Amasu achazwe kahle ngemuva kokuphahlazeka kwemakethe yamasheya

Ngenkathi abanye abahlaziyi bezimakethe zokulingana bephakamisa ukuthi amanani entengo alinganiselwe, abanye bakholelwa ukuthi kuzoba khona ukusikeka okuningi emasontweni ezayo. Okwamanje, futhi maqondana nezimakethe zamasheya zaseSpain, konke kubonakala kukhombisa ukuthi ukwesekwa ngamaphuzu we-6.000 kubonakala kusebenza. Ngisho nini? Lokhu kungukhiye wokwenza isu lokutshala imali eliqinile, elilinganisiwe futhi ngaphezu kwakho konke ngeziqinisekiso ezithile zempumelelo. Akumangalisi ukuthi abatshalizimali okwamanje abasebhange bacabanga ukuthi yimuphi umzuzu ofanele kakhulu wokungena ezimakethe zezezimali.

Kunoma ikuphi, kufanele ube nezinzwa zensimbi ukumelana nengcindezi yokungazinzi okufike ezimakethe zezezimali ukuhlala. Ngokuphambuka ngisho nangaphezulu kwe-10%, amazinga angazange abonwe emashumini eminyaka amuva nje. Lapho ungaqhuba khona imisebenzi yokuhweba ngeziqinisekiso ezinkulu kunalezo ezihloselwe isikhathi esimaphakathi nesikhathi ikakhulukazi. Ngamanani ambalwa kakhulu ephephile okwamanje njengoba lesi simo esibucayi sithinta cishe zonke izimpahla zezezimali. Futhi lapho omunye wabathintekayo kakhulu kungukuthi i-petroleum esivele ingaphansi kwama- $ 20 emgqonyeni.

Ngakolunye uhlangothi, kusukela manje sizofundisa abatshalizimali abancane nabaphakathi ukuthi baklame ukuthi yimaphi amasu okutshala imali abangawaqala kusukela manje. Ngesikhathi lapho kuba nzima kakhulu ukwenza isinqumo vikela ukonga ngaphezu kokunye ukucatshangelwa kobuchwepheshe ezimakethe zokulingana emhlabeni jikelele. Lapho imininingwane yomunye nomunye wabo izodlala indima ebalulekile empumelelweni yokusebenza ezimakethe zezezimali. Okuthile okunzima kakhulu ezimweni zamanje, njengoba kukhonjisiwe ngabalamuli abaningi bezezimali.

Yini okufanele uyenze ekuweni kwemakethe yamasheya?

Uma okulindelwe ngabatshalizimali abancane nabaphakathi kuyisikhathi eside kakhulu sokuhlala unomphela, ngeke ube nankinga yokungena ezimakethe zezimali, kuzwelonke nangaphandle kwemingcele yethu. Kuze kube seqophelweni lokuthi kungaba yithuba lomlando lokwenza indawo yokubeka imali ngamasheya ezinkampani ezibalwe ohlwini. Yize imakethe yamasheya iqhubeka nokulahlekelwa yizikhundla emasontweni azayo njengoba lokhu kufanele kube yinto okungafanele sikhathazeke ngayo. Asikwazi ukukhohlwa ukuthi enyangeni edlule bekuseqinisweni akunakwenzeka ukuthuthukisa leli qhinga ekutshalweni kwemali ngenxa yokulinganiswa okuphezulu kwamanani wamasheya. Yebo, lokhu sekushintshe kakhulu selokhu kuqale uMashi.

