Amaxabiso enzala emboleko eSpain
Emva kokucotha kuka-2017, ukukhula kwecandelo lezindlu nezindlu ePeru kwaphinda kwakhula ngo-2018 ngenxa yophuhliso lwezindlu zasekuhlaleni, iimali-mboleko ezinomtsalane, ukwandiswa kwendawo yokugcina impahla kunye nezahlulo zokuthengisa, kunye nokuphuculwa kwamazinga okufakwa kwendawo yokuthengisa. Uluvo lomtyali-mali nalo luthathayo: ngokutsho kwe-2019 GRI Barometer Survey yeenkokheli zengingqi ye-real estate, i-69% yabaphenduli babenomdla kutyalo-mali kweli lizwe. Uvavanyo lubonise ukuphucuka okumandla kwithemba labaphenduli malunga nokukhula koqoqosho kunye nokusebenza kwecandelo xa kuthelekiswa novavanyo lowama-2018.
Akukho zithintelo kwi-investment yangaphandle kwi-real estate ePeru, kodwa kukho imimiselo yomgaqo-siseko malunga nobunini okanye umsebenzi we-real estate, kuquka ubunini bezabelo kwiinkampani eziphethe umhlaba ngenxa yezizathu zokhuseleko lwelizwe. Abantu bamazwe angaphandle abanako kwakhona ukufumana izindlu ezithengiswayo kufutshane nemida yelizwe ngaphandle kokuba iBhunga labaPhathiswa likubhengeze ngokucacileyo oko njengemfuneko yoluntu.
Iinkqubo zikarhulumente zokunceda abantu abafumana imivuzo ephantsi abathengi bamakhaya ziquka iMivivienda Fund; I-Mivivienda Verde, eyilelwe ukukhuthaza ubunini bezindlu obuzinzileyo ngokwezemali kunye nendalo; kunye neTecho Propio, isicwangciso somvuzo ophantsi seMivivienda Fund. Ezi nkqubo kulindeleke ukuba zibonelele ngeemali-mboleko kumakhaya angama-11.000 ngo-2019. Ukuthengwa kwezindlu kulindeleke ukuba kufumane ukonyuka ngenxa yesicwangciso esiza kuvumela abantu ukuba babeke ukuya kuthi ga kwi-25% yengxowa-mali yomhlalaphantsi eyayingachukunyiswa ngaphambili kwizindlu kunye neemveliso ezintsha zokubambisa. Ibhanki yaseSpain i-BBVA Continental, ekwasebenza ePeru, ilindele ukuba iphothifoliyo yemali mboleko yezindlu zentlalo ikhule ukusuka kwi-5% kwi-2019 ukuya kwi-20% ngo-2020. Eli themba lichasene nesilumkiso esiboniswa ngababolekisi ukususela ngo-2015 ngenxa yokudodobala koqoqosho.
BBVA Mortgage
Sikholelwa ukuba imakethi ye-US ye-mortgage-backed securities (MBS) ayisebenzi kakuhle. Sizama ukuzisebenzisa ngokugxila ekukhetheni ukhuseleko kunye neempawu eziqhuba ukusasazeka kwangaphambili: ukubuyisela imali, ukufuduka, ukungagqibeki, njl.
Iqela liquka abaphathi beepotfoliyo abanamava kumacandelo ahlukeneyo emarike ye-mortgage yase-US, kuquka i-Collateralized Mortgage Obligations (CMOs), ii-MBS ezingekho kwi-Agency kunye ne-Commercial Mortgage-Backed Securities (CMBS). Baxhamla ekufikeleleni kwiqonga lethu lokurhweba kunye nokulawulwa komngcipheko, iZiko loZinzo, iQela loPhando loMnani kunye neqela loPhando lweMacro.
Mortgage House Spain
ICapco lishishini lehlabathi jikelele kunye nomcebisi wetekhnoloji ozinikele ngokukodwa kwishishini leenkonzo zemali. Sinikezela ngezisombululo ezintsha kwiibhanki, kwiimarike zenkunzi, i-inshurensi, ubutyebi kunye nolawulo lotyalo-mali kunye nezezimali, umngcipheko kunye nokuthotyelwa. Njengoko uxinzelelo lolawulo, ukunciphisa iindleko kunye nokulindela kwabathengi kwanda, siyayila, sakha kwaye sisebenzise iteknoloji kwimisebenzi ethile kunye nemibutho yonke. Sisebenza ngokusondeleyo nabathengi bethu, sibaxhobisa ukuba bahlangabezane ngcono nemiceli mngeni yanamhlanje, ngelixa sibalungiselela ukuba bathabathe amathuba angomso.
I-Synechron yintlangano yehlabathi jikelele yokubonisana kunye neteknoloji enikezela izisombululo ezintsha kwishishini leenkonzo zezemali ngokusebenzisa iindawo zayo ezintathu eziphambili zoshishino: idijithali, ukubonisana kwezoshishino kunye neteknoloji. Ikomkhulu layo liseNew York, le nkampani ineeofisi ezili-18 ehlabathini lonke, inabasebenzi abangaphezu kwama-6.000 400 abavelisa i-$XNUMX yezigidi kwingeniso yonyaka.
I-Capgemini ingomnye wababoneleli behlabathi abakhokelayo bokubonisana, iteknoloji, ukukhupha kunye neenkonzo zengcali zendawo. Ekhoyo kumazwe angaphezu kwama-40 anabasebenzi abangaphezu kwe-130.000, iQela leCapgemini linceda abathengi balo baguqule ukuphucula ukusebenza kwabo kunye nokukhuphisana. Sinikezela ngeenkonzo ezidibeneyo ezidibanisa iteknoloji yezobugcisa kunye namava anzulu oshishino kunye nomyalelo oqinileyo wamashishini amane abalulekileyo: Ukubonisana, iThekhnoloji, ukuThunyelwa kweeNkonzo kunye neeNkonzo zeNdawo zoBuchwepheshe.
Ngaba kungcono ukufumana imali mboleko eSpain kunasePeru? kwi-intanethi
Uguqulo lwemali: Iinkonzo zikaNondyebo zaMazwe ngaMazwe aziyi kukuhlawulisa umrhumo wokuguqula imali kwiintlawulo ezithunyelwe phesheya; nangona kunjalo, iziko lakho lezemali lamazwe angaphandle linokubiza iintlawulo ezifanelekileyo.
Izikolo zaNgamanye amazwe: Izibonelelo zemfundo zibonelelwa kumagqala afanelekileyo ukuba aye kwiiprogram zezikolo zangaphandle ezivunyiweyo. Ndwendwela iphepha lethu lengcaciso ngezikolo zangaphandle ukuze abafundi bafunde ngakumbi. Unokusebenzisa isixhobo sethu sokukhangela iziko le-WEAMS ukufumana izikolo zangaphandle ezineenkqubo ezivunyiweyo.
Unokulawula kwaye ufake isicelo sezibonelelo kwi-intanethi usebenzisa i-eBenefits. Ukuba ngaba akukabinayo i-akhawunti ye-eBenefits, ungabhalisa kwiphepha lokubhalisa le-DS Logon. Endaweni yokusebenzisa idilesi yakho ye-APO ukubhalisela i-eBenefits, sebenzisa idilesi yakho yokugqibela kwifayile eUnited States.
