekelwa. Kunesizathu esilula sokuchaza lesi simo esingajwayelekile kakhulu. Akuyona enye ngaphandle kwezintengo eziphansi lapho kubalwa khona amanye amanani ashisa kakhulu emakethe. Ngezaphulelo ezingaphezu kuka-50% kuzintengo zabo zoqobo. Kulokho okufana nokubheja okulingayo kakhulu ukuvula izikhundla kusuka manje. Ngabe ufuna ukwazi ukuthi iziphi ezinalawa mazinga ashisayo ezinikezwa yimali yaseSpain? Qaphela-ke ngoba bambalwa impela.
Izitoko ezishisayo: IBanco Idumile
Ngaphandle kokungabaza, inani elishisa kakhulu emakethe yamasheya kazwelonke ngalesi sikhathi sonyaka. Kuze kube seqophelweni lokuthi amasheya ayo asevele ehweba ngaphansi kweyunithi elilodwa le-euro. Ukuphelelwa yithemba kwalabo abatshalwe eqenjini lezezimali nababona ukulondolozwa kwabo kwehla ezinyangeni. Kuze kube sekufinyelelwa emazingeni kunzima ukucabanga ngabaningi babo. Ngenkathi i- umzingeli wezingxoxo Bathambekele ekuxhumaneni kwabo naleli nani ukuze baqale ukusebenza nganoma yisiphi isikhathi ngenhloso yokuthola inzuzo enkulu yemali. Noma okungenani leyo yinhloso yayo enkulu.
Ngokombono wochwepheshe bezezimali, isixazululo sezinkinga zeBanco Popular sifaka amasu amabili achazwe kahle. Omunye wabo uhlala ekugcwalisekeni kokubalulekile ukwanda kwemali. Yize ngaphandle kokwazi ukuthi izimo zabo zizoba njani nokuthi zizogcina zithinte kanjani izintshisekelo zabatshalizimali abancane nabaphakathi. Ingesinye sezihluthulelo zokucacisa ukuthi ngabe sekuyisikhathi sokufaka leli nani eliyinkimbinkimbi ngalesi sikhathi. Akumangalisi ukuthi unganquma ukuvela kwezenzo zakho esikhathini esizayo esingekude kakhulu.
Esinye sezifo ezivela esikhungweni sezezimali kungenzeka ukuthi singatholwa elinye iqembu lezezimali. Ngisho naku amaqembu emakethe yamasheya Kwathiwa iqembu elikhulu lasebhange likazwelonke linentshisekelo enkulu ekusebenzeni kwebhizinisi. Lesi simo singazithinta kanjani izintshisekelo zakho njengomtshalizimali omncane naphakathi? Yebo, okwamanje ayinakuqinisekiswa ngecebo elithile, kude nalo. Kuzofanele silinde ukuthi izimo zaziwe uma lesi simo esisha ekugcineni sifinyelelwa emkhakheni wamabhange ezweni lethu.
Kunoma ikuphi, kuningi okungaziwa okuvezwa yiBanco Popular njengamanje, ukwenza isinqumo ngokusebenza kwamasheya ayo. Yize i-priori ingaba yisilingo ngenxa yamanani aphansi lapho amasheya ayo abhalwe khona. Kunoma ikuphi, lesi simo singahlala sibi kakhulu uma izixazululo zale nkinga enkulu zingabonwa emasontweni azayo.
I-Sniace ngaphansi kokukhuphuka kwemali
Yize kungukuvikela okuncane kakhulu, empeleni kulandelwa kakhulu ngabatshalizimali abathengisa. Ikakhulukazi imisebenzi yabo eyabela esikhathini esifushane noma ngemvelo yokuqagela. Ukukhuphuka kwemali akukuhle kubantu asebevele bemi kulezi zinkampani ngoba esikhathini esifushane izokhiqiza i- ukuncibilika kwamanani abo. Okungenani esikhathini esifushane futhi ucabanga ukuthi ungazilandelela izikhundla zakho kuze kube isikhathi eside saphakade.
Kunoma ikuphi, kubonakala sengathi amandla ayo okubheka phezulu awahehi kakhulu ukuvula izikhundla. Inenye yezinjongo zayo eziseduze kakhulu ku- amazinga asondele kwengxenye ye-euro ngesabelo ngasinye. Ngaphezu kwalokho, inesimo sebhizinisi esingenakho ukuzola ngokweqile esizoncika kakhulu emigqeni yesikweletu enikezwe ngamabhange ngemodeli yebhizinisi lawo. Ngalo mqondo, ukuvela kwayo emakethe yamasheya kuxhumene nezindaba mayelana nokwethulwa kwayo ezimakethe zezezimali.
Abengoa empambanweni yomgwaqo
La ukwakhiwa kabusha okusha kwenkampani Okubalwe kungenye yemicimbi efanelekile kwesinye sezitoko ezinesibindi kakhulu okwamanje. Kepha ngochungechunge lwemininingwane enganciphisa ibhalansi kolunye uhlangothi noma kolunye. Kepha okwamanje kuyazibonakalisa njengenye yokubheja okusebenzayo kakhulu emalini emakethe eqhubekayo yaseSpain. Ngamathuba amakhulu okufeza okungaphezulu kokuzuza kwemali yokuncintisana, kepha ngochungechunge lwezingozi ezihlale zikhona phakathi kwabatshalizimali abancane nabaphakathi.
