Omunye wemikhiqizo yezinkanyezi yonyaka odlule we-2017 kube yimali yokutshala imali. Nganoma yiluphi uhlobo, kusuka kulolo olususelwa emholweni ohleliwe kuye kokuguqukayo. Ngaphandle kokukhohlwa ezinye ezihlukile noma ezihlanganisiwe. Kunezizathu eziningi zokuchaza le mikhuba emisha yabatshalizimali baseSpain abancane nabaphakathi naphakathi. Ngalesi sihloko, uzoba nezikhiye ezidingekayo zokuqonda lolu shintsho kuthrendi ku umhlaba wezimali.
Uma kunencazelo yokuqala yaleli qiniso ekutshalweni kwemali, kungenxa yokuntuleka kokusebenza emikhiqizweni emikhulu yasebhange ehloselwe ukonga. Phakathi kwabo, ukufaka isikhathi, ama-akhawunti ezithela kakhulu, amanothi ezethembiso noma isikweletu somphakathi sezinhlobo ezahlukahlukene. Ngokubuyiselwa kokonga okungadluli amazinga we-1%. Ngisho nokuncane kakhulu kwezinye zazo. Njengokusabela kwinqubo ye- ukushibilika kwentengo yemali. Kukhuthazwe yi-European Central Bank (ECB). Futhi lokho kubeke ku-0%.
Ingxenye enhle yenhlokodolobha yalezi zinhlobo zokonga idluliselwe onyakeni owedlule yaya kwizimali zokutshala imali. Ngokunyakaza okunolaka okuholele ku- amasu amasha okutshala imali. Konke kubukeka sengathi kulo nyaka omusha esiwuqalile, uzoqhubeka ngaphansi kwesimo esifanayo. Ngisho nokuqinisa ezimali zokutshala imali ezixhunyaniswe nezimakethe ezinkulu zamasheya. Hhayi izwe kuphela, kepha nezinye izindawo emhlabeni jikelele.
Ukuqoqwa kwezimali ngoDisemba
Enye yemininingwane yokugcina engashiywanga u-2016 ukuthi inyanga kaDisemba isibe unyaka wesibili omuhle kakhulu embonini yesikhwama sokubambisana, ngokusho kwedatha enikezwe yi-Imantia Capital. Ngokuqondile, inyuke ngama-euro angaphansi kwezigidi ezingama-4.360. Lesi sibalo sikhombisa intshisekelo eqhubekayo engxenyeni yawo wonke amaphrofayili wabatshalizimali. Kusuka kokunolaka kakhulu emakethe, kuye kokulinganayo. Njengomphumela wezimali eziningi zokutshala imali ezikhona njengamanje.
Ukuqhamuka kwalo mkhiqizo wezezimali ezinyangeni ezedlule kuyabonakala. Ngale ndlela, lo mkhakha uvale unyaka wezimali we-2016 ngokukhula kwenani eliphelele lama-euro ayizigidi eziyi-14.210. Ngokwenzayo kusho ukuthi kulo nyaka lenyuke ngama-50%, uma kuqhathaniswa nonyaka odlule. Kulokho okulungiselelwe njengokukhuphuka kwesine okulandelanayo kokungena kwemali kunanoma iyiphi yale mikhiqizo yezezimali. Ukunikeza amamajini amahle kakhulu eminyakeni yamuva.
Mayelana nezigaba ezinenkontileka, kunezindaba ezimayelana nokwabiwa kwemali eyinhloko. Akumangalisi ukuthi, ngokusho kwalo mthombo ofanayo, kukhombisa ukuthi izimali ezifunwa kakhulu kulesi sikhathi yimali engenayo yesikhashana yesikhashana nenzuzo ngenhloso. Kwaziwa emkhakheni wezezimali njengokuthenga nokubamba. Ngenkathi iLa Caixa iphinda njengenhlangano ephathe amanani amakhulu kakhulu ngo-2016. Cishe kube ngu-18,5% wesabelo semakethe. Okulandelayo, iBanco Santander neBBVA, nge-15,3% ne-13,6%, ngokulandelana.
