Amasheya eBanco Popular anciphile ezimakethe zezimali ngaphambi kokumenyezelwa kokukhuphuka kwemali, nokwethuka - kungaba kanjani okuncane - kubambe abatshalizimali abaningi ababona ukuthi sebelahlekelwa yimali eningi izikhundla ezivulekile kulesi sikhungo sezezimali. Umbuzo abanye babo abasuke bewubuza ngothi kufanele benzeni ngamasheya abo, bawagcine, noma uma kunjalo bawathengise emakethe noma ngabe kubiza izindleko zokulahlekelwa yingxenye enhle yempahla yabo etshaliwe.
Kulesi simo, akukho nokushoda kwabatshalizimali abanephrofayli eqagelayo ebuka ukuvela kwayo uma kwenzeka becabanga ukuthatha izikhundla ebusweni bezintengo eziphansi eyethulwe yisikhungo sezimali esiholwa ngu-Ángel Ron. Inkinga enzima, noma ngabe ikuphi, kulaba batshalizimali abazi kahle konke okwenzekayo kuleli nani lamanani. Futhi noma kungaholela ekunyakazeni okukhulu okungazelelwe, ngenye indlela noma enye.
Okokuqala, akukho okunye ngaphandle kokukhombisa ukuthi izenzo zakho kwehle ngamanani angaphansi kancane kuka-30% ngezikhathi ezimbalwa zokuhweba. Akuvamile ukuthi ukunyakaza kwamandla anjalo kubonakale kubheke phansi, ikakhulukazi ngesinye sezisindo ezinkulu ezithile zemakethe yamasheya aseSpain. Senziwe ngobudlova obukhulu, futhi kwezinye izimo sithathwa njengesingenakulinganiswa ngochwepheshe abathile ezimakethe zezezimali.
Athengiswa kanjani amanani amasheya eBanco Popular?
Ngemuva kokuwa kwayo kumasheya kazwelonke, intengo yamasheya ayo izungeze ama-euro angu-1,60. Ngokusebenza okungekuhle kuze kube manje kulo nyaka ka-48%. Lokhu kusho ukuthi abatshalizimali abancane ababethathe izikhundla ngaphambi kokuqala kwalo nyaka balahlekelwe cishe uhhafu wemali abayilondolozile. Akusekho okungaphansi. Ngakho-ke ukukhathazeka abanakho ngalesi sikhathi maqondana nekusasa lenkampani esohlwini.
Naphezu kwakho konke, amasheya ayo ahamba isikhathi eside ngaphansi kwe-downtrend ecacile, okwakungathandeki kakhulu ukuthatha izikhundla kunani. Futhi lokho ngemuva kokuwa okungathi sína kwamasonto edlule kukuqinise kakhulu. Hhayi ngeze, wephule izisekelo eziningi ezibaluleke ngokukhethekile. Ukuthi kube nzima kakhulu ukuthola indawo yokungena, njengoba kuphawuliwe ngabahlaziyi bezimakethe zezimali abadumile phakathi nezinsuku zokugcina zokuhweba.
Kunoma ikuphi, amasheya eBanco Popular aphakathi kokunconywe okungenani ukuthenga manje emkhakheni wamabhange. Lapho kukhona ezinye izinketho ezinomvuzo, lapho kunamathuba amakhulu okwenza ukonga okuphumelelayo kube nenzuzo. Ngisho nangezabelo, ngokwabiwa kwekota kwale nkokhelo kumnikazi wamasheya.
Kwenzekani ngomkhakha wamabhange?
Izinkinga zeBanco Popular zingadluliselwa kwamanye amaqembu ezezimali ahweba ngamasheya. Kususelwa ezinzuzweni eziphansi kuma-akhawunti abo ebhizinisi okuthinta wonke umkhakha uwonke. Izinzuzo zayo ziphansi kunezinye izivivinyo, futhi kubonakala enanini lamasheya alo. Kuze kube seqophelweni lokuthi inkomba yezezimali eSpain igcina ukuvela okubi kakhulu emakethe yamasheya kunalokho okunikezwa yiminikelo yesitoko esisele. Ukungaqiniseki ngezinhlobo zayo zebhizinisi ngesinye sezizathu esenza abatshalizimali, abathengisi kanye nezimali ezinkulu, bangazethembi iziphakamiso zayo.