Singakuthola lokho kufayela le- isikhathi seminyaka eyi-10 noma eyi-15 Iphothifoliyo yethu yokutshala imali ibonge ngaphezu kwama-20%. Lesi silinganiso kucatshangelwa izibalo ezinesizotha kakhulu nezindayo. Kepha ngenxa yalesi sizathu, kufanele sitshale kuphela leyo mali engeke siyidinge ngalesi sikhathi. Ngoba uma leli qhinga lingenziwanga singaba nenkinga enkulu kuma-akhawunti ethu noma omndeni. Okusho ukuthi, kufanele sibe nemali ebonakalayo ku-akhawunti yokonga ukuze sihlangabezane nezindleko, kufaka phakathi lezo ezinganikezwanga kusabelomali sethu. Ukugwema amaphutha esiwenzile kwezinye izikhathi zokuphila kwethu njengabatshalizimali.

Ukukhethwa kwesitoko

Ngaphakathi kwaleli su lesikhathi eside, akukho kungabaza ukuthi akuwona wonke amanani angasisiza ukufeza lesi sinqumo. Uma kungenjalo, yisikhathi sokukhetha amasheya aphezulu. Akunandaba ukuthi yibona abathinteke kakhulu kulokhu kwehla kwamanani ezimakethe zezimali. Ngoba nabo bazoba yibo isikhathi esincane sokululama kusuka manje. Ngaphakathi kwaleli qembu elikhethiwe, amabhange, izinkampani zomshuwalense, izinkampani zokwakha kanye nama-telecos angahlanganiswa. Ngemfuneko eyodwa futhi lokho ukuthi bengeza ikhwalithi kunani. Ukushiya amagugu wokuqagela angasilethela izinkinga eziningi, ikakhulukazi esikhathini esizayo.

Ngaphezu kwalokho, sekuyisikhathi sokukhetha uhlobo lwenkampani olungenawo amazinga aphezulu esikweletu. Kungenye yezindlela ezingcono kakhulu esinazo zokuvikela inhlokodolobha yethu kulezi zikhathi ezinde zokuba unomphela. Futhi lokho kungaqiniswa yizinkampani ezisabalalisa izinzuzo kubaninimasheya abo njengoba zivumela abatshalizimali ukuthi babe nemali engenayo engaguquki minyaka yonke. Noma yini eyenzekayo ezimakethe zezimali nangokuphindaphindayo unyaka nonyaka. Ngokwenzuzo ngesabelo ngasinye okushiya phansi phakathi kuka-3% no-9%. Ngamanye amagama, kuphakeme kakhulu kunalokho okwenziwe yimikhiqizo ehlukene yasebhange: amadiphozi wesikhathi esimisiwe, ama-akhawunti emali engenayo ephezulu noma ama-bond kazwelonke.

Ukusebenza kwesikhashana

Okunye okuhluke kakhulu ukuthi uma isimangalo sohlangothini lwabatshalizimali abancane nabaphakathi siqondiswe kumagama amafushane. Ngoba impela, izingozi ziphakeme kakhulu futhi ngokwesaba ukuthi singalahlekelwa yingxenye enhle yemali esetshenzisiwe. Ngoba yiminyakazo engenakulawulwa noma okungenani enezinkinga eziningi kakhulu kunalezo ezikhathini eziyinkimbinkimbi. Ngaphezu kwalokho, kuyadingeka ukuthi ube nokufunda okukhulu kuleli banga lokunyakaza ezimakethe zezimali. Njengolwazi oluthuthuke kakhulu lapho umhlaba wokutshalwa kwemali nemali yakhiwe khona. Ngoba akunakulibaleka ukuthi imisebenzi yesikhashana ifane nephrofayili yabatshalizimali echazwe kahle kakhulu.

Ngenkathi ngakolunye uhlangothi, kubalulekile ukucabanga ukuthi lezi zigaba zokusebenza zikhawulelwe kakhulu esikhaleni sesikhathi ngakho-ke kuyadingeka ukuthatha uchungechunge lobungozi ezingekho emisebenzini yesikhathi esimaphakathi futhi ikakhulukazi yesikhathi eside. Lapho amanani akhethiwe azokhetha kakhulu kuneqembu langaphambilini ngoba ngokuvamile avela emikhakheni emakethe yamasheya enolaka kakhulu. Kuze kube seqophelweni lokuthi bangakhombisa umehluko phakathi kwezintengo zabo eziphakeme nezincane ezingaphezulu kuka-10% ngakho-ke amanani okuthenga nokuthengisa angalungiswa kangcono ukuze angabanjiswa ezimakethe zezimali.

