Izilinganiso zenzalo ye-mortgage e-Spain
Ngemuva kokuhamba kancane kuka-2017, ukukhula komkhakha wezindlu ezithengiswayo ePeru kuphinde kwakhula ngo-2018 ngenxa yokuthuthukiswa kwezindlu zomphakathi, imali ebolekiwe ekhangayo, ukunwetshwa kwezindawo zokugcina izimpahla kanye nezingxenye zokudayisa, kanye nokuthuthukiswa kwamazinga okumuncwa kwezindawo zokudayisa. Imizwa yabatshalizimali nayo iyakhula: ngokocwaningo lwe-GRI Barometer lwango-2019 lwabaholi bezifunda bezindawo ezithengiswayo, ama-69% abaphendulile bebenentshisekelo yokutshala imali ezweni. Inhlolovo ikhombise ukuthuthuka okuqinile kwethemba labaphendulile mayelana nokukhula komnotho nokusebenza komkhakha uma kuqhathaniswa nocwaningo lwango-2018.
Ayikho imingcele ekutshalweni kwezimali kwamanye amazwe ku-real estate ePeru, kodwa kunemithethonqubo yomthethosisekelo mayelana nobunikazi noma umsebenzi wezindlu ezithengiswayo, okuhlanganisa ubunikazi bamasheya ezinkampanini eziphethe izindlu ezithengiswayo ngenxa yezizathu zokuphepha kwezwe. Abokufika bangase futhi bangazitholi izindlu ezithengiswayo eduze kwemingcele kazwelonke ngaphandle uma uMkhandlu Wongqongqoshe ukumemezele ngokucacile ukuthi kuyisidingo somphakathi.
Izinhlelo zikahulumeni zokusiza abathenga izindlu abahola kancane zihlanganisa iMivivienda Fund; I-Mivivienda Verde, eklanyelwe ukukhuthaza ubunikazi bezindlu obusimeme ngokwezezimali nangokwezemvelo; kanye ne-Techo Propio, uhlelo lwemali ephansi ye-Mivivienda Fund. Lezi zinhlelo kulindeleke ukuthi zinikeze imali ebolekiwe yezindlu ezingaba ngu-11.000 ngo-2019. Ukuthengwa kwezindlu kulindeleke ukuthi kuthuthukiswe ngenxa yecebo elizovumela abantu ngabanye ukuthi babele imali efika ku-25% yezimali zempesheni ezazingakaze zithinteke ezindlini nemikhiqizo emisha ye-mortgage. Ibhange laseSpain i-BBVA Continental, eliphinde lisebenze ePeru, lilindele ukuthi iphothifoliyo yalo yokubolekwa kwezindlu zomphakathi ikhule isuka ku-5% ngo-2019 iye ku-20% ngo-2020. Leli themba liphambene nesixwayiso esikhonjiswe ababolekisi kusukela ngo-2015 ngenxa yokuwohloka komnotho.
I-BBVA Mortgage
Sikholelwa ukuthi imakethe yezibambiso ezisekelwe e-US ye-mortgage-backed securities (MBS) ayisebenzi kahle. Sizama ukuwasebenzisa ngokugxila ekukhetheni ukuphepha kanye nezici eziqhuba ukusabalala okukhokhelwa kusengaphambili: ukubuyisela imali, ukuthutha, okuzenzakalelayo, njll.
Ithimba liqukethe abaphathi bephothifoliyo abanolwazi emikhakheni ehlukene yemakethe yezindlu zase-US, okuhlanganisa Izibopho Zezindlu Zokubolekwa Ezihlangene (ama-CMO), ama-MBS Okungewona Ama-Ejensi kanye Nezibambiso Ezisekelwe Kwezohwebo Zezindlu (i-CMBS). Bazuza ngokufinyelela inkundla yethu yomhlaba wonke yokuhweba nokulawulwa kwezinhlekelele, Isikhungo Sokusimama, Iqembu Lokucwaninga Okuningi kanye nethimba le-Macro Research.
