Umkhakha wezokwakha eSpain uphinde waba ngomunye wabasebenza kakhulu emnothweni. Ukubuza ngalo msebenzi kujwayelekile kubantu baseSpain. Akumangalisi ukuthi imakethe yokuthenga nokuthengisa amafulethi yenziwe yasebenza kakhulu, isizwa yizimo ezethulwe yimalimboleko enkulu yempahla. Ungathola ukusakazeka ngaphansi kwe-1%. Lokho wukuthi, kuzofanele ukhokhe kancane kwizitolimende zakho zenyanga. Lesi simo sisiza abagibeli ukuthi baphinde babe nentshisekelo kumasheya e-real estate kuma-equities.
Lo mkhuba uqhathaniswa nedatha enhle evela emkhakheni wezezakhiwo kulo nyaka. Ngoba empeleni, ukusebenza kwawo kabusha kudala ukwanda kwenani lezinkontileka zokuthola ikhaya ezinyangeni ezisanda kwedlula. I-Housing Price Index (HPI) ehambelana nonyaka we-2016, ekhishwe yiNational Institute of Statistics (INE), ikhombisa ukuthi imisebenzi ikhule ngo-3,9% kulesi sikhathi.
Ukugcizelela amandla amakhulu okubhaliswa komsebenzi wezomnotho ezweni lethu. Ukusuka kulesi simo, yiziphi izindlela ongazenza ukwenza imali oyongele izuze kusukela manje? Yebo, ziningana futhi zinemvelo ehlukahlukene, futhi lapho ezinye zazo sizokuveza ngezansi.
Buza ngokwakhiwa
Inkomba yokulinganisa yemakethe yamasheya yaseSpain, i-Ibex 35, inikeza isipho esinamandla sezinkampani ezixhumene nomkhakha wezokwakha. ACS, OHL, Acciona, Sacyr, FCC noma Ferrovial ezinye ze iziphakamiso lapho ungakhetha ukuthenga amasheya abo. Yizinkampani ezinkulu ezinkulu ebezithuthukisa ukunyakaza okuthakazelisa kakhulu emasontweni adlule. Njengomphumela walo mkhuba, kungahle kube yisihloko sokuthengwa kokuqala kokukhetha ukwenza iphothifoliyo yakho yokutshala imali ngonyaka ozayo.
Ezinye izikhuthazo ezikhiqizwa yilawa manani ezikuqinisekisa ukuthi uzokhokha ngokungaguquguquki minyaka yonke njengezabelo. Akuzona eziphakeme kakhulu, kepha kungumthombo wemali eyengeziwe ukukusiza ukuxazulula izinkinga zakho zokuba nemali eningi. Ngesabelo sale nkokhelo, okujwayelekile yisemester noma ngonyaka. Ngokuqondile, okuningi kwalokhu okubhaliselwe kuzokwenziwa phakathi kwabaninimasheya ngesikhathi samaholide kaKhisimusi azayo. Kuyisu elingakha imali engenayo engaguquki kokuguquguqukayo, futhi kungakhathalekile ukuthi amasheya ayo abiza kanjani ezimakethe zezezimali.
AmaChicharros afakwa kumanani wemakethe yamasheya aseSpain ahambelana nezinkampani ezinemali encane ezihambisa izihloko ezimbalwa kakhulu emakethe. Njalo ngaphansi kwe-oscillation enamandla kakhulu ngamanani abo. Ngenkathi inkomba ekhethiwe kazwelonke ishiya cishe i-10% kulo nyaka, amanye amanani amancane athola imbuyiselo engaphezu kokujwayelekile. Bangophizi lokho babonge ngalesi sikhathi ngaphezu kwama-50%. Izinkampani ezinjenge-Amper, iTecnocom noma i-Dogi zikhuphuke ekulinganisweni kwamasheya abo kumazinga angacabangeki kuze kube yizinyanga ezimbalwa ezedlule. Akumangalisi ukuthi bahole ukusebenza kwezilinganiso zamasheya aseSpain.
