I-Neinor Homes yethule uhlelo lwe- uhlelo olusha lokuthenga amasheya kuze kufike ku-50 million eurosLokhu kuqinisa isu layo lokuphathwa kwezimali endaweni ephawuleka ngokuguquguquka kwezomnotho kanye nokungezwani kwezepolitiki. Lokhu kuthengiselana kuzothinta amasheya afinyelela ezigidini ezintathu, okumele ingxenye enkulu yezimali zonjiniyela abasohlwini.
Ngalesi sinyathelo, inkampani ihlose ukunciphisa imali yesabelo ngokukhululwa kwamasheya esikhwama semali futhi, ngesikhathi esifanayo, bahlangabezane nezibopho ezivela ezinhlelweni zabo zesinxephezelo ezisekelwe kumasheya. Empeleni, lokhu kusho ukwesekwa okuqondile kwe- iholo labanikazi bamasheyanjengoba ukwehla kwamasheya asele kufanele kuholele ekukhuleni kwemali engenayo ngesabelo ngasinye kubatshalizimali bamanje.
Amaphuzu abalulekile ohlelo lokuthenga kabusha oluyizigidi ezingama-50
Ibhodi labaqondisi likaNeinor livumile uhlelo lapho Isamba esiphezulu sokutshalwa kwezimali esabelwe ukubuyiselwa kwemali sifinyelela ku-50 million zama-eurongomkhawulo wamasheya ayizigidi ezintathu okumele atholakale emakethe. Lesi sibalo simelela ingxenye ebalulekile yenhloko-dolobha yenkampani futhi sizosetshenziswa kancane kancane phakathi nesikhathi esibekiwe.
Ngokusho kwesitatimende senkampani ku-CNMV, Amasheya angu-1.350.000 azogcinelwa izinhlelo zokwabiwa kwamasheya ngqo. Lawa masheya ahloselwe abasebenzi, abaphathi, namalungu ezigungu ezibusayo zeNeinor neqembu layo. Amasheya asele atholiwe azosetshenziswa ngokuphelele ukuze kutholakale isaphulelo, okuzofaka isandla ekunciphiseni inani eliphelele lamasheya asakazwayo.
Isakhiwo sohlelo sivumela Inani eliphezulu lamasheya agcine ethengiwe kabusha lingase libe ngaphansi. Labo abayizigidi ezintathu bazolandela imfuneko yokuthi, ngesikhathi sohlelo, inkampani ithenge amanye amasheya ayo ngaphandle kwayo, isibonelo ngokuhweba ngamabhulokhi noma ukuthengiselana ngamasheya amabili ngenhloso efanayo. Kuleso simo, inkampani izibophezele ekwaziseni imakethe ngokufanele.
Ngaphezu kwalokho, uNeinor uveza ukuthi uhlelo luzofuna ukwandisa ukusebenza kahle kokwabiwa kwemaliUkusebenzisa amanani amasheya amanje ngesikhathi lapho amanani emkhakheni wezindlu ezisohlwini engaphansi kwengcindezi yokungaqiniseki kwezomnotho, naphezu kokusebenza okuhle kwebhizinisi lokuthuthukisa.
Imigomo, imibandela kanye nemikhawulo yentengo
Uhlelo olubekwe ngumgqugquzeli luthi Uhlelo lokubuyisela imali luzoqala ukusebenza kusukela mhla zingama-30 kuNdasa kuya kumhla zingama-31 kuZibandlela 2026Kodwa-ke, inkampani igodle ilungelo lokuqeda lesi sipho ngaphambi kwalolo suku uma inani eliphezulu lifinyelelwa noma inani eliphezulu lamasheya litholakala.
Kungaqedwa futhi kusenesikhathi uma kwavela izimo ezingavamile eyaluleka noma eyadinga ukuqeda uhlelo, njengezinguquko zomthetho, ukushintshashintsha okukhulu kwezimo zemakethe, noma izinqumo zamasu ezenziwe yibhodi labaqondisi uqobo.
Ngokuphathelene nezimo zomnotho, imvume enikezwe umhlangano wabanikazi bamasheya jikelele ebhodini yasungulwa ububanzi bentengo yokuthenga amasheya akhoIntengo encane izoba ngaphansi kwenani elijwayelekile lesabelo kanye nentengo yaso eMakethe Eqhubekayo ngesikhathi sokuthenga, yehliswe ngo-30%. Intengo ephezulu izoba intengo yemakethe ekhuphuke ngo-30%.
Lolu hlaka lwamanani luhlose ukuvimbela inkampani ekukhokheni imali eningi kakhulu ngamasheya ayo Ngesikhathi esifanayo, inikeza ukuguquguquka kokusebenza ezimweni ezahlukene zemakethe. Lena indlela evamile ezinhlelweni zokuthenga kabusha amasheya, ehlose ukulinganisela ukuvikelwa kwabanikazi bamasheya kanye nokuguquguquka kokusebenza.
