Muva nje, bobabili i-European Commission kanye ne-European Central Bank kanye neBhange laseSpain bebelokhu bexwayisa ngobungozi bokuthola umugqa wesikweletu ngabantu. Ngokwezinga lawo womabili la ma-ejensi, izikhungo zezezimali kufanele ziqaphe ngokucophelela ukufunwa kwale mikhiqizo ngabasebenzisi. Ngoba kungaholela kufayela le- Izinga lesikweletu semindeni yaseSpain angavuka kulezi zikhathi.
Ngaphakathi kokunikezwa kwamanje kwizimalimboleko zomuntu siqu, kukhona eyodwa yazo efuna izici zayo ezikhethekile. Zibizwa ngokuthi izikweletu zokutshala imali futhi yize zingamakethwa ngamabhange, zisetshenziselwa ukwenza utshalomali lapho kungekho mali ku-akhawunti yokonga wabafakizicelo. Zidala ubungozi obukhulu njengoba zijoyina isikweletu okucatshangwa ukuthi iqiniso lotshalo-mali aluthuthuki njengoba besicabanga ekuqaleni. Ukudala inkinga ephindwe kabili kubantu abacela umugqa wesikweletu walezi zici.
Ukukucela, ngeke kube khona okunye esingakwenza ngaphandle kokuhlaziya inani lenzalo esizolikhokha ekwenzeni lo mkhiqizo wasebhange ngokusemthethweni. Yize okwamanje inani lenzalo endaweni ye-euro lishibhile, akuyona into engenangozi. Uma kungenjalo, kunalokho, kufanele sibe nezinto ezicace kakhulu kusukela ngesikhathi sokubhalisa. Hhayi ngeze, kuzodingeka ukubuyisa inani elifanayo kanye nezintshisekelo zabo ezihambisanayo futhi mhlawumbe enye ikhomishini. Phakathi kwalokhu, lezo zokutadisha, ukuvulwa kanye nokukhanselwa ngaphambi kwesikhathi kuyabonakala futhi lokho kungakhuphula izindleko zabo kuze kufike ku-2% wenani eliphelele lesimangalo.
Isikweletu sotshalomali: banjani?
Lesi sigaba semikhiqizo yasebhange sibonakala ngoba sinenhloso echazwe kahle kakhulu futhi lokho akuyona enye ngaphandle kokukhokhela umsebenzi wokutshala imali. Ngokuthengwa nokuthengiswa kwamasheya emakethe yamasheya, izimali zokutshalwa kwemali, okuphuma kwezezimali noma eminye imikhiqizo etholakala ezimakethe zezimali. Ngaphakathi kwalesi simo jikelele, akufanele sikhohlwe ukuthi amakhredithi okutshalwa kwezimali azomela a isikweletu esingene ngokungadingekile ngoba kungenzeka ukuthi izintshisekelo ezikhiqizwe yileli banga lamakhredithi ziphakeme kunezintshisekelo ezinganikezwa ngutshalomali.
Lawa makhredithi enzelwe ukutshalwa kwezimali zinikezwa umuntu ngamunye ngoba zisekelwe kwisibonelelo esigunyazwe kusengaphambili kubantu abangaphendula kulezi ziteshi zezimali. Ngalesi sici, ngeke kube khona okunye ongakwenza ngaphandle kokuxhaswa yizinga eliqinile lokuthengwa kwemali kwi-akhawunti yokulondoloza noma ukuxhaswa yiholo noma imali engenayo esimweni sabasebenzi abaziqashile. Ngisho kwezinye izimo ngesibalo sesiqinisekiso esingasetshenziswa yilungu lomndeni noma umngane osondele kakhulu. Ngokulandelwa okuphelele kokuvela kwalezi zimbuyiselo emsebenzini.
Inzalo ezungeze u-7%
Amakhredithi amiselwe ukutshalwa kwezimali athengiswa ngamabhizinisi asebhange ngenzalo leyo ihamba ebangeni eliphakathi kuka-6% no-8%. Ngaphandle kokungabaza, kungangezwa izindleko zamakhomishini akhona angenziwa yile mikhiqizo yezezimali. Phakathi kwalabo abavelele ekuphathweni kwabo futhi abangakhuphuka bafike ku-2% kunani elifunwa abasebenzisi bebhange. Ngenkathi ngakolunye uhlangothi, kungangabazeki ukuthi ezinye izinkokhelo ezengeziwe kufanele zibhekwe nazo ezingakhuphula izindleko zokufunwa kwalesi sikweletu esikhetheke kakhulu.
Ngakolunye uhlangothi, bayabala nesikhathi sokukhokha esiphakathi kweminyaka engu-2 nengu-10 nokuthi noma kunjalo abanasikhathi somusa. Mayelana namanani anikezwe ngamabhange ngokusebenzisa imali ebolekiwe yotshalo-mali, kufanele kuqashelwe ukuthi aguquguquka kalula kunamanye. Ayikho inani elinqunyiwe futhi imvamisa kuya ngezimo zabafaka izicelo. Kepha ngetimu ephezulu esondele emazingeni asondele kakhulu kuma-euro ayi-100.000. Ukuthi kuzo zonke izimo kuzofanele babuyiswe ngohlelo lwezitolimende eziqhubekayo zanyanga zonke kuze kufike usuku lokuphelelwa yisikhathi.
Ingabe ukuqasha kwakho kunenzuzo?
Esinye isici esingavezwa kuleli banga lamakhredithi yileso esihlobene nenzuzo yabo yangempela. Okusho ukuthi, uma sizothandwa ngezinga lenzalo esizoyithola ngokutshalwa kwemali kwethu. Lapho izindleko sezincishisiwe okuzosho ukuqasha imalimboleko enalezi zici ezikhethekile njengalena ikakhulukazi. Ngoba kungenzeka ngokuphelele ukuthi ukulahlekelwa kuphindwe kabili, kokubili kutshalo-mali olwenziwe nangesiteshi esikhokhelwa sezimali. Ngemiphumela emibi kakhulu kuma-akhawunti wethu.
Iphrofayili lapho iqondiswe khona
Ngenkathi ngakolunye uhlangothi, kungafanele ukukhohlwa ukuthi lawa makhredithi awathandeki kakhulu ezithakazelweni zabasebenzisi. Ngoba akuvamile ukuthi banikezwe ngenzalo ethile. Azikwazi ukuxhunyaniswa nenkontileka yeminye imikhiqizo yasebhange (umshwalense, izimali zokutshala imali, izinhlelo zokonga noma zempesheni). Ziyimikhiqizo engashintsheki kalula kunezinye ezihloselwe ezinye izinhloso ezingahlobene nokutshalwa kwezimali ukwenza imali etholakalayo kubasebenzisi bamabhange ibe nenzuzo.
Lapho, amaphrofayili wabantu le mikhiqizo ebhekiswe kubo imvamisa amaklayenti amahle, angenazo izikweletu namabhange noma amabhange okonga, anamaholo akhokhelwayo futhi amabhalansi ama-akhawunti amanje adlula cishe ama-euro angama-50.000 XNUMX. Ukunikezwa ngemuva kokuthi isikhungo sezezimali sesihlaziye amandla esikweletu ekhasimende laso. Okuthile okungenzeki njalo ngezimfuno ezihamba nalezi zici ezikhethekile. Kuze kube seqophelweni lokuthi uzozibuza ukuthi kufanele yini ukubaqasha noma uma kunalokho kunqabe lo msebenzi.