Ukulandelana kwezikhathi zesimo esibucayi, ngo-Agasti 2008 kwaqhamuka igwebu lomhlaba e-US futhi kusukela lapho kuze kube manje, siye sabona ukwehla komnotho okuqhubekayo lapho ukuwa kwezinhlelo kuye kwacaca ngokusobala.
Ziningi izindawo zokujika okwabekwa yinkinga ngaphambi kokubuka okumangazayo kwamazwe e-Euro Zone, e-United States kanye nasemazweni asafufusa omnotho; ukwehla okukhiqizwayo ekukhiqizweni, ukulahleka okuqhubekayo kwendwangu yebhizinisi, ukuqothulwa kwemisebenzi kanye nezinga elikhulayo lesikweletu eliholele ekuqhumeni kwenkinga yamaGrikhi.
IGrisi yaba enye inguquko, enye yezinto ezibalulekile, ukuwa kwezwe lamaHellenic kwembula isimo esibucayi i-euro edlula kuso sonke nezomnotho, njengeSpain, ikakhulukazi ... isimo asimeme neze.
Namuhla, ISpain isengcupheni yokuqala isigaba sokuphambuka, ukwehla kwamandla emali okunezelwe ekwehliseni ukusetshenziswa kanye nokulahleka kwemisebenzi okuqhubekayo nokuqhubekayo, kutholakale ekungazethembini okuphelele, okuholela ekunciphisweni kwamanani njalo, hhayi eSpain kuphela, kodwa nakuyo yonke iminotho futhi ikakhulukazi i-Euro Zone, lapho ukwehla kwamanani kusho ukungqubuzana okuqhubekayo komnotho.
La ukwehla kwamandla emali kuqala izimpawu zokuxwayisa, lo umnotho usengcupheni futhi izinyathelo zikahulumeni ezamukelwe ukunqanda isimo esibonakala singalawuleki, zingenzi lutho ngaphandle kokwehlisa izinga lempilo namandla okuthenga emindeni, kodwa ezingeni lezwe ... ngokuqinisekile akukho okunye okungenziwa.
Kulesi simo, kubalulekile ukusesha uze uthole okuthile Ithuba, elicwilisiwe futhi lifihliwe ngaphansi kwalokhu kuphazamiseka komnotho, linganikeza umoya wokuphela kwempahla kanye nokuxazulula iminotho esenamandla okusindisa. Futhi ithuba livela esandleni sesikhungo sezezimali esizisungule njenge online bank par ubuhle nokuthi isekela ukubheja kwayo ekuthembekeni kubantu nasekusebenziseni okusha uhlelo lwezezimali esebenza kahle kakhulu, esebenza kahle futhi enenzuzo.
Njengesiqalo akukubi nakancane, ikakhulukazi uma sibheka ukuthi izinhlangano eziku-inthanethi zinamathuba okwandisa ama-margins azo okusebenza, ngenxa yokwehliswa kwezindleko, futhi kulapho iBanesto yenza umehluko; akuzona zonke izinhlangano ezibuyisela lokhu kungenzeka kumakhasimende azo.
IBanesto isiphenduke ithuluzi lokonga ngokwenza kahle, indlela yokuqinisekisa ukuthi ukulahleka kwamandla okuthenga nekhwalithi yempilo ebangelwe umthwalo wentela ophakeme nokusikeka komphakathi akunamthelela, ngenxa yenzuzo enikezwe yilowo ohlanganiswe njenge i-akhawunti ekhokha kahle kakhulu emakethe kanye nediphozi ehamba phambili kakhulu.
Le akuyona nje eminye imikhiqizo yezimali emibili, egxile empini yokuqongelela imali ukunciphisa umthelela wesimo sezinkinga zezikweletu, ingumkhiqizo wezezimali omuhle kakhulu okwamanje futhi ozinikele kakhulu ekongeni.
Uyini umehluko nezinye izinhlangano?
- Zifinyeleleka kuwo wonke amakhasimende, amasha noma amadala
- Banikeza imbuyiselo ephezulu kakhulu emhlabeni emakethe
- Azidingi ukuxhumanisa noma ukwenza isivumelwano semikhiqizo ehambisanayo
- Abakhokhisi noma yiluphi uhlobo lwamakhomishini, futhi abasunguli noma yiluphi uhlobo lwemikhawulo yokufinyelela nganoma yisiphi isikhathi kulondolozo lwabo.
- Imibandela yokubuyiselwa kwemali iphakeme kakhulu emakethe.
Izici zemikhiqizo yokonga ye-iBanesto
La i-akhawunti eluhlaza okwesibhakabhaka unikeza ukubuyiselwa kuka-3.60% kuwo wonke amakhasimende, ngaphandle kwamakhomishini, ngaphandle kwemingcele futhi akwazi ukufinyelela kulondolozo lwawo noma nini lapho eludinga khona, kuze kube nguJanuwari 2011.
Futhi, uma ungakabi yikhasimende kepha unquma ukudlulisela imali yakho oyongele yona iBanesto yasebhange online, uzokwazi ukufinyelela ifayela le- idiphozi eluhlaza okwesibhakabhaka, izinyanga eziyi-12 ku-4% ngaphandle kwenkontileka yemikhiqizo ehambisanayo, ngaphandle kwemingcele ekufinyeleleni kulondolozo lwakho futhi ngaphandle kwenhlawulo ... ukuzibophezela okuhlangene kusuka kubhizinisi elinikeza u-4% izinyanga eziyi-12 futhi ... akaceli lutho.
Ukuntuleka kwemisebenzi, ubuhlongandlebe, inkinga yezikweletu, ukuwa kwezimakethe, ukwenza umnotho ube buthakathaka ... ikusasa elingaqinisekile ngisho nalapho ezinye izindlela ezinjengeBanesto zinciphisa umthelela emnothweni wakho ... ebhange, uzivikele futhi uqinisekise ukuthi imali yakho ayilahli inani. Ngemikhiqizo efana naleyo ye-iBanesto ungagwema noma unciphise inkinga yakho yezezimali noma yomndeni, uyisebenzise.
ezithakazelisayo