I-Banca March ithathe isinyathelo emjahweni wokonga imali ngendlela ehlelekile futhi inqume ukuthuthukisa iholo layo Idiphozithi Eguquguqukayo ye-Avantio yezinyanga eziyi-12manje ezonikeza i-APR engu-2,50% kumakhasimende amasha asebenzisa iziteshi zayo zedijithali. Lokhu kubuyekezwa okuphezulu kuza endaweni lapho izikhungo zezimali ziqhubeka nokusebenzisa i- idiphozi njengethuluzi lokuheha imali engenayo eSpain.
Ngakho-ke inhlangano yeBalearic iqinisa ukunikezwa kwayo kumakhasimende aku-inthanethi, ihlanganisa idiphozithi yesikhathi esinqunyiwe enokuguquguquka okuthile futhi a i-akhawunti ehambisanayo enomthelela wenzaloLesi sinyathelo siza ngemuva kokuba umkhiqizo ofanayo usuvele unyuse izinga lenzalo yawo laya ku-2,30% APR ngoFebhuwari odlule, okubonisa isu eliqhubekayo lokuthuthukisa izimo zamaphrofayili ahlakaniphile afuna inzuzo elula.
Izinga lenzalo elisha lika-2,50% APR kanye nesikhathi senkontileka
Idiphozithi eguquguqukayo ye-Avantio evela eBanca March manje inikeza Inzuzo ye-APR engu-2,50% ngaphezu konyaka owodwauma nje imali igcinwa isikhathi esimisiwe sezinyanga ezingu-12. Lona umkhiqizo ogxile kuphela amakhasimende amasha edijithali, okumele baqinisekise inkontileka ngeziteshi ze-inthanethi zenhlangano.
Ngokusho kwebhange, idiphozithi ingatholakala Kuze kube ngumhla ka-30 Ephreli (noma kuze kube sekupheleni kwenyanga, ngokusho kokuxhumana okuhlukahlukene kwangaphakathi), okunikeza ithuba elilinganiselwe kulabo abacabanga ukuhambisa imali yabo egciniwe. Lolu suku lokuphela komkhankaso lubeka lesi sipho ngaphakathi kwamasu ajwayelekile okuqoqa imali esikhathi esinqunyiwe avamile emakethe yaseSpain.
Ukwenyuka kwe-APR kufike ku-2,50% kuza ngemuva kokwenyuka kwe-APR kwangaphambilini okungu-2,30% ngoFebhuwari, okusho ukuthi umkhiqizo ubulokhu ukhanga ezinyangeni zakamuva. Ngale ntuthuko yakamuva, iBanca March ihlose ukuzibeka endaweni yokuncintisana uma kuqhathaniswa nezinye izinhlangano eziqinisa amadiphozithi azo avamile esimweni samazinga enzalo afanele.
Inani eliphansi neliphezulu: kusuka kuma-euro angu-30.000 kuya ku-300.000
I-Avantio Flexible Deposit yenzelwe abagcini bemali abanenani elithile lempahla, njengoba idinga utshalomali oluncane lwama-euro angu-30.000 ngeklayenti ngalinyeLesi sithiyo sokungena asibandakanyi amanani amancane, kodwa sivumela ukuthi lesi sipho sigxile kumakhasimende anekhono lokonga eliphakathi neliphezulu.
Phezulu, umkhawulo ophezulu utholakala ku- Ama-euro angu-300.000 ngomnikazi ngamunyeLokhu kusho ukuthi, uma inani eliphezulu ligcinwa izinyanga eziyi-12, imbuyiselo iyonke izofinyelela cishe ku-€7.500 ekuvuthweni, njalo ngaphambi kosuku olufanayo. intela ku-Personal Income Tax (IRPF).
Lolu hlu oluphakathi kwama-euro angu-30.000 no-300.000 luhambisana nomgomo wenhlangano wokuhlosa amaphrofayili alondolozayo anenani elithile lokongaLaba ngabantu abafuna imbuyiselo ecacile ngaphandle kokucabanga ngengozi yemakethe noma imikhiqizo eyinkimbinkimbi. Njengoba kuyidiphozithi yasebhange, imali imbozwe kuze kufike emikhawulweni yeSikhwama Sesiqinisekiso Sediphozithi saseSpain, njengakuzo zonke ezinye izinhlangano eziqondisiwe.
Iqiniso lokuthi umkhiqizo uhloselwe amakhasimende edijithali alishintshi ingqikithi yawo: uyinto idiphozithi yesikhathi esinqunyiwe yakudalakodwa ngenzuzo yokukwazi ukwenza yonke imisebenzi online, ngaphandle kwesidingo sokuya ehhovisi ngokoqobo.
