Ngenye yemingcele yezomnotho elandelwa kakhulu ngabatshalizimali kepha bahlala bengayazi incazelo yayo nemiphumela yayo emkhakheni wokutshala imali. Akumangalisi ukuthi inikeza ubunzima obwenza kube nzima ukuhumusha. Kodwa-ke, uma wazi ukuthi ungakuqonda kanjani kuba yifayela le- idatha efanele kakhulu ngoba inikeza amanye noma amanye amaphuzu mayelana nokuthi yini umkhuba izimakethe zezimali ezizothatha wona. Hhayi kuphela maqondana nemali engenayo engaguquki, kepha futhi nokuhlukahluka ngisho nangamanye amathuluzi ezezimali. Ngalesi sizathu kubaluleke kakhulu ukuthi wazi kusukela manje ukuthi iyini incazelo yayo yangempela.
Okwamanje, i-premium yengozi yimbuyiselo eyengeziwe enikezwa ngumsebenzisi kumsebenzisi ngokuya ngobungozi okufanele abuthathe ngaso sonke isikhathi. Yebo, i-premium yobungozi eSpain okwamanje cishe amaphuzu angama-80 esisekelo. Kusho ukuthini lokhu? Yebo, into elula njengaleyo umehluko phakathi kwesikweletu saseSpain nesaseJalimane. Kungani ngokunembile eyiTeutonic? Yebo, ngoba nguyena onikeza ukuphepha okukhulu kubatshalizimali. Ngaphezu kwalokho, inesilinganiso sesikweletu esincintisana kakhulu kunabo bonke. Futhi ngenxa yalesi sizathu isebenza njengendawo yokukhomba kuwo wonke amazwe aseYurophu. Kuze kube seqophelweni lokumela enye yedatha enamandla kakhulu emnothweni wamazwe omhlaba.
Njengomphumela walezi zibalo, amaphuzu angama-80 ayisisekelo amelwe, okuyi-premium eyingozi eSpain okwamanje. Ngoba empeleni, uphawu lokulinganisa yisibopho seminyaka eyi-10 yaseJalimane, okwamanje esidayisa cishe ngo-0,50%. Ngenkathi kuphambene, isibopho saseSpain ekuvuthweni okufanayo iku-1,30%. Uma wenza izibalo ngokuqinile, uzophetha ngokuthi i-premium ebekiwe ngalesi sikhathi amaphuzu ashiwo ngenhla angama-80. Njengoba kungenzeka ubonile, akuyona leyo nto eyinkimbinkimbi yokuchaza futhi kunalokho kungasiza kakhulu ukuthuthukisa noma yiliphi isu lokutshala imali.
Izinga lobungozi ezweni
Enye into okumele uyihlole kusuka manje ingcuphe okufanele uyenze lapho usebenza. Ngoba uma i-premium yengozi ibonakala ngento ethile, kungenxa yokuthi iyithola ngokushesha. Akumangalisi ukuthi uma izinga lakho lengcuphe likhuphuka, iphakama iphrimiyamu edingekayo yobungozi. Ngalo mqondo, kwanele ukukhumbula ukuthi ezikhathini ezimbi kakhulu zenkinga yezomnotho eSpain, i-premium yengozi yafakwa kububanzi obabusakazeka phakathi kwamaphoyinti ayisisekelo angama-300 kuye kwangama-500. Lokho ukusho ukuthi, wawuphakeme kakhulu futhi umnotho wezwe wawungakhiqizi futhi ukhombisa ngqo ezimakethe zezezimali, zazo zonke izinhlobo nemibandela.
Nge-premium ephezulu kangaka yobungozi, izimakethe zezezimali ze imali engenayo benza phansi. Phakathi kwezinye izizathu ngoba akukho ukuzethemba emnothweni wezwe. Imakethe yamasheya engayeki ngayo ukwehla naphansi, ngisho nokufinyelela emazingeni aphansi, njengoba kwenzekile eminyakeni eyedlule ngokuhamba phambili ama-stock indices izizwe. Ngalo mqondo, uma i-premium yengozi inyuka kakhulu, kuzoba izaba ezinhle zokuyeka noma ikuphi ukusebenza emakethe yamasheya. Ngoba ngokuqiniseka konke ukuthi intengo yezenzo zabo izokwehla kakhulu. Lokho wukuthi, unawo wonke amavoti okushiya ama-euro amaningi endleleni.
