UTrump uphakamisa ukunciphisa amazinga enzalo yamakhadi esikweletu abe yi-10%. Sihlaziya umthelela emabhange, kubathengi, kanye nempikiswano eYurophu naseSpain.
Isibuyekezo esibuyekeziwe sentengo eqondiwe yamabhange aseSpain: i-BBVA, i-Santander, i-CaixaBank nokuningi, kugxilwe emandleni awo angempela emakethe yamasheya.
Sinjani isimo semakethe yamabhange ahlukene: amazinga, uketshezi lwebhange, isikweletu kanye nezingozi ezinkulu zokutshala imali nokuxhasa ngezimali namuhla.
Uhulumeni uvala i-APR ezikweletini zabathengi kanye nezikweletu ezincane, uqinisa ukuvikelwa kwamakhasimende futhi unikeza iBhange laseSpain amandla engeziwe.
Uhulumeni Wesifunda sase-Andalusia ufaka i-Bizum ekukhokheni intela kanye nemali engenayo yomphakathi nge-elekthronikhi, ngokuthengiselana okufika ku-€1.500 kanye nezinye izinsiza eziku-inthanethi.
Kungani isicelo se-BBVA sokuthenga iSabadell sehlulekile nokuthi singayishintsha kanjani indlela yokuhlanganiswa kwamabhange eSpain eminyakeni ezayo.
I-Banco Nación ifake imali ecishe ibe ngu-$700.000 kuma-akhawunti okukhokha. Kwenzekeni ngemali, yini ecelwe yibhange, futhi yiziphi izingozi ezikhona kubasebenzi?
I-Spain Tax Agency izoqapha izinkokhelo ezenziwa nge-Bizum ngabantu abazisebenzayo kanye nezinkampani kusukela ngo-2026. Thola ukuthi yiluphi ulwazi olubikwayo, obani abathintekayo, nokuthi ungagwema kanjani izinhlawulo.
I-Banco Sabadell neZurich ziqinisa ubudlelwano bazo nohlelo lwe-Zenit lomshuwalense we-Life and Home, nge-premium ehleliwe iminyaka emi-3 kanye nokumbozwa okwengeziwe kwamakhasimende.
I-Banca March ithola isakhiwo esiphawulekayo ku-Diagonal yaseBarcelona sesikhungo sayo esisha sebhizinisi futhi iqinisa ukuzibophezela kwayo eCatalonia.
I-Spain Tax Agency izoqapha izinkokhelo ze-Bizum nezedijithali kusukela ngo-2026 ngaphandle komkhawulo omncane. Funda ukuthi lokhu kuzothinta kanjani abasebenzi abazimele, amabhizinisi, kanye nokuthengiselana phakathi kwabantu ngabanye.
I-BBVA ne-OpenAI basayina isivumelwano sokuhlanganisa i-AI ekhiqizayo, i-ChatGPT Enterprise kanye nabasizi bezezimali abahlakaniphile ebhange lesikhathi esizayo.
Funda ukuthi liyini i-oda lemali, uligcwalisa kanjani ngendlela efanele, ungalithenga kuphi futhi ulikheshe, nokuthi imaphi amaphutha okufanele uwagweme ukuze inkokhelo yakho ifike ngaphandle kwezinkinga.
Amabhange ayishumi aseYurophu akha i-Qivalis, i-euro stablecoin elawulwa ngaphansi kwe-MiCA efuna ukuqinisa ukuzimela kwezimali kwe-euro.
Ukuthengiselana okungu-7.500 kanye nama-euro ayizigidi ezingu-860 ngeKhodi Yezenzo Ezinhle ewenza lula umthwalo wemali mboleko yezinkulungwane zemindeni yaseSpain.
I-N26 yethula imali ebolekiwe yomuntu siqu e-Spain kusukela ku-€1.000 kuya ku-€15.000, amanani asuka ku-4,06% APR kanye ne-overdraft evumelana nezimo, konke okuyidijithali okungu-100% kuhlelo lwayo lokusebenza.
I-Bizum ilungiselela uhlelo lokusebenza ukuze lukhokhe ezitolo ngaphandle kwekhadi. Izosebenza kanjani, yiziphi izimali ezizosebenza, futhi izotholakala nini.
