Ukuthengwa kwakamuva kwe- I-Banco Santander UDel Popular ukhuthaze intshisekelo kulokho okungenzeka kubaninimasheya. Ngoba lesi senzo sisho ukuthi cishe abaninimasheya abacishe babe ngama-300.000 esikhungweni sokugcina sezezimali balahlekelwe yikho konke ukulondolozwa okutshalwe kuzimali zabo. Kuze kube seqophelweni lokuthi ukulinganiswa kwayo kube zero. Akuqali ukuthi leli qiniso lenzeke nokuthi kunoma yikuphi okuthinta abanye babatshali zimali abancane nabaphakathi. Akumangazi-ke ukuthi laba babheka ukuthi ungazigwema kanjani lezi zimo.
Lapho ukuqothuka kwebhange kwenzeka noma kutholwa ngelinye ibhizinisi lezezimali, indawo okuyiwa kuyo yeminikelo ifinyelela esimweni esibi kakhulu. Kulapho izenzo ziqala ukusebenza engxenyeni ye- amafemu abameli ukuthola ingxenye yezimali ezitshaliwe. Kuyisimo esingafuneki neze okungafanele sithathwe ngokungathi sína. Ngoba empeleni, kuyinto engenzeka kunoma yimuphi umtshalizimali odayisayo. Futhi kufanele ube namathuluzi athile wokunqoba le nkinga enkulu engavela kuphothifoliyo yakho.
Vele azikho izinhlamvu zemilingo zokuyigwema. Kepha okungenani uzoba namanye amathuluzi angasiza kakhulu ukuvikela izintshisekelo zakho njengomtshali-zimali omncane naphakathi. Ngiyethemba awusoze waludinga lolu sizo esizokunikeza lona. Kepha uma kunjalo, kuzoba yindlela ye- kukuvikele ezimeni ezingezinhle kakhulu lokho kungakhiwa ezimakethe zokulingana. Ngalesi sizathu, kubaluleke kakhulu ukuthi usinake kancane kusuka manje.
Ukulahlekelwa yikho konke ukonga
Njengoba wazi kahle, enye yezingcuphe zokutshala imali oyilondolozile kuma-equities yileyo kanye into eyenzekile abaninimasheya be I-Banco Popular. Azisona isigaba sokwehluka, ngoba ukuphela kuzofana. Lokho wukuthi, ukugcina ibhalansi ye-akhawunti yakho yamanje ingu-zero. Kuzoba umuzwa wokungabi nalusizo okucacile lapho uzokwazi ukuthi wenzeni kusuka kulo mzuzu onzima. Ngoba empeleni, izindlela zokuzivikela zizoba ncane kakhulu. Yinto okufanele uyicabange lapho ukhetha isigaba esithile samanani esikhethekile.
Ngalesi sizathu esiqondile, kuzobaluleke kakhulu ukuthi uvule izikhundla kwizibambiso eziyinkimbinkimbi ngokubukeka noma ezehlise inani ngaphezu kokujwayelekile ezinyangeni ezedlule. Ngalo mqondo, kuzoba wusizo olukhulu ekuvikeleni kwakho yeka amanani asetshenziselwe ukuqagela zezimakethe zezimali. Kuyiqiniso ukuthi ungathola imali eningi ngabo. Kepha ngesizathu esifanayo ubungozi bokuqasha bukhulu impela. Akumangalisi ukuthi ezinye zezinkampani ezibalwe ohlwini azikho esimweni esihle sezezimali.
Akukho ukuvikelwa okukhulu ukuvikela izintshisekelo zakho kunokuhlala kude nalezi zimfanelo eziyinkimbinkimbi. Ngokubalulekile oscillation kwikhotheshini yamanani abo. Lapho umehluko omkhulu phakathi kwamanani entengo aphezulu kanye nalawo aphansi uzoba enye yezinhlosongqangi zabo ezivamile. Ngaphezu kwalokho, yizinkampani ezinezinkinga ezinkulu zezezimali. Yilokho okwenzekile eminyakeni edlule nalapho abatshalizimali belahlekelwe yikho konke ukulondolozwa kwabo. Lapho uyeka ukufakwa kuhlu lwamasheya akho futhi akukho lutho ongalwenza ukubuyisa imali oyitshalile. Noma okungenani ingxenye yalo.
