Cishe Abatshalizimali abangama-300.000 Ukuthi balahlekelwe yimali abebelondolozile njengezindaba ezifanele njengezinye eziningi lingatheleleka yalokhu kwesaba. Lona ngomunye wemiphumela edalwe ukuthengwa kweBanco Popular yinkampani ephethwe ngu-Ana Patricia Botín. Ekugijimeni okuhamba emigwaqweni nasezikweleni zamadolobha ethu ngabasebenzisi abakhombisa ukwesaba okuthile ukuthi lesi simo singenzeka kwamanye amabhange. Kodwa-ke, ukutheleleka okwamanje akusona isimo esenziwa ngabahlaziyi bezezimali.
Elinye lamaphutha amakhulu abatshalizimali abancane nabaphakathi abakwenzayo ukungaphumi kwimpahla yokuphepha noma yezezimali ngesikhathi. Engcupheni yokulahlekelwa ngokungazelelwe yonke iminikelo yakho yezezimali. Ikakhulu, lapho izintengo zalezi zibambiso i-van ukulahlekelwa ngu-50%, 60% noma ngaphezulu kuka-95%. Ngoba empeleni, ukungazi ukuthi ungahoxa kanjani ngesikhathi kuyindlela eqonde kunazo zonke yokwehluleka ekusebenzeni kwezezimali. Njengoba kwenzekile ngalezi zinsuku nabaninimasheya weBanco Santander.
Kungancamela, kulezi zimo, ukushiya u-30% noma u-60% wemali esiyongele phansi. Ngoba uma lezi zimo zithuthuka ngeke kube khona okungenziwa. Ngaphandle kokuthi kuqalwe izingxabano zomthetho ezingahlala izinyanga eziningi futhi eziningi. Kungenxa yalesi sizathu ukuthi kufanele ube kakhulu okukhethayo ekuthengeni kwakho ezimakethe zokulingana. Kepha ukuthengisa okungaphezulu kokugijima. Ikakhulukazi uma ungafuni ukuthola isimanga esingaphezu kwesisodwa esibi kusuka manje kuqhubeke.
Ukubonwa Komkhakha Wasebhange: Kuyaziwa
Vele, omunye wemikhakha ezobhekwa kakhulu manje umkhakha wamabhange. Ngenxa yezizathu ezinengqondo ngokuphelele futhi etholakala ezenzakalweni ezisanda kwenzeka ngalezi zinsuku. Ekugcineni, kumayelana nokusebenzisa isu elinengqondo nelinengqondo njenge phuma ekutshalweni okubi ukuze ungalutheki. Ngoba uzokugwema ukuthi ibhalansi ye-akhawunti yakho yokuhlola ihlupheke. Futhi ngalokhu, awunaso esinye isisombululo ngaphandle kokuvikela izikhundla zakho emalini. Ngeshwa, ngeke ube nenye indlela yokufeza izinhloso zakho ozifisa kakhulu maqondana nezwe lemali elihlale liyinkimbinkimbi.
Enye yezindlela eziphumelela kakhulu zokulindela ukunyakaza kwe-bearish kulezi zimali zokulingana ngezinkomba ezahlukahlukene eziqhubekisela phambili ukuthuthukiswa kwalo mkhuba. Kuze kube seqophelweni lokuthi bazobe benikeza imihlahlandlela ethembeke kakhulu futhi efanele ukuthi ushiye izimakethe lapho zibhalwe khona. Kulokhu unochungechunge lwezibalo ezingasiza kakhulu ngesikhathi esithile ekutshalweni kwemali. Yize ucace bha ukuthi abaninimasheya beBanco Popular abayisebenzisanga nganoma yisiphi isikhathi.
ILiberbank ngokulandelayo ohlwini?
Vele, izehlakalo zezinsuku zakamuva emkhakheni wamabhange zibeke ama-alamu engxenyeni enkulu yabatshalizimali abancane nabaphakathi nendawo. Futhi kubonakala sengathi izingcindezi zidluliselwe kwelinye lamabhange afakwe ohlwini lwezimali zaseSpain. Ngokuqondile i-Liberbank, amasheya ayo kwehle ngaphezu kuka-20% ngezikhathi zokugcina zokuhweba. Ngenxa yokungaqiniseki ukuthi isinqumo seBanco Popular nokuthengwa kwaso kamuva yiSantander sikhiqize kubatshalizimali baso. Umphumela wokutheleleka ubukhona kubatshalizimali.