Ukukhansela kusenesikhathi kanye nokubuya kwe-APR engu-1,51%
Esinye sezici ezivelele kakhulu zalo mkhiqizo ukuguquguquka kwawo. Nakuba izinga lephesenti lonyaka elikhangisiwe (i-APR) elingu-2,50% lihlotshaniswa nokugcina imali itshaliwe izinyanga eziyi-12, I-Banca March ivumela ukukhanselwa kusenesikhathi nganoma yisiphi isikhathi, ngokubuyiselwa kwemali okugcwele.
Uma kwenzeka ukukhanselwa kusenesikhathi, idiphozithi izoqongelela inzalo ku- I-APR engu-1,51% esikhathini ebisebenza ngasoNgale ndlela, iklayenti alilahlekelwa yinzalo eqongelelekile, yize lokhu kuzoba ngaphansi kwalokho uma utshalomali belubanjwe kuze kube yilapho seluvuthiwe. Lesi sici sinikeza isivikelo sezimali ezimweni ezingalindelekile, ngaphandle kwezijeziso kumuntu oyinhloko.
Ithuba lokuthola imali engu-100% nganoma yisiphi isikhathi, kanye nokubuyiselwa kwemali okuchazwe kusengaphambili ngisho noma kwenzeka ukukhanselwa, kwenza i-Avantio Flexible Deposit ibe inketho eyenzelwe labo Abafuni ukubopha imali yabo ngokuphelele.Kodwa bafuna intengo ekhangayo kuyilapho bengadingi imali mboleko.
Le ndlela ihambisana nephrofayili yabaningi abasindisa imali baseSpain, abakhetha imikhiqizo elula enemithetho ecacile futhi engenazo izimanga, ngokungafani nezinye izindlela eziguquguqukayo noma okunzima ukuziqonda. Ngesikhathi esifanayo, iBanca March iqinisekisa ukusimama kokunikezwa ngokulungisa izinga lenzalo uma kwenzeka kukhanselwa kusenesikhathi.
I-Akhawunti ye-Avantio eku-inthanethi: isidingo kanye nokugcwalisa idiphozithi
Ukuze ufinyelele i-Avantio Flexible Deposit, kubalulekile Vula i-Akhawunti ye-Avantio eku-inthanethiUmkhiqizo wedijithali we-Banca March uhloselwe amakhasimende amasha. Le akhawunti isebenza njengendawo yokungena ohlelweni lwe-inthanethi lwebhange futhi iyimfuneko yokwenza idiphozithi.
I-Akhawunti ye-Avantio yethulwa njenge-akhawunti yamanje engenazo izimali zokulungisa noma zokusebenzaLokhu kusho ukuthi azikho izimali eziphindaphindayo zokugcina i-akhawunti noma ukuthengiselana okuvamile. Ngaphezu kwalokho, ibhange lifaka ikhadi ledebithi lamahhala kanye nokusekelwa okuvela kumphathi womuntu siqu okude, ozinikele ekuphenduleni imibuzo nasekusizeni amakhasimende ebuhlotsheni bawo nebhange.
Esinye sezici ezibaluleke kakhulu zale akhawunti yinzalo yayo. Uma iklayenti ukuhlala ehhovisi lomholo noma impesheniI-akhawunti inikeza i-APR engu-2,02% kumabhalansi afinyelela ku-€60.000. Leli nani lenza i-akhawunti ibe yinto ekhangayo ehambisana nediphozithi yesikhathi esinqunyiwe, njengoba ikuvumela ukuthi uqhubeke uthola imali ngenkathi usebenzisa i-APR engu-2,50% enikezwa yidiphozithi yesikhathi esinqunyiwe.
Ezimweni lapho kungekho khona idiphozithi eqondile yemali engenayo ejwayelekile, i-Akhawunti ye-Avantio iphinde inikeze Imbuyiselo ye-APR engu-1% Ngokuphathelene nebhalansi, lokhu kuyintuthuko enkulu kune-akhawunti yamanje yendabuko engakhokhi nzalo noma inani elincane kuphela. Ngakho-ke, umkhiqizo ufanelekile kulabo abafisa ukuhlanganisa amabhange abo nesikhungo kanye nalabo abadinga nje i-akhawunti yokusekelayo yamadiphozithi.
