I-premium yengozi ingenye yemingcele ebaluleke kakhulu yokunquma ukuvela kwezimakethe zamasheya. Akumangalisi ukuthi abatshalizimali bakubheka nsuku zonke ukuthola ukuthi bazothatha ziphi izinqumo ukwenza imali abayongile izuze inzuzo. Kodwa-ke, okokuqala kuzodingeka ukwazi ukuthi leli gama elibalulekile lezomnotho lisho ukuthini empeleni. Yebo, i-premium yengozi okokuqala ukuthi umehluko phakathi kwenzalo okucelwa esikweletini esikhishwe yizwe lapho izimpahla zalo zinobungozi obukhulu uma kuqhathaniswa nenye engenabo ubungozi.
Kunoma ikuphi, futhi ukuqonda kangcono incazelo yayo yangempela, kufanele wazi ukuthi lolu hlobo lwe-premium lwaziwa kangcono phakathi kwengxenye enhle yabatshalizimali efana ingozi ovela ezweni. Ngoba empeleni, akukho okuncane futhi akukho okunye okukala izingozi isizwe esingadlula kuzo, noma kungaba yini. Futhi kuye kwaziwa kahle kakhulu ngemicimbi ukuthi ithuthukile ngesikhathi senhlekelele yezomnotho yakamuva, lapho nsuku zonke into yokuqala eyenziwa yibo bonke abalamuli bezezimali kwakuwukuqinisekisa ukuthi iyini imali ekhokhelwa ubungozi eSpain. Ngoba ngezinga elikhulu, futhi ngokuya ngokuziphendukela kwayo, imakethe yamasheya yawa noma yenyuka ngamandla amakhulu noma amancane.
Esinye sezihluthulelo zeprimiyamu yobungozi ukuthi ibalwa kanjani, ngoba kwesinye isikhathi idala enye inkinga ukufika kumaphesenti ale datha yezomnotho ebalulekile. Yebo, i-premium yaseSpain yobungozi, njengalezo zanoma yiliphi elinye izwe endaweni yethu, kubalwa ngokukhipha inzalo ekhokhwe kumabhondi weminyaka eyishumi ISpanish inzalo ekhokhelwe kumabhondi aseJalimane ngamaphuzu ayisisekelo. Ngoba empeleni, lesi sibopho saseJalimane siyindawo okuyireferensi yokunquma ukuthi ikuphi izinga ngaso sonke isikhathi. Ngomthelela ohluke kakhulu, kuya ngokuvela kwawo.
Xhuma esikweletini saseJalimane
Ukunquma i-premium yengozi kubalulekile ukukhumbula ukuthi hhayi nje kuphela ubuthakathaka besibalo sezikweletu zaseSpain, kepha namandla wesikweletu saseJalimane. Kulokhu kusebenza, kunemali eningi edlula isuka esandleni futhi abaningi abawinile nabahluliwe. Ngenye yezinkinga ezizokhipha kule ndatshana. Ngoba ingakusiza ukuthi uthathe izikhundla kwenye noma kwenye impahla yezezimali. Ukuthi ungathola imali eningi, kepha ngenxa yezizathu ezifanayo, kukushiyele ama-euro amaningi endleleni. Kuyisipho okufanele sikhokhwe kwi-premium yengozi yezwe, kulokhu iSpain.
Kulesi simo esejwayelekile, imali ekhokhelwa ubungozi kubhalwe ezimakethe zezimali sengathi bekuyimpahla yezimali kusukela ekugcineni kosuku kunjalo. Ngokuhluka okungaguquguquki nsuku zonke nokuthi ekugcineni kunqume inzuzo yokutshalwa kwemali. Ngalo mqondo, limelela inzuzo enkulu kumtshalizimali ngokushintshanisa ngokuthatha ubungozi obukhulu. Njengoba uzobona, igama elithi ubungozi lihlala likhona kuzo zonke izenzo zabo, njengoba ngakolunye uhlangothi kunengqondo ukuliqonda. Futhi ngandlela thile, ifakwe kwisichazamazwi sengxenye enhle yabatshalizimali abancane nabaphakathi. Ngandlela thile, njengoba kungokwemvelo futhi kuyaqondakala ngenye indlela.