I-Sabadell inikeza amasheya angu-300 kubasebenzi abangu-14.000 kulandela isicelo se-BBVA sokuthatha. Inani elingu-€924 nokukhokha okuzenzakalelayo. Imininingwane yokusabalalisa kanye nokusabela kwenyunyana.
IBhange Elikhulu Lase-Argentina (i-BCRA) lizobuyisela izinkokhelo ezizenzekelayo zokudonswa kwemali ezibolekiwe. Umthelela, imigqa yesikhathi, amanani obugebengu, nolwazi olubalulekile lwabasebenzisi nezinkampani ze-fintech.
UMkhandlu Wamasekela ukugunyazile ukukhansela amakhadi esikweletu mahhala, ukuvimbela ukuthunyelwa kwe-imeyili okungaceliwe, nokubuyisela izinkokhiso ezingagunyaziwe zingakapheli izinsuku ezinhlanu. Funda mayelana nezinguquko.
I-Inversis Luxembourg izoba ngumnakekeli wezimali zikaMashi AM futhi iqinise umnikelo wayo wama-360º eSpain naseLuxembourg, ngamabhiliyoni angama-21.700 esitokisini.
Hlola i-Euribor namuhla, isilinganiso sayo sangoNovemba kanye nomthelela emalini yakho ebolekiwe ngedatha ebuyekeziwe namathrendi.
I-Visa ne-Mastercard zixoxisana ngezinkokhelo eziphansi kanye nenketho yokwenqaba amakhadi e-premium. Lokhu kuzoba nomthelela kumabhizinisi aseSpain nase-EU.
Izingozi zokukhokha: isikweletu, ukukhwabanisa, kanye ne-ATO nge-PCI, 3DS, nokuthobela i-ML. Amasu, izilawuli, namathuluzi ezinkundla. Yifunde futhi uzivikele.
Indlela i-AI ehlonza futhi ivimbele ngayo ukukhwabanisa ku-fintech ngamasu aholayo, izifundo zecala, namathuluzi. Amaphuzu angamanga ambalwa kanye nokuvikeleka okwengeziwe.
Isifinyezo sokukhwabanisa kwe-paytech e-Latin America: izibalo, izinhlobo zomkhonyovu, nokhiye bangempela bokuvimbela ukuhlaselwa kwe-fintech nokubhanga kwedijithali.
Izinzuzo zamakhadi e-Walmart nawe-Invex: amabhonasi, izitolimende ezingenanzuzo, kanye nenketho eqinisekisiwe. Itholakala ezitolo nakuhlelo lokusebenza eMexico.
I-Barclays ithenga Iqanda Elingcono Kakhulu ngamaRandi ayizigidi ezingu-800 ukuze iqinise ibhizinisi layo lokuboleka abathengi e-US; umthelela omkhulu kanye nokuvalwa kulindeleke ngo-2026.
I-Bunq ingena e-US ngelayisensi yomthengisi we-FINRA: amasheya, izimali, nama-ETF. Imininingwane ebalulekile yenqubo, izinsizakalo, nokugxila eSpain.
Izinsuku zokukhokha impesheni zika-Okthoba ngebhange kanye nekhalenda elisemthethweni le-INSS. Hlola ukuthi isikhungo sakho siyakunikeza yini izinkokhelo kusengaphambili.
I-Retsys iyehla futhi ivimbe izinkokhelo zekhadi ne-Bizum. Inkinga isixazululiwe futhi ayihlobene ne-AWS. Bona ububanzi nesimo.
Ibhidi lokuthatha le-BBVA le-Sabadell liwela ngokusekelwa okungu-25%. Izizathu, imithelela yezomthetho, nohlelo lwe-BBVA lokuqhubekela phambili. Bona yonke imininingwane.
I-Unicaja yethula umthengisi wedijithali onamathuluzi athuthukile, idatha yesikhathi sangempela, nokufinyelela ezimakethe zomhlaba. Funda ngezici zayo ezibalulekile.
I-Santander ihlanganisa i-Openbank ne-Consumer Finance eYurophu. Amadethi, amazwe, izinguquko zamakhasimende nozakwethu, nezici ezibalulekile zesu elisha.
Ibhidi lokuthatha le-BBVA alibaqinisekisi abanikazi bamasheya be-Sabadell: yi-1,1% kuphela yemali enkulu ebambe iqhaza. Ama-Threshold, izimo, nezinyathelo ezilandelayo.
