I-Bankinter ivale ngempumelelo ukubekwa emakethe kwenkinga yesikweletu esikhulu esigabeni sayo esikhethiwe emahoreni amathathu nje kuphela ngemali engama-euro ayizigidi ezingama-500, ngaphezu kweminyaka emihlanu, ku-a Umugqa wephuzu lesisekelo elingu-75 ku-midswap, okusho ukubuyiselwa kwe-0,90%, inani elingaphansi kwesibonakaliso sokuqala. Usuku nosuku lokukhokhelwa lubekelwe izinyanga ezimbalwa ezizayo zalo nyaka; nosuku lwayo lokukhokha, ngoMashi 5, 2024.
Le nkinga ibhalise ukufunwa okungaphezu kwezigidi ezingama-2.200 zama-euro, okuyimali ephindwe kane kunaleyo enikelwe. Ngokunjalo nokubekwa kwenziwe phakathi kwabatshalizimali bezikhungo abangaphezu kwe-160, okungu-60% wabo owamazwe omhlaba. Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi izindawo zamabhangeIBankinter, iBarclays, i-BBVA neNatixis yibona ababambe iqhaza kulo msebenzi. Kunoma ikuphi, lokhu ngomunye wemikhiqizo engaziwa kakhulu yabatshalizimali abancane nabaphakathi futhi leli qiniso lingaholela ezinkingeni ezingaphezu kweyodwa ekuqashweni kwabo.
Ukukhishwa kwesikweletu esikhulu "esithandwayo" kubonakala ngokuba nosuku lokuqalisa kanye nosuku lokuvuthwa. Phakathi kokunye nokuvamisile kwenzeka cishe iminyaka engu-6 noma engu-8. Ngakho-ke okokuqala kungumkhiqizo ohloselwe igama elide kakhulu. Ngakho-ke, imali etshaliwe kumele ingahanjiswa isikhathi eside. Lesi ngesinye sezinkinga ezinkulu ukwenziwa kwaso ngokusemthethweni okuholela ekutheni iqiniso lokuthi ingxenye enhle yamakhasimende ayikhuthazwa ngalo mkhiqizo okhethekile lapho sinikela khona lolu lwazi ku-athikili.
Ukukhishwa kwesikweletu: izici
Lesi sigaba sezinkinga sisebenza ngaphansi kwenzuzo ecishe ifane nemikhiqizo etholakele yemali etholakalayo. Ku-hairpin ehambayo phakathi kuka-0,75% no-1,25%, kuye ngodaba ngalunye. Ngamanye amagama, intshisekelo yabo iphakeme kunasesimweni semali egcinwe ebhange. Cishe izishumi ezimbalwa zephesenti ngenhla. Ukuba esinye sezikhuthazo zokubaqasha kusukela manje kuqhubeke. Kunoma ikuphi, kuyinkimbinkimbi kakhulu ukuthi bangadlula amazinga enzuzo angaphezu kwe-2% noma i-1,50%. Akumangalisi ukuthi umholo wakho ukhawulwe kakhulu kusukela ekuqaleni kokusebenza.
Njengakolunye uhlangothi kunengqondo ukuqonda, lokhu kungumkhiqizo ayikwazi ukukhanselwa, hhayi ingxenye noma ngokuphelele. Ukufika ezingeni lokuthi kungenye yezingqinamba zayo ezifanele kakhulu abasindisi abanazo lapho bebhekene nenkinga abanayo yokukhetha le ndlela entsha yokutshala imali noma cha. Ngoba akukhiqizi ukusebenza okuheha ukunakwa yize kungaphezulu kwemikhiqizo yasebhange ehlukile (amanothi ezethembiso, isikweletu noma ama-akhawunti akhokha kakhulu). Umehluko wayo omkhulu uma uqhathaniswa nalokhu yinkimbinkimbi yemodeli yayo nokuthi akubona bonke abasebenzisi abanganikela ngalezi zikhathi eziqondile.
Kuhloswe ngabatshalizimali abangochwepheshe
Kunoma ikuphi, kufanele kukhunjulwe ukuthi okwamanje, lokhu kungumkhiqizo wokutshala imali obhekiswe kuphela kubatshali zimali abangochwepheshe hhayi abantu ngabanye. Okusho ukuthi, esikhathini esifushane ngeke ukwazi ukuwubhalisa, yize kulindeleke ukuthi uzoguquka kanjani ezimakethe ukuze futhi angakhuluma naleli qembu lomphakathi. Yize empeleni kungaziwa kahle futhi izinkinga ezithile zingavela ekubekweni kwayo njengoba kuyisibonelo esisha impela emkhakheni wokutshala imali wangasese.
Ngenkathi ngakolunye uhlangothi, kufanele kukhunjulwe ukuthi isikweletu esikhulu salezi zici singumkhiqizo wezezimali othize ayikatholakali kumakhasimende asebhange, hhayi ngisho nakubasebenzisi abathandwayo. Ukuze ifike ezingeni lokuthi ilinde isikhathi ukuthi ikhethelwe ukusakazwa kwayo okulandelayo. Uma kulo nyaka okhona noma ngokuphambene nalokho, kuzofanele silinde unyaka olandelayo ukuthi sibe nomunye umkhiqizo omusha ongathakazelisa kakhulu izintshisekelo zabasindisi ngenxa yezici zawo ezikhethekile futhi ikakhulukazi izimo zayo zokuthola izinkontileka.
Kungakufanelekela yini ukubhalisa?
