Izinyanga ezimbalwa, amazwi amaningi agunyaziwe abelokhu exwayisa ngokuqhuma kwebhola lezezimali. Lesi yisimo esingafuneki ngasohlangothini lwabenzeli abahlukahlukene bezezimali, yize kuliqiniso ukuthi yigama elingaziwa yingxenye enkulu yomphakathi. Ngobukhulu bemiphumela engalethwa yilesi simo esesabekayo besatshwa kakhulu yibo bonke. Akumangalisi ukuthi kuyinto engathinta izici ezifanele kakhulu zomnotho. Ukusuka ekudalweni kwamathuba emisebenzi kuye ekukhuleni komnotho wezwe.
Ngaphambi kokuqala ukuhlola imiphumela yebhamuza lezezimali, akukho okungcono ukuqinisekisa incazelo yalo yangempela. Yebo, lesi simo sezomnotho ngokuyisisekelo siqukethe ukusebenza kunesimo esishiwo esenziwa ezimakethe zezezimali, ikakhulu ngenxa ye- inqubo exhunywe ekuqageleni. Ingasuselwa kuzimbangela ezahlukahlukene nangokwemvelo ehlukahlukene, njenge-real estate, imakethe yamasheya noma olunye uhlobo. Ayikho imikhawulo maqondana nemvelaphi yalezi zinqubo zezomnotho noma zezezimali zokubaluleka okukhethekile.
Esinye isici okumele sibhekwane naso ukuze sikuqonde ngokuphelele futhi yilokho okubhekisa emiphumeleni yaso emphakathini oyisisulu sale nhlangano eyinkimbinkimbi. Yebo, akunakukhohlakala ukuthi enye yezindlela ezivame kakhulu ukwenzeka kwayo kungenxa yokwenyuka okungajwayelekile nokwedlulele kwentengo yamasheya athile noma i-real estate. Ngokwezinga lapho umphumela wayo osheshayo ukuvela kokubalulekile ukuvunguza kwalokho okuthiwa ukuqagela. Futhi iyini imiphumela yayo esheshayo? Hhayi-ke, ngeshwa yini elimaza umnotho jikelele.
Bubble: kuziphi izimpahla zezimali?
Ibhamuza lezezimali lingavela kunoma iyiphi impahla yezezimali, noma ngabe ingajwayelekile kangakanani. Ngalo mqondo, asikho isigaba sokukhishwa njengoba kuqinisekiswe ngokwenzeka eminyakeni yamuva. Noma yikuphi kubo kungaletha imiphumela ethile okufanele ibhekwe njengengaphansi kokubi. Kungahle kube nokuthiwa okwenziwe njengebhamu ezimakethe zezimali ezitholakala esikweletini. Akumangalisi ukuthi bahambe ngenqubo efanayo kuzo zonke izimo. Kuze kube sezingeni lokuthi kungacaci ngengxenye enhle yababukeli bezomnotho. Njengokweqiniso ukukuchaza kahle nokwenza ukuthi kuqondakale kubo bonke abasebenzisi.
Kulesi simo esivamile, akungabazeki ukuthi kuqala ngendlela ecace bha. Ngamanye amagama, kunokushisa okungajwayelekile emananini abo okuholela ekutheni bafinyelele emazingeni athile angahambelani. Noma ngabe iyiphi impahla yezezimali ethintekile, impahla, isikweletu somphakathi noma enye insimbi eyigugu. Njengomphumela walesi senzo, abatshalizimali bangathola imali eningi emisebenzini ethuthukile. Kepha kuzofanele bavale izikhundla zabo ngokushesha okukhulu ngoba bangalahlekelwa yingxenye enkulu yenhlokodolobha yabo esikhathini esifushane kakhulu.
Inani eleqile liza phezulu
Inqubo okwakhiwa ngayo ibhamuza lezezimali ibonakala kakhulu ngokwenyuka kwentengo yempahla yezezimali. Ngoba uma le nqubo eyingqayizivele ibonakala ngokuthize, kungenxa yokuthi izimpahla okukhulunywa ngazo zikhula ngokungajwayelekile nangokungajwayelekile ngesikhathi esithile ngenxa yokwanda kokuthengisa lokho likhuphule inani lalo. Kuze kube kufinyelelwa emazingeni mhlawumbe abangakaze bafinyelele kuwo futhi ahehe ukunaka kwabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi sikhuluma ngokunyakaza ezimakethe zezimali ezingajwayelekile neze. Uma kungenjalo, ngokuphambene nalokho, ahlukile ngokusobala njengoba ubona encazelweni yale ndatshana.
Ngakolunye uhlangothi, lesi simo singakusiza ukuthi uthengise ngokuhamba kwesikhathi futhi ngale ndlela uzuze izinzuzo zemali ezinhle kakhulu ekusebenzeni okwenziwe kwimpahla yezezimali edlula kulesi simo. Ngenkathi ngakolunye uhlangothi, umphumela olandelayo uphikisana ngokuphelele. Lokho wukuthi, lapho intengo yemikhiqizo noma izimpahla bekulokhu into yokuqagela zikude nenani langempela okufanele libe nazo ngaleso sikhathi. Umphumela osheshayo ukuthi intengo yeqa emoyeni njengoba besho ngokungafanele. Ngokuwa okungabeka engozini ukutshalwa kwezimali kwabasebenzisi.