Kepha bangaba yini ngamasu akho okusebenza ezimakethe? Yebo, ungafinyelela ku- thola izinzuzo ezinkulu kakhulu kulondolozo lwakho. Kepha ngasikhathi sinye ukushiya ama-euro amaningi endleleni. Uma ufuna ukungenisa ngomthwalo omkhulu kulokhu kuhamba, ngeke ube nenye indlela ngaphandle kokucacisa ukuthi yiziphi ezinye zezici ezaziwa kakhulu. Ukuze uthuthukise isikhundla kuma-akhawunti akho. Ukwazi ukuthi imiphi iminikelo abakunikeza yona ukukhuthaza ukonga kwakho.
I-Chicharros: ukukhishwa ngokweqile
Uma amanani abhekwa njengophizi ahlukaniswa okuthile, kungenxa yokuthi umehluko phakathi kwentengo yayo ephezulu nenenani eliphansi ubhalwe kakhulu. Ngaphezulu kwendabuko ebhalwe emakethe. Lokhu kwehluka kungafinyelela ku-10% kuseshini efanayo yokuhweba. Noma ngamamajini aphezulu kuziphakamiso ezinolaka kakhulu. Ngemvamisa ethile uzokwazi ukuvula nokuvala izikhundla ngosuku olufanayo lokulingana. Ngethemba, ngokubuya okucacile okuhle kwezintshisekelo zakho.
La ukuguquguquka okuphezulu Kumanani abo kuthinta ukuthi amanani akhuliswe kakhulu ukuthola izinzuzo eziningi. Engxenyeni enkulu yokusebenza ngemuva kokuthuthuka okubaluleke kakhulu ukufeza izinhloso. Ukwenza iphothifoliyo yakho isebenze kahle. Noma kungokuhamba okungadala ukudideka kuzindlela ozenza zibe semthethweni ezimalini.
Kufanele unakekele ngokukhethekile ekuqashweni kwabo ngoba ukukhuphuka kwabo ezimakethe zezimali kubangelwa ukunyakaza kumugqa wakho webhizinisi. Futhi uma kungalandelwa, kungaholela entengo yamasheya yehle iye emazingeni ayingozi kakhulu ezithakazelweni zakho njengomtshali-zimali omncane.
Izabelo yizinkokhelo ezenziwa izinkampani kubaninimasheya abo ngenxa yenzuzo etholwe yilayini bezamabhizinisi abo. Futhi kungenye yezinto eziguquguqukayo lapho izinkulungwane nezinkulungwane zabatshali zimali babheka ukwenza iphothifoliyo yabo yokutshala imali. Lokhu kungenxa yokuthi nikeza ukusebenza okusukela ku-3% kuye ku-8%. Kepha into ethakazelisa kakhulu ezindleleni zakho ukuthi ungasebenzisa amasu ahlukene ukuze uzuze kule nkokhelo enikezwe ezinye zezinkampani ezibhalwe ezimakethe zezimali. Impela ufuna ukubazi ukuze bazisebenzise kusukela manje.
Izinzuzo: imali engenayo engaguquki kokuguquguqukayo
Elinye lamasu akhethwe ngabasindisi ukusungula imali engenayo engaguquki kokuguqukayo ngezabelo. Ngaphandle kokufakwa kuhlu kwayo emakethe yamasheya. Sizokunikeza i- inzuzo ephakeme kunaleyo eyenziwe ngemikhiqizo emikhulu yasebhange (imali yesikhathi, ama-akhawunti akhokhelwayo, amanothi wesithembiso, njll.). Lezi zinhlobo zokonga kuyaqabukela zeqe u-0,50% ekusebenzeni. Ngaphezu kwalokho, ngokusebenzisa izinzuzo uzoba nemali engaguquguquki futhi eqinisekisiwe njalo ngonyaka. Ukusiza ukugcina isikweletu se-akhawunti yakho yokuhlola, ngaphezu kokunye ukucatshangelwa.
Okunye kokuziphatha ongaba nakho ngalezi zinkokhelo ezivamile ukusebenzisa ngokunenzuzo ukukhuphuka okutholwa amasheya abo ezinsukwini ezingaphambi kokuba zikhokhwe. ukuqeda utshalomali. Leli isu eliyinkimbinkimbi kakhulu elisetshenziswa kaningi ngabatshalizimali abanolwazi oluningi ezimakethe zezezimali. Abafuni lokhu kusebenza, kepha abakufunayo ukwenza inzuzo yokusebenza kwabo ngazo zonke izindlela. Ngisho nakulo muholo abanelungelo lawo kepha bengazilolongi nganoma yisiphi isikhathi.
