Imali yokuhamba ngamanani aphansi eYurophu

izinhlobo

Umhlangano wenyanga kaMashi ngu I-European Central Bank (ECB) iveze ukuthi abahlaziyi bezezimali babecabangani. Ngamanye amagama, amanani enzalo endaweni ye-euro azoqhubeka njengoba kade enza nokuthi ngeke avuke ekuqaleni konyaka. Isimo esijezisa isenzo sabasindisi abangakwazi ukuthola imbuyiselo kulondolozo lwabo. Ngamamajini wokulamula ahamba phakathi kuka-0,25% no-0,60%. Ngenani lemali elingakaze lishibhile kunamanje.

Iningi labahlaziyi bezezimali bakholelwa ukuthi intengo yemali ngeke ishiye i- amazinga omlando ka-0% kuze kube maphakathi nonyaka olandelayo. Ngakho-ke, abasindisi abancane nabaphakathi kumele babekezele ukufuna inzuzo ephezulu yemikhiqizo eyonga kakhulu. Kubasebenzisi abangafuni ukubeka imali yabo engcupheni kumikhiqizo yezimakethe zamasheya engahambi ngezikhathi ezinhle kakhulu, ngokunikezwa ingozi abayisebenzisa ngenxa yokulungiswa okubonakalayo okungenzeka babhekane nakho kusukela manje.

Kodwa-ke, kukhona ezinye izinketho zokuthuthukisa la mazinga enzuzo kufayela le- imali yasebhange yesikhathi esinqunyiwe. Ngamasu ahlukahlukene izikhungo ezikweletisa ezisebenzisile nalapho izinzuzo zenzuzo zingakhushulwa cishe ngephesenti elilodwa maqondana namazinga okuqala ale mikhiqizo yezezimali. Kunoma ikuphi, ngokukhokha okungaguquguquki futhi okuqinisekisiwe njalo ngonyaka futhi lokhu kuyinto ngalesi sikhathi engenakubukelwa phansi nganoma iyiphi indlela.

Amanani aphansi: amadiphozi angu-1%

Ngaphakathi kwalo mkhiqizo, okulula ukuwuthenga, okwamanje kunembalwa izipesheli ezikhangayo ezizobhaliswa abasebenzisi. Kodwa-ke, ezinye izikhungo zezezimali zethule amadiphozi ezinyanga eziyishumi nambili emakethe okungenzeka finyelela amazinga asondele ku-1,20 %. Yize iziphakamiso eziningi zivela kulokho okubizwa ngokuthi yibhange ledijithali futhi kuvikelwe kuze kufike kuma-euro okuqala ayi-100.000, kulokhu ngezimali zokuqinisekisa idiphozi. Uma kwenzeka noma yisiphi isehlakalo okungase kube khona izikhungo ezikweletisa.

Ngaphandle kwanoma yiluphi uhlobo lwezixhumanisi, noma ngabe kungenzeka imali ekhokhwayo edonswa ngqo kanye nezikweletu ezinkulu zasekhaya (amanzi, igesi, ugesi, njll.), njengoba kwenzeka ngezinhlaka ezivamile zebhange. Zidinga kuphela ukwenziwa kwenkontileka ye-akhawunti yokuhlola noma yokonga ebhizinisini nalapho imali yabanikazi efanayo ingaphathwa khona. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okuzoba yisihloko sokunye ukuhlaziywa okuhluke ngokuphelele.

Inzalo eyengeziwe kwimigomo emide

Njengoba kunengqondo ukucabanga, inzuzo iqala ukukhula njengoba imigomo yaphakade ikhula. Ngenxa yalolu hlelo lokuhweba, kunemigomo ephakathi, phakathi kwezinyanga eziyi-18 nezinyanga ezingama-24 ukuthi bangaphinde bathuthukise imiphumela yediphozi yezinyanga eziyi-12 ngamaphesenti ayishumi esilinganiso sephesenti. Noma kulesi simo esithile, kubekwa utshalomali oluncane. Ngenani lemali eliphakathi kuka-3.000 no-15.000 euros. Kunoma yiziphi izimo, ngophahla oluholelwe kakhulu olusungulwe kuma-quotas aphakeme kakhulu, ngokuvamile emazingeni asondele kuma-euro ayi-100.000.

