Lokacin da kuka yi tunanin siyan gida, amma ba ku da cikakken kuɗin da za ku biya, abin da ya fara zuwa a zuciya shi ne neman gidan. jinginar gida. Ƙungiyoyin banki suna kimanta matsayin kuɗi na mutane don ƙayyade yawan adadin taimako. The Euribor yana ɗaya daga cikin mahimman bayanai a yau tare da babban mahimmanci akan jinginar gida.
Euribor yana zuwa aiki yayin ƙididdige riba akan lamunin jinginar gida. Shin shi Ƙididdiga ta Interbank na Turai, wato farashin da bankunan Turai ke ba juna rance. Kamar yadda mutane da kamfanoni ke zuwa bankuna, su kan ba da lamuni ga wani banki kuma su biya ribarsu.
Ana yin lissafin Euribor kowace rana ta hanyar amfani da mafi girman adadin bayanai daga ainihin ayyukan da bankuna ke aiwatarwa a cikin sharuddan balaga. Saboda mahimmancinsa, tun da ya ƙunshi ƙungiyoyin ƙasashen Tarayyar Turai, yana tasiri sosai ga jinginar gida kuma yana iya daidaita shi don fifita ko rikitarwa sayan gida.
Ta yaya Euribor ke shiga tsakani a cikin jinginar gida
Don fahimta yadda Euribor ke shafar jinginar gida kana bukatar ka san yadda yake aiki. Babban ƙungiyoyin da aka haɗa a cikin rahoton yankin Yuro kan adadin ribar bankin da aka yi amfani da su a ranar da ta gabata. Cibiyar Turai ta Kasuwannin Kudi shi ne ke kula da lissafin Euribor kamar haka:
- Cire saman 15% na bayanai
- Share kasa 15% na bayanai
- A kan 70% na sauran bayanan ana yin lissafin kuma an sami Euribor
Yanzu, dole ne ku yi la'akari da wannan lokacin neman jinginar gida, musamman lokacin zabar kuɗin ruwa wanda rancen da aka nema daga banki zai auna.
- Dindindin: kashi wanda baya canzawa
- M: benchmark dogara
- Gauraye: ya haɗa ƙayyadaddun sha'awa da ma'auni
Idan yanke shawara ce mai ma'ana mai ma'ana, yana nufin cewa ƙimar riba za ta ragu kawai idan maƙasudin ƙididdiga, a cikin wannan yanayin Euribor, ya ragu. Amma idan aka ce darajar ta tashi, haka zai faru da sha'awa. Kodayake ana lissafin Euribor kowace rana, akwai nassoshi mako-mako, kowane wata, kwata, kowane wata da shekara. Biyu na ƙarshe sune aka fi amfani da su a cikin jinginar gidaje.
Kafin yanke shawara akan ƙimar kuɗin jinginar gida, yana da matukar taimako don yin tunani a kan al'amuran da za su iya tasowa kuma waɗanda zasu iya shafar tattalin arziƙin, mafi kyau ko mafi muni. Lokacin da yazo ga babban lamuni, ya zama dole a tambayi yadda ake aiki.
Hakanan ana amfani da wannan fihirisar magana don ƙididdige ƙimar riba akan lamuni da aka haɗa, da kuma kan batutuwan bashi masu canji da sauran abubuwan kuɗi.
Abin da ya kamata ku tuna a lokacin jinginar gida
Tunda Euribor shine fihirisar da aka fi amfani da ita don ƙididdige bita-da-kulli a cikin madaidaicin adadin riba akan jinginar gidaje, bai kamata ya zama baƙon sanin zurfin abin da wannan ke nufi a cikin kuɗin ku ba. Dangantakar da ke tsakanin Euribor da lamuni tana kusa kuma tana daure. A wannan ma'anar, zan gabatar muku menene fa'idodi da rashin amfani na zabar madaidaicin ƙimar riba.
1. Amfanin Euribor
- Abubuwan sha'awa ba su da yawa: a wannan lokacin komai zai dogara ne akan yanayin tattalin arziki. Lokacin da jinginar gida ke ƙarƙashin canje-canje a cikin Euribor, a cikin tattalin arzikin da ke da ƙarancin riba, da biyan jinginar gida na wata-wata zai ragu. Saboda wannan dalili, ƙimar da za a biya kowane wata yana da ƙasa.
- Yana da dogon sharuddan: m riba yana ba da ƙarin sassauci a cikin wa'adin don biyan lamuni. Idan kuna buƙatar biyan ƙananan biyan kuɗi na wata-wata, wannan zaɓi ne mai kyau, komai idan an tsawaita wa'adin jinginar.
2. Lalacewar Euribor
- Sha'awa dabam: rashin lahani yana faruwa lokacin da ƙimar maƙasudin ƙididdiga ke ƙoƙarin tashi. da kyau da darajar kashi-kashi zai iya tashi.
- Shuka rashin tabbas: rashin sanin adadin da za a biya a ƙarshen jinginar ba abu ne mai sauƙi ba. Kamar yadda waɗannan suna da dogon lokaci, Shekaru 10, alal misali, yana sa ba zai yiwu a yi tsammanin halayen Euribor ba.
Dole ne a tuna cewa ana duba ƙimar riba kowane wata shida ko kowace shekara, ya danganta da juyin halitta da aka ambata. Sakamakon haka, biyan kuɗin jinginar gida na iya hawa sama ko ƙasa. Lamunin jinginar zai ƙayyade ranar da za a ɗauki don samun ƙimar Euribor na hukuma wanda za a yi la'akari da shi don yin bitar abubuwan.
Euribor a fuskar canjin tattalin arziki
Euribor ya tashi kuma ya fadi saboda tasirin da yake da shi, yanayin tattalin arzikin Turai da kuma yanke shawara na Babban Bankin Turai. Wadannan abubuwan sun shafi kai tsaye darajar kudi a bankuna, wanda darajar wannan fihirisa ta dogara da ita.
Wani abu kuma shi ne yawan kudaden da ke yawo a kasuwanni. Idan akwai kadan, darajar Euribor tana son tashi, tunda an fahimci cewa kuɗi kaɗan ne. A nasu bangaren, hukumomin banki suna ganin irin hadarin da suke fuskanta yayin ba da rancen kudi ga wani banki. Idan sun ƙayyade cewa haɗarin yana da girma sosai, ƙimar kuɗi ta ƙaru, kuma haka ya faru da Euribor.
Juyin halittar Euribor ya shafa canza tattalin arziki a Turai. A lokacin 2021, fihirisar ta kasance cikin ƙima mara kyau, musamman -0,502%. A farkon 2022 ya tashi zuwa -0,477%; duk da haka, lamunin jinginar gida sun yi tsada. Sai dai masana sun ce zai kasance kadan.
Don haifar da ƙarin haske a cikin ma'amalar lamuni, Babban Bankin Turai ya fara amfani da sabon ma'auni mai suna €STR, da aka sani da Ester. Sau da yawa ana kwatanta shi da Euribor, amma kowannensu yana taka rawar daban. Ana amfani da Euribor azaman maƙasudi Riba a cikin ɓangarorin watanni ko shekara, yayin da Ester ke nuna farashin ayyukan interbank na kwana ɗaya.
Tare da wannan duka, abin da ya fi dacewa ga lafiyar kuɗi shine tuntuɓar ƙwararrun ƙwararru kafin neman jinginar gida. Shawarwari na ƙwararru na iya fitar da ku daga shakka kuma za ku kasance da tabbaci kan matakin da za ku ɗauka don cimma gidan mafarkinku.