Kusukela kulesi simo, ukuphepha kwebhizinisi kuvaliwe kakhulu kakhulu kumazinga asondele kuma-euro angama-0,70 ngesabelo ngasinye. Awukwazi ukukhohlwa ukuthi lena eyakho isilinganiso esibi kakhulu ezinyangeni ezisanda kwedlula. Ngaphandle kokunquma ukuthi ingaya phansi kakhulu futhi ifinyelele ezindaweni eziphansi kakhulu. Ukugcina ukwehla kwamandla angenakuphikwa futhi okuholele ekutheni intengo yayo ilahlekelwe ngaphezu kwama-30% kuze kube manje kulo nyaka. Ukuba ngenye yamanani we-bearish emakethe kazwelonke eqhubekayo.
Kuze kufike lapho kufinyelele khona ukwethuka okuthile ezimakethe zezimali. Ngokubekwa okucacile kokuthengiwe ekuthengisweni leyo ihlose ukuhlola inhloso yangempela yabasebenza. Lapho konke kubonakala njengokuhamba kwesikhathi, kepha kungahlala ngokuhamba kwesikhathi. Akumangazi ukuthi baningi abasebenzeli bezezimali okungenzeka ukuthi banikeza ukufana okuthile nakho konke okwenzekile muva nje ngokuthengwa kweBanco Santander. Okungaholela ekuphumeni okukhulu kwengxenye enhle yabatshalizimali abancane nabaphakathi. Umbuzo uvela ukuthi ngabe lesi simo singaphindwa futhi.
Ingabe kufanele sithenge amasheya asebhange?
Manje umbuzo wabasindisa ukuthi ngabe yisikhathi esihle yini sokungena emabhange. Yonke le micimbi ivimbela ukusabela okuhle kule ndlela onayo kumasheya. Kungaba yiqiniso, kepha kuyakufakazela lokho izikhungo zezimali nge solvency baziphatha kahle kakhulu ezimakethe zezezimali. Ngisho nokubuyekezwa okuphawulekayo unyaka wonke, okuthi kwezinye izimo kudlule amazinga angama-30%. Futhi, ngethemba elihle leminyaka embalwa ezayo. Phakathi kwawo amasheya eSantander, aphendule ngokwenyuka ekunyakazeni kwezinsuku zakamuva.
Kunoma ikuphi, elinye lamasu okutshala imali livela kulezi zikhathi lapho likhetha kakhulu lapho lifuna amanani esitokwe afaneleka kakhulu. Ngalo mqondo, kunjalo I-BBVA ne-Santander labo abanokuvumelana okukhulu phakathi kwabahlaziyi abahlukahlukene bezimakethe zezimali. Ngethuba lokuhlaziywa elingaphezu kwezintengo zalo zamanje. Futhi ukuthi esimweni esithile sesibili samabhizinisi kungaba cishe ama-euro ayisikhombisa noma ayisishiyagalombili ngamasheya ngamunye. Yize kuhloselwe isikhathi saphakade unomphela esikhathini esimaphakathi noma eside.
Amasu wokufaka isicelo
Kunoma ikuphi, uvalo selufikile kubatshalizimali abafuna ukuzibeka emkhakheni wamabhange. Ngokunikezwa kokuvela kwezinye zezinkampani ezibalwe. Ngokuqondile ngalesi sizathu, ngeke kube khona okunye ongakwenza ngaphandle kokuthatha uchungechunge lwezinyathelo zokuqapha uma ungafuni ukumangala okungaphezu kokukodwa kusukela manje. Phakathi kwazo kukhona izincomo ezilandelayo esikuvezela zona ngezansi.
Musa ukutshala nganoma iyiphi indlela yonke imali yakho etholakalayo yalolu hlobo lokusebenza kwezezimali. Kepha, kunalokho, ngesigamu sabo kuphela uzokwanelisa ukufunwa ngokusebenza kahle okukhulu.
Kufanele ugxile kuphela ku- amanani aqinile zezimakethe zezimali. Noma okungenani banesici sobuchwepheshe esingcono kakhulu. Futhi uma kungaba ngaphansi komkhuba ocacile we-bullish, khona-ke kungcono kakhulu kuzintshisekelo zakho. Hhayi ngeze, uzoba nomhlaba omningi otholakele ukuthola izinzuzo ezinkulu.