Ngenkathi ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi lolu hlobo lokuphakanyiswa kwesikhathi esimaphakathi zilawulwa ngamasu wokugcina ezakhiweni zazo. Ngakolunye uhlangothi, amanani azobhaliswa kuleli banga lamadiphozithi ethemu aphezulu. Kulokhu, ngaphansi kweminikelo ephansi yemali ezungeze i-15.000 noma i-20.000 euro ukuthuthukisa umholo kulesigaba semikhiqizo yezezimali. Ngale ndlela, kuyinani okufanele likhutshwe amandla isikhathi eside, futhi ngaphandle kokuthi likwazi ukukhanselwa ngaphambi kwesikhathi, njengoba kwenzeka nakwamanye amadiphozi anenani elincane lomnotho.

Imikhiqizo Eqondisiwe Yesikhathi Eside

umnqamulajuqu

Okunye okunikezwayo izikhungo ezikweletisa ezikhulayo yilezo zokufakwa kwemali ezinesikhathi eside sokusebenza. Ukucwiliswa ku-hairpin ehambayo kusuka ezinyangeni ezingama-24 kuye kwezingu-48 lapho kufanele uhlale khona kulesi sigaba semikhiqizo yezezimali. Iholo labo liphakeme kancane, kepha ngaphandle kokunyuswa esingakubheka njengokumangazayo. Banyusa kuphela inani lenzalo ngamaphesenti ayishumi esilinganiso samaphesenti uma kuqhathaniswa nalezo zesikhathi esifushane. Kulezi zimo, inzuzo ezimweni ezinhle kakhulu ingafinyelela kakhulu emazingeni we-2%.

Ngakolunye uhlangothi, futhi alikho ibanga lokuxhuma maqondana nenkontileka yeminye imikhiqizo yasebhange. Uma kungenjalo, ngokuphambene nalokho, sibhekene nemikhiqizo yendabuko ngokwendlela eyakhiwe ngayo futhi lapho okuwukuphela kwento entsha abayibonisayo kungukunyuka kwesikhathi saphakade. Ngezinkokhelo ezithile, kwesinye isikhathi, ezingathuthukiswa ngokukhokhwa ngekota, okonyaka nonyaka noma ngonyaka esikhundleni sokukuthola lapho kufanele. Ukuze ngale ndlela ukwazi jabulela ukwenziwa kwemali ngaphambi kwesikhathi. Kulokho okuyindlela yokuhweba amabhange abhejela kuyo ngokuqinile.

Yenzelwe amaphrofayli alondolozayo

Lezi ziphakamiso ezenziwe amabhange aseSpain zihloselwe ngaphezu kwabo bonke abasebenzisi abane- iphrofayli evikelayo noma evikelekile. Lapho ukuvikeleka kokonga kudlula okunye ukucatshangelwa, kufaka phakathi inzuzo ekhuphukile. Kubantu, okuthi ngasizathu simbe, abafuni ukutshala imali yabo kumikhiqizo exhunywe namasheya. Ubhekene nombono walezi ezingaqinisekile ngenxa yokungazinzi kwalezi zimpahla zezimali ezikhona njengamanje. Ngemuva kwesikhathi se-bullish esingaphela noma kunini.

