Izinzuzo ezivela emakethe yamasheya yaseSpain njengenketho yokutshala imali

Elinye lamasu lapho abatshalizimali abavikela kakhulu abavela kuzo ngezinkampani ezibalulwe kumasheya aseSpain anikeza abaninimasheya abo ukusatshalaliswa komholo wenzuzo yabo. Ziyaziwa njengezabelo, nalokho Zakhiwe njengendlela yokuthola imali engenayo ngaphakathi kokuguquguqukayo. Kulula kanjalo, kepha ngasikhathi sinye kuyinkimbinkimbi njengoba uzohlola ukuthi ngabe le yiphrofayili yakho njengomtshalizimali.

Ingxenye enhle yezinkampani zikazwelonke ezibhalwe emakethe kazwelonke eqhubekayo ziphethe ukusabalalisa izinzuzo kubo bonke abasindisi abathathe izikhundla kumasheya abo. Zethula isivuno sonyaka esibuhlungu kakhulu, kusukela Zisuka ku-1% omncane, ziye kwabaphana kakhulu eziphakamisa amamajini wazo cishe abe ngu-8%. Ngeqembu lonke lezinkampani eziphethe ukusabalalisa lo mholo phakathi kwabatshalizimali abathenga amasheya abo.

Kepha manje, kuyalulekwa yini ukuthenga ukuphepha okusohlwini ngeqiniso lokuthi lisabalalisa izinzuzo phakathi kwabaninizabelo? Impendulo izoncika kuphrofayili yomtshali-zimali onaye. Akumangalisi-ke ukuthi, labo abadla ngoludala kakhulu kungenzeka kakhulu ukuthi basebenzise leli su ekutshalweni kwabo. Ngisho kungasiza ukukuvikela ekulahlekelweni okuzayo. Lokhu kunjalo, ngoba okwamanje uthola imbuyiselo kulondolozo lwakho lwe-5% njalo ngonyaka. Futhi noma ngabe ikuphi, ingasusa (noma inciphise) izinzuzo ezinkulu ezikhiqizwe kusukela ekwenzeni ngokusemthethweni ukusebenza.

Esinye isici esifanele okufanele usicabangele yilokho Inzuzo abakunikeza yona idonswa ngqo enanini lentengo. Akusona isipho nhlobo. Yize imvamisa uyithola kabusha ngemuva kwezikhathi ezimbalwa zokuhweba, noma ngabe le nqubo ayiqinisekisiwe ku- izimakethe zezezimali. Kunoma ikuphi, okuzokhiqiza ukuthi ube nemali ethe xaxa ku-akhawunti yakho yokuhlola, okuyilapho lezi zinkokhelo ezinikezwe yizinkampani ezibalwe kumasheya zizohamba khona. Futhi uphinde uyitshale, uma lokhu kuyisifiso sakho.

Izici zezinkampani ezisabalalisa izinzuzo

Akubona bonke abenza lokhu kusatshalaliswa kwenzuzo yabo, kodwa kuphela labo abangamabhizinisi bahlanganisiwe, futhi banendima ebaluleke kakhulu kunkomba kazwelonke yesitoko. Kuzoba lula ukuthi ubazi, uma kwenzeka isu lakho lokwenza imali elondoloziwe lidlule kule modeli. Futhi lokho akufani nezinye izinkampani, bacabanga ngochungechunge lwezimfanelo ezihlale zikhona, futhi lokho kuzenza zibonakale kakhulu kubathengi.