Intengo eshibhile yemali yi-European Central Bank (ECB), futhi lokho sekuholele ekutheni amanani entengo aphansi abe ngumlando ongu-0%, isenkabeni yalokhu kulahlekelwa eziseceleni kwezentengiselwano zamabhange aseSpain. Bacabanga ngisho nokukhokhisa amakhasimende ngemisebenzi emikhulu yamabhange, njengoba iziphathimandla eziphakeme kakhulu zamabhange amabili amakhulu aseSpain zixwayisile: i-BBVA neSantander.
Kunoma ikuphi, kungenye yemikhakha enamathemba okukhula okuphansi kakhulu, okungenani kumasheya. Futhi lokho kuvezwe kakhulu kumphumela wokulandelayo inhlolovo mayelana nokuphuma kweBrithani kwi-European Union ozoba ngoJuni 26. Uma uBrexit eba ngumnqobi, akungabazeki ngokuwa okukhulu umkhakha webhange wonke ongaba nawo uwonke. Futhi uma, ngokuphambene nalokho, bekungekho, kungaqala ukuvuselelwa okuthile ezimakethe zezezimali. Noma okungenani i-bounce engazuza abatshalizimali abancane 'ezikhundleni ezide.
Kusukela kulesi sigaba, bambalwa abahlaziyi abancoma ukuvula izikhundla, futhi yebo okungenani linda kuze kuxazululwe le nkinga izakhamizi ezingamaNgisi ngobulungu bazo noma cha ezikhungweni zomphakathi. Kuze kuphele le nyanga, kuzoba ngcono ukukhohlwa okuncane ngamanani abo, bese ugxila kulabo abanokuziphendukela kwemvelo okuhle kakhulu emakethe yamasheya. Abanye babo, abanomkhuba othembisa kakhulu, bathanda ukuthola ama-euro ambalwa ekusebenzeni kwabo.
Ukuqala kokukhuphuka kwemali
Esinye sezizathu ezinkulu salokhu kudicilelwa phansi kweBanco Popular emakethe yamasheya kungenxa yokuthi ibhange limemezele ukwanda kwemali, okukhiphe ingxenye enkulu yabatshali zimali kulo mdlalo. Lo msebenzi uzokwenziwa ingqikithi yama-euro ayizigidi ezingama-2.500, futhi sizosebenzela ukuhlanza inkampani. Kodwa-ke, umqondo wokuthi kungumbutho wokuzivikela ekusebenzeni kwezinkampani zamanye amabhange uya ngokuqina ezinsukwini zamuva.
Ingozi ye ahlupheke nge-OPA ohlangothini lomncintiswano nakho kungumsuka walesi sinqumo esikhulu semali. Abantu abazama ukuvula izikhundla ngamalungelo bangavuna izinzuzo ezinkulu, kepha izingozi zingaphezu kokucashile. Ngalo mqondo, umbono wabalamuli abakhulu bezezimali uhlukene phakathi, phakathi kwalabo abathola lokhu kungena ebhange kukhanga, nalabo abakhetha ukungalingwa yileli qhinga lokutshala imali.
Abaninimasheya beBanco Popular basazoba nezinsuku ezimbalwa zokubhalisela amasheya amasha ebhange, kusukela Kuze kube nguJuni 11, bazokwazi ukusebenzisa ilungelo labo lokubhaliselwa langaphambi kokukhipha imali ukuhambela ukwanda kwemali eyizigidi ezingama-2.505 zama-euro eziphakanyiswe yibhizinisi noma, uma bethanda, bathengise amalungelo abo. Umuntu ngamunye uzoba nenani eliphansi lama-euro angama-0,50. Kunoma ikuphi, amasheya amasha ngamunye uzoba ne-premium yokukhishwa kweyunithi engu-0,75 euros, okusho ukuthi isilinganiso sokukhishwa kwesabelo ngasinye esisha kuzoba yi-1,25 euros.