Ingozi: amanani angaphansi kwe-euro eyodwa
Kumasheya aseSpain kunochungechunge lwezokuphepha ezibalwe ngaphansi kweyunithi ye-euro. Zimnandi kakhulu kubatshali zimali abacabanga kakhulu ngoba bacabanga ukuthi amandla abo okuhlaziya makhulu kunezinye iziphakamiso zemakethe yamasheya. Yize le ndlela ingaba yiqiniso, iqiniso ukuthi bayingozi kakhulu ukutshala imali. Awukwazi ukukhohlwa ukuthi uma behweba ngaphansi kwalezi zimakethe eziphansi, kungenxa yokuthize. Futhi akusho ukuthi abakwazi ukuqhubeka nokuhla phakathi nezikhathi zokuhweba ezilandelayo. Noma kungenzeka ukuthi bakhishwe ezimakethe zezezimali.
Kule ndlela ejwayelekile, kunezimo eziningana zokuphepha ezinokulinganiswa okuncane kakhulu ekugcineni okuyeke ukuhweba. Ngenjabulo elandelayo ngenxa yakho ngoba uzolahlekelwa yiyo yonke imali oyongile. Ngisho zanqwabelana iminyaka eminingi. Hhayi ngoba ezokuphepha zidayisa kula mazinga aphansi kunesizathu esanele sokungazifaki kwi-radar yakho yangasese ukuvula izikhundla ezimakethe zezimali. Kufanele uqaphele kakhulu ngalezi zinhlobo zezinkampani ebonakala ngokukhishwa kwemali ephansi kakhulu. Kuyinto eheha ukunakwa ngalawa manani ngamanani aphansi kangako.
Ukwehla okuqinile nokuqhubekayo
Esinye sezibonakaliso imakethe engakunika zona ukuthi ugweme ukuwela kulezi zimo ukuvela kwamanani ayo. Ngoba impela, lapho kukhona ukuwa okuphawulekayo nangokuqhubekayo kuzoba isignali enkulu ye-alamu mayelana nokuthile okwenzekayo. Ngakho-ke, akulungele ukuthi usebenze nalesi sigaba samanani akhetheke kakhulu. Ngeke ukhohlwe ukuthi kuningi kakhulu ongakulahlekelwa kunenzuzo. Akufanele ulinge inhlanhla yakho ilula kakhulu ngoba ungakhokha kakhulu. Isibonelo sakamuva sabaninimasheya weBanco Popular yisiboniso esihle kakhulu sokuthi yini okungafanele yenziwe kulezi zimo.
Kulezi zimo, kufanele usheshe kakhulu futhi usheshe ekusebenzeni ezimakethe zezezimali. Ukufika lapho isinqumo sakho esihle kuzoba ukuthengisa izikhundla zakho njengenye indlela yokuvikela izikhundla zakho ngempumelelo. Yize ungekho ongakwenza ngaphandle kokucabanga ngokulahlekelwa okuqoqiwe kuphothifoliyo yakho yokutshala imali. Kungcono ukuthi ulahlekelwe yingxenye yotshalo-mali, noma ngabe ibaluleke kangakanani, ukuthi yonke imali yakho inyamalale. Futhi noma kungakubiza malini ukusebenzisa leli su ekutshalweni kwemali.
Gcina imininingwane engaguquki
Esinye sezihluthulelo zokungalingisi izenzo zeBanco Popular yile ukwaziswa yakho konke okwenzeka kwizibambiso ezifakiwe kuphothifoliyo yakho yokutshala imali. Kuphakathi kwemidiya ekhethekile ebhaliwe kanye nemithombo yokufinyelela ekhiqizwa kwi-Intanethi. Akumangalisi ukuthi bazokunikeza isignali engaphezu kweyodwa mayelana nokuthi kwenzekani enkampanini efakwe kuhlu. Ngomqondo othile noma nokuthi ungasebenzisa ngokunenzuzo ukuthenga nokuthengisa amasheya wamanani wemakethe yamasheya. Ukuze ngale ndlela ube sezimeni ezingcono zokulindela imicimbi.