Ngalo mqondo, kuyabonakala ukuthi izindlela ezimbili ze- amabhange amakhulu aseSpain (USantander noSabadell) bakhethe ukunciphisa noma ukuqeda ngokuphelele ukubamba iqhaza kwabo enkampanini yezimboni yaseSevillian ngemuva kokuphothula inqubo yokwakhiwa kabusha. Lo mcimbi ungasho ukuthi amasheya ale nkampani ayaqhubeka nokulungiswa ezinsukwini ezizayo. Kuze kujeziswe izikhundla zabaninimasheya bamanje. Enye into ehluke kakhulu yilokho okungenzeka phakathi kwabatshalizimali abasha kusukela manje.
IBavaria ngokubukwa kwezinkunzi
Uma kunesilinganiso esisodwa esishisayo emakethe yezezimali, akuyona enye ngaphandle kwale nkampani yezokwelapha. Isizathu sakhe kungenxa yokwesekwa okuqinile akutholile ngemuva kwezinhlangano zakamuva zenkampani. Ngoba empeleni, iqembu lebhizinisi bekuyinto obekuhlosiwe kuyo ngebhidi lokuthatha kabusha lakamuva futhi elihehayo yiqembu laseChina i-Aier Eye. Kuze kube seqophelweni lokuthi inkampani ithenge ngomsebenzi obiza ama-euro ayizigidi ezingama-170.
Impendulo yabatshalizimali kufanele ikhonjiswe ezinsukwini ezizayo futhi mhlawumbe bazonikeza umkhondo obalulekile mayelana nokuthi yini okufanele uyenze ngale mpahla yezezimali. Ukuvala noma ukuvula izikhundla ngokuya ngokulindelwe okwenziwe yileli nani. Okwamanje, okulindelwe kukuhle ukufaka izikhundla zabo emakethe yamasheya. Noma kunjalo ngokuqapha okuthile ukwenza isinqumo esisheshayo noma esicabangayo.
Awukwazi ukukhohlwa, ngokuphambene nalokho, ukuthi kungenye yezindinganiso ezishisa kakhulu zezimali zesizwe, kodwa ngomlando oyingozi kakhulu. Hhayi ngeze, sekusele kancane ngaphezulu kuka-50% phakathi naleli shumi leminyaka. Kuze kube seqophelweni lokuthi kungenye yezindawo zokubheja ezimakethe zamasheya ezibe nokusebenza okubi kakhulu ngaphakathi kwe-Ibex Medium Caps. Ngeke ube nesinye isixazululo ngaphandle kokuzindla ujule kakhulu uma kungakufanelekela ukuzibeka engcupheni nokuthatha izikhundla kubaninizabelo.
I-Gamesa, phakathi kokunconywe kakhulu
Yize kunokwanda eminyakeni yamuva, iMonesa iyaqhubeka nokuba ngesinye sezitoko ezihamba phambili emakethe yamasheya aseSpain. Futhi ungakwenza futhi kahle uma sinamathela kuzincomo esinikezwa yi-Bankinter. Ngalo mqondo, inokuningi okuphathelene nokwakamuva ukuhlangana ne-Nokia futhi lokho kungakhiqiza okunye ukudonsa okubalulekile kwe-bullish ezinyangeni ezimbalwa ezizayo. Esinye sezici lesi sinqumo esincike kuso sincike ekutheni ukusetshenziswa kwemali kulolu hlobo lwezinsizakalo ezinikezwa yi-Gamesa kuzothuthuka ngaphezu kokulindelekile kulo nyaka. Ngamathemba angcono alo muhla webhizinisi kunonyaka nje owedlule.
Kodwa-ke, inesithiyo esikhulu sokukhuphuka ngokweqile iminyaka eminingana. Akumangalisi ukuthi kunabatshalizimali abaningi kule nkampani abesaba ukuthi ukulungisa ingafakwa kungekudala kunokuba kamuva. Futhi bangalahlekelwa ezikhundleni zabo ezivulekile futhi mhlawumbe nangendlela ebaluleke kakhulu. Kunoma ikuphi, kuzodingeka ukuthi ubheke ukuvela kwamanani abo.
Njengoba kungenzeka ubonile, unamanani ashisayo kakhulu kunokuba ubungacabanga kwasekuqaleni. Hhayi ukuze uthathe izikhundla, kepha okwesikhashana ukuze ube nazo ku-radar yokusebenza kwakho ukwenza ukonga kube nenzuzo. Ngemuva kwalezi zinsuku zeholide uzoba nempendulo yesicelo sakho. Ngomqondo othile kokunye, okungukuthi, ukuthenga nokuthengisa amasheya alezi zinkampani. Lapho kufanele uthathe khona isinqumo sokuthi yini evuna kakhulu izintshisekelo zakho.
Vele, iziphakamiso ngeke zilahleke emakethe yamasheya yaseSpain. Ezinye ezindebeni zawo wonke umuntu, okubi kakhulu ezinye zangempela noma okungenani lezo obengenazo ekuqaleni kwalonyaka omusha wokuhweba.
ISantander neSabadell ngamabhange ambalwa ahweba kahle emakethe. Uma abantu benokungabaza noma bengazi ngokutshalwa kwemali emakethe yamasheya yala mabhange, lapho-ke kufanele babe nezeluleko nochwepheshe bese bezama ukuze bazi ngokwazi kwabo, ukuthi uma ukwazi ukwenza imali.
Amabhange angaphansi kokukhuphuka nokwehla komnotho kanye nemibono yokuzimela yabanye, amabhange afana neLa Caixa noma iBanco de Sabadell azoba nesikhathi esibi kakhulu uma iCatalonia ilandela umbono wayo wenkululeko ... kufanele kukhunjulwe ukuthi ngeke zisasekelwa yiBhange LaseSpain noma i-European Union (okungenani umbono wami lowo)
Un saludo