Akungatshazwa ukuthi ibhange ayiyeki ukunikeza isimanga. Lapho ukuthengwa kwe- I-Banco Popular nguSantander nge-euro eyodwa, manje sekuwukujika kwelinye lamaqembu amakhulu ezezimali afana neBankia. Yize imiphumela ingeyona emangalisayo kubatshalizimali abancane nabaphakathi njengasesimweni esedlule. Umkhakha onjengebhange ongayeki ukunikeza isimanga, ngandlela thile. Ukulingisa njengomunye wemikhakha esebenzayo kwezokuhwebelana kwamasheya kuzwelonke nakwamanye amazwe.
Yebo, i-Bankia isimemezele ukuthi isayine ne-BMN ezongenisa leli bhizinisi ngokuletha amasheya amasha we-Bankia ayizigidi ezingama-205,6 kubaninimasheya, okusho ukuthi ukukala iBMN ngama-euro ayizigidi ezingama-825, okungukuthi, Izikhathi ezingama-0,41 ivelu yayo yencwadi. Ngandlela thile, bekuyizindaba ebezilindelekile, ezimakethe zezimali nakubatshalizimali uqobo. Kuze kube yilapho kwaba ngamahemuhemu asatshalaliswa ezimakethe zamasheya zikazwelonke. Kuze kube ekugcineni izindaba seziqinisekisiwe
“Umsebenzi muhle kakhulu kubo bonke abanamasheya eBankia ngenxa yokuthi kusho ukuthini ukwakha inani. Futhi kuyinto enhle kakhulu kubakhokhi bentela ngoba inyunyana yazo zombili lezi zinhlangano ikhulisa ikhono lokukhokha usizo olutholile, "kusho uGoirigolzarri. Kunoma ikuphi, imisebenzi enkampanini efakwe ohlwini ikhuphukile. Kunoma ikuphi, lesi sinqumo asikona okokugcina ngoba kubonakala ukuthi lokhu Iphrojekthi yokuhlanganisa ithunyelwa emihlanganweni yabaninimasheya abafanele kwaBMN naseBankia ukuze bavunyelwe. Kuzobonakala emasontweni azayo lapho kuqhubeka le mihlangano yamabhange womabili.
I-Bankia ihambisa ithokheni emkhakheni
Ngemuva kwalezi zindaba ukuhlelwa kabusha komkhakha wamabhange kazwelonke. Awukwazi ukukhohlwa ukuthi izinhlangano zezezimali ezimbalwa futhi ezimbalwa zisebenza kulo lonke izwe laseSpain. Futhi impela i-Bankia ingenye ye- inkomba yabalingisi bale nqubo. Ngemuva kwamabhange amabili amakhulu aseSpain: iSantander neBBVA. Kulesi simo esethulwe yilo mkhakha, bekuzolindeleka ukuthi kube negxathu eliya phambili elivela eBankia. Futhi impela yenziwe yaba ngaphansi kwezimo ezaziwa ngalezi zinsuku zehlobo elimatasa kakhulu.
Umphumela ongaba nawo kwi-Bankia uyefana nalowo odalwe ezinye izinhlangano zezezimali. Okusho ukuthi, ngochungechunge lwe ukungabaza esikhathini esifushane ukuzinza phakathi nendawo nangesikhathi esizayo. Kunoma ikuphi, kunezinkampani eziningana zokuhlaziya ezibheka ukuthi lokhu kuzoba umsebenzi omuhle kakhulu eqenjini elidala lezezimali laseMadrid. Akumangalisi ukuthi ingahle ikhule ngokwenyuka okungayifaka phakathi kwe-euro eyodwa noma amabili ngaphezulu kwentengo yayo yamanje.