Amabhange azoqinisekisa igama lomamukeli ngaphambi kokuthumela. Izaziso azivinjelwe futhi zibiza izindleko ezifanayo nokudluliswa okujwayelekile.
Umnqamulajuqu wokwamukela ibhidi lokuthatha le-BBVA le-Sabadell. Indlela yokufaka isicelo, amahora okuvula, ukuthi uzothola nini umphumela, nokuthi yiziphi izinketho ezitholakalayo.
I-Cajamar ihola cishe izigidi eziyi-178 kuze kube nguJuni, ithuthukisa amakhomishini, iqinise i-solvency, futhi yehlise imalimboleko yayo engasebenzi ibe ngu-1,78%. Bona zonke izibalo ezibalulekile.
Ukudayiswa kwe-TSB ne-mega-dividend kukhuphula i-Sabadell futhi kucindezele i-BBVA ukuthi inqume ngebhidi yayo yokuthatha.
I-Cocos ithola i-Banco Voii ukuze ithole ilayisense yasebhange futhi yandise umnikelo wayo wezezimali wedijithali. Izinguquko ezibalulekile emkhakheni we-fintech wase-Argentina.
Uke wanikezwa isheke elinqamulayo awazi ukuthi liyini? Uhola kanjani nawe? Zitholele izici zale ndlela yokukhokha.
Uke wezwa nge-akhawunti ekhokhelwe? Thola ukuthi ziyini nokuthi ungathola kanjani imbuyiselo enhle emalini yakho ngalo mkhiqizo.
Uyazi ukuthi yimaphi amabhange aku-inthanethi ahamba phambili eSpain? Sizokusiza ukuthi uthole amanye awo nama-akhawunti akhethekile anawo.
Ingabe uyafuna ukwazi amanye amabhange angcono kakhulu aku-inthanethi? Bese ubheka uhlu esilulungisile ngeziningana zazo.
Ungakwazi yini ukukhipha imali ngaphambi kokushona kwesihlobo? Thola ukuthi yiziphi izimo okungenzeka ngazo.
Uyazi ukuthi yini ukubhenka okulungile? Thola uhlobo lwebhange inhloso yalo ukusiza imvelo nomphakathi ngamakhasimende alo.
Ngabe ufuna ukwazi ukuthi ungayifaka kanjani imali ku-ATM? Ngakho-ke lapha sikhuluma ngakho konke odinga ukukwazi ngakho ngamabhange ahlukene.
Ibhizinisi lasebhange, elaziwa kangcono njengebhange, yinkampani enikezela ngezinsizakalo ezihlobene nemali. Funda kabanzi ngabo.
Yazi isibalo sesiqinisekiso sasebhange, izinhlobo ezikhona nezinyathelo okufanele uzithathe ukuthola eyodwa ebhange ngaphandle kwezinkinga.
Isitatimende sasebhange yidokhumende enikezwe yibhange lapho kukhonjiswa khona konke ukuhamba kwe-akhawunti yasebhange.
Thola okushiwo yi-TIN ne-APR ukuze ukwazi ukwenza imisebenzi nebhange ngalo lonke ulwazi oludingayo.
I-akhawunti yezobuchwepheshe ibonakala ikakhulukazi ngoba isetshenziselwa ukuphatha imali evela emsebenzini wobungcweti wabasebenzisi.
Imali engenayo yenzalo iyonke ikhule ngo-2,7% yize imvelo inenzalo ephansi eYurophu futhi lokhu kuyindlela ejwayelekile ezenzweni zamabhange.
Izinhlangano zezezimali zinezinhlelo zokuphepha ukuze ulwazi oluphakathi kwebhange neklayenti lube yimfihlo, ukugwema izinhlaka zalo zezezimali ze-Intanethi ezinamasistimu okuphepha ukuze imininingwane phakathi kwebhange neklayenti ibe yimfihlo, igweme ukufundwa noma ukukhohliswa kwayo ngabantu besithathu
I-Bankinter ngomunye wabamele amabhange amaphakathi anezincomo ezingcono ezivela kubahlaziyi abahlukahlukene bezezimali. Ngisho neBankinter ungomunye wabamele amabhange amaphakathi anezincomo ezingcono ezivela kubahlaziyi abahlukahlukene bezezimali
Izizathu ezingaphezu kokwanele zokukhathazeka ngabatshalizimali be-BBVA. Elinye lamavelu ahamba phambili ezimalini zaseSpain libone ukuthi kufanele kukhunjulwe kanjani ukuthi ukuvezwa kwalo kuphakeme kakhulu, nezimpahla zezimali esifundazweni saseTurkey esifinyelela ezigidini ezingama-84.000
Ukubhanga ngedijithali kungumqondo omusha futhi omusha emisebenzini yasebhange ongayenza kahle kusuka kuselula yakho
Ijika leLaffer lingasetshenziselwa ukuhlaziya imiphumela yokwehluka kwamandla emali kunoma imuphi umnotho.