Kuyamangaza ukuthi esinye sezizathu esenza le nkampani ichaze le nzalo engenakuphikwa kwizimali zokutshala imali kungenxa yomphumela wokhetho e-United States. Ngokufika kukaDonald Trump ehhovisi likamongameli womunye weminotho enamandla kakhulu emhlabeni. Kubonisa nokuthi izigaba ezinokusebenza okuhle kakhulu kube lezo ezixhunyaniswe nemakethe yamasheya nezimali ezihlanganisiwe zezimali. Ngokuphambene nalokho, abatshalizimali abancane abanesithakazelo abancane nabaphakathi kube yizakhiwo nemali.
Kungani kunentshisekelo ezimali?
Kunezimbangela eziningi zokuchaza lokhu kudluliswa kwengcebo yabasindisi abaningi abathembele kulo mkhiqizo oyingqayizivele ekutshalweni kwemali. Enye yezinto ezidume kakhulu, ngaphandle kokungabaza, amathuba amaningi wokukhetha imodeli oyithanda kakhulu. Noma okungenani okulingana kahle kakhulu nephrofayili yakho njengomtshalizimali othengisa. Ngezinye izindlela ezingapheli. Cishe eziningi njengezimpahla zezimali ezikhona ezimakethe zezimali. Ungatshala imali cishe kuwo wonke umuntu, ngokulinganiselwa okumbalwa lapho uya khona imali yakho.
Enye yeminikelo yayo emikhulu ilele ekutheni ikhiqiza ukwehlukaniswa okukhulu nokuthe xaxa kokutshalwa kwemali. Ngokuyinhloko ngoba abagxiliswanga kwimpahla eyodwa yezezimali. Kepha ngezinhlobo ezahlukahlukene nangokuhlukahluka. Ngoba ngaphakathi komkhiqizo wezezimali ofanayo ingaqoqa imali engaguquki ngokuguquguqukayo. Ngisho nangezinye izinto ezihlukile ezingejwayelekile. Njengasesimweni esithile sezinto zokusetshenziswa, utshalomali lwezezakhiwo kanye nokuguquguquka kwezimakethe.
Ngaphandle kokuba nganoma yisiphi isikhathi sokwenza iphothifoliyo yokutshala imali. Akumangalisi ukuthi ikhuthazwa futhi iphathwe ngamaqembu ezezimali. Ngenzuzo eyengeziwe yokuthi ungabhalisela noma yisiphi isikhwama samanani akhokheleka ngempela kunoma yimuphi umnotho wasekhaya. Kusuka eminikelweni evela kuma-euro angama-500. Kwezinye izimo, ngisho nemali ebiyelweyo, njengefomula yokuvikela izikhundla ozivula ngesikhathi esithile.
Imigomo yokuhlala
Ukwehluka okukhulu kunikeza isikhathi lapho kufanele ugcine isikhwama sakho sokutshala imali sivulekile. Ochwepheshe kulo mkhiqizo babheka ukuthi amagama anconywe kakhulu aphakathi nendawo futhi made. Ngokwesilinganiso esilinganisiwe esiphakathi kweminyaka emi-3 nengu-5. Yisiphi isikhathi lapho ungaqoqa khona kakhulu imihlomulo yakho. Ngalo mqondo, baziphatha kakhulu njengomkhiqizo wokonga kunokutshala imali. Kunoma ikuphi, ukusebenza kwayo isikhathi esifushane kakhulu kukhawulwe kakhulu ngenxa yezici zalo mkhiqizo.
Noma kunjalo, zinikeza ithuba lokuthi zingaba khona idluliselwe mahhala kwezinye izimali lapho izimo zemakethe zingezinhle kakhulu. Ukuzama ukukhawulela ukulahleka noma okungenani ukusizakala ngamanye amathuba anelisa kakhulu abakunikeza wona wokonga ngendlela enenzuzo enkulu kakhulu. Ngamafuphi, ikunikeza okuhlukile okuningi eminye imikhiqizo yezezimali engenakukunika kona ngenxa yemishini ekhetheke kakhulu yemiklamo yabo.