• Izinkampani ezinkulu, nokuthi banesisindo esithile esiphawuleka kakhulu emakethe yamasheya yaseSpain. Ukuphepha okuningi kushintshaniswa kuseshini efanayo yokuhweba, futhi kunoma ikuphi ukwedlula ezinye izibambiso.
• Zivela cishe kuyo yonke imikhakha yemakethe yamasheya, cishe ngaphandle kokukhishwa: amabhange, abomshwalense, izinkampani zokwakha, izingcingo, izinkampani zamandla, izimpahla zabathengi, njll.
• Banamamodeli webhizinisi azinzile kakhulu, athuthukiswe ngempumelelo ezimakethe iminyaka eminingi, ngakho-ke abe nawo bathenjwa yibo bonke abatshalizimali, kokubili izikhungo kanye nokuthengisa.
• Isikhathi sezabelo asifani, ngoba senziwa ngobuningi obukhulu: njalo ngonyaka, kabili ngonyaka noma ngekota, kuya ngenqubomgomo yabo yemiholo, futhi engakhethwa ngabasindisi ngokusekelwe kulo mnikelo.
• Onke ama-chips aluhlaza emakethe yaseSpain, okungukuthi, omele kakhulu, yenza lezi zinkokhelo zisebenze, ngaphandle kokukhishwa, ngomehluko kuphela wenani lalo.
• Izinkampani ezenza lezi zinkokhelo nge-akhawunti Imvamisa into enakwa ngabaphathi bezikhwama ezinkulu zokutshala imali, okuvame ukuwafaka kumaphothifoliyo wabo oyisibonelo.
• Ziyizindinganiso ezijwayele ukuheha imali kubatshalizimali abancane nabaphakathi. ngifuna umvuzo oqinisekisiwe wokonga kwabo, futhi imvamisa njalo.
• Izingcaphuno zakho zihamba ngaphansi kokuzinza okukhulu kumanani azo kunezinye izibambiso, futhi ngaphandle kokukhombisa ukungazethembi okuningi kuzo. Ayifanele kakhulu abaqageli.

Amasu Abatshalizimali Abancane

Ngalesi sigaba sezinkampani, abathengisi imvamisa banamasu amaningana wokuhambisa imbuyiselo kuzimpahla zabo. Awafani ngaso sonke isikhathi, futhi kuzoncika kakhulu ezimeni zakho njengomtshalizimali. Okunye okusabalele kakhulu kusekelwe ekuthatheni izikhundla (ukuthenga) kulezi zinkampani emasontweni angaphambi kokusatshalaliswa kwalo mholo.

Ngakolunye uhlangothi, bayakuqinisekisa ukuthi uzothola isabelo, ngakolunye, uzosebenzisa ukusimama okukhulu kwesilinganiso samanani abo. Lokhu kungenxa yokuthi ukuthenga kuvame ukufakwa ekuthengisweni emasontweni angaphambi kokuba anikezwe.

Elinye isu elisetshenziswa ngabasindisi liqukethe dala isikhwama sokonga seminyaka embalwa ezayo, noma ngabe iminikelo yabo ikhombisa ini. Ngale ndlela, bathola imali encane minyaka yonke. Futhi lokho kunikezwe imibandela yamanje yemikhiqizo emikhulu yasebhange (idiphozi, amanothi ezethembiso, amabhondi, njll.), Kungumthombo obaluleke kakhulu wenzuzo abanayo njengamanje.

Imikhiqizo engenayo engaguquki, futhi ngenxa yemali eshibhile eyenziwe yi-European Central Bank (ECB), ayisasebenzi kangako. Hhayi ngeze, ukusebenza kwayo kudlula kwesinye sezikhathi ezimbi kakhulu eminyakeni yamuva, ngaphansi kwesithiyo esingu-1%. Ngenkathi ngezabelo izinzuzo ezingama-5% zingatholakala kalula.

Njengoba sibhekene nalesi simo esivezwayo, baningi abatshali bezimali bendabuko abathi, betshaliwe kwimikhiqizo yasebhange eyenzelwe ukonga, baphendulele intshisekelo yabo ezinkampanini ezakha lezi zinkokhelo. Futhi nokuthi ungenza imisebenzi ibe nenzuzo ngokufakwa kuhlu kwayo ezimakethe zezezimali, inqobo nje uma ukuvela kwayo kukuwe.

Lezi zinkampani zisabalalisa malini?

Unyaka osanda kuqala uza nesinkwa ngaphansi kwesandla sabaninimasheya, njengoba izinkampani zikhuphule umholo wabaninimasheya cishe ngo-2%. Yini enye, Amalungu amaningana e-Ibex-35 azonikela ngesivuno sesabelo esingaphezulu kuka-5% ezinyangeni eziyishumi nambili ezizayo: Enagás, Telefónica, Iberdrola, Red Eléctrica, EBME neRepsol, phakathi kwezinto ezibaluleke kakhulu.

Umkhakha kagesi uzoqhubeka nokuba ngomunye wabaninimasheya abanomusa kakhulu ngonyaka wezi-2016. Ukulimaza umkhakha wamabhange, obone leholo lincipha eminyakeni edlule, ngenxa yezinguquko obekufanele bazenze ukuhlanza imisebenzi yabo isitatimende semali engenayo.