Ukuba nolwazi ngabalingisi bemalimboleko abahamba phambili, ekugcineni, kuzosisindisa isikhathi esiningi ngisho nemali, ngoba sinemininingwane eminingi futhi engcono
Ama-simulators okubambisa ngempahla: ithuluzi elibalulekile labenzeli bezindlu. Impela uyazibuza ukuthi umthengisi wezezakhiwo angazinquma kanjani izidingo zamakhasimende abo
I-Ethereum inamandla okusingatha ubunzima obedlula i-Bitcoin, futhi lokhu kungenxa yohlelo lwayo lwenkontileka ehlakaniphile enalo, esizochaza ngokuhamba kwesikhathi.
Kubukeka kubalulekile ukufunda ngezinkinga ezinjalo zobuchwepheshe ezisithintayo emphakathini, futhi yize kuncane okuhloliwe kufanele siyiqonde imiqondo
Izabelo ezigxile ikakhulukazi ekubalweni kwesivuno sezabelo. Izinkampani ezinenzuzo ephezulu yesabelo
Kokubili ama-akhawunti wesikweletu nawokudonswa kwemali ayingxenye yempilo yethu yansuku zonke, futhi njengoba isikhathi sihamba, izindlela zokukhokha sezishintshile
Ukuhlangabezana nalesi sidingo samakhasimende, kwenziwa amabhange akude, okusivumela ukuthi senze ukuthengiselana ngaphandle kwesidingo sokuchitha isikhathi esiningi.
I-ASNEF yisichasiso seNational Association of Credit Financial Establishments. Le nhlangano yaziwa nangokuthi "uhlu lwabakhokhayo"
Abatshalizimali bebhange elidumile bazolahlekelwa yiyo yonke imali abayongele, ngenkathi abafaka imali bengeke bathinteke ngalesi sinqumo
Umbiko wakamuva wenkampani kabhanana waseJalimane umemezela ukuthi amasheya e-BBVA angalahlekelwa kuze kufike ku-40% wenani lawo ezimakethe zamasheya
Ngemuva kwesikhashana sikhokha izitolimende ebhange, sekuyisikhathi sokukhansela imali ebanjiswayo, futhi sizochaza ukuthi singakwenza kanjani
Izizathu eziyinhloko zokuthi kungani abantu bethatha isinqumo sokwenza inqubo yokuguqulwa kwempahla yasebhange iqiniso lokuthi bangashintsha inani lenzalo
Ama-akhawunti amahle kakhulu okukhokha onyaka futhi, njengoba sekubonile eminyakeni eyedlule, ngomunye futhi unyaka lesi simo siphinde siholwa yi-akhawunti yabasebenzi beBankinter.
Imali mboleko engenamaphepha ikhona, noma ngabe izwakala njengokukhwabanisa okungenzeka noma kungamanga, okunye kokukhathazeka abantu abaningi abanakho
Ukubhanga ku-inthanethi kukunikeza uchungechunge lwezinzuzo ebudlelwaneni bakho nebhizinisi, kepha futhi nokubi okufanele ukuhlole
Okugcinwe yibhange kwezwe, sikhuluma ngephesenti lemikhiqizo yalo okufanele igcinwe iqandisiwe
Ukuze wazi okwengeziwe ngomhlaba wamabhange, namhlanje sizokhuluma ngezinhlobo ezahlukahlukene zamabhange nokuthi ngalinye lisebenza kanjani.
Amabhange akhiqize uchungechunge lwezingwegwe ukugcina amakhasimende awo, futhi ngale ndlela awadlulisi kuziphakamiso zalo mncintiswano.
Uma ibhange lami lihluleka, ezinye izimo zingahle zenzelwe ukulondolozwa kwami ​​okufanele kucatshangelwe ukuvikela ukulondolozwa, ingabe uyafuna ukwazi ukuthi ziyini?
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