I-Mortgage House yaseSpain
I-Capco iyisikhungo somhlaba wonke sebhizinisi nobuchwepheshe esizinikele embonini yezinsizakalo zezezimali kuphela. Sinikeza izixazululo ezintsha emabhange, ezimakethe ezinkulu, umshwalense, ingcebo nokuphathwa kokutshalwa kwezimali kanye nezezimali, ubungozi kanye nokuhambisana. Njengoba izingcindezi zomthethonqubo, ukuncishiswa kwezindleko kanye nokulindela kwamakhasimende kwanda, siklama, sakha futhi sisebenzise ubuchwepheshe bokusebenza okuthile kanye nezinhlangano zonke. Sisebenzisana eduze namakhasimende ethu, siwahlomisela ukuthi ahlangabezane kangcono nezinselelo zanamuhla, sibe siwalungiselela ukubamba amathuba akusasa.
I-Synechron iyinhlangano yomhlaba wonke yokubonisana nobuchwepheshe ehlinzeka ngezixazululo ezintsha embonini yezinsizakalo zezezimali ngokusebenzisa izindawo zayo ezintathu eziyinhloko zebhizinisi: idijithali, ukubonisana kwebhizinisi kanye nobuchwepheshe. Ikomkhulu layo liseNew York, le nkampani inamahhovisi ayi-18 emhlabeni jikelele, inabasebenzi abangaphezu kuka-6.000 abakhiqiza imali eyizigidi ezingama-$400 ngonyaka.
I-Capgemini ingomunye wabahlinzeki abahamba phambili emhlabeni bezokubonisana, ubuchwepheshe, ukukhishwa kwemisebenzi kanye nezinsizakalo zasendaweni zobungcweti. Njengoba ikhona emazweni angaphezu kuka-40 anabasebenzi abangaphezu kuka-130.000, i-Capgemini Group isiza amakhasimende ayo ukuguqula ukuze athuthukise ukusebenza kwawo kanye nokuma kwawo ngokuncintisana. Sinikeza uchungechunge lwezinsizakalo ezihlanganisiwe ezihlanganisa ubuchwepheshe besimanje nolwazi olujulile lwemboni kanye nomyalo oqinile wamabhizinisi amane abalulekile: I-Consulting, Technology, Outsourcing kanye Nezinsizakalo Zochwepheshe Zasendaweni.
Ingabe kungcono ukuthola imali ebolekwayo eSpain kunasePeru? ku-inthanethi
Ukuguqulwa Kohlobo Lwemali: Izinsizakalo Zomgcinimafa Wamazwe Ngamazwe ngeke zikukhokhise imali yokuguqula uhlobo lwemali ngezinkokhelo ezithunyelwe phesheya; kodwa, isikhungo sakho sezezimali sakwamanye amazwe singakukhokhisa izimali ezisebenzayo.
Izikole Zakwamanye Amazwe: Izinzuzo zemfundo zinikezwa omakadebona abafanele ukuya ezinhlelweni zezikole zangaphandle ezigunyaziwe. Vakashela ikhasi lethu lemininingwane ngezikole zakwamanye amazwe ukuze abafundi bafunde kabanzi. Ungasebenzisa ithuluzi lethu lokusesha lesikhungo se-WEAMS ukuze uthole izikole zakwamanye amazwe ezinezinhlelo ezigunyaziwe.
Ungaphatha futhi ufake isicelo sezinzuzo ku-inthanethi usebenzisa i-eBenefits. Uma ungakabi nayo i-akhawunti ye-eBenefits, ungabhalisa ekhasini lokubhalisa le-DS Logon. Esikhundleni sokusebenzisa ikheli lakho le-APO ukuze ubhalisele i-eBenefits, sebenzisa ikheli lakho lokugcina efayelini lase-United States.