Okunye ukungabaza okuphakanyiswe yingxenye enhle yabasindisi abancane nabaphakathi ukuthi ngabe lokhu kungumkhiqizo ofanelekile kuzintshisekelo zabo kanye nezintshisekelo zabo. izingozi ezingasetshenziswa ngokwenziwa kwazo ngokusemthethweni. Yebo, umthelela wayo emkhakheni wabatshalizimali abathengisayo usazobonakala njengoba kuyimodeli entsha ngokuphelele futhi awuwazi umthelela wayo. Mayelana nalokhu, kufanelekile ukukhumbula izibonelo ezimbi ezazikhona esikhathini esidlule neminye imikhiqizo eyethulwa ngamabhange, eminye yayo ibhekwa njengobuthi.
Ngakolunye uhlangothi, kufanele kushiwo ukuthi impela akuwona umkhiqizo ogqame ngenzuzo yawo yokuphana. Uma kungenjalo, kunalokho, lokhu kuyindlala ngoba akuvamile ukuthi kudlule u-1,50%. Njengokuhlukile imikhiqizo engenayo engaguquki futhi ikakhulukazi ngamadiphozithi asebhange. Ngamanye amagama, ayivezi isivuno esingathathwa njengesikhanga kakhulu, kepha kunalokho okuphikisanayo, futhi lokhu kuyisici esisebenza ngokungahambisani nalokho ukukhishwa kwesikweletu esiphezulu "okukhethwayo" empeleni. Yize, ngokuphambene nalokho, kuveza ubusha besikhathi lapho kukhishwe le mikhiqizo yezezimali.
Ukuvela kokusebenza kokulondolozwa
Vele, lezi akuzona izikhathi ezinhle zokonga ngenxa yokwehliswa kwentengo yemali. Ukulandela isinqumo se-European Central Bank (ECB) ku letha inzalo ize ifike ku-0% ngasikhathi sonke ukuzama ukuthuthukisa umnotho nokukhiqiza endaweni ye-euro. Leli qiniso lisho ukuthi yonke imikhiqizo engenayo engaguquki yehlise izinga lenzalo yayo ngokungabi nayo imbuyiselo enhlokodolobha efakwe. Futhi lokho kuholele, ngokwesibonelo, enzalweni emaphakathi yediphozithi yasebhange yezinyanga eziyi-12 yokuba emazingeni angekho ngaphezu kuka-0,35%.
Njengoba kunjalo ngemikhiqizo yezezimali enezici ezifanayo ezingeyona into ethakazelwayo ngabasindisi abancane nabaphakathi. Okungenani baze bashintshe umqondo kunqubomgomo yemali eyenziwayo ngalo mzuzu oqondile. Lapho kungelula ukwenza imali enenzuzo futhi ukuyikhiqiza akukho okunye ngaphandle kokuthatha izingozi eziningi ekutshalweni kwemali. Lokho wukuthi, kuzodingeka ukubhekana nokuthengwa nokuthengiswa kwamasheya emakethe yamasheya noma eminye imikhiqizo exhunywe ezimakethe zezimali. Aphi amathuba ebhizinisi okwamanje, noma ngabe kubiza izindleko zokubandakanya izingozi eziningi ekusebenzeni okwenziwayo.
Ukwehlisa intengo yemali
Kunoma ikuphi, konke kuzoya ngokuthi i ukuvela kwamazinga wenzalo ezinyangeni ezimbalwa ezizayo noma ngisho neminyaka. Kokubili ohlangothini lwe-Atlantic nolunye, njengoba umthelela wayo uzozwakala kuzo zombili izingxenye zomnotho nezezezimali. Ngoba ngesikhathi le mpahla yezezimali inyuka, akungabazeki ukuthi kuzoba nokwanda kwenzuzo yale mikhiqizo yezezimali exhunywe kwiholo elingaguquguquki.
Ngokuqina okukodwa noma okunye futhi lokho kuzonqunywa ngezinga lokukhuphuka kwentengo yemali. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe okungathonya nokuzimisela kwalokhu kuguquguquka okubalulekile kokonga. Futhi lapho-ke kuzophinde kube nomthelela wakho ekuthini ukukhishwa kwezikweletu eziphezulu "okuthandwayo" kusukela manje kuqhubeke. Lapho ngokuqagela kungahle kuthande ukuba yi- umholo ophanayo kunamazinga wamanje.
Isikweletu esikhulu seminyaka engu-7
Elinye lamabhizinisi akhethe lo mkhiqizo wezezimali kuze kube manje awaziwa yingxenye enhle yabasindisi abancane nabaphakathi ICaixabank. Ngoba empeleni, ithathe isinqumo sokukhipha inkokhelo entsha yesikweletu esikhethwe kulo nyaka, kulokhu ihlinzeka isikhathi sokuvuthwa seminyaka eyisikhombisa ngenani elingakaqinisekiswa yibhange. Kunoma ikuphi, okwaziwayo ukuthi intengo yokuqala yamabhondi ingamaphuzu ayi-115 esisekelo midswap. Lapho kungenye ehloselwe ikakhulukazi abatshalizimali abangochwepheshe hhayi abantu.
Ibhange laseCatalan linqume ukuthi amabhizinisi iBarclays, iCaixaBank, iJP Morgan, iNatixis kanye neMakethe yaseNatwest yiwona azobhekela ukumaketha lo mkhiqizo njengezinto zokubekwa. Yize kungaziwa ukuthi impendulo yangempela ibe yini mayelana nokwamukelwa kwale ndlela entsha yokutshala imali. Ngokuhlala isikhathi eside kakhulu kuqhathaniswa nolunye uchungechunge lwemikhiqizo yezezimali etholakala manje emakethe. Ngale kokunye ukucatshangelwa kwezobuchwepheshe ngakho. Lapho namanje abatshalizimali abancane nabaphakathi bengeke bakwazi ukuwubhalisela, noma kungenqatshelwe ukuthi bangafeza ezindabeni ezizayo zalesi sigaba sesikweletu esikhulu.