Izikhangiso
Njengoba u-2024 esondela, abatshalizimali kulo lonke elase-Brazil bafuna izinketho ezingcono kakhulu zokutshala imali yabo. Njengoba kulindeleke ukwehliswa okwengeziwe kwezinga le-Selic, isimo sokutshalwa kwezimali siyashintsha. Phambilini, lapho i-Selic icishe ibe ngu-13,75% ngenyanga, kwakungenzeka ukuthola inzuzo engaphezu kuka-1% ngenyanga. Nokho, njengoba kulindeleke ukuthi i-Selic yehle iye ku-9,25% ekupheleni kuka-2024, abatshalizimali kudingeka balungise amasu abo ukuze balondoloze inzuzo yamaphothifoliyo abo.
Kulo mongo, izibambiso ezingakhokhi intela yemali engenayo ziba inketho ekhangayo. Lezi zihlanganisa ama-Letras de Crédito Imobiliário (LCI), ama-Letras de Crédito do Agronegócio (LCA), ama-Certificados de Recebíveis Imobiliários (CRI), ama-Certificados de Recebíveis do Agronegócio (CRA) kanye nama-debêntures akhuthazwayo. Ngayinye yalezi zinsiza inezici ezihlukile nezinzuzo zentela ezingaba wusizo kakhulu esimweni samazinga enzalo aphansi.
Bona Okuningi: Ikhasimende lakwa-Santander lithole izindaba ezinhle kakhulu. Bheka imininingwane
Izingozi nemivuzo yokutshala imali ezibambisweni ezingakhokhi i-IR
Lapho kucatshangelwa ukutshalwa kwezimali okungakhokhi intela yemali engenayo ngo-2024, kubalulekile ukuqonda ubungozi nemivuzo ehambisana nakho. I-LCI ne-LCA, ngokwesibonelo, zihlanganisa ukuvikelwa yi-Fundo Garantidor de Crédito (FGC), okuhlinzeka ngokuvikeleka okufika ku-R$ 250 ayizinkulungwane nge-CPF ngayinye esikhungweni ngasinye sezezimali. Lokhu kuzenza zibe izinketho eziphephile phakathi kohlu lokutshalwa kwezimali okungakhokhi intela yemali engenayo. Ngakolunye uhlangothi, i-CRI, i-CRA namadebentures akhuthazwayo kuqinisekiswa yizinkampani ezikhiphayo ngokwazo, ngakho-ke kubonisa ubungozi obukhulu bokungakhokhi. Lobu bungozi obengeziwe ngokuvamile bunxeshezelwa ngamazinga akhanga kakhulu kumtshali-zimali.
Amasu Okutshala Imali Esimweni Senzalo Ephansi
Esimweni senzalo ephansi, abatshali-zimali kudingeka babe namasu amaningi ukuze bafinyelele inzuzo yanyanga zonke abayifunayo. Ngale ndlela, ngaphezu kwezibambiso ezingakhokhi intela yemali engenayo, ezinye izinketho zemali engenayo engaguquki, njengezibambiso zikaMgcinimafa, Izitifiketi Zediphozithi Yasebhange (ama-CDB) namadebentures, ziyaqhubeka nokuba usizo. Nokho, kubalulekile ukunaka amanani entela yemali engenayo, asukela ku-22,50% ezimalini ezitshalwe kuze kube yizinsuku eziyi-180 kuya ku-15% ezimalini ezitshalwe isikhathi esingaphezu kwezinsuku eziyi-720.
Ukutshala imali ngo-2024 kuzodinga indlela elinganiselayo, kucatshangelwa kokubili ukuphepha nenzuzo. Ukwehlukanisa izimali kuyaqhubeka nokuba isu elibalulekile, kuhlanganiswa izinhlobo ezahlukene zokutshalwa kwezimali ukuze kulinganiswe ubungozi nembuyiselo. Ngaphezu kwalokho, ukuhlala unolwazi olufanele nokuzivumelanisa nezinguquko zemakethe kuzobaluleka empumelelweni yokutshalwa kwezimali onyakeni ozayo.