Uma inhloso yakho ukukhetha le modeli yokutshala imali, okunikezwayo ngeke kuswele ezinyangeni ezizayo, nakanjani. Ikhalenda layo ligcwele iziphakamiso ezinalezi zici, futhi lokho kuzohamba nembuyiselo encane kusuka ku-1%, futhi ngenhloso ephezulu efinyelela ku-8%. Ngisho Awudingi ukuzikhawulela ezinkampanini zikazwelonke, kepha ungaya ngaphandle kwemingcele yethu ukuthola amathuba kuleli qembu lamasheya, elinenzuzo evulekile ngokulinganayo, ikakhulukazi leyo evela emalini yezwekazi elidala.

Kodwa-ke, uma ufisa ukukhetha isu lokutshala imali lapho izinzuzo zikhona, kufanele uhlale ukhumbula intela entsha ebisetshenziswa eSpain kusukela ngonyaka ka-2015. Futhi okungekuhle neze ezithakazelweni zakho, njengoba ukukhishwa kwama-euro ayi-1.500 okuqoqwe kusabelo kususiwe.

Lokhu ngokwenza kuzosho ukuthi eSitatimendeni Senzuzo sakho esilandelayo kufanele ukhokhe kusuka ku-euro yokuqala oyifakela lo mqondo. Ngokwalo mbono, kufanele uhlole ukuthi unentshisekelo yokuwaqasha noma cha, nokuthi isinqumo sikabani sizoncika kokunye okuguqukayo okufaka kudokhumenti yentela: ukuncishiswa, imali engenayo, ukulingana, njll.

Amanye amathiphu wokuhlola ukuqashwa kwakho

Isinqumo sokugcina sokuthi ngabe kufanele ubhalise kuleli banga lezokuphepha sizokufanela wena kuphela, hhayi omunye umuntu. Okokuqala, kufanele uhlolisise iphrofayili yakho njengesilondolozi, ukubukeka ofuna ukukunika kutshalo-mali lwakho, futhi ikakhulukazi igama olikhombe: liphansi, liphakathi noma liphezulu. Futhi ngokuya ngalezi zinto eziguqukayo, nquma ngemodeli enhle kakhulu yokutshala imali. Futhi kungaba yilokhu. Yize uhlala ukhumbula lokhu okulandelayo

1. Uma ungumtshali-zimali onemigomo emifushane kakhulu yokuba unomphela, kuzoba ngcono ukuyeka le misebenzi, ngoba ukuze ube nenzuzo kuzodingeka ube nabo kuphothifoliyo yakho iminyaka eminingana.
2. Uma uqinisekisa, lapho isabelo sesisatshalalisiwe, ukuthi amasheya abuyela ezintweni zawo ezindala, kungaba yisikhathi sokuthi uvale izikhundla, ukuthatha izinzuzo ezihlukanisiwe ku-akhawunti yakho yokuhlola.
3. Ngaleli su elikhetheke kakhulu ungenza imali engaguquki minyaka yonke, ezigcwalisa lezo onazo njalo ngenyanga, futhi ezingakusiza nokuthi zikunikeze isifiso esincane.
4. Uma ukhetha izinzuzo eziguquguqukayo ezinye izinkampani ezinikela ngazo, uzoba nazo ithuba lokuphinda utshale le mali enkampanini, ngezenzo ezintsha. Ngalokho, imbuyiselo oyitshalile izobe iphezulu.
5. Abatshalizimali abaqagela kakhulu, ngisho Bangasebenzisa ngokunenzuzo ukunyuka kwentengo yabo emasontweni angaphambi kokusatshalaliswa kwesahlukaniso, bevala izikhundla zabo ngenzuzo yemali, yize kunengqondo ngaphandle kokuthola lo mholo.
6. Ukulindela ukukhula kuzohamba ngaphandle kokunikezwa loholo, futhi mhlawumbe inkampani engayisebenzisi le nqubomgomo yokukhokha, isesimweni esingcono sokuya kwizilinganiso eziphakeme kwikhotheshini, ngakho-ke, izuzisa kakhulu izintshisekelo zakho.
7. Futhi manje udinga kuphela ukukhetha kokunikezwayo okubanzi nokuhlukahlukene okuhlinzekwa yizinkampani ezisohlwini lwezimakethe zokulingana, kuzwelonke nakwamanye amazwe. Ngeziphakamiso zazo zonke izinhlobo, maqondana nokusebenza kwazo kanye nesikhathi sokukhokha kwazo.