Le nkampani igcizelele ukuthi yonke imisebenzi yokuthenga izokwenziwa ukuhlonipha imithethonqubo esebenzayo kanye nemikhuba yemakethe eyamukelekile, bekwazisa i-CNMV ngezikhathi ezithile ngokuthuthuka kohlelo, inani lamasheya athengisiwe kanye nenani elitshaliwe.
Ukuxhumana nohlelo lokukhokhelwa kwabanikazi bamasheya abayizigidi ezingu-500
Ukunyakaza akukwazi ukuqondwa kukodwa, kodwa ngaphakathi kwe-a isu elibanzi lokukhokhelwa kwabanikazi bamasheya elibiza ama-euro ayizigidi ezingama-500 esikhathini sika-2026-2027, okungukuthi, ama-euro ayizigidi ezingu-250 ngonyaka. Lolu hlelo luhlanganisa kokubili izinkokhelo zemali kanye nokuthengwa kabusha kwamasheya kanye nezinye izindlela zokubuyiselwa kwemali.
Kuze kube manje, uNeinor usevele ibuyisele ama-euro ayizigidi ezingama-92 kubanikazi bamasheya bayo Ngaphakathi kohlaka lwalolu hlelo, ukuhlanganisa izinzuzo kanye namanye amathuluzi okukhokhelwa, ukubuyiselwa kwamasheya okumenyezelwe manje kugcwalisa lezi zinhlelo futhi kuqinisa ukuzibophezela konjiniyela ekukhiqizeni inani esikhathini esiphakathi neside.
Ukuphathwa kwezezimali kugcizelela ukuthi inkampani Inebhalansi eqinile kanye namandla aphezulu okukhiqiza imaliLokhu kuyivumela ukuthi inikele ingxenye enkulu yezinsiza zayo ekuvuzeni abanikazi bamasheya ngaphandle kokufaka engcupheni ukuqaliswa kohlelo lwayo lwebhizinisi noma ukutshalwa kwezimali kumaphrojekthi amasha.
Kulokhu, iphini le-CEO kanye ne-CFO, uJordi Argemí, ukhombisile ukuthi inkampani Ama-euro ayizigidi ezingama-500 abekwe kumnikazi wamasheya phakathi ne-biennium ka-2026-2027 nokuthi le nqubomgomo iyahambisana nokuqhubeka nokukhula emakethe yezindlu zaseSpain, ngenxa yesakhiwo semali esinempilo.
Ukuthengwa kabusha emazingeni okuhweba amanje kuhunyushwa ngaphakathi ngokuthi ithuba lokukhulisa inani lesabeloNjengoba abaphathi bekholelwa ukuthi isitoko asibonisi ngokugcwele izisekelo zebhizinisi, ukuthengiselana kwethulwa njengomsebenzi wokwabiwa kwemali omsulwa esikhundleni samandla.
Umbono wabaphathi: ukushoda kwezindlu kanye nesimo sezepolitiki
I-CEO ye-Neinor Homes uBorja García-Egotxeaga wachaza lesi sinqumo ngaphakathi kwendawo eyinkimbinkimbi yamazwe ngamazwe, lapho I-Geopolitics ishintsha ukugeleza kwemali kanye nokudala izigameko zokuguquguquka ezimakethe zezimali. Naphezu kwalokhu, umphathi ugcizelela ukuthi ibhizinisi lezindlu eSpain ligcina izisekelo eziqinile.
UGarcía-Egotxeaga ugcizelela ukuthi ukushoda kwezindlu ezakhiwe eSpainIkakhulukazi ezindaweni ezinkulu zamadolobha kanye nezindawo ezidinga kakhulu, isimo asigcini nje ngokungalungiswa, kodwa empeleni siya siba sibi kakhulu. Ngokombono wakhe, inkampani yakha iphrojekthi enomthelela othatha iminyaka engaphezu kweyishumi, ithembele kulesi sidingo esifihliwe.
I-CEO ikhumbula ukuthi uNeinor usevele unqobe ngempumelelo ezinye izikhathi ezinzima, njengonyaka ka-2021 no-2022, ophawulwe yi- ukungezwani kochungechunge lokuhlinzeka okubangelwa ubhubhane, ukwanda kwezindleko zamandla ngemva kokugqashuka kwempi e-Ukraine kanye nokwenyuka kwezinga lenzalo okwalandela.
Kulowo mongo, abaphathi bagcizelela ukuthi inkampani ibonisile ukuzivumelanisa nezimo ezindaweni ezinezinselele namathuba ahambisanayo, ukugcina ukugxila ekusebenzeni kanye nokukhiqiza inani elihlala njalo kumnikazi wamasheya.
Ngakolunye uhlangothi, uJordi Argemí ugcizelela ukuthi ukwethulwa okuhlelelwe isikhathi sika-2026-2028 Basevele benayo iphothifoliyo eqinile ngaphambi kokuthengisa.Lokhu kunikeza umbono ngemithombo yemali engenayo yesikhathi esizayo futhi kunciphisa ingozi yentuthuko entsha, naphezu kokuguquguquka komnotho omkhulu.