Iphrimiyamu enobungozi obuphansi
Ngokuphambene nalokho, i-premium enobungozi obuphansi, noma okungenani ebekezelelekayo, engaphansi kwamaphoyinti ayisisekelo ayi-100 iyisiginali ecacile yokuthembela emalini yaseSpain. Lo muzwa uqhubeka ngoba kunokuzethemba okukhulu emnothweni waseSpain. Eqinisweni, ungabona ukuthi njalo lapho iphrimiyamu yengozi ephansi ihambisana ne- kuphakama ezimakethe zokulingana. Futhi kunalokho, lapho kuphakama umphumela uphikisana. Ngamanye amagama, amasheya emakethe yamasheya ehlile. Ngakho-ke iqhinga elincane ongalisebenzisa ukwenza ukonga kube nenzuzo kusuka manje kuqhubeke. Ngaphezu kwamanye amasu okutshala imali, noma ngabe anelisa ngokuphelele ngezintshisekelo zakho.
Yize sikhuluma ngomnotho waseSpain, ungasetshenziswa ngokuphelele kwelinye izwe endaweni yethu eseduze. Yize kunjalo, bazoba ne-premium ehlukile yobungozi kuneyethu. Njengakumacala athile e-Italy, France, Holland noma ePortugal, phakathi kokunye okuhambisana kakhulu. Kunoma ikuphi, ucezu lolwazi oluthengiswa nsuku zonke ezimakethe zezezimali. Njengamanani wokulingana, ngokushintshashintsha kwansuku zonke okunganikeza umkhondo ongajwayelekile wokuthi siyini isimo sangempela se-equity. isikweletu somphakathi. Ngalesi sizathu, akukhuthazwa ukuthi unciphise le datha umnotho wamazwe omhlaba akunikeza yona.
Umthelela kumali engenayo engaguquki
Kuyiqiniso ukuthi imiphumela yeprimiyamu yengozi iboniswa ngaphezu kwakho konke kumholo ohleliwe. Futhi ikakhulukazi kwizibopho zaseSpain ezinomthelela ezinqumweni ozozenza kusukela manje kuqhubeke. Uma kwenzeka ukuthi i-premium yobungozi ilinganiselwe kakhulu, kuzoba yisignali yokuthi sekuyisikhathi sokwenza lokho thenga isikweletu sangaphandle futhi ngaphansi kwaziphi izimo. Futhi kolunye uhlangothi ngokunyakaza okuhlukile. Njengoba uzobona, isu lokutshala imali okufanele ulisebenzise lilula kakhulu futhi ngeke likunikeze izinkinga ezeqile ekwenziweni kwalo ngokusemthethweni.
Iphinde ithinte nezimali zokutshala imali ngoba izibopho zamaphethelo zizwela kakhulu kulezi zenzo. Akumangalisi ukuthi lesi sigaba semikhiqizo yezezimali sihlobene kakhulu nokuvela kwe-premium ebizwa ngokuthi yi-risk. Ngalo mqondo, omunye wemikhiqizo ethinteke kakhulu ngokwenyuka ngokweqile kweprimiyamu yengozi yilawa izimali zokutshala izimali ngokuya ngezibopho zangaphandle. Ngenxa yezizathu ezichazwe ngenhla nokuthi uzokuqonda ngamandla amakhulu. Kepha izimali zokutshala imali akuzona zodwa ezithinteka kulokhu kuguquka kwezomnotho okufanele.
