Nā ʻāina me ka uku pānaʻi
ʻO LIBOR, ʻo ia ka London Interbank Offered Rate, he uku panee kuhikuhi i ʻae ʻia e hōʻike ana i nā kumukūʻai o nā hōʻaiʻē ma waena o nā panakō. Ke helu nei ka Intercontinental Exchange (ICE) a hoʻomau i ka hoʻolaha ʻana i ka helu i kēlā me kēia lā, akā ma muli o nā hōʻino hou a me nā kānalua e pili ana i kona kūpono ma ke ʻano he helu kuhikuhi, ke kāpae ʻia nei. Wahi a ka Federal Reserve a me UK regulators, LIBOR e hoʻopau ʻia ma Iune 30, 2023 a pani ʻia e ka Secured Overnight Financing Rate (SOFR). Ma ke ʻano o kēia hoʻopau ʻana, ʻaʻole e paʻi hou ʻia nā uku he USD LIBOR hoʻokahi pule a me ʻelua mahina ma hope o Dekemaba 31, 2021.
ʻO LIBOR ka uku pānaʻi maʻamau i hāʻawi ʻia e nā panakō koʻikoʻi o ka honua. Hoʻokumu ʻia ia ma nā kālā ʻelima, ʻo ia hoʻi ke kālā US, ka euro, ka paona Pelekane, ka yen Iapana a me ka Swiss franc, a lawelawe i ʻehiku mau ʻokoʻa ʻokoʻa: i ka pō / lā aʻe, hoʻokahi pule a hoʻokahi, ʻelua, ʻekolu, ʻeono. 12 mahina.
ʻO ka hui pū ʻana o ʻelima mau kālā a me ʻehiku mau makahiki oʻo ka hopena i ka huina o 35 mau kumukūʻai LIBOR like ʻole i helu ʻia a hōʻike ʻia i kēlā me kēia lā ʻoihana. .
Ka uku panee moraki ma Sepania
Pehea e hana ai nā waihona moraki ma Ireland? Ma mua o ka loaʻa ʻana o kahi moraki e kūʻai ai i home ma Ireland, pono ʻoe i kahi waihona. Eia ke ano o ka lakou hana ana a me ka nui o na mea e pono ai oe e loaa no ka moraki. Eia nā ʻanuʻu 7 e kōkua iā ʻoe e hoʻomākaukau no kahi noi moraki. Inikua a me nā ukuA alakaʻi i ka ʻinikua palekana moraki ma Ireland Hāʻawi ka ʻinikua palekana moraki i ka palekana kālā no ʻoe a me kāu mea hāʻawi. Eia ka nānā ʻana i nā ʻano like ʻole a pehea e loaʻa ai ka uhi kūpono. He aha ka ʻinikua āu e pono ai me kāu moraki? He mea nui ka loaʻa ʻana o ka ʻinikua kūpono e pale iā ʻoe a me kou home. Pehea ka hana o ka dute stamp ma Irelani? Ma lalo nei mākou e wehewehe ai pehea e hana ai ka ʻauhau ma nā palapala kānāwai i kākau ʻia a me ka nui o ke kumu kūʻai iā ʻoe.
Me kā mākou mau helu hoʻohālikelike moraki hiki iā ʻoe ke ʻike i ka nui āu e hiki ai ke hōʻaiʻē, he aha kāu mau uku o kēlā me kēia mahina a he aha nā rebate a i ʻole nā mea hoʻoikaika e loaʻa mai nā mea hāʻawi nui o Ireland.
ECB uku uku
ʻO ka ʻinikua hale kahi koi koi i ka wā e lawe ai i kahi moraki Pukiki. ʻO ka liʻiliʻi liʻiliʻi e koi ʻia e kūʻē i ke ahi a me ke kahe. E ho'okumu 'ia ka uku 'inikua ma luna o ka waiwai i kūkulu hou 'ia o ka waiwai.
Pono kekahi mau panakō i ka ʻinikua ola no ka mea noi mua a i ʻole no nā mea noi moraki ʻelua. E hōʻike mākou iā ʻoe i kēia koi koi ke hāʻawi mākou iā ʻoe i ka palapala noi moraki.
Pono e noʻonoʻo ʻia ka uhi ʻana i ke kuleana i ka wā e manaʻo ai e hoʻolimalima i ka waiwai. 'O ka uhi 'ai'ē he uhi koho 'ia i loko o ka 'inikua ma loko. He aha nā palapala e koi 'ia e ka panakō no ka 'āpono 'ana i ka moraki? No ka ʻike ʻana i kahi papa inoa kikoʻī o nā palapala i koi ʻia, kaomi ma aneʻi He aha nā ʻano moraki e loaʻa? Hāʻawi nā panakō i nā moraki no ka loaʻa ʻana, ke kūkulu ʻana a me ka hoʻokuʻu ʻana i ke kapikala.
ʻO nā ʻano moraki maʻamau ʻo ia ka amortization kapikala me ka uku pānaʻi hoʻololi a paʻa paha. He aha ka uku panee Euribor? Hoʻopili ʻia ka uku paneʻe o nā moraki Pukiki i ka uku panee Euribor ma 3 a i ʻole 6 mau mahina a piʻi aʻe me ka palena (spread) e pili ana ka panakō.
ECB uku uku helu helu
ʻO ka European Central Bank, ka mea i hoʻonohonoho i nā uku uku no nā ʻāina ʻEulopa 19 e hoʻohana nei i ka euro, a ʻo ka Central Bank o Iapana e hōʻemi pū ana i ke kākoʻo kālā, ʻoiai ua hoʻōki lākou i ka hōʻoki ʻana i nā kumukūʻai i kēia manawa.
ʻO ka ukupanee ke kumukūʻai o ka hōʻaiʻē kālā, i hōʻike pinepine ʻia ma ke ʻano he uku ukupanee makahiki. ʻO ia kekahi o nā mea hana nui e hiki ai i nā panakō waena ke ho'āʻo e kāohi i ka piʻiʻana o nā kumukūʻai, ka hoʻonui. ʻO ka piʻi ʻana o ka noi, i hui pū ʻia me ka lako paʻa i ka wā e hoʻi hou ai ka ʻoihana honua mai ka maʻi maʻi maʻi, ke koi nei i ka piʻi ʻana i nā kiʻekiʻe kiʻekiʻe. No kēia kumu, ke hana nei nā panakō waena - nāna e mālama i ke kālā a me nā kulekele kālā o kēlā me kēia ʻāina.
Inā ʻoe i lawe i kahi moraki e kūʻai i kou home ma UK, hiki ke hoʻonui ʻia ke kumu kūʻai o kāu hoʻokaʻina mahina. E pili ana ka nui i ka nui o kāu hōʻaiʻē. No ka laʻana, e pili ana i ka moraki awelika o £140.000, ua helu ka hui panakō ʻo UK Finance i ka piʻi awelika o £15 i kēlā me kēia mahina no ka piʻi ʻana o ka uku hou o ka Bank of England. ʻO kēia no ka 850.000 poʻe ʻaiʻē o nā moraki i mālama ʻia, kahi ʻano moraki hiki ke hoʻololi.