Akufanele ugembule imali yakho ngaphandle kwemininingwane yokuthi iyini ngempela okwenzeka kulo mkhakha. Ngakho-ke, uzodinga ukusekelwa okubanzi ukuqinisekisa ubuqiniso balawa magugu ashisayo kulezi zinsuku zokuqala zasehlobo.
Ukulondolozwa kwe- izisekelo zokuhambisana okuthile Kuzoba ngesinye sezimfuneko zokuncika kumanani aphambili lapho ungenza khona ukonga kube yinzuzo. Kumele ubalawule ngokuzinikela okukhulu ngoba kuzoba ngenye yamasu amahle kakhulu wokugcina izintshisekelo zakho emakethe yamasheya.
Ungakhethi iziphakamiso zokulingana ezifakwe ngaphansi kwe- ukuvunguza phansi ngamandla amakhulu. Ikakhulukazi uma bekhula ngezikhathi eziningi zokuhweba futhi ngokuqhubekayo. Akufanele nakancane ukuthi bangene kuphothifoliyo yakho kusukela manje kuqhubeke.
Kuyadingeka ukukhombisa ukuthi umkhakha webhange akuyona kuphela ukuze ukwazi ukuvula izikhundla emalini. Ngoba unezinto eziningi futhi ezinye zazo ezinesici sobuchwepheshe esingcono. Thanda ukwamukela iziphakamiso zakho zokuthenga amasheya kusukela manje kuqhubeke. Futhi izokunikeza nokuvikeleka okukhulu ukulondoloza imali oyongile.
Umkhakha wamabhange ukhombisa ezinyangeni ezedlule okukhulu ukuguquguquka kukhotheshini yamanani abo. Lesi sici singakulimaza ngokweqile uma ufuna utshalomali oluzinzile nokuthi alukuniki ukwethuka ekutholeni amasheya alo.
Njengamanje, amabhange amancane ayingozi kunazo zonke. Ubungozi bokulawulwa ukuthatha izinkampani Engxenyeni yalabo abanezimali ezinkulu kakhulu, kuyindima engeke ikusize ukufeza izinhloso zakho ezimweni eziningi. Kancane kakhulu ezimweni ezingezinhle neze ezimakethe zezimali.
Uma ungafuni izingozi, kuzoba ngcono kakhulu ukuthi uzikhulumele ngalesi sikhathi kwamanye amanani awenzelwe i- a iphrofayili yabatshalizimali abavikela kakhulu noma abalondolozayo. Vele, iziphakamiso ngeke ziswele nganoma yisiphi isikhathi, noma ezinye zazo zinesikhalazo esikhulu sokwenza ukuthi zenze inzuzo kusukela ekuqaleni.
Awukwazi ukukhohlwa ukuthi umkhakha webhange Kubaluleke kakhulu emakethe yamasheya aseSpain. Ukuziphendukela kukabani kuncike ekuziphatheni kwawo wonke amabhange afakwe kuhlu. Kokubili okukhulu nokuncane. Kukhona ukuncika ngokweqile kuzo, nangaphezulu kwale kweminye imikhakha.
Futhi ekugcineni, ungakhohlwa ukuthi umkhakha ofanele kakhulu ongawukhetha ngesikhathi esithile sonyaka. Futhi lokho kunoma yikuphi, kufanele kube njalo yethule kuphothifoliyo yakho elandelayo yokutshala imali.
Kunabatshalizimali abacishe babe ngama-300.000 abalahlekelwe yimali yabo, manje ngiyazibuza ... noma amabhange ehlanganisa lokhu, ngabe kukhona isikhwama esiphuthumayo uma kwenzeka ibhange liqothuka? kunesikhwama esinikezelwe ngokukhethekile kulezi zimbangela, ngiyacabanga.
Noma kunakho konke lokhu, kuyohlale kukhona umkhawulo wabantu abazoba nezinkinga zokuthola imali yabo.
Okuthile kuyiqiniso impela ... lapho iBhange lihlenga noma lithenga amasheya elinye, leli bhange liyaqina futhi linikeze ithemba ebhange ngefulegi lalo. Isibonelo sineBanco Santander, futhi nginesiqiniseko sokuthi manje sekuzothuthuka ezimakethe zamasheya.