Euribor farashin canji
Euribor shine taƙaitaccen ƙimar Yuro Interbank. Farashin Euribor ya dogara ne akan yawan kuɗin ruwa wanda kwamitin bankunan Turai ke ba da rance ga junansu. Mafi girma da mafi ƙasƙanci 15% na duk ƙididdiga da aka tattara an kawar da su a cikin lissafin. Ragowar farashin an daidaita su kuma an zagaye su zuwa wurare goma sha uku. An ƙayyade Euribor kuma ana buga shi da misalin karfe 11:00 na safe kowace rana, Lokacin Tsakiyar Turai.
Lokacin da ake magana game da Euribor, ana kiransa da Euribor, kamar dai akwai kuɗin ruwa guda ɗaya kawai. Wannan ba daidai ba ne, tun da a zahiri akwai 5 daban-daban na kudin ruwa na Euribor, duk suna da girma daban-daban (har zuwa Nuwamba 1, 2013, akwai maturities 15). Dubi farashin Euribor na yanzu don bayyani na duk farashin.
An buga Euribor a karon farko a ranar 30 ga Disamba, 1998 (darajar Janairu 4, 1999). 1 ga Janairu, 1999 ita ce ranar da aka ƙaddamar da kudin Euro a matsayin kuɗi. A cikin shekarun da suka gabata, an sami ƙimar ƙimar ƙasa da yawa kamar PIBOR (Faransa) da Fibor (Jamus).
Kamar yadda farashin Euribor ya dogara kan yarjejeniyoyin da ke tsakanin bankunan Turai da yawa, an ƙayyade matakin ƙimar ta farko ta hanyar samarwa da buƙata. Koyaya, akwai wasu dalilai na waje, kamar haɓakar tattalin arziƙi da hauhawar farashin kayayyaki, waɗanda kuma ke tasiri matakin ƙimar.
Hasashen farashin Euribor
Don daidaitaccen bayanin martaba wanda ba mazaunin gida ba, ƙimar kuɗin jinginar gida na yau da kullun yana daidaitawa 1,75% a cikin shekaru 25 da Euribor + 1,5% don jinginar ƙima. Euribor ya tashi kwanan nan, kodayake ya kasance mara kyau a -0,285 a lokacin rubuce-rubuce. Wannan a halin yanzu yana fassara zuwa ƙimar riba mai canzawa na 1,22% wanda yawanci ana yin bitar kowane watanni 12 akan ranar tunawa da manufar. Kwamitocin bude banki suna tsakanin 0 zuwa 1% kuma, kodayake yawancin bankunan sun dage cewa abokin ciniki ya ba da kwangilar ƙarin samfuran kamar inshora na gida da na rayuwa, wannan ba koyaushe bane.
Adadin riba ya ragu ga mazaunan haraji da jinginar gidaje masu ƙima, muna samun ƙayyadaddun ƙima daga 0,95% da madaidaitan farashin daga Euribor + 1% (sakamakon ƙimar 0,72%). Ƙarin samfuran ba yawanci ba ne. Ƙarin samfuran yawanci ba dole ba ne.
Tabbas, ya danganta da bayanin martabar abokin ciniki da yanayin bankunan, ainihin ƙimar kuɗi na iya zama ƙasa ko sama. Farashin ya kasance akai-akai tun daga shekarar 2019, amma ana sa ran zai tashi yayin da Euribor da hauhawar farashin kaya suka tashi. Shawarar mu: siya yanzu kuma amintaccen ƙarancin ƙima yayin da zaku iya!
Euribor tarihin kowane zamani
Euribor shine adadin riba wanda yawancin bankunan Turai ke ba da lamuni na ɗan gajeren lokaci. Bankunan da ke karbar kuɗi daga wasu bankuna za su iya amfani da waɗannan kuɗin don yin lamuni ga wasu ɓangarori. A zahiri, Euribor shine farashin siyan da banki zai biya don lamuni na ɗan gajeren lokaci.
Yawancin bankuna suna ba da rancen kuɗi ta hanyar ba da jinginar gidaje. A yawancin ƙasashen Turai, yawan kuɗin ruwa da za a biya don lamuni na ɗan gajeren lokaci ko jinginar gida (lokacin ƙayyadaddun lokaci na gajeren lokaci) yana bin ƙimar Euribor. Lokacin da Euribor ya karu, ribar da za a biya kuma yana ƙaruwa kuma akasin haka. Lokacin da wani ya yanke shawarar barin jinginar gida bisa madaidaicin ƙimar riba (wanda kuma aka sani da jinginar kuɗi mai canzawa), ana sanar da shi a gaba cewa zai biya kuɗin Euribor (sau da yawa ƙimar Euribor a wata 1 ko 3) tare da ƙayyadaddun ƙayyadaddun. hukumar, misali Euribor +1%.
Labaran Euribor
Ana ƙididdige madaidaicin ƙimar riba tare da la'akari da ƙimar Bayar da Babban Bankin Turai (Euribor) wanda Cibiyar Kasuwancin Kuɗi ta Turai ta buga inda bankunan da ke yankin Yuro ke ba da rancen kuɗi a cikin Yuro ga wasu bankunan.
Matsakaicin adadin riba na lamunin jinginar gida ya ƙunshi sassa biyu: ƙayyadaddun da madaidaici. An kafa ƙayyadaddun ɓangaren sha'awa (margin) na lamunin jinginar gida guda ɗaya ga kowane abokin ciniki bisa la'akari da kuɗin shiga, tarihin bashi da amincin su ga banki. Ƙayyadadden ɓangaren sha'awa ya kasance baya canzawa a duk tsawon lokacin kwangilar lamuni.
Ana ƙididdige madaidaicin ɓangaren riba tare da la'akari da ƙimar Bayar da Babban Bankin Turai (Euribor), wanda ke nuna ƙimar lamuni na ɗan lokaci a kasuwa. EMMI (Cibiyar Kasuwar Kuɗi ta Turai) ce ta buga.
Da fatan za a lura cewa ana ƙididdige ƙimar riba mai canzawa tare da la'akari da ƙimar Euribor da aka buga a ranar kasuwanci ta biyu kafin ranar da aka gyaggyara madaidaicin ɓangaren riba. Idan ƙimar mara kyau ce, an saita shi daidai da sifili.
