Lona omunye wemibuzo ebaluleke kakhulu ebuzwa ngabatshalizimali abancane nabaphakathi njengamanje. Badidekile ngokuntuleka kokwehla okukhulu kuze kube manje. Inkomba yokulinganisa yamasheya aseSpain, i-Ibex 35, ibilokhu ihweba phakathi kwamaphuzu angu-9.000 no-9.500 izinyanga eziningana , ngaphandle kokuphambuka okukhulu kulezi zigaba zamanani, okubangela ukukhungatheka phakathi kwabatshalizimali bezitolo.
Kulesi simo, kunzima kakhulu ukwenza imisebenzi ngeziqinisekiso ezithile zempumelelo njengoba bengazi nokuthi ukwehla komnotho okwenzakalayo osekuhleli, okungenani izinyanga ezimbalwa, kwehlisiwe. Kulesi simo esinzima, kuyinto ejwayelekile ukuthi umtshali-zimali ngezikhathi ezithile akacaci kahle ukuthi enzeni, noma yiziphi izindlela zokutshala imali azisebenzisayo kulezi zinsuku. Ngokunqunta okungakaze kubonwe iminyaka ethile.
Ngakolunye uhlangothi, kubalulekile futhi ukukhetha izimpahla zezimali ezizokwakha iphothifoliyo yethu yokutshalwa kwezimali elandelayo. Lokhu kuveza inkinga engapheli yokuthi ukhethe amasheya anolaka kakhulu noma, ngokuphambene nalokho, ukuthi isinqumo esihle kakhulu sisekukhetheni izinketho zokuzivikela noma zokulondoloza. Lokhu kungenxa yengxenye yomthelela ongaba khona wokwehla komnotho ezimakethe zamasheya, lapho noma yiliphi iphutha lakho lingaba nemiphumela emibi ezithakazelweni zakho zomuntu siqu.
Imiphumela yokwehla kwamandla emakethe yamasheya
Into eyodwa icacile: imakethe yamasheya yaseSpain ihweba ngamazinga afanayo naseminyakeni emihlanu edlule. Lokho kusho ukuthi, ayikafiki ezingeni, kodwa futhi ayikafiki ezingeni. Kuyiqiniso ukuthi ezinyangeni ezimbalwa ezedlule, izimakethe zamasheya ziye zabiza kakhulu ekufikeni komnotho omusha. Kodwa-ke, umehluko uwukuthi kukhona uketshezi oluningi kakhulu kunakwezinye izimo ezifanayo, ngenxa yezinyathelo zokukhuthaza ezisetshenziswe yizikhungo ze-EU, ezibe nomthelela omuhle kakhulu ezimakethe zamasheya.
Kusukela kulo mbono, akunakwenzeka ukuthi imakethe yamasheya izokwehla kakhulu kusukela emazingeni amanje. Eqinisweni, kungenzeka ukusungula izikhundla zesikhathi esimaphakathi neside, kanye namathuba ebhizinisi angakhanga kakhulu avelayo njengamanje. Amanani okwamanje aqinile kakhulu kwamanye amasheya e-Ibex 35, okwenza kube izinketho ezikhangayo kubatshalizimali abancane nabaphakathi, njengoba kunconywe abanye babahlaziyi abaphambili emakethe.
Kukhona ukukhuluma ngendlela yokuphuma komnotho
Kunoma ikuphi, eminye imibiko yezomnotho isivele ibikezela usuku lokuphela kokwehla komnotho, futhi lolo suku lungo-2021. Kusukela kulo mbono, izimakethe zamasheya zibikezela izimo zomnotho . Ngokombono, njengoba kungukwehla komnotho okuphansi, bekungeke kumangaze uma ngonyaka ozayo ubona ukwenyuka okukhulu. Ngakho-ke lokhu kuzoletha ithuba kubatshalizimali abanolaka kakhulu, ikakhulukazi labo abahweba ngamasheya aseSpain athengiswa ngokweqile njengamanje.
Ngakolunye uhlangothi, kubalulekile futhi ukukhumbula ukuthi esinye sezihluthulelo zokugwema ukwehla kwamasheya aseSpain ukugcina izinga lamaphuzu angu-8.500 ngazo zonke izindleko . Uma nje intengo ihlala ingaphezu kwaleli zinga, singaba nokuzola okuncane kunoma yimuphi umbono, ngaphandle kokuhweba kwesikhashana. Kunoma ikuphi, kungenzeka ukuvula izikhundla emakethe yamasheya usebenzisa amasu aphakathi kakhulu kunangaphambili, ukuze amazinga enzuzo akhushulwe kusukela kuleli phuzu kuya phambili.
Hlukanisa izimpahla ezehlukene zezezimali
Ngakolunye uhlangothi, kuhlale kukhona inketho yokuhlanganisa izimpahla zezimali ezahlukahlukene njengendlela yokugcina imali, ukubeka lokhu phambili kunezicabango zobuchwepheshe. Ngale ndlela, enye yezindlela ezintsha zokutshala imali isekelwe ekukhetheni eminye imikhiqizo ehambisana nokutshalwa kwezimali okuyinhloko kumasheya. Kusukela kulesi sisekelo, noma yiliphi isu lingasetshenziswa ukukhiqiza imbuyiselo yokonga okuvela ekuthengisweni kwemakethe yesitoko.