Ngaphezulu kwama-euro ama-4 ngesabelo ngasinye
Ukusabela kukaBankia ezimakethe zezimali bekungeke kube kuhle kakhulu. Ngoba empeleni, amanani abo athuthukisiwe ngaphezu kuka-3,5% kumasheya, ngemuva kokumemezela isivumelwano neBanco Mare Nostrum (BMN) sokwenza ukuhlangana kwayo, okuyisisekelo sayo esazisa ibhizinisi ngama-euro ayizigidi ezingama-825. Ngokuqondile, ibhizinisi eliholwa nguJosé Ignacio Goirigolzarri ekugcineni likwazile ukunqoba ukumelana elalinakho ngama-euro amane. Ekugcineni ukuhweba ngama-4,17 euros ngesabelo ngasinye, ekupheleni kweseshini yokuhweba.
Kunoma ikuphi, akukho ukushoda kwezibikezelo zokubheja azokwazi ukukwenza ukunqoba isithiyo esingokwengqondo sama-euro amahlanu akusona isikhathi eside ngokweqile. Uma lesi simo sigcwaliseka, akungabazeki ukuthi kuzoba yithuba lokuthenga langempela ezinyangeni ezimbalwa ezizayo. Njengenye yezindlela ezicacile zokwenza ukonga kunenzuzo ngokuphepha okukhulu. Kodwa-ke, ukulungiswa kwamanani akumele kukhishwe esikhathini esifushane. Okungathathwa njengezinga elihle kakhulu lokuvula izikhundla kwelinye lamanani ashisa kakhulu emakethe yamasheya aseSpain.
Inani elinenzuzo enkulu ngo-2017
IBankia ngokungangabazeki isibe ngesinye seziphakamiso zemakethe yamasheya esidala inzuzo enhle kakhulu kulesi sikhathi. Kuze kube seqophelweni lokuthi amasheya abo akhuphuke ngo-15%, ngaphambi kwamanani amaningi afanele kakhulu wokulingana kwezwe. Yize ama-maximums ayo abe yizinyanga ezimbalwa ezedlule ngaphezu kwamazinga amanje. Ngokuqondile, ukuhlola ukwesekwa kusondele kuma-euro angu-4,50 ngesabelo ngasinye.
Kunoma ikuphi, enye yezinombolo ezijwayelekile zenani layo emasontweni edlule kube yiwo ukwanda okuphawulekayo kumthamo wayo wenkontileka. Isici esingahle simemezele umlenze omusha we-bullish kusukela manje kuqhubeke. Kodwa-ke, isimo sokuhlaziywa kobuchwepheshe baso sibonakala sikhombisa ukuthi sibona inhlangano yokuqinisa. Ngenkathi engahlala izinyanga ezimbalwa ngaphambi kokukhetha ukuthrendela phezulu noma phansi.
Okwamanje, isikhundla sikaBankia emkhakheni wezamabhange siyiqembu lesithathu ngobukhulu ezweni. Isikhundla sabiwe noLa Caixa futhi ngemuva kuphela kwezinsimbi ezinkulu zebhange likazwelonke: i-BBVA ne-Santander. Futhi ngaphambi kwakho konke okunye, okubhalwe ohlwini hhayi. Ngoba impela, ngeke kulibaleke ukuthi ngemuva kokutakulwa kwayo emphakathini kube ngelinye lamaqembu akhule kakhulu eminyakeni yamuva.
Yini engalindelwa manje?
Abatshalizimali abaningi abancane nabaphakathi bangacabanga ukuthi sekwephuze kakhulu ukungena ezikhundleni zabo. Ngemuva kokubuyekezwa okuqinile kwamanani abo. Kuyiqiniso ukuthi okwamanje intengo yayo ayikhangi kangako kunezinyanga ezimbalwa ezedlule. Kepha kusenamandla okukhula, okungenani esikhathini esimaphakathi. Lapho okukhona isu elihle kakhulu sisebenzise ukulungiswa okuthile ngubani ozohlupheka ukungena ezikhundleni zabo ngamandla. Akumangalisi ukuthi kunamathuba aphezulu okwenza imisebenzi enenzuzo ngempumelelo ethile.
