Ukukhetha phakathi kwemikhiqizo kusuka emholweni ongaguquguquki noma kumholo oguqukayo kungenye yezinqumo ezivelayo ngokutshalwa kwemali kwakho engxenyeni yesibili yonyaka. Ngemuva kokudlula kwesibili ngebanga elingcono kunalokho obekulindelekile ukuhlolwa kwezinyanga eziyisithupha zokuqala zomsebenzi. Ngokumangala kwayo okunengqondo nangokungabaza okuningi endleleni. Kepha ekugcineni kosuku bavala lesi sikhathi ngebhalansi evumayo ezikhundleni zabatshalizimali abancane nabaphakathi, nokuyinto ekugcineni emayelana nayo.
Ngalo mqondo, abahlaziyi beRenta 4 Banco bacace bha ngokuthanda kwabo njengoba kugcinwa kakhulu yimali ngokulingana nemali engenayo engaguquki ngo-2019. ngokulinganisa okukhangayo ngokwe migomo. Ngaphakathi kwesimo esithathwa njengokuncipha, kepha hhayi ukwehla kwamandla omnotho. Isici okuvame ukuphikiswana ngaso ngezikhathi ezithile ezimakethe zezimali futhi leso esikhuthaza ingxenye enhle yabatshalizimali ukuthi bangathathi izikhundla kumanani wemali engenayo eguquguqukayo. Ngokwesaba ukuphahlazeka okukhulu ezimakethe zamasheya. Into engakenzeki kuze kube manje, kude nayo.
Ngakolunye uhlangothi, izinqubomgomo zezimali zizoqhubeka nokuhleleka kwazo kancane kancane ngonyaka ka-2019. Uma kunjalo, njengoba kulindelwe ezinyangeni ezizayo, kungaba ithuba elihle lokuvula izikhundla ezimakethe zamasheya ukuze zenze inzuzo. vula. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusuka kuzisekelo zayo. Noma okungenani kuyisici esifanelekile lokho zehlisa izimakethe zezimali. Akumangalisi ukuthi leli qiniso lisimema ukuthi sithenge amanani akhethiwe kakhulu emalini, kuzwelonke nangaphandle kwemingcele yethu.
Ukwehla komjikelezo wezomnotho
Kunoma ikuphi, umnyango wokuhlaziya iRenta 4 Banco uqokomisa ukuthi ukuthuthukisa noma yiliphi isu lokutshala imali lowe-2019 kuzofanele ukuthi kubhekwe ezinyangeni ezizayo lapho singaphansi kwesimo sokuncipha komjikelezo womnotho womhlaba, yize kugcinwa amazinga afanele omsebenzi. Ngokuhle, abanye izimo zezimali zisavuma futhi, njengokuhudula okuyinhloko ekukhuleni, lapho lo mhlaziyi wezezimali engeza khona "isikweletu esikhulu ezingeni lomhlaba jikelele." Kuzoba yisici okufanele usicabangele ezinsukwini noma ezinyangeni ezizayo.
Mayelana nokungabaza kwaphakade kwe-sim, kuyadingeka ukwaba imali kumholo ongaguquguquki noma kumholo oguqukayo, futhi abanakho ukungabaza ngoba bagcina ukuthanda okusobala kwesibili kwezimali ezibonisiwe. Lapho leli su lokutshala imali lingathandwa kuze kube sezingeni lokuthi umsebenzi wezomnotho uzoqhubeka nokuxhasa ukuvela kwemiphumela yebhizinisi. Ukuthi ngokuya ngokulinganisa kwalesi sikhungo sezezimali bacabanga ukuthi singafinyelela nakumadijithi. Ngamanye amagama, kwezinye izimo isitoko sisazoba nenani elingaba khona lokubonga maqondana namanani entengo amanje.
Izinkinga eziningi emholweni ongaguquki
Ngenkathi ngokuphambene nalokho, imali engenayo engaguquki ngeke isaba nokuxhaswa okucacile kwamabhange amakhulu. Njengesibonakaliso esicacile sokuthi bangakwazi thatha uchungechunge lwezingozi uma ekugcineni lesi sinqumo esibonakala silondoloza ngokweqile noma sivikela kukhethwa kubatshalizimali abancane nabaphakathi. Lapho ngaphandle kokungabaza ukuthi kungalahleka imali eningi endleleni ngenxa yesimo samanje salezi zimpahla zezimali. Akumangalisi ukuthi nganoma yisiphi isikhathi inganikeza ukungajabuli okuthile noma okunye kubasebenzisi ababekwe kule ngxenye yotshalo-mali.
Akumangalisi-ke ukuthi, akuyona imfihlakalo ukuthi ngokwalolu cwaningo, ukutshala imali ezinkampanini kusaheha kakhulu kulezi, ngisho nokukhuluma ngokomlando. Ngezaphulelo ezahlukanayo phakathi kuka-10% no-30 %, nange-PER esondele eminyakeni engama-30. Ngakolunye uhlangothi, ngaphakathi kwemali engenayo eguquguqukayo kulinganiselwa ukuthi iYurophu ingaba lusizo olukhulu kuneSpain kubatshalizimali abancane nabaphakathi ngalesi sikhathi. Ukuthi iphule izisekeli ezithile ezifanele ezaziphambi kwayo ngentengo yayo.