Esinye isimo ongasizakala ukusukela manje kuqhubeke ukuthi ungakhetha indawo okuyo lapho ungatshala khona imali oyongile. Ngokunethezeka kusuka kumkhiqizo ofanayo nokwenza ngokusemthethweni ukusebenza kusuka ekhaya lakho ezindaweni zeholide. Ngoba kunjalo, okunye kweminikelo yabo ukuthi kungenziwa kube semthethweni online. Nganoma yisiphi isikhathi sosuku futhi usebenza kusuka ebhange lakho elijwayelekile. Ngaphandle kwezithiyo eziningi ukuze ukwazi ukufeza izifiso zokuzibhalisa.
Ngezimali zezinkomba
Inketho ye- phindaphinda kahle ukuziphatha kwenkomba yesitoko. Ngokuqina okufanayo futhi ngokungafani namanye amamodeli wokutshala imali asondele kakhulu kulezi zintengo. Yize okunikezwayo kuwe kuncane kakhulu. Ngeziphakamiso ezincane ezenza ukukhetha kube nzima kakhulu. Kunoma ikuphi, kungenye indlela okufanele utshale ngayo imali yakho ngaphansi kwalezi zakhiwo zesimanje. Futhi lokho kufana kakhulu nalokho okutshalwa ngqo emakethe yamasheya.
Vele, kunenye indlela okufanele ubeke ngayo imali oyongele kulo nyaka esanda kuqala. Ngecebo kufana kakhulu nokuthi ubutshala imali yakho ngqo emakethe yamasheya ngqo. Yize ngomehluko omkhulu. Akukona okunye ongeke ugxile kunani elilodwa, kepha ku- obhasikidi besitoko senkomba yonke yesitoko. Noma yikuphi okukhethayo. Ngalo mqondo, ukufana kwayo nezimali zokutshala imali kukhulu kakhulu.
Izinzuzo zokutshala imali esikhwameni
Akungabazeki ukuthi imali ehlangene inezinzuzo nezinkinga zayo. Kokuqala, uzothola ezinye zazo ezingasiza kakhulu ephaketheni lakho langasese. Kufanele ubagcine engqondweni uma kulo nyaka uzokhetha lo mkhiqizo wezezimali okhethekile. Hhayi ngeze, kuzoba neminikelo eminingi ezokwenzela kusuka kulezi zikhathi. Futhi phakathi kwalezi esiziveza ngezansi zivelele.
- Imvamisa ziwumkhiqizo kulula kakhulu ukuyiqonda. Akunzima nhlobo uma kuqhathaniswa nezinye izinhlobo zokutshala imali. Ungavula ngazo izikhundla kuzo ngaphandle kwezinkinga ezeqile.
- Unefayela le- iziphakamiso ezahlukahlukene. Kokubili kumasheya kanye nemali engenayo engaguquki. Ngisho nezinye izindlela zangempela ongazithola khona manje. Ngeke ube nezinkinga ukuhlangabezana nesidingo sakho sokutshala imali
- Imali yakho yempahla iphezulu ngoba ungangena futhi ushiye izimakethe ngokushesha lapho ufuna. Ngaphandle kwemikhawulo ekuhambeni okwenzayo kunoma yisiphi isigaba semali yokutshala imali. Yize kuzodingeka ulinde isikhathi esingaphezu kosuku ukukhokhelwa kwalo.
- Zenzelwe zonke izinhlobo zabatshalizimali. Kusuka kwabanolaka kakhulu kuya kulabo abanephrofayili elandelanayo. Abakhiphi cishe noma ngubani ezikhundleni zabo. Ngisho neminikelo engabizi kakhulu kuyo yonke imizi.
- Noma kunjalo, ukusebenza kwayo okuphezulu kakhulu ongakwenza thola esikhathini esimaphakathi noma eside sokuhlala unomphela. Lokho, kusuka eminyakeni emi-2 noma emi-3 cishe. Ungalokothi ngezikhathi ezincane kakhulu
- Noma yiliphi ibhange osebenzisana nalo uzoba nomkhiqizo onalezi zici. Ngokunikezwa okungafakiwe kuzo zonke izimali. Kepha yilabo kuphela abakhethwe yibhizinisi uqobo.
- Ungabhalisa kwezinye izimali uma lokhu kuyisifiso sakho, noma kunjalo uzoba namakhomishini adinga kakhulu. Ungakhetha futhi ukubiyela imali, kulokhu i-euro, njengecebo lokuvikela imali oyongele kahle.