Ukutshalwa kwezimali kungahlukahluka ngezimali zokutshalwa kwezimali kanye namadiphozithi asebhange esikhathi esinqunyiwe. Lokhu kwenzelwa ukugwema ukufaka yonke imali yakho egciniwe kuphothifoliyo eyodwa bese ulahlekelwa yingxenye enkulu yemali yakho oyitshalile. Ngempela, lokhu kuwumkhuba ovamile phakathi kwabatshalizimali abanolwazi.
Izindinganiso ezingaletha injabulo
Esinye sezitoko zaseSpain esingaba nenzuzo enkulu phakathi nalesi sikhathi yiMapfre , elinde ukuthi intengo yayo yamasheya ifinyelele ku-€3 futhi cishe izokwenza lokho maduze noma kamuva. Nakuba ukwehla kwentengo kungase kwenzeke ngezikhathi ezithile zonyaka ngenxa yokuguquguquka kwezimakethe zamasheya, iMapfre inikeza inzuzo eyengeziwe yenzuzo yesabelo esiphakathi kwezikhangayo kakhulu ezitholakalayo njengamanje. Njengoba inesilinganiso senzuzo yonyaka esingaphezu nje kuka-6%, ingenye yeziphezulu kakhulu ku-Ibex 35, inkomba yokulinganisa yamasheya aseSpain.
Nakuba isu lokutshala imali lisekelwe kulokho okungenzeka ngeSolaria kusukela manje kuya phambili , kungenxa yokuthi linikeza amandla okukhulisa angase abe mnandi, okwenza kube kuhle ukuthatha izikhundla kulokhu kutshalwa kwezimali, okuthi, ngakolunye uhlangothi, kube nengozi enkulu. Naphezu kwalokhu, kubonakala sengathi lizonikeza abatshalizimali imbuyiselo ebalulekile esikhathini esifushane nesiphakathi. Kodwa-ke, lifaneleka kakhulu ngeminikelo yemali ephansi kakhulu kunezinye izinketho ngenxa yezingozi zalo eziphakeme kancane, ngenhloso yokwandisa amathuba enzuzo kusukela manje kuya phambili.
Uma ukwakheka kukahulumeni kubhaliwe
Ngokuphambene nalokho, uma ukwakhiwa kukahulumeni ongase akhiwe ezweni lethu kunomthelela. Ukuthi kuleli sonto i-Ibex 35 yehle isuka kumaphoyinti angama-9400 yaya kumaphoyinti angama-9000 lapho ivalwe khona ngoLwesihlanu. Lapho okuthinteke kakhulu kube umkhakha wamabhange oholele ekulahlekelweni emakethe yezimali kazwelonke. Ngokuncipha kwansuku zonke ngaphezu kwe-2% kwezinye izimo ezifana neBankia esondela ku-5%. Ukunyakaza okuyingozi kakhulu kwezintshisekelo zabatshalizimali abancane nabaphakathi. Akumangalisi ukuthi ukwesekwa okuningi kwephuliwe obekubalulekile ngokukhethekile ukugcina umkhuba obheke phezulu abebecwiliswe kuwo ezinyangeni ezedlule.
Lezi yizindaba ezingathathwanga kahle kakhulu ngabenzeli abehlukene ezimakethe zezimali. Ukuthi ezimweni eziningi bakhethe ukuhlehlisa izikhundla zabo ukuze babuyele kwisikweletu ku-akhawunti yabo yokonga ngaphambi kokungenzeka kusukela manje kuqhubeke. Lapho izibikezelo zingavumi kakhulu ukungena ezimakethe zezimali, njengoba sekubonile kulezi zinsuku ngakho-ke okunamandla emakethe yamasheya ezweni lethu. Okusho ukuthi, izinto azibukeki zizinhle kakhulu ukuze ezinsukwini ezizayo wenze izikhundla zakho zizuze ngalezi zindlela zokutshala imali. Uma kungenjalo, kuzoncika ngokweqile ekutheni izimpendulo zizoqhubeka nokuba njani ezigcawini zikazwelonke. Yize konke kubonakala kukhombisa ukuthi lo mkhuba ungafana naleli sonto esisele nalo.
Imikhakha eminingi yokuzivikela emakethe yamasheya
Kunoma ikuphi, kufanele kuqashelwe ukuthi isimo somhlaba wonke siyaqhubeka nokuba nenhle kakhulu kubatshalizimali. Kuze kube sezingeni lokuthi izimali zaseMelika ziphinde zakwazi ukwephula ezinye izikhathi eziphakeme. Yize bonke abatshalizimali abancane nabaphakathi besazi isikhathi lapho ukulungiswa kwenzeka ngoba akunakukhohlakala ukuthi bangaba nodlame kakhulu ngenxa yokuma kokwenyuka kwangaphambilini. Lapho ukuqapha kufanele kube yisikhali esikhulu esisetshenziswa ngabasebenzisi besitoko. Ngaphezu kwamasu wokutshala imali anolaka kakhulu, kepha axhumene kakhulu nokusebenza kobungozi obuphakeme kunamanje.
Eminye yale mikhakha, okumangaze iningi labasebenzisi, iyazivikela kepha lokho phela kukhombisile ukubuyela emuva emasontweni adlule. Kubaluleke njengokuhlola ukuphuma ezimakethe zezimali. Ngoba bangasenza sibe nzima isimo sakho ezinsukwini ezizayo ngakho-ke ukuba khona kwakho akulungile. Hhayi ngeze, kufanele sicabange ukuthi kukhona okuningi esingakulahla kunokuwina. Lokho, hhayi iziphakamiso ezizuzisayo kusukela ekubukeni kwenzuzo. Uma kungenjalo, ngokuphambene nalokho, bangakhomba izingozi ezithile okufanele bazigweme.