I-Risk premium: amazinga ayo
Ngalesi sikhathi kuzodingeka ngokuphelele ukwazi ukuthi kungani imali ekhokhelwa ubungozi isezingeni elilodwa noma kwelinye. Yebo, uma kuthiwa i-premium yengozi eSpain isemazingeni amaphuzu ayi-100, kusho ukuthi abukho ubungozi emnothweni wezwe. Ngamanye amagama, kuyisimo esihle impela somsebenzi wezomnotho. Ngomthelela ocacile ezimakethe zezimali ngokuthanda ukuhwebelana kwamasheya gcina uptrend njengomphumela walokhu kuxilongwa. Lapho kuthengwa khona ngokucacile okukhulu ekuthengisweni. Ekugcineni yizindaba ezamukelwa kahle yibo bonke abalamuli bezomnotho nabatshalizimali abebengekho phakathi kwabo.
Ngokuphambene nalokho, lapho i-premium yengozi ingalawuleki, njengamaphoyinti ayisisekelo angaphezu kwama-400, inencazelo ehluke ngokuphelele. Empeleni kungumphumela weqiniso lokuthi izingozi ziphakeme kakhulu futhi kufanele kwenziwe imizamo emikhulu yokuguqula lo mkhuba noma umjikelezo wezomnotho. Njengoba kungaqondakala, izimakethe zezezimali azilithathi kahle leli qiniso futhi zivamile amaconsi ezikhwameni, ngisho nangokuqina okukhethekile. Okuncane noma okuncane kukhombisa okwenzekile eSpain ekuqaleni kwenhlekelele yezomnotho, cishe ngonyaka ka-2012 nango-2013, lapho i-premium yayo yobungozi ifinyelela emazingeni athusayo ngempela.
Imiphumela ye-premium ephezulu yobungozi
Sekuyisikhathi sokuhlaziya imiphumela yaso emnothweni wezwe futhi ikakhulukazi lapho leli zinga lomnikelo liphezulu kakhulu. Ngoba imiphumela yayo ibaluleke kakhulu kunalokho ongakholelwa kwasekuqaleni. Ukuthinta ngqo ephaketheni labathengi ngokwabo. Kepha sekuyisikhathi sokuthi uqinisekise ukuthi yimiphi imiphumela yayo ebaluleke kakhulu nokuthi ungayibona kanjani kusukela manje.
- Ukukhuphuka okukhulu kwephrimiyamu yobungozi ezweni lethu nakho kukhombisa iqiniso langempela lezinkampani. Akumangalisi ukuthi kusho ukuthi izindleko eziphakeme zezimali zakho. Kuze kube sezingeni lokuthi kungadala ukungabi bikho kwemisebenzi kwande ngokungakwazi ukuthatha ingxenye enkulu yomkhiqizo wayo.
- Omunye wemiphumela eqonde ngqo kulesi simo ukuthi inzalo inyuka kakhulu futhi ngenxa yalomkhuba umbuso kuzodingeka beka imali eningi kakhulu ukuze ukwazi ukukhokha kubo. Lokhu empeleni kusho ukuthi kuzoba nemali encane yokusebenzisa imali yomphakathi, ingqalasizinda, ubuchwepheshe nezinye izinhlobo zezinsizakalo nezinzuzo. Akusona isimo esihle kunazo zonke, ngakho-ke, iningi lezakhamizi njengoba umbuso uzojwayela inqubomgomo yezomnotho egxile kakhulu ekongeni.
