Imakethe yamasheya yaseSpain ithengise isamba sama-euro ayizigidi ezingama-42.011 ezimakethe zezimali ngoSepthemba, ezimele u-4,6% ngaphezulu kunangesikhathi esedlule. Esiwombeni sokuqala, inani lezinkontileka lehle ngama-26,1%. Lapho inani lezingxoxo libe yizigidi ezingama-2,8, u-6,8% ungaphansi kwenyanga edlule no-27,9% ngaphansi kukaJuni 2018. Kepha okumele abatshalizimali abancane nabaphakathi bacacise ngakho ukuthi akudingeki ukuthi batshalwe imali emakethe yamasheya ngaso sonke isikhathi sonyaka. Uma kungenjalo, ngokuphambene nalokho, bangakhetha ukukhishwa kwemali ezikhundleni zabo.
Ukwehlukaniswa kwempahla emakethe yamasheya kufaka phakathi uchungechunge lwezinzuzo nobubi okufanele buhlaziywe ukwazi ukuthi lokhu kungasibikela ini. okunye emkhakheni wokutshala imali. Ngoba empeleni, asikho isibopho ngasohlangothini lwabatshalizimali abancane nabaphakathi ukuba khona ekusebenzeni kwabo emakethe yamasheya. Ngaphezu kwalokho, kunezinye izinketho ezinganikeza ukubuya ngezikhathi ezithile ngezikhathi zokungazinzi okukhulu ezimakethe zezimali. Isibonelo, ngemikhiqizo yezimali ekhishwe ngamabhange. Phakathi kwabo, imali yesikhathi esimisiwe, amanothi ezethembiso noma ama-akhawunti akhokha kakhulu. Ngezinga lenzalo, ezimweni ezinhle kakhulu elingafinyelela ku-2%.
Ngakolunye uhlangothi, iqiniso lokuthi ungazibeki ezimakethe zamasheya lingakusiza ukuze ungatholi ukwethuka okuyinqaba kusukela manje kuqhubeke. Ikakhulukazi, uma ukuziphatha kwezimakethe zezimali kungesikho obekulindelekile ngabatshalizimali. Kwesinye isikhathi ukuhoxa okufika ngesikhathi kungukunqoba okungadunyiswa njengokunqoba okukhulu ekwakhiweni kwamasu okutshala imali. Ngisho nokukhetha imikhiqizo eguqukayo ekuvumela ukuthi ukhiqize izinzuzo zemali ngezimakethe zokulingana eziwayo. Lapho injongo ephambili ukubeka ukonga. Ngaphezu kwamanye amakilasi amasu anolaka kakhulu kuwo wonke amaphuzu wokubuka.
Ukulethwa kwemali kuletha ini?
Ukushiswa kwemali kusho ukuthi awukho kunoma yiluphi uhlobo lotshalo-mali, ezimakethe zombili zemali engenayo engaguquguquki kanye nokulingana. Yize yebo kwimikhiqizo yasebhange enganciki ekushintsheni kwezimakethe zezimali. Lolu uhlelo lokwenza inzuzo ngokulondolozwa ongakusebenzisa ngezikhathi zonyaka. Kuhle isikhathi eside saphakade kanye nesikhathi kuyo yonke imisebenzi yakho. Ukufika ezingeni lokuthi kungaba yindlela enenzuzo enkulu yokuvikela izintshisekelo zakho, njengoba uzokwazi ukubona kamuva. Lapho ukuphela kosuku kumayelana nokungalahlekelwa yimali kubhalansi ye-akhawunti yakho yokuhlola.
Ngenkathi kwenzeka okuphambene nalokho, ukuba semalini kukhombisa ukwesaba okuthile ongase ulahlekelwe yimisebenzi eyenziwe kusukela manje kuqhubeke. Okuthile okukhona ezenzweni zabo bonke abatshalizimali abancane nabaphakathi. Ngoba, eqinisweni, awukwazi ukukhohlwa nganoma iyiphi indlela ukuthi isikhwama kungadala ukuthi ulahlekelwe yimali eningi kusuka manje. Impela ngaphezu kwanoma yiluphi uhlobo lwemodeli noma uhlelo lokonga olwenzelwe ukudala ukushintshaniswa kokulondolozwa okungathathi cala esikhathini esimaphakathi noma eside. Ungakhohlwa mayelana nalesi sici ukwazi ukuthi kukufanele yini noma cha ukuba sezimalini ngezikhathi ezithile empilweni yakho.
Izinzuzo zalezi zikhundla
I-Liquidity yisimo esingakhiqizela izinzuzo ezinkulu futhi ezahlukahlukene kuwe, njengoba kuzocaca kusuka manje. Enye yezimpawu zayo ezifanele kakhulu itholakala eqinisweni lokuthi imali yakho izophepha kakhulu, yize bekwazi ukukwenza kube nenzuzo ngendlela ongathanda ngayo kusukela ekuqaleni. Ngenkathi ngakolunye uhlangothi, kufanele futhi uhlolisise kusukela manje kuqhubeke ukuthi isimo sesikweletu sichaza isikhundla sokulondoloza lapho umqondo wokuphepha ubusa ngaphezu kolunye uchungechunge lwezinto ezibhekwayo. Lapho okubaluleke kakhulu ukuphuma ezimeni zezimakethe zezimali ziphila.
Esinye isici okufanele usicabangele kusuka kulezi zikhathi eziqondile iqiniso lokuthi ukwenziwa kwemali emisebenzini etholakala ezimakethe zezimali akunikeli ukuzinza kubhalansi ye-akhawunti yakho yokonga. Uma kungenjalo, kunalokho, ziyindlela ethembeke kakhulu yokugwema ukubeka engcupheni isimo sakho sezomnotho lapho ubhekene nobunzima ezweni elinzima lemali. Ngenxa yezizathu wena ozibona zidingekile nokuthi esimweni ngasinye zizohluka ngokuphelele. Njengoba yingxenye ebaluleke kakhulu yomphakathi waseSpain, futhi kungani ungakusho, emhlabeni wonke.