Lapho ubona iqiniso elifanele elingasithandi, ngeke ube nesinye isixazululo ngaphandle kokushiya izikhundla zakho ngokushesha. Ukuqondisa izikhundla zakho kokunye iziphakamiso kwizimali ezijabulela ukuzethemba kwakho okuphelele. Ngale ndlela, uzokugwema lokho nganoma yisiphi isimo, ungalahlekelwa yiyo yonke imali etshaliwe futhi ngokungazelelwe. Enye yamathiphu ozophoqeleka ukuwathobela isuselwa kuwo khetha ukuphepha okuncipha kakhulu yamasheya aseSpain. Noma kusuka ezimakethe zomhlaba wonke uma isimo seluleka kanjalo nganoma yisiphi isikhathi.
Izinkomba zesitoko eziyinhloko
Icebo elincane elingakusiza ukugwema ukulahlekelwa yimali ezimakethe zamasheya ukukhomba izinkomba zokulingana kuphela. Lesi senzo senzeka eSpain ukukhetha izinkampani eziyi kuhlanganiswe ekukhetheni kwezimakethe zamasheya zaseSpain, i-Ibex 35. Akuqinisekisi ukuthi ungenza okumbalwa okufisayo kulezi zimo, kepha okungenani kuzokunikeza iziqinisekiso ezinkulu ukuze kungenzeki. Ngaphezu kwalokho, yizinkampani ezibalulwe ezine-solvency enkulu futhi ezakhiwa njengezindawo zokukhomba zezimali zokutshalwa kwezimali zangaphandle.
Ngabaphathi abalawulwa kakhulu kunasezibambisweni ezibalulwe esigabeni esiphansi noma kuma-indices wesibili. Isibonelo, Enye iMakethe Yesitoko (MAB) okusho ukuthatha imisebenzi eyingozi kakhulu. Ngeziphakamiso ezinamanani amancane kakhulu futhi ezinezinkinga ezinkulu zezimali kwezinye izimo. Kunoma ikuphi, zikubandakanya ukudlala ngomlilo futhi uze ube nenkinga engaphezu kweyodwa ngezenzo zabo. Uma ukwazi, kuzoba ngcono ukuziqhelelanisa nalezi zindlela ezikhethekile ezingakulimaza esikhathini esithile sempilo yakho.
Awukwazi ukukhohlwa ukuthi njengoba iphrofayili yakho njengomtshali-zimali omncane nophakathi enolaka kakhulu, izinkinga zikhulu kakhulu kuwe ukuze uzibone usesimweni salezi zici. Kunoma ikuphi, awunakukhetha ngaphandle kokufaka i-oda lokulahleka kokuyeka elikusiza ukuthi unciphise ukulahlekelwa kwemali ezimweni ezincane kakhulu ezimakethe zezimali.
Unokunye ukwesekwa kokwenza lesi senzo futhi okulula ukukwenza. Iqukethe izikhundla zokuvala lapho izisekelo zekhefu lokuhlobana elikhethekile. Kuzoba ibhaxa elifanele kunazo zonke ukushiya utshalomali lwakho bese uya kwezinye izinketho ezethula isici sobuchwepheshe esingcono. Ukuze wenze lokhu, kufanele usheshe kakhulu ukwenza imisebenzi futhi ungazibandakanyi nokunyakaza okungathandeki kakhulu kuzintshisekelo zakho njengomtshali-zimali. Kepha ngaphezu kwakho konke, ngesinqumo sokulihumusha ngokuzimisela okucacile. Akumangalisi ukuthi kuzokusiza ukukhawulela ukulahleka ngaphansi kokusebenza kahle kuwo wonke amasu akho okutshala imali. Ukuze ekugcineni ungabandakanyeki ezimweni ezimbi kakhulu. Njengoba kwenzekile kubaninimasheya beBanco Popular.