Okunye okuhlukile ongakufinyelela kungokwakudala kakhulu. Iqukethe i- linda amanani abuyele ezingeni lawo langaphambilini, uma sehlisiwe kusukela enkokhelweni yesabelo. Kuzothatha amasonto ambalwa ukuthi lokhu kwenzeke. Kepha noma kunjalo uzothengisa amasheya akho kuphela ngezinzuzo zesivuno sezabelo. Lokho kusho ukuthi, kutshalomali oluqondile ozobe usulwenzile, ngeke uthole nzuzo. Ngenye yezindlela eziphumelela kakhulu zokwandisa ukukhokhwa kwalo mholo izinzuzo ezikunikeza zona. Yize kungenzeki kangako kulokho okutshalwayo okumsulwa futhi okulula.
Ngaphansi kwaleli gama elixakayo kufakwe uchungechunge lwamagugu wemali engenayo eguquguqukayo abonakala ikakhulukazi ukuthi benze ukushintshaniswa kokonga phakathi kwabatshalizimali babo. Lokhu kungenxa yokuthi yizinkampani eziqinisiwe, ezibonisa inqubekela phambili ngentengo yazo cishe njalo ngonyaka. Ungalindeli ukuthi babe ngaphansi kwemikhawulo ebabazekayo, kepha kunalokho ama-appraisal akhe ahamba kancane kodwa aqinisekile.
Njengomphumela walezi zici ezikhethekile, zinconyelwa kakhulu iphrofayli elichazwe kahle labatshalizimali. Ukuzivikela, akathandi ukubeka engcupheni imali yakhe ngokweqile futhi isikhathi sokusebenza kwakhe unomphela siya kwelikhulu nelide. Kuleli qophelo, kungenzeka ukuthi ukhulisiwe ayini amanani agcinwa yilobu buciko. Ungakhathazeki ngoba sizokunikeza ngezansi kwamanye amanani afeza lo msebenzi.
Amanani: I-Inditex noma ukuthembeka kwayo
Inkampani yezindwangu yaseSpain ingenye yebhange le-piggy elilinganisa ubuhle. Iletha imiphumela engcono futhi engcono yebhizinisi njalo ngekota. Lokhu kubangela ukuthi intengo yayo ivuseleleke ngokuqhubekayo, yize kungenampumelelo efana nezinye iziphakamiso ezilinganisweni. Uma uvula izikhundla kule nkampani, kuzoba yindlela yokuthuthukisa ibhange lokonga elisebenza kahle eminyakeni embalwa ezayo. Hhayi ngeze, izingozi ziphansi kunalezo ezethula amanye amanani emakethe yezimali kazwelonke.
Uma ufuna ukunikezwa ngobuningi ukwenza iphothifoliyo yakho yokutshala izimali ngamanani ebhange e-piggy, ngeke ube nokhetho ngaphandle kokuya kulo mkhakha obalulekile wezimali zaseSpain. Unezinkampani eziningi ezahlukahlukene ezinikela ngezinzuzo zonyaka njalo. Ngisho nasezimeni ezingezinhle neze ezimakethe zamasheya, zisebenza kangcono kunezinye.
Ngaphezu kwalokho, bethula esinye isisusa esibalulekile sokuthi uthenge amasheya abo. Akukodwa ngaphandle kwezabelo ezisikisela abazinikeza bonke abaninimasheya. Inzuzo ingafinyelela amazinga ka-8%. Ngaphezu kwalokhu okunikezwa yimikhiqizo eyinhloko yokonga. Esinye sezibonelo eziphawuleka kakhulu zala magugu simelwe yi-Enagás. Ikhuphuka cishe njalo ngenyanga. Amaphesenti aphansi, kepha ngaphandle kokuntengantenga kokuthambekela kwawo okuphezulu. Ngezilungiso ezithile kuzintengo zazo, kepha zincane kakhulu ngamandla azo.