Ukufuna ukonga ngaphezu kwakho konke
Omunye wemiphumela yokukhetha ukwenziwa kwemali ezimakethe zezimali ususelwa eqinisweni lokuthi ungakhetha amamodeli noma amafomethi ahlukile khuthaza ukulondolozwa komuntu siqu. Ngempela, uma lokhu kuyisifiso sakho esiseduze kakhulu, akukho kungabaza ngokuthi uzoba nezinketho ezahlukahlukene zokuzifeza. Isibonelo, ukunikezwa kwenkontileka yediphozi yesikhathi esinqunyiwe eqinisekisiwe enikeza imbuyiselo cishe ye-1%. Kuyisu elilondoloze ngokwengeziwe ukudala ukushintshaniswa kokonga esikhathini esimaphakathi nesikhathi eside
Enye inketho eyethulwa kwabasindisa izintela ezixhunywe kwizimali. Inzalo encane futhi eqinisekisiwe iqinisekisiwe. Ngethuba lokuyithuthukisa uma inhloso yokutshala imali ihlangatshezwe ekugcineni futhi lapho kungenziwa khona inzuzo esondele ku-5%. Yize ngomthwalo wokuthi isikhathi sokuhlala unomphela kwale mikhiqizo yezezimali sihlala isikhathi eside. Phakathi kwezinyanga ezingama-24 nezingama-36 cishe futhi ngaphandle kokukhansela kusengaphambili. Njengefomula yokonga imali ngezikhathi zokungazinzi okukhulu ezimakethe zezezimali.
Okubi kokukhokhelwa
Ukuba semalini, kunalokho, kudala uchungechunge lweziphazamiso ezinkulu kumtshali-zimali. Futhi okunye okusemqoka ukuthi akuvumeli ukuthi usebenzise amathuba webhizinisi ahlinzekwa izimakethe zezezimali. Ngenkathi ngakolunye uhlangothi, kubavimba ekutholeni ukuzuza kwemali enkulu ngesikhathi esifushane. Ngoba ukuthenga nokuthengisa amasheya emakethe yamasheya ayinaso isikhathi sokuhlala unomphela. Kepha ngokuphambene nalokho, ngumtshali-zimali uqobo ovumelana nalokho ngokuya ngezintshisekelo zakhe. Futhi-ke lokho kokuvela kwezimakethe zezimali ngokwazo.
Ukungatshalwa kwemali emakethe yamasheya kusho nokuthi ungashintsha iphothifoliyo yakho ngezikhathi ezithile ukuzivumelanisa nezimo zemakethe yezimali. Ngenketho yokukhetha ukukhokhelwa kwezabelo okungumholo kumnikazi wamasheya ngenzuzo ephakathi kuka-3% no-8% cishe. Noma yini eyenzekayo ezimakethe zezimali nokuthi kuzo zonke izimo uzothola minyaka yonke nge-akhawunti. Lapho ukuphepha okuningi okukuhlu enkombeni ekhethiwe yamasheya aseSpain kunale nkokhelo engaguquki neqinisekisiwe.
Inketho yenzuzo ehlukile
Ngalesi sikhathi, izimali zingukutshalwa kwemali lapho ungathola khona inzuzo ephezulu kakhulu emalini. Ngaphandle kokuthi konke kukhombisa ukuthi kungahle kube nokuma emiphumeleni. Ngemuva kokukhula okuqhubekayo okwenzekile kusukela ngo-2013 futhi okungavela kokunye ukulungiswa kwebhizinisi elithile. Ngokwalokhu kubuka, ukuba nemali ezimakethe zamasheya njengamanje kungaba yinzuzo ekuvikeleni kulesi simo esingalindelekile eminyakeni embalwa ezayo. Lapho kungangabazeki ukuthi singalahlekelwa yimali eningi ekusebenzeni okuvulekile.
Ngakolunye uhlangothi, ukukhokhelwa kwemali nakho kusizuzisa ngomqondo wokuthi singahlala siphapheme futhi singene ezimakethe noma nini lapho sifuna khona. Ikakhulukazi uma kunezimpawu ezithile zokuthenga kwezokuphepha. Ngoba ngale ndlela, sizoba ne- isikweletu sidingeka ukufaka izimakethe zezimali. Okuthile okungeke kwenzeke uma sitshale imali ngoba ikhambi kuphela ukuqeda izikhundla ezivulekile. Futhi le nhlangano kungenzeka ingenziwa ibe semthethweni ezimweni ezihamba phambili, futhi kusukela ekulahlekelweni kotshalo-mali.
NgokweSchroders Global Investment Study, kusobala ukuthi abatshalizimali baseSpain, bebonke, banesifiso esikhulu kunezakwabo baseYurophu. EYurophu, i-APR elindelekile yeminyaka emihlanu ezayo ingu-9%, yize isilinganiso somhlaba sikhuphukele ku-10,7%. Lapho, izilinganiso, ezizoqhubeka nokuba ku-0% noma zibe zimbi, okungenani kuze kufike engxenyeni yokuqala yonyaka we-2020, azimele ukubhuqa kulokho okulindelwe ngabatshalizimali eSpain, okuqhubeka nokukhula. Ngo-2018, izibikezelo zikhomba i-APR elindelekile ngo-9,1%. Lapho kungangabazeki khona ukuthi singalahlekelwa yimali eningi ekusebenzeni okuvulekile futhi lokhu kuyisici okufanele usihlaziye.