- Vele, ukukhuphuka kwephrimiyamu yengozi akuyona izindaba ezinhle zokuqashwa, kude nakho. Ngoba empeleni, ngokwezibalo ezenziwa umkhakha wamabhange, kukhonjiswa ukuthi kuzo zonke izisekelo eziyi-100 kukhomba ukuthi iphrimiyamu yengozi iyakhuphuka, cishe imisebenzi eyi-160.000 idaliwe eSpain. Ngakho-ke, ngokugqamisa ubudlelwano obucacile phakathi kweprimiyamu enobungozi obukhulu ne- isizukulwane sokuqashwa ezweni. Njengoba kwenzekile eSpain eminyakeni yamuva nje, lapho le parameter yezomnotho isuke ku-500 yaya ngaphansi kwamaphoyinti ayisisekelo eminyakeni embalwa, njengoba kwenzeka manje.
Amakhredithi amancane futhi abiza kakhulu
Futhi asikwazi ukukhohlwa elinye iqiniso elinokubonakaliswa okubalulekile emphakathini futhi lisuselwa esidingweni sokuzixhasa ngokwaso ezindleleni ezijwayelekile zokumaketha, ngalo mqondo, amabhange kuzofanele khokha imali ethe xaxa ukuze uthole imali futhi leli qiniso lidluliselwa kumsebenzisi ngokushesha. Leli qiniso lisho ukuthi ukunikezwa kolayini bezikweletu kuhamba kancane nokuthi izimo zimbi kakhulu kunamanje. Lokho wukuthi, iklayenti ngeke libe nenye indlela ngaphandle kokukhokha inzalo ephezulu ukuze likwazi ukuzikhokhela. Lokho kusho ukuthi, izingxenye ezimbili zenqubo zizothinteka ngokusobala ngalo mkhuba ku-premium ye-risk.
Ngakolunye uhlangothi, iqiniso lokuthi ukusetshenziswa kuhamba kancane ngamandla amakhulu nakho kubalulekile kakhulu. Kunemali encane ehambayo futhi ngenxa yalokho izimo zezomnotho eziyinhloko zezwe ziyalimala. Kuze kufike kumazinga angaba yingozi kuwo wonke umuntu. Okungukuthi, ukukhula komnotho okuphansi kanye nokusweleka kwemisebenzi njengokunye kokuguquguqukayo okubaluleke kakhulu futhi okubonwa yingxenye enhle yabenzeli bomphakathi. Kuvunguza kabi kakhulu okungenawo amaphuzu amahle, njengoba sikhombisa kule ndatshana.
Imali ifuna ezinye izimakethe
Futhi kungakhohlwa ukuthi lapho lezi zimo zenziwa, imali ishintsha izandla. Lokhu ngokuyisisekelo kusho ukuthi ukugeleza kotshalomali kuzama ukuthola ezinye izimakethe zezezimali ezibanikeza ukuphepha nokuzola okukhulu. Ngokuvamile maqondana nezikwele ezizinzile ngokwengeziwe, ngokwesibonelo isiJalimane noma iNyakatho Melika. Kukhombisa ukuthi imali ngalesi sikhathi ayinalo izwe, kepha ifuna inzuzo yayo, ngaphezu kokunye ukucatshangelwa kobuchwepheshe. Futhi-ke, kulezi zimo akuyona inzuzo engcono kakhulu abangayithola.
Lesi ngesinye isisusa sabatshalizimali abakhulu sokuhambisa imali yabo kwezinye izimakethe zokulingana. Ngengcindezi yokuthengisa entengo yamasheya kusukela ukuntuleka kwabathengi kuthinta lo mkhuba okhethekile ozokwenzeka futhi okhonjwa ngabatshalizimali abancane nabaphakathi. Ngoba akukho kungabaza ukuthi ukuthengwa kungenziwa ngamanani aqondiswe ngokwengeziwe kokuyiqiniso okusha. Ngale kwemihlangano engaba khona ezimakethe zezimali zikazwelonke, ngaphansi kokuqina okuthile noma okunye. Akumangalisi ukuthi kungenye ingozi eyengeziwe abatshalizimali abanayo.