Ukuphahlazeka kwamanani
Amanani angakwazi yehlela ku-50% noma ngisho nangamandla amakhulu noma okufanayo kufana nokuwa ngamandla amakhulu. Ezinyakazweni ezingajwayelekile ngokuphelele ekukhuleni kwazo futhi ezingafinyelela nakuziro, njengoba kwenzekile muva nje ngenye impahla yezezimali. Lesi ngesinye sezingozi zokubekwa kulesi sigaba sezokuphepha noma izimpahla zezezimali. Ngoba awukwazi ukukhohlwa ukuthi ungalahlekelwa cishe lonke utshalomali olwenziwe kuze kube manje.
Yingakho kungamangazi ukuthi le mibuthano engajwayelekile ibizwa ukuqhuma futhi lokho kungakhiqizwa ngisho nasezimakethe zezimali futhi ikakhulukazi ezimakethe zamasheya. Kuze kube seqophelweni lokuthi bangabhubhisa umnotho wezwe njengoba kuyiminyakazo eyingozi kakhulu kuzo zonke izici zomnotho. Ngokwalo mbono, awukwazi ukukhohlwa ukuthi ekukhuleni kwayo kufanele ugweme ukubekwa endaweni ngoba ungazibona ucwiliswe kakhulu ekulahlekelweni okukhulu. Ngaphezu kwalokho ongakucabanga kusukela ekuqaleni.
Igciwane lokudangala okukhulu
Ukubuyekezwa komlando akuvezi ukuthi lokhu kuhamba kungaba umsuka wokucindezeleka okukhulu emnothweni wezwe noma ngisho nasezingeni lomhlaba. Kunezibonelo zalokho okwenzeke kufayela le- Ukudangala Okukhulu kweminyaka yama-30 e-United States kanye ne-bubble real estate engaziwa kakhulu eJapan ngawo-80. Zikhombisa kakhulu imiphumela yalokhu kuhamba okuyingozi ezimpahleni zezimali. Okungaphezulu kokwehla kwentengo kusuka kunani langempela langempela noma okungenani elilinganisiwe.
Ngoba empeleni, kungaholela ekuweni komnotho wezwe. Ngokukhula okuncane komnotho, ukusweleka kwemisebenzi okwengeziwe nenani eliku- inani lemali phansi. Ngamafuphi, esimweni esibi kunazo zonke lapho kuthinta izisekelo zesizwe. Ngalo mqondo, kulezi zinsuku abantu bakhuluma ngebhamu ezikweletini zomphakathi nokuthi nganoma yisiphi isikhathi kungalimaza okulindelwe ngabatshalizimali abancane nabaphakathi. Ngalo mqondo, ingxenye enhle yabahlaziyi bezezimali incoma amaklayenti abo ukuthi angavezwa emholweni ohleliwe walezi zici. Ngoba bangalahlekelwa ngaphezu kokuwina.
Ibhamuza lezindlu eSpain
Esinye sezimo esiseduzane yilesi esibhekana naso eSpain ngenani lezindlu. Ngoba empeleni, kuyenyuka futhi kumazinga angabonwa eminyakeni yamuva futhi lokho kungaba yimbangela yalokhu kuhlanekezela kwamanani okwenzekayo. Ngomqondo, ukuthi abatshalizimali kulesi sigaba sezakhiwo benza imali eningi ekusebenzeni kwabo. Kepha-ke baba sengozini enkulu yokuthi phelelwa isibindi njengomphumela webhamu yalezi zici. Akumangalisi ukuthi inqubo efanayo eyatholwa eSpain ngokuqala kwenkinga yezomnotho. Lapho intengo yendlu yehle yaya emazingeni ayengalindelekile kubanikazi abasha.
Abahlaziyi bezimboni sebevele baxwayisa ngokuthi kungenzeka le nqubo efanayo. Esinye sezimpawu zokufinyelela kulesi siphetho ukwenyuka okukhulu kwentengo ye- ukuqashwa Ngezinyanga zokugcina. Ezihlokweni ezinkulu ifinyelele amanani avinjelwa ngempela ngengxenye enhle yabantu abangaqhathanisa. Lesi yisexwayiso esibucayi ngalokhu okwenzekayo ngokushisa kwentengo yemakethe yezezakhiwo. Umkhakha oyisisekelo emnothweni waseSpain nokuthi uma kwenzeka ungonakalisa ukuvuselelwa komnotho eSpain.
Izixazululo zokubhekana nenkinga
Ngaphambi kokuba imiphumela emibi yebhola lezomnotho noma lezezimali lifike, ngeke kube khona okunye abangakwenza ngaphandle kokuthatha uchungechunge lwezinyathelo zokunciphisa izehlakalo zalo. Vele, ukubhekana nale nkinga, i-European Central Bank isesimweni soku khuphula izinga lenzalo ukubhenka, futhi, kancane kancane, amanani entengo yezenzo kanye naphansi ayokujwayela. Njengoba kuyinto efiselekayo engxenyeni enkulu yabenzeli bezomnotho ababamba iqhaza kule nqubo emangalisayo. Ngakolunye uhlangothi, kufanele futhi ucabangele konke okuphathelene nomthetho wokunikezela nokufunwa.
Kunoma ikuphi, sikhuluma ngesinye sezimo eziyingozi kakhulu emnothweni wawo wonke amazwe nokuthi ohulumeni bazama ukuwuvikela ngazo zonke izindlela. Ngoba imiphumela yayo iyabulala izintshisekelo zabo bonke. Yize ngakolunye uhlangothi, kungokwemvelo kakhulu ukuthi lezi zinkinga zivele ngemvamisa ethile. Uma kungenjalo, kunalokho, kuyizikhathi zesikhashana.