Ngenkathi kwenzeka okuphambene nalokho, okubhekanwa nakho ngamadiphozi asebhange wesikhathi esimisiwe dala isikhwama sokonga unyaka nonyaka nangesikhathi eside impela sokuhlala unomphela. Ukwazi ukuqinisekisa inkokhelo yonyaka engaguquguquki futhi eqinisekisiwe nanoma yini eyenzekayo ezimakethe ezehlukene zezezimali. Ngenzuzo eyengeziwe yale mikhiqizo yezezimali ukuthi abanalo noma yiluphi uhlobo lwamakhomishini noma izindleko ekuphathweni noma ekugcineni kwabo. Okusho ukuthi, ukukhokhwa kwemali ngeke kusasebenza ngokuphelele kusukela ekuqaleni. Ngokungafani nalokho okwenzekayo ngokutshala izimali ezimakethe zezimali.

Kungcono ku-inthanethi kunasemagatsheni

online

Amanye amasu asetshenziswa ngamabhange ukukhuthaza imali efakwe ku-inthanethi, noma ngabe iyini indlela yabo kanye nemibandela le mikhiqizo eqondiswe kuyo. Ngakolunye uhlangothi, zikhululekile ukuqasha ngoba ungakwenza kube semthethweni ekhaya noma ngasiphi isikhathi sosuku. Ngenkathi ngakolunye uhlangothi, ukwazile ukwenza ngcono imishado yokulamula kancane, noma ngabe kungamaphesenti ambalwa eshumini. Kumnikelo oqhubeka kancane kancane ngenxa yezici zawo ezikhethekile. Ngaphandle kokuthi uvele ehhovisi noma egatsheni lasebhange. Ukuze ngale ndlela futhi ugcine isikhathi ekuphatheni ukuqashwa kwakho.

Esinye isici okufanele sihlolwe ngale ndlela ukuthi yizo iguqulelwe kuzo zonke izikhathi ezibekiwe ozifunayo, Akunamkhawulo kulokhu futhi nguwe uqobo ohlaziya iziphakamiso ukuqinisekisa imibandela yokuqashwa kwabo. Ngisho nokwenza ukuqhathanisa phakathi kokukhushulwa okwenziwe ngamabhange emakethe. Ngoba empeleni, kungaba nomehluko obaluleke kakhulu phakathi kokunye nokunye. Ukufika ezingeni lokuthi ezinye zazo zingaba nenzuzo ethe xaxa kunezinye ngokususelwa kwamanye amapharamitha ahlukile. Ukuza ekuhlaziyweni okujulile okuvela ekhaya lakho noma kwenye indawo lapho ukhona ngaleso sikhathi.

Intela yamadiphozithi esikhathi

imali

Esinye isici okufanele sinakwe ekwenzeni ngokusemthethweni umkhiqizo walezi zici intela esetshenziswayo okwamanje. Ukuze wazi ukuthi yini i- ukusebenza kwangempela kwale mikhiqizo. Imali engenayo yonke ayifani nemali engenayo futhi kulokhu ngeke kube khona okunye ongakwenza ngaphandle kokuhlaziya intela yakho. Ngoba ekugcineni ngeke kube konke ukusebenza okuya ku-akhawunti yakho yokonga. Uma kungenjalo, ngokuphambene nalokho, ama-euro ambalwa azodonswa ngenxa yentela esetshenziswa kulondolozo.

Ngalo mqondo, amadiphozithi akhokhiswa intela kusisekelo sentela yokonga futhi athathwa njengemali etholakala enhlokodolobha ehambayo. Ngokutholwa okufika kuma-euro ayizi-6.000, isilinganiso esisetshenzisiwe singama-19%, ama-21% aze afike ku-50.000 euros kanye nama-23%, okuyisilinganiso esiphezulu samanani amakhulu kunama-euro angama-50.000. Lapho lezi zinto sezihlisiwe, imali izosala ezoya ku-akhawunti yakho yokuhlola, noma ngabe kunjalo kuzofanela uyimemezele esitatimendeni sakho semali esilandelayo. Futhi lokho kuzoncika kwenye imali engenayo onayo, ngokwemikhiqizo yokonga kanye naleyo exhunywe kutshalomali. Uma kungenjalo, ngokuphambene nalokho, kuzodonswa ama-euro ambalwa ngenxa yentela esetshenziswa kulondolozo.


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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.