Ithuba lokhetho eSpain nase-Italy olwenzeka kulokhu kwehla kuholele enkombeni ekhethiwe yemali engenayo yaseSpain, i-Ibex 35, ebhekise ezingeni eliphansi lonyaka nasemazingeni asondele kakhulu emaphuzu angama-8.600. Ngokuziphatha okubi kakhulu kunezinye izikwele zaseYurophu ezisole nalokhu kusengaphambili kokhetho. Lezi yizindaba ezimbi ngezintshisekelo zabatshalizimali abancane nabaphakathi ngoba ngomunye umbuzo okufanele bahambise imali yabo ezimakethe zezimali.
Kunoma ikuphi, zombili izimali zaseSpain nezase-Italy zibuthakathaka kula masonto futhi zithonywe kakhulu yi indima ebuthakathaka yamabhange eziphule izisekelo zokubaluleka okukhethekile. Kungumkhakha wemakethe yamasheya okufanele ugwenywe ekusebenzeni kuze kususwe ukungabaza kokuthi kungenzeka kube nokhetho eSpain nase-Italy ngaphambi kokuphela konyaka. Lapho kungenzeka kakhulu ukuthi i-Ibex 35 izovakashela leli zinga elinamaphuzu azungeze i-8.200.
Izinkampani zikagesi kuphela ezimelane nalesi simo esingesihle neze ezimakethe zokulingana. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe ngisho nasekubukeni kwezisekelo zayo. Ngoba impela, akungabazeki ukuthi sibhekene nesikhathi esibaluleke kakhulu ezimakethe zezimali. Lapho ukhetho olungenzeka eSpain nase-Italy ngaphambi kokuphela konyaka kucace ukuthi luya ngokuya phansi futhi akwaziwa ukuthi lesi simo singaqhubeka kangakanani.
Isikweletu sase-Italy asisazuzisi
Lokhu kukhathazeka kuholele ekutheni abatshalizimali abathengisa izikhala zabo ezikweletini zase-Italy, bakhuphule isivuno kwizibopho zakho zeminyaka eyi-10 ngamaphuzu angama-22, kuya ku-1,747%, ukwanda okuphezulu kakhulu kwansuku zonke kusukela ngonyaka odlule. Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi isivuno kumabhondi ase-Italy sikhuphuka kakhulu, nohulumeni esengozini yokuwa. Isimo esenza ukuthi lolu hlobo lotshalo-mali lusebenze.
Okufanayo kuyenzeka ngesikweletu semikhawulo, ikakhulukazi isikweletu saseSpain okungukuthi ubona kusakazeka isiNtaliyane. Ngokulahlekelwa yinzuzo ongayithola ezimakethe zezezimali. Kuze kube seqophelweni lokusho ukuthi akusona isikhathi esihle kakhulu sokuvula izikhundla kule mpahla ebalulekile yezezimali.
Ukhetho olwandisa ukungabaza
Ukungabaza kuhlala kutholwa kabi kakhulu ngabatshalizimali abancane nabaphakathi futhi njengoba ukhetho lwaseSpain nase-Italy ngaphambi kokuphela konyaka lungabi ngaphansi kwesibangi esiholele ukuthi izimakethe zamasheya zaseYurophu ziqale ukuthambekela okuyingozi okwehlayo. Kulezi zinsuku noma amasonto kunconywa kakhulu ukuthi ungabekeki ezimakethe zezimali lapho ubhekene nalokho okungenzeka kusukela manje kuqhubeke. Ngaphezu kwalokho, ngenyanga ka-Agasti, zimbalwa kakhulu izihloko ezishintshisanayo futhi leli qiniso lingadala ukuguquguquka okukhulu enanini lamasheya.
