Omunye wemikhakha esebenza kabi kakhulu kulo nyaka ezimakethe zokulingana ngokungangabazeki umkhakha wamabhange. Ithula ubuthakathaka obedlulele futhi kuze kube seqophelweni lokuthi ibona ukuthi amanani alo alungiswa kanjani ngaphansi kwabambalwa Amanani aphansi kakhulu. Lapho izincomo zabalamuli bezezimali zicace bha kuwo wonke amaphrofayili wabatshalizimali: thengisa izikhundla kulawa manani abaluleke kakhulu esikhathini esizayo semakethe yamasheya. Kokubili ezimakethe zikazwelonke nangaphandle kwemingcele yethu.
Ukuphepha komkhakha wamabhange ngokungangabazeki kube yikhona okushayeke kakhulu ezimalini zikazwelonke ngezizathu ezahlukahlukene. Esinye sazo isinqumo se- I-European Central Bank (ECB) yokunganyusi amanani entengo endaweni ye-euro futhi okuholele ekutheni izinzuzo zamabhange zehle ngalesi sikhathi. Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi umjikelezo wezomnotho awuhambisani neze nokuziphatha kwawo njengokwanelisa ukwedlula konke. Ngochungechunge lwemibuzo manje esevulelekile kubatshalizimali abancane nabaphakathi ngokuthi kungakuhle yini ukuthi kuvulwe izikhundla kulo mkhakha.
Ngalesi simo jikelele, elinye lamasu angcono kakhulu angasetshenziswa kusukela manje ukwehlisa izikhundla zabo kulo mkhakha engxenyeni yokugcina yonyaka. Ukuze ungazivezi ekuweni okuningi ezimakethe zezimali, okuwumkhuba, gxila kulo mzuzu oqondile. Lapho kunengozi yamanani abo ehla kakhulu uma kuqhathaniswa nezintengo zamanje. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo. Abancane kuzofanele babalwe ukuvikela imali emiselwe ukutshalwa kwezimali.
Umkhakha webhange: ngokusikeka okungu-50%
Zonke izinhlangano zezezimali, ngaphandle kwanoma yiluphi uhlobo, zikubonile ukuthi ezinyangeni eziyi-12 ezedlule zehle kanjani ngamandla amakhulu. Kufika ezingeni lokuthi ukulinganiswa kwabo kwehliswe kuze kufike kuma-50%. I- Santander asisekho ekubeni ebiza cishe ama-euro angama-6 ngesabelo ngasinye ukuba ngaphansi kwezinga lama-euro ama-4. Ngenkathi kunalokho, iBanca Sabadell isivele ihweba ngaphansi kweyunithi elilodwa le-euro. Futhi kunjalo ngawo wonke amabhange abhalwe ohlwini lwezimali zaseSpain. Ku-downtrend ngayo yonke imigomo: emfushane, ephakathi nendawo ende. Ngaphandle kwalesi sikhathi kunezimpawu zokuthi le nhlangano ebheke phansi imile.
Ngakolunye uhlangothi, umkhakha wesitoko osengozini enkulu ezinqumweni zemali ngaphakathi kwendawo ye-euro. Hhayi kuphela emabhange aseSpain kepha kulawo ezwekazi lonke laseYurophu abone ukuthi ingcindezi yokuthengisa icindezelwa kanjani ngokucacile kumthengi. Kuze kube seqophelweni lokuthi amabhange ahola ukulahleka ezikhathini eziningi zokuhweba. Ngokwehla okunodlame kakhulu nokuthi ezimweni eziningi yeqa amazinga ka-2% noma no-3%. Lapho izandla eziqinile zemakethe ziphuma kulezi zikhundla ngokushesha okukhulu ukuya ngasezimisweni zokuphepha eziphephile.
Esimweni esithengisiwe
Lokhu kwehla kuzilungiselelo zabo zamanani kwenze ukuthi izinga elingaphezulu kakhulu ngokweqile futhi lingavamile. Kuze kube seqophelweni lokuthi abanye abatshalizimali abancane nabaphakathi bacabanga ukuvula izikhundla ngenxa yamanani aphansi lapho ukuphepha komkhakha wamabhange kuhweba ngalo mzuzu onembile. Kepha qaphela kakhulu ukusetshenziswa kwaleli su eliyingozi ekutshalweni kwemali ngoba namanje banendlela ende ezansi ngenxa yesimo somnotho esikhona njengamanje. Lapho, uma uvula izikhundla, usengashiya ama-euro amaningi endleleni futhi lokhu kuyinto okufanele uyigweme ngaphezu kwezinye izinhlobo zokucatshangelwa. Ubungozi busephezulu kakhulu futhi kulokhu akukho okushintshile ngalezi ziphakamiso zezimali zikazwelonke.
Ngenkathi ngakolunye uhlangothi, ungakhohlwa ukuthi lezi zinkampani ezibalwe kwezinye izimo zikhona Ekwindla kwamahhala. Izibalo ezimbi kakhulu abanazo ekuhlaziyweni kwabo kwezobuchwepheshe njengoba bengenazo izisekelo ezifanele ngaphambili futhi bangenza ngcono ukwehla, okungenani esikhathini esifushane. Kuhlala kungcono njalo ukuthi uye kwamanye amasheya anesici esingcono sobuchwepheshe esimema ukuthenga okukhethiwe emakethe yamasheya. Isibonelo, abamele umkhakha kagesi abasebenza njengesiphephelo kuwo wonke amaphrofayili wabatshalizimali. Ngaphezu kwalokho, banesivuno sesabelo semali esiseduze no-6% ngokukhokha okungaguquki konyaka minyaka yonke.
Ingozi yokwenza isimo sibe sibi kakhulu
Enye inkinga ehambisana nokuvikeleka kwezinkontileka emkhakheni wamabhange ukuthi isimo sabo singase sibe sibi ngasekupheleni konyaka. Ngakho-ke, isu elihle kakhulu ongalithatha ngalesi sikhathi ukulinda ushintsho esinqumweni se-European Central Bank. Ngomqondo wokwenza umqondo wakho khuphula amanani enzalo kulindeleke kwikota yokuqala yonyaka ozayo. Kuzoba yisikhathi sokubuyela kulo mkhakha obaluleke kakhulu ngaphakathi kwezimali zaseSpain. Ukuze ukwazi ukwenza imisebenzi ibe nenzuzo lapho kukhuphuka amanani abo.
Yebo yebo, ingaba namandla wokubuyekeza aphawuleka kakhulu nangaphezulu kwaleyo eminye imikhakha yesitoko. Kepha okwamanje kungcono ukugwema noma yikuphi ukunyakaza okunalawa manani ngaphambi kokungenzeka ngokulandelayo. Ngoba impela, ubungozi ekusebenzeni bukhulu kakhulu futhi akufanelekile ukubeka engcupheni imali yakho etholakalayo ukuze utshale imali. Uma kungenjalo, kunalokho, unezinye izindlela ezizuzisa kakhulu okwamanje. Hhayi kuphela kumasheya, kepha futhi nakwezimali eziholile. Okusho ukuthi ukutshala imali imayelana nokuphela kosuku. Ngakho-ke, ukuvikeleka komkhakha wamabhange kufanele kugwenywe kulezi zinsuku.