Okunikezwayo kugxile kumakhasimende edijithali nangokwesiko
Ukuhlanganiswa kwe-Akhawunti ye-Avantio ne-Flexible Deposit yezinyanga ezingu-12 kubonisa ukuzibophezela kweBanca March ku- ikhasimende ledijithali elinephrofayili elondolozayoYonke inqubo yokubhalisa kanye neyokwenza inkontileka yenziwa ngeziteshi eziku-inthanethi, ngaphandle kwesidingo sokuvakashela igatsha, eliphendula ekushintsheni kwemikhuba yabasebenzisi abaningi abakhetha ukuphatha izimali zabo kude.
Iphrofayela inhlangano eqondisa kuyo eyomlondolozi obeka phambili izinto ezibalulekile ukuzinza nokubikezelaEsikhundleni sokufuna inzuzo ephezulu kakhulu ngezindleko zokuthatha ingozi enkulu, ukucaca kwemigomo, ukusekelwa yibhange elivamile, kanye nokuvikelwa kweSikhwama Sesiqinisekiso Sediphozithi kufaneleka kahle kulesi sigaba.
Esimweni samanje somkhakha wezezimali waseSpain, lapho izinhlangano eziningana zincintisana khona ukuheha amadiphozithi ngamadiphozithi esikhathi esinqunyiwe, isiphakamiso seBanca March sizibeka njengenye inketho ngaphakathi kwalolo hlu, kodwa ngomqondo we... ukuguquguquka ekukhanseleni kanye nenzalo ku-akhawunti ehlobene. Akuyona umkhiqizo onolaka kakhulu emakethe kuzo zonke izimo, kodwa kuyindlela elinganiselayo kulabo ababeka ukuphepha phambili.
Ngaphezu kwalokho, iqiniso lokuthi lesi sipho sinomkhawulo wokugcina wokusebenzisa lesi sipho linezela umuzwa wamathuba kulabo abanentshisekelo, yize kunconywa ukuthi iklayenti ngalinye lihlole ngokuthula izidingo zalo zokukhokha futhi liqhathanise nezinye izindlela ezitholakalayo ngaphambi kokwenza isinqumo.
Umthengisi kaMashi: ukufinyelela ekutshalweni kwezimali endaweni efanayo
Ngale kwama-akhawunti okufaka imali kanye nokonga, amakhasimende ajoyina uhlelo lwe-Avantio nawo anokufinyelela ku- Umthengisi kaMashi, ipulatifomu yokutshalwa kwezimali kusukela ku-Banca March. Leli thuluzi likuvumela ukuthi uhwebe ngamathuluzi ezezimali angaphezu kuka-30.000, okuhlanganisa amasheya, izimali zokutshalwa kwezimali kanye nama-ETF avela ezimakethe ezahlukene zomhlaba wonke.
Ipulatifomu inikeza izingcaphuno zesikhathi sangempela ze Izimakethe zaseSpain naseMelikaNgaphezu kwamathuluzi okulandelela nokuhlaziya kulabo abafisa ukwengeza idiphozithi yabo ngamanye amasu okutshala imali, umgomo uwukuba abasebenzisi bakwazi ukuphatha ukonga nokutshalwa kwezimali ngaphakathi kwendawo efanayo yedijithali.
Kanye nezici zokusebenza, amakhasimende asekelwa yithimba labahlaziyi beBanca March, abalungiselela imibiko yemakethe futhi banikeze ulwazi ukuze kube lula ukwenza izinqumo. Ngale ndlela, ibhange lifuna ukwandisa ukuzibandakanya kwamakhasimende nebhange ledijithali, libanikeza ithuba. Ukunikezwa okuphelele okuhlanganisa uketshezi, ukonga okunenzalo, kanye nokutshalwa kwezimali.
Le ndlela ihambisana nomkhuba wemboni oqonde kumamodeli ahlanganisiwe, lapho amabhange engagcini nje ngokuncintisana ngamadiphozithi avamile, kodwa futhi azama ukugcina amakhasimende ngezinsizakalo ezengeziwe zenani, ikakhulukazi esiteshini se-inthanethi.
Ngokuthuthuka kwe-Avantio Flexible Deposit ibe yi-2,50% APR, iBanca March iqinisa ukuba khona kwayo esigabeni sokonga esilondolozayo sedijithali, iveza isiphakamiso esihlanganisa i- Idiphozithi yesikhathi esinqunyiwe eguquguqukayo, i-akhawunti engenakhomishini futhi ethwala inzalokanye nokufinyelela epulatifomu yokutshalwa kwezimali ephelele. Kwabongi baseSpain ababeka phambili ukuphepha kodwa abangafuni ukudela inzuzo ethile kulesi simo samanje, le sethi yemikhiqizo iziveza njengenye indlela okufanele icatshangelwe ngaphakathi kwezinketho ezitholakalayo.