Ngenkathi ngakolunye uhlangothi, izimakethe zemali engenayo ezingaguquki azizinzile futhi zingenye yezinto ezinkulu ezilinyazwe ukhetho lwaseSpain nase-Italy ngaphambi kokuphela konyaka. Lapho imali iphephela kumabhondi athembeke kakhulu, njenge-United States. Le nketho yokugcina ingenye yenzuzo enkulu okwamanje, yize inzuzo yayo ingashayi ngempela, kepha isebenza ukugcina imali etshaliwe. Ngakolunye uhlangothi, ukuthuthuka okungaba khona okhethweni kabili kuthathe intengo yegolide laya ezingeni eliphezulu lonyaka ngokuba ngenye yamanani aphephile wokusebenza kahle.
Yimiphi imikhakha engenza kangcono?
Kulesi simo, imbalwa kakhulu imikhakha yamasheya engenza kangcono kunayo yonke eminye. Omunye wabo ngusokhemisi owenza njalo kangcono kulezi zinhlobo zezimo ezimakethe zezimali. Ukhetho lwaseSpain nase-Italy ngaphambi kokuphela konyaka lungasiza amasheya abo ukuthi akhuphuke ezikhundleni zabo ngaphambi kokuphela konyaka onzima wamasheya. Yize kuwumkhakha oyinkimbinkimbi kakhulu futhi ongaguquguquki ongahamba ngokuhlukahlukana kwentengo ephezulu kakhulu.
Ngakolunye uhlangothi, asikwazi ukukhohlwa ukuthi umkhakha kuphela osukhuphukile kulezi zinsuku ugesi. Lokhu kungenxa yokuthi, ngaphandle kokuba yingxenye evikela kakhulu, isabalalisa izabelo phakathi kwabaninimasheya abanenzalo emaphakathi nangu-6%. Kunoma ikuphi, kuphakeme kunalokho okunikezwa yimikhiqizo emikhulu yasebhange yezimali kanye nokuphuma kwemali engenayo engaguquki. Lapho imikhawulo yokulamula engu-2% idlulwa ngokulambisa. Futhi lokhu kukhuthaza abatshalizimali abancane nabaphakathi ukuthi bakhethe izindinganiso zalo mkhakha wezamasu emnothweni wezwe.
Ezinye izindlela zokutshala imali
Ngokuya ngezimo zokhetho lwaseSpain nase-Italy okufanele luphindwe ngaphambi kokuphela konyaka, umbono ezweni lotshalo-mali awuthembisi nakancane okwamanje. Azikho ezinye izindlela eziningi ongazenza ukwenza imali oyongile izuze kusukela manje. Emakethe yamasheya yaseSpain ungathatha isikhundla kwizibambiso ezibizwa ngokuthi inani. Lokho kungukuthi, ngenani elifakwe kuhlu ngezansi kokulindelwe, kepha lokho kunethuba eliphakeme lokubuyekeza kunalokho okunye. Kungaba utshalomali lwesikhathi esimaphakathi neside nalapho ungathola khona inzuzo eningi ngamanani amanje.
Esinye isici okufanele usihlole ngalesi sikhathi esinembile ukutholakala kwenzuzo ephansi yamabhondi amakhulu. Isixazululo sale nkinga silele ekuqashweni kwamabhondi aqhamukayo kwazise yiwona anganikeza inzuzo ephezulu kusuka manje. Kepha ukuthatha izingozi eziningi ngakolunye uhlangothi kunengqondo ukucabanga. Kepha yibo kuphela abasenendlela eya phezulu futhi bangakunika injabulo ezinyangeni ezizayo. Kungcono uma zibhaliswa ngezimali zokutshalwa kwezimali futhi lokho kungahlanganiswa nezinye izimpahla zezimali ukuze kuhlukaniswe kangcono lokhu kuthathwa kwezikhundla.
Ukuthengiswa kwezikweletu
Ngaphakathi ezimakethe zamasheya asikwazi ukukhohlwa noma ukuthi uma sikholwa ukuthi ukwehla emakethe yamasheya kuzoqhubeka, singazisebenzisa izikhundla ze-bearish. Ngemikhiqizo yabatshalizimali nokuthengisa ngesikweletu okungaba nenzuzo enkulu ezimweni zamanje. Kepha ungangabazi ukuthi bangamamodeli wokutshala imali anobungozi obukhulu kakhulu kunabanye ngoba ungashiya ama-euro amaningi endleleni.