Eminye imikhiqizo yasebhange
Ngakolunye uhlangothi, imali ekhokhelwa ubungozi nayo ithinta inzuzo enikezwa yimikhiqizo ehlukahlukene yasebhange (imali yesikhathi, amanothi ezethembiso zebhange noma ama-akhawunti akhokha kakhulu). Ngomqondo, ukuthi wena nikela ngenzalo ethe xaxa noma encane ngokuya ngokuhlukahluka kwezomnotho. Akumangazi-ke ukuthi, njengoba izikhungo ezikweletisa zinezikhungo ezinkulu zokuzixhasa ezimakethe, ngeke zisadingeka ukuthi zisebenzise le mikhiqizo ukungenisa izimali kubantu. Futhi le nhlangano idluliselwa kule mikhiqizo lapho inzuzo yayo izokwehla kakhulu.
Iphrimiyamu engaphansi noma engcupheni ephansi izovuna izintshisekelo zakho ngoba uzokwazi ukuthola i- inzalo yokuncintisana kakhulu kunakuqala. Futhi okufanayo kolunye uhlangothi, njengoba kunengqondo ukuqonda. Ngalesi sizathu, kubaluleke kakhulu ukuthi wazi ukuthi lokhu kuhluka akukhawulelwe emakethe ethile yezezimali. Uma kungenjalo, ekugcineni kugcina kuthinte wonke umuntu. Ngoba kumayelana nokulinganisa ukuthembeka kwezwe. Ngamanye amagama, uma umehluko eSpain ungamaphuzu ayisisekelo angama-50 kuphela, kuzoba uphawu lokuthi kukhona ukuzethemba emnothweni waseSpain. Futhi yisikhathi sokutshala imali kuzikweletu zomphakathi zikazwelonke ngaphezu kwakho konke okunye.
Kukuthinta kanjani ukonga?
Esinye isici okufanele usicabangele ukuthi iphrimiyamu yengozi iyithinta kanjani imali oyongile. Ngalo mqondo, awukwazi ukukhohlwa ukuthi i-premium ekhuphukayo yobungozi, ngokuvamile ayikhiqizi nzuzo ezindaweni zokugcina. Ngokuphambene nalokho, imikhiqizo yezezimali esuselwa ekuguquguqukeni futhi efakwe kwizikhwama zotshalo-mali, izimali ezihwebelana ngokushintshisana ngisho nakulokho okuthiwa ukuthengisa ngesikweletu kungazuza. Bonke bazozuza kulesi simo esikhethekile. Futhi awukwazi ukukhohlwa ukuthi i-premium ephezulu kakhulu yobungozi ifaka amathuba amabhizinisi wangempela okufanele uwathole kusukela manje kuqhubeke.
Kunoma ikuphi, uzobe usucacelwa kancane ukuthi uyini umongo lapho i-premium yengozi ihamba khona. Ukuze ngale ndlela, wenze inzuzo yakho impahla yakho siqu noma yomndeni ngokuya ngesimo esakhiwe ngaso sonke isikhathi. Kepha ngaphezu kwakho konke mayelana nalokho okungafanele ukwenze lapho lokhu kuhluka kwezomnotho kudlula i- imikhawulo eyingozi kakhulu entengo yakho. Yikuphi kobungozi obukhulu lapho abatshalizimali abancane nabaphakathi bevezwa khona. Kepha ukuthi uzokwazi ukubazungeza ngohlelo olunengqondo nolulinganiselayo lokutshala imali, okuthi ekugcineni kosuku kube yilokho ngalezo zikhathi ezinzima.
Okokugcina, kufanele kuqashelwe ukuthi imali ekhokhelwa ubungozi iyahlukahluka nsuku zonke futhi ngeke ube nenye indlela ngaphandle kokulalelisisa ukubheka ukuvela kwayo ezimakethe zezezimali. Ngoba ngezinga elithile imali oyilondolozile kuze kube manje izoncika kulesi senzo. Ukukunikeza izinkomba eziningi zalokho okufanele ukwenze kunalokho obukucabanga ekuqaleni. Ngokusebenziseka ezinqumweni zakho ngaphezu kokumangazayo kusuka kunoma iyiphi iphuzu lethrekhi. Noma ngabe iyiphi iphrofayili yomtshali-zimali oyethula ngaso sonke isikhathi.