Amazinga ama-euro amahlanu kuyiqiniso ukuthi asondele kakhulu, kodwa ungakhathazeki ngokufeza le nhloso esikhathini esifushane kakhulu. Ukuthi kungadala ukukhathazeka kubatshalizimali abancane nabaphakathi. Leli nani lilungele kakhulu imigomo yokuqina, njengoba kunjalo ngawo wonke umkhakha webhange. Ngaphandle kweqiniso lokuthi ezinyangeni ezedlule kusungulwe uptrend ongenasici ngokuphelele futhi okuholele ekongeni okuthe bakwazi ukwenza imali eningi ezindaweni zabo ezivulekile.
Elinye isu ongalisebenzisa kusukela manje kuhlanganisa lokhu kuthenga nalokho kwamanye amasheya emakethe yamasheya aseSpain. Ngaphandle kwenye inhloso ngaphandle kokwehlukanisa utshalomali lwakho ukuze ngale ndlela imali yakho ivikeleke kakhulu ezimeni ezimbi kakhulu emalini yamazwe omhlaba. Ukwakha ubhasikidi wezenzo lapho kumelwe khona imikhakha efanelekile yendwangu yaseSpain. Uma ulandela lezi zeluleko, unganciphisa kangcono izingozi ezingavela kusukela manje.
Amathiphu wokuthatha izikhundla
Uma ufuna ukwandisa imisebenzi eyenziwa kulesi sikhungo sezezimali, ngeke ube nenye indlela ngaphandle kokusebenzisa imihlahlandlela elula yokwenza okuthile. Ngeke kube uphawu lokuthi uzofinyelela ezinhlosweni, kepha okungenani kuzokusiza kakhulu ukufinyelela inhloso oyifunayo. Ngokuyisisekelo zizosuselwa kuzindlela ezilandelayo zemakethe yamasheya.
- Uma ungafuni ukukhokha amanani abiza kangako, ungawalinda ukuthi enzeke ukulungisa ukwenza ukuthengwa kube nenzuzo enkulu kakhulu. Ngisho nokukhulisa amandla ayo okubonga.
- Akudingekile ukuthi uthenge kakhulu, kepha kuzokwanela ukuthi unikeze ingxenye kuphela yokonga kwakho. Kuzoba yindlela efanelekile yokuqapha ikusasa.
- Kuzo zonke izimo, kuzosebenza kakhulu kuwe ukuthi ucabangele ezinye izinhloso eziphansi kanye nesikhathi saphakade ongasikhokhela.
- Zama ukuthenga ngalezi zenzo eduze kwezisekeli hhayi kuma-resistors. Kuyinto encane ezongena kalula ukwenza imisebenzi ibe nenzuzo. Ngemiphumela egculisa kakhulu yezintshisekelo zakho.
- Kufanele wazi kakhulu ifayela le- ukuvalwa kwamasonto onke ngoba noma ikuphi ukukhula noma ukwehla kwentengo yayo kuzokunikeza umkhondo ongaphezu kowodwa mayelana nalokho okufanele ukwenze.
- Alikho isu elingcono lokutshala imali kunokusebenzisa ngokunenzuzo ukukhuphuka okubukhali ukulungisa izikhundla ezimakethe zezimali. Ukuze ngale ndlela, ukwazi ukujabulela ukuzuza kwemali oyifanele kahle.
- Kuyasebenza futhi ukuthi ulinde izinsuku ezimbalwa ukubona ukuthi ukuvela kwamanani abo kunjani. Ukuze ngale ndlela, ukwazi ukungena ezikhundleni zabo ngokukhulu iziqinisekiso zokuphepha futhi ugweme ukwenza noma yiluphi uhlobo lwamaphutha.
- Umkhakha wamabhange ungenye ye izimali ezishisa kakhulu ezweni futhi kungenxa yalesi sizathu esifanayo ikwazi ukukhiqiza ukuguquguquka okukhulu kwamanani ayo. Ngokukhishwa okungazelelwe okungakudukisa kwesinye isikhathi noma okunye.
- Kufanele wazi kahle lokho ungaphuli izisekelo ezibaluleke ngokukhethekile lokho kungashayela izenzo zakho emazingeni aphansi kakhulu. Kulezi zimo, isinqumo esihle kakhulu ukungangeni ezimakethe zezezimali.