Isimo sebhizinisi: ibhange lomhlaba, ukuthengisa kwangaphambili kanye nemali engenayo
Uhlelo lokuthenga kabusha amasheya lusekelwa yisimo sikaNeinor sezimboni kanye nezezimali. Kusukela ekupheleni kuka-2025, unjiniyela wayene- ibhange lomhlaba elikwazi ukwamukela izindlu ezingaba ngu-24.200 ezimakethe ezinesidingo esikhulu kakhulu, njenge-Community of Madrid, i-Andalusia, indawo yaseLevante, i-Basque Country kanye ne-Catalonia.
Inani eliphelele lalezo zimpahla (i-GAV) lidlule 3.000 million euroLokhu kubeka inkampani phakathi kwabadlali abakhulu emkhakheni wezindlu eSpain. Le portfolio yomhlaba, ethengwe ngamanani amahle ngokusho kwenkampani, isekela uhlelo lwayo lwebhizinisi lweminyaka ezayo.
Emkhakheni wezentengiselwano, uNeinor waphatha ngonyaka wezimali odlule incwadi yokuthengisa yangaphambi kokuthengiswa kwezindlu ezingaphezu kuka-3.500ezimele imali engenayo engaphezu kwezigidigidi eziyi-€1.200 esikhathini esizayo esivele sibekwe eceleni. Le phothifoliyo inikeza isisekelo semali engenayo esingabikezelwa esikhathini esimaphakathi.
Phakathi no-2025, umgqugquzeli Yaletha futhi yabhalisa izindlu ezingaba ngu-2.900Lokhu kusho ukwanda konyaka nonyaka cishe ngo-21%, uma kuqhathaniswa namayunithi angu-2.397 ngonyaka odlule. Kuleli nani eliphelele, izindlu ezingaba ngu-1.900 zivela ku-portfolio kaNeinor, futhi ezingaba ngu-1.000 zadluliselwa ebhizinisini layo lokuphatha izimpahla kubantu besithathu.
Ngesikhathi esifanayo, inkampani yakhiqiza cishe ama-euro ayizigidi ezingama-700 ngenzuzo iyonke, ngaleyo ndlela kuhlanganiswa indlela yokukhula esekelwa yibhizinisi lentuthuko yendabuko kanye nemisebenzi yokuphatha kanye nenkonzo exhunywe emkhakheni wezindlu.
Umthelela wezezimali kanye nokuqinisa ngemuva kokuhlanganiswa kwe-Aedas Homes
Ngasohlangothini lwezezimali, uNeinor uvale unyaka nge inzuzo ehlanganisiwe ye-euro eyizigidi ezingu-122Lokhu kulandela ukuthengwa kwe-79,2% yesabelo se-Aedas Homes. Lo msebenzi umele intuthuko ebalulekile yenkampani emakethe yokuthuthukiswa kwezindlu yaseSpain.
Le nkampani ikhombisile ukuthi ukufakwa kwe-Aedas Kuzoba nomthelela omuhle kanye kuphela, hhayi wemali enzuzweni ehlanzekile uma kuqhathaniswa nama-euro ayizigidi ezingu-65 abikezelwe ohlelweni lwayo lwamanje lwesu kuze kube ngu-2027. Lokhu kuhlanganiswa kuhlose ukusizakala ngokusebenzisana kokusebenza, ukuhlukahluka okukhulu kwezindawo kanye nokuqina kwebhange lomhlaba.
Ngenxa yalesi simo, abaphathi bakholelwa ukuthi Ukuthengwa kabusha kwamasheya kuhambisana nokugcina iphrofayili yezezimali ehlakaniphile.isekelwa yibhalansi eqinile kanye namandla aqinile okukhiqiza imali, lokhu kuyivumela ukuthi iqhubeke nokutshala imali ezintuthukweni ezintsha ngenkathi inikeza inzuzo enkulu kubanikazi bamasheya.
Le nkampani igcizelela ukuthi inhlanganisela yebhange elikhulu lomhlaba, ipayipi eliqinile langaphambi kokuthengisa, kanye nepayipi lokulethwa elikhulayo inikeza ukubonakala kwemiphumela yesikhathi esizayoLokhu kubalulekile uma kuvunyelwa isinqumo sokwabela izinsiza zokuthenga kabusha amasheya akho.
Uma kuhlangene, ukusebenza kokubuyisela impahla okufika ku-€50 million, ukuhlanganiswa kwayo ngaphakathi kohlelo lwe-€500 million lweminyaka yezimali ka-2026-2027, kanye nezisekelo eziqinile zebhizinisi lezindlu likaNeinor kudala isimo lapho inkampani ifuna khona. ukulinganisela ukukhula, ukuziphatha kahle kwezezimali kanye nokubuyiselwa kwabanikazi bamasheya, besebenzisa ithuba lokuntuleka kwezindlu eSpain kanye nesimo sayo esiqinile ngemva kokuhlanganiswa kwe-Aedas Homes.