Uma izinto zikhula njengoba ucabanga, lokho kusho ukuthi imakethe yamasheya ewayo, akungabazeki ukuthi ungathola izinzuzo ezinkulu. Kepha ukube bekungenjalo, ukulahleka nakho bekuzoba namandla kakhulu futhi nomnotho wakho wasekhaya ubungeke ukubekezelele. Kuze kube seqophelweni lokuthi kungaba umsebenzi owonakalisayo wezintshisekelo zakho. Ngemuva kwakho konke, ngomunye wemikhiqizo yezezimali enobungozi obukhulu ekusebenzeni kwakho. Ilungele kuphela abatshalizimali abanolwazi oluningi kuleli klasi lokuhamba kwesitoko. Ngakho-ke, qaphela kakhulu uma uzovula izikhundla kumamodeli e-inverse ekutshalweni kwemali. Kungcono uma zibhaliswa ngezimali zokutshala imali futhi lokho kungahlanganiswa nezinye izimpahla zezezimali ukukwehlukanisa kangcono lokhu kuthathwa kwezikhundla.
Ukusetshenziswa kwemali kwabaseSpain
Izindleko ezisetshenzisiwe emndenini ngamunye kwakungu-29.871 2018 euros ngo-2,3, okwakumele ukwanda minyaka yonke kwama-1,4%, ngokusho kwedatha yakamuva evela ku-National Institute of Statistics (INE). Lapho kukhonjiswa khona ukuthi ngokwemigomo engaguquguquki, okungukuthi, kususa umthelela wamanani entengo, isilinganiso semali esetshenzisiwe emndenini ngamunye sikhule ngo-XNUMX%. Ngokwengxenye yayo, izindleko ezijwayelekile umuntu ngamunye kwakungu-12.019 euros, ngokunyuka okungu-2,5% uma kuqhathaniswa no-2017. Ukuhluka ngokwemigomo engaguquguquki kwakungu-1,6%. Ngokwengxenye yayo, ukusetshenziswa kwemali okuphelele kwayo yonke imizi ehlala eSpain, kukalwe ngokwemigomo yamanje, kukhuphuke ngo-3,0%. Ngamagama avamile, ikhule ngo-2,0%, ngokusho kwedatha yakamuva esemthethweni.
Ngalo mqondo, kufanele kwaziwe ukuthi isilinganiso semali esetshenzisiwe emndenini ngamunye sikhuphukile emaqenjini amaningi ahlaziyiweyo. Labo ababhalise ukukhula okuphawuleka kakhulu kwaba:
- Ezemfundo, ezibhalise isilinganiso sonyaka esingu-11,2% ngenxa yokwenyuka kwemali kuzo zonke izingxenye zayo.
- Ezezindlu, amanzi, ugesi, igesi kanye nezinye izinto zokubasa, ezinesilinganiso esingu-4,6% uma kuqhathaniswa nonyaka wezi-2017, okukhombisa ukukhushulwa kwemali jikelele.
- Ezokuxhumana, ukusetshenziswa kwazo kukhuphuke ngo-3,7% ngenxa yokwenyuka kwezinsizakusebenza nezingcingo.
- Ezokuthutha, ngokuhlukahluka okungu-3,4% kushukunyiswa ukwanda kokuthengwa nokusetshenziswa kwezimoto nasezinsizakalweni zezokuthutha.
Ngokwabo, amaqembu lapho isilinganiso semali esetshenzisiwe emndenini ngamunye sehle kakhulu kwaba:
Izembatho nezicathulo, ukusetshenziswa kwazo kwehliswe ngo-3,4%. Lokhu kwehla kwenzeka kuzo zombili izingubo nezicathulo.
Iziphuzo ezidakayo nogwayi, ezinesilinganiso esingu -3,2% uma kuqhathaniswa nonyaka odlule.