Ungakuthola kanjani ukukhokhelwa kwemali?

Kunoma ikuphi, abatshalizimali abancane nabaphakathi abathanda ukuthengisa amasheya abo kusukela ngalesi sikhathi kuqhubeke nganoma yisiphi isizathu. Yebo, ayikwazi ukwakhiwa nganoma yisiphi isikhathi, kepha kunalokho, kuyadingeka ukuthi usebenzise ama-rebound amakhulu ukwenza lezi zenzo. Ikakhulukazi uma ngabe ibhalansi yephothifoliyo yokutshala imali inhle njengomphumela wokubuyekezwa kweminyaka eyisikhombisa edlule. Vele, lokhu kuhamba emakethe yamasheya akufanele kwenziwe ngama-oda ngentengo yemakethe, kepha kunalokho, ukubeka intengo yokuthengisa. Ngoba ngokuguquguquka okuphezulu singenza umsebenzi omubi ezimakethe zezimali.

Ngakolunye uhlangothi, akumele sithwalwe yimizwa yokwethuka ngoba kungumeluleki omubi kunabo bonke ukuthatha isinqumo kuphothifoliyo yethu. Kufika eqophelweni lokudala imiphumela engadingeki kulokho esifuna ukukwenza kulezi zikhathi eziyinkimbinkimbi kubo bonke abalamuli bezezimali. Ngokuphambene nalokho, lokhu kufanele kube yisinqumo esicatshangelwe kahle futhi esingewona umphumela wokuvuselelwa, njengoba abatshalizimali abaningi abancane nabaphakathi bekwenzile kulezi zinsuku ezikhethekile nezinzima. Umqondo omncane ukubambezeleka kwalesi sinqumo kuze kube yilapho sesibona ngokuqiniseka okwengeziwe ukuthi izimakethe zezimali zizohamba ngani emasontweni ambalwa ezayo. Ngoba uma kungenjalo, singazisola ezinyangeni ezizayo.

Ukulinganisa okuphansi

Esinye isici okufanele silinganiswe ngalesi sikhathi ukuthi akukho lutho oluyehla unomphela, kungasaphathwa ukuthi kube njalo emhlabeni wezimakethe zamasheya. Ngoba omunye wemiphumela ngokuvela kwe-coronavirus ukuthi iyenziwa ukulinganiswa okusha kumanani kuthengiswa ngamanani futhi lokhu kungaphinda kuholele ekuthengisweni okukhulu ngezimali ezinkulu zokutshala imali. Ngalo mqondo, sibona kulezi zinsuku ukuqhuma kokubuyekezwa kwentengo yamasheya ngabenzeli bezezimali. Kwamanye amacala angaphansi kwamazinga esiteleka kakhulu ukuthi anciphiswe cishe ngama-50%.

Ngenkathi ekugcineni, kunochungechunge lwezokuphepha ezithole izincomo zokuthenga futhi ezingakha amathuba amahle kakhulu ebhizinisi kulesi sikhathi esinzima kakhulu obekufanele siphile. Elinye lamacala afanele kakhulu lelo le-Endesa, abalikhetha njengenye yezinketho abangazithenga ngenxa yesikweletu sayo esincane. Kepha kuyiqiniso ukuthi kunezindlela ezimbalwa kakhulu ezibhalisiwe ngaphakathi kwaleli qembu elincane. Ngoba njengoba abatshalizimali bevame ukusho kuzo zonke izimo, amathuba ebhizinisi ayenzeka, futhi phakathi kwabo kumakethe yamasheya.


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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.