Khulisa ukungazinzi
Kunoma ikuphi, abahlaziyi bezezimali nabo banethonya eqinisweni lokuthi ukubuya okulindelekile kumasheya angeke akhululwe ekuguquguqukeni. Lesi yisici esikwazile ukusifakazela phakathi nezinyanga eziyisithupha zokuqala zalo nyaka, ngomehluko omkhulu phakathi kwamanani entengo aphezulu kanye namanani aphansi nokuthi kwezinye izimo kuholele ekwehlukaneni okungaphezulu kuka-4% noma u-5% ekulinganisweni amanani abo ezimakethe zezimali. Ukuba ngenye yezingozi ezinkulu zabasindisi kule ngxenye yesibili yonyaka okhetheke kakhulu. Ikakhulukazi uma izinqubomgomo zezimali ziguquka ezinhlangothini zombili ze-Atlantic, nokuyinto ebekwa etafuleni ezimakethe zamasheya njengamanje.
Ngakolunye uhlangothi, kufanele futhi sicabangele izingozi eziningi ezitholakala ekukhuleni (ukunaka izingxoxo zokuhweba phakathi kwe-US neChina) noma ezepolitiki (i-Italy, iBrexit, ukhetho lwase-Europe kanye nengxabano engabusa e-Ukraine, phakathi kwamanye amaqiniso afanele ). Noma ngabe ikuphi, lokhu kungezelela kokungazinzi kuzokhiqiza amathuba okuthenga kulo lonke umnqamulajuqu wangonyaka ozayo. Lokho, kunjalo, amathuba ebhizinisi azokwenziwa kusukela manje kuqhubeke. Njengoba kwenzeka njalo ngezwe eliyinkimbinkimbi lemali.
Kungani uthenga imali engenayo engaguquki?
Izikhundla ezithandekayo kuleli banga lamasu okutshala imali zinokuma okusekelwe kumodeli yokonga ezolile kuze kube manje. Kepha lesi simo ngokungangabazeki singashintsha kusuka ezinsukwini noma emavikini ambalwa alandelayo futhi into embi kakhulu ukuthi zingashintsha kanjani lezi zinguquko ekubukeni kwengozi. Ngoba empeleni, imali engaguquki iyeka ukuba yilokho impahla yezezimali enokuthula ayekujabulela kuze kube manje. Uma kungenjalo ngokuphambene, ingaba utshalomali oluyingozi kakhulu kunamasheya ngokwawo noma kusuka kumamodeli otshalo-mali athathwa njengokunye.
Vele, esinye isici okufanele silinganiswe emholweni ongaguquki yiyona inzuzo ephansi ezinikela ngemikhiqizo yazo ehlukile yezezimali okwamanje. Lapho kunzima kakhulu ukuthola inzalo ephezulu kune-3% noma i-4%, njengoba ubonile ezinyangeni ezisanda kwedlula, kulo nyaka nangaphambilini. Ngisho nasengozini yokushiya ama-euro ambalwa endleleni. Okuthile okuvezwe kwizimali zokutshala imali ngokususelwa ezimakethe zemiholo ezihleliwe. Ngokuncipha kwezikhundla zabo zokutshala imali.
Yini engcono ukutshala imali manje?
Lona ngumbuzo wamarandi ayisigidi lapho ingxenye enhle yabatshalizimali abancane nabaphakathi bezibuza khona ngaphambi kwepanorama eyethulwe umkhakha wemali. Yebo, konke kubonakala kukhombisa ukuthi bazoba ngamamodeli wokutshala imali asuselwa kwizimali. Ngoba ukuthola ifayela le- ukubuya okuphezulu ukonga ngeke kube nenye indlela ngaphandle kokuthatha izingozi ezithile. Ngenkathi ngakolunye uhlangothi, okulindelwe okwamanje kwezimali zingcono kunemali engenayo engaguquki. Okungenani maqondana nalokho okuzokwenzeka engxenyeni yesibili yonyaka lapho imakethe yamasheya ifanelwa ukuzethemba okukhulu ukwenza ukonga kube nenzuzo ngendlela eyanelisa kakhulu izintshisekelo zabasindisi.
Kufanele futhi kugcizelelwe ukuthi uhlangothi lobuchwepheshe lwezimakethe zokulingana alubi. Hhayi kancane. Uma kungenjalo kwezinye izimo, gcina ukuthambekela okuphezulu kuchazwe kahle kakhulu futhi lokho kungasiza abatshalizimali abancane nabaphakathi ukwenza isinqumo esifanele kunazo zonke. Yize kubiza ukuthatha ingozi enkulu emisebenzini ezothathwa ezinsukwini noma emasontweni ambalwa ezayo. Lapho futhi kuyiqiniso khona ukuthi noma yini ingenzeka ngenxa yazo zonke izindaba ezisalindile ezimakethe zamasheya ezinazo.
Isivuno sokwehlukaniswa
Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi imbuyiselo emaphakathi enikezwa izabelo kumasheya itholakala emazingeni asondele kakhulu ku-5%. Lokho, kuphana kakhulu kunezinga lenzalo yemikhiqizo engenayo engaguquki eyinhloko nokuthi imali engenayo engaguquguquki futhi eqinisekisiwe minyaka yonke. Noma yini eyenzekayo ezimakethe zezimali. Futhi lesi yisici esidlala ngokuthanda imakethe yamasheya ku amaphrofayili otshalo-mali olonda kakhulu noma ozivikela kakhulu.
Ngoba banemali engenayo efanelekile okwamanje engaqinisekisiwe ngeminye imikhiqizo yezezimali yanoma yiluphi uhlobo. Ezinkampanini ezisohlwini ezingaphansi kwemikhakha ehlukene yemisebenzi yebhizinisi. Kusuka kumanani aphakathi nendawo kuya kwabanye abanolaka olukhulu kepha ekugcineni abavumelana ngalesi sici: banikela ngemali kubaninimasheya. Ngezinga lenzalo elifinyelela ku-8%.