Akukho ukwehliswa kwesilinganiso sakho
Lezi zindaba, ezigcwalise abatshalizimali abancane nabaphakathi ngokukhathazeka, azibanga nomthelela ofanayo phakathi kwama-ejensi amakhulu wokulinganisa, anqume ukugcina inothi lawo ngemuva kokumenyezelwa kokunyuka kwemali. Empeleni, alukho ushintsho kuyo, yize bexwayisa ngokuthi bazoyiveza uma kwenzeka kunezindaba ezithuthukisa umugqa webhizinisi labo ezinyangeni ezizayo, bezimisele ukwehlisa isilinganiso sabo sezikweletu.
Uma kwenzeka lokhu kwehla kwenothi leBanco Popular kuqinisekiswa, imiphumela entengo yayo ingaba yimbi nakakhulu, ngaphandle kokunquma ukuthi kungaphula umkhawulo we-euro ngesabelo ngasinye. Into abatshali zimali abathathe izikhundla eminyakeni eminingi edlule bayayesaba. Futhi babonile ukuthi ingxenye yemali abayilondolozile inyamalale kancane kancane kanjani, baze bafika ezingeni lamanje lomnikelo.
Amathiphu ayi-7 wokungena noma ukuphuma kwenani
Umbuzo omkhulu onabatshalizimali abaningi njengamanje ukuthi ngabe kufanele bangene noma bashiye iBanco Popular. Akusona isinqumo esilula, esizoncika ngaphezu kwakho konke kuphrofayili yesilondolozi, futhi ikakhulukazi entengo lapho amasheya athengwe khona. Ukuqonda izinzwa ezibangelwa ukwehla okukhulu entengweni yamasheya abo. Kunoma ikuphi, futhi njengolayini wosizo, bazokwazi ukungenisa uchungechunge lwezincomo ezingasiza kakhulu kusuka manje.
- Uma ukwimali ebolekiwe kungakuhle ukuthi hlala usesimweni esifanayo okungenani amasonto ambalwa, kuze kube kuqinisekiswa ukuthi imakethe igaya kanjani ukwanda kwemali okwenziwe yiBanco Popular.
- Uma ngabe ubungumninimasheya webhange iminyaka eminingi, ngeke ube nokhetho ngaphandle kokulinda. Akuwona umbuzo wokuthengisa amasheya kula mazinga aphansi. Sebenzisa ama-rebound ukunciphisa kancane izikhundla.
- Ungazami ukuthenga amasheya ukwenza ukuhamba okumangazayo ngoba izingozi zikhulu kakhulu. Kungcono ukuthi ukhethe ezinye izinketho ezikhona kumasheya aseSpain.
- Uma ufuna ukuthatha izikhundla esitokweni kungenzeka kuzuzisa ngokwengeziwe ngamalungelo kunokuthengwa okuqondile kwamasheya. Ungagcina ngisho nama-euro ambalwa ngenkathi kwenziwa lo msebenzi.
- Khumbula ukuthi ukhona ngaphambi kwenani elilodwa eliyinkinga kakhulu emakethe yamasheya yaseSpain, futhi kungenzeka ungadingi ukubeka engcupheni imali oyongile. Ungalahlekelwa yingxenye ebaluleke kakhulu yazo.
- Amasheya aleli bhange abedonsa izinyanga ezimbalwa a mkhuba ngokucacile we-bearish, nokuthi akufanelekile ukuvula izikhundla kwezokuphepha ngaphansi kwanoma iziphi izimo.
- Iqiniso lokuthi intengo yalo isondele kweyunithi eyodwa ye-euro, akusho ukuthi ishibhile, kude nayo. Akumangalisi ukuthi intengo ehlosiwe yabathengisi abaningi bamazwe omhlaba ibekiwe eduze kwamazinga ama-2 euros.