Mahuahua ka laha moraki
ʻO ka laha panakō ka ʻokoʻa ma waena o ka uku panee a kahi panakō e uku ai i ka mea hōʻaiʻē a me ka uku i uku ʻia e ka mea waiho kālā. Ua kapa ʻia hoʻi ʻo ka hoʻolaha ʻana i ka ʻupena, ʻo ka pālahalaha panakō he pākēneka e hōʻike ana i ka nui o ke kālā i loaʻa i ka panakō me ka nui o kāna hāʻawi ʻana.
Loaʻa i kahi panakō ke kālā mai ka ukupanee i loaʻa iā ia ma nā hōʻaiʻē a me nā waiwai ʻē aʻe, a uku kālā i nā mea kūʻai aku e hoʻolilo i nā waihona i loko o nā moʻo kālā ukupanee. ʻO ka pilina ma waena o ke kālā i loaʻa iā ʻoe a me ke kālā āu e uku ai, ua kapa ʻia ʻo ka palahalaha panakō.
Eia naʻe, ke ana ka laha panakō i ka ʻokoʻa awelika ma waena o ka hōʻaiʻē a me ka hōʻaiʻē ʻana i ka uku paneʻe, ʻaʻole ka nui o ka hana panakō ponoʻī, ʻo ia hoʻi, ʻaʻole i hōʻike ʻia ka laha panakō i ka loaʻa kālā o kahi ʻoihana kālā.
E noʻonoʻo i kahi panakō e hāʻawi kālā i kāna mau mea kūʻai ma ka awelika o 8%. I ka manawa like, ʻo ka uku pānaʻi e uku ʻia e ka panakō no nā kālā i waiho ʻia e nā mea kūʻai aku i kā lākou mau moʻokāki pilikino he 1%. He 8 pākēneka me ka hapa 1 pākēneka ka palena ʻupena ʻupena o kēlā hui kālā, a ʻo ka hopena i ka palena panakō he 7 pākēneka.
hohola moraki fred
ʻO ka mea mua e ʻike ai i ka pili ʻana o ka "ʻokoʻa". I ka hapa nui o nā moraki, ua hoʻohui ʻia kēia ʻokoʻa i ka Euribor, kahi kuhikuhi kūhelu o ka uku pānaʻi e uku ʻia e nā panakō ma ka ʻāpana euro e hāʻawi kālā i kekahi i kekahi. Hiki iā ʻoe ke ʻōlelo ʻo ia ka "kūʻai o ke kālā."
Ke hoʻohālikelike ʻoe i nā hāʻawi o nā panakō like ʻole, pono ʻoe e nānā mau i ka ʻokoʻa o ka uku panee a lākou e noi ai, ʻo ia hoʻi, ka pākēneka paʻa a lākou e hoʻohui ai i ka Euribor, no ka mea, ʻo ka huina o ka Euribor a me ka ʻokoʻa ke kumu kūʻai o kāu moraki. , ʻo ia hoʻi, i ʻike ʻia ʻo ka nominal interest rate (TIN).
Laha ka moraki ma ka US
He nui nā manaʻo o ka huaʻōlelo "spread" i ka hoʻopukapuka kālā, a hiki ke hoʻohana ʻia i nā waihona, nā paʻa, a i ʻole nā koho. Aia ma lalo kahi hōʻuluʻulu o nā hoʻohana like ʻole o ka huaʻōlelo a pehea e helu ʻia ai kēlā me kēia ʻano hoʻolaha.
Hoʻolaha ʻia ka Bid-Ask Ke nānā ʻoe i ke kumukūʻai o kahi kumukūʻai, ma kahi o ke kumukūʻai kālepa hope loa, e ʻike ʻoe i ʻelua mau kumu kūʻai ʻē aʻe i kapa ʻia ʻo "bid" a me "noi." ʻO ke kumukūʻai kūʻai ke kumu kūʻai kiʻekiʻe loa a kekahi e makemake e uku no ke kumukūʻai, ʻoiai ke kumu kūʻai noi e hōʻike ana i ke kumu kūʻai haʻahaʻa i makemake ai e kūʻai aku i ke kumukūʻai.
Ma ka laulā, ʻoi aku ka liʻiliʻi o nā ʻoihana ʻoi aku ka nui o kā lākou mau ʻāpana, ʻoi aku ka liʻiliʻi o ke keneta a ʻelua paha. Ma ka ʻaoʻao ʻē aʻe, hiki i nā waihona o nā ʻoihana liʻiliʻi me ka haʻahaʻa haʻahaʻa ke loaʻa nā pālahalaha kiʻekiʻe.
Hoʻolaha ʻia ka hua ʻōlelo "spread" i ka wā e kamaʻilio ai e pili ana i nā hōʻaiʻē hōʻaiʻē, e like me nā mea paʻa a i ʻole nā palapala hoʻopaʻa. ʻO ka helu ʻana o ka hoʻolaha ʻana he mea like ia me ka hoʻolaha ʻana i ka noi: e unuhi wale i kahi hua mai kekahi.
Hōʻike maʻamau ʻia nā pālahalaha huaʻai ma nā helu kumu, me ka ʻokoʻa 1% o ka hua e like me 100 kumu kumu. No laila, hoʻolaha ka hua ma waena o ʻelua mau paʻa, e uku ana kekahi i 5% a ʻo kekahi e uku ana i 4,8%, hiki ke 0,2% a i ʻole 20 kumu kumu.
Mbs ʻokoʻa e pili ana i ka waihona kālā
ʻO ka laha o ka uku panee ʻupena ka ʻokoʻa ma waena o ka awelika hoʻihoʻi i loaʻa i kahi ʻoihana kālā ma nā hōʻaiʻē - me nā hana ʻē aʻe - a me ka awelika uku e uku ai ma nā waihona a me nā hōʻaiʻē. ʻO ka hoʻolaha ʻana o ka uku paneʻe he mea nui ia o ka loaʻa kālā (a i ʻole ka nele) o kahi ʻoihana kālā.
Loaʻa i nā ʻoihana e hōʻaiʻē, e like me nā panakō kalepa, ka loaʻa kālā ukupanee mai nā kumu like ʻole. ʻO nā waihona (i kapa pinepine ʻia he waihona kumu) he kumu mua, ma ke ʻano o ka nānā ʻana a me nā waihona mālama kālā a i ʻole palapala hōʻoia o ka waiho kālā (CD). Loaʻa pinepine ʻia kēia mau mea ma nā uku haʻahaʻa. Hoʻonui pū nā panakō i ke kālā ma o ke kaulike, nā waihona kūʻai nui, a me ka hoʻopuka ʻana i nā aie. Hoʻopuka nā panakō i nā ʻano hōʻaiʻē like ʻole-e like me nā moraki waiwai, nā hōʻaiʻē home equity, nā hōʻaiʻē haumāna, nā hōʻaiʻē kaʻa, a me nā hōʻaiʻē kāleka hōʻaiʻē-i hāʻawi ʻia ma nā uku ukupanee kiʻekiʻe.
ʻO ka hana nui o ka panakō, ʻo ia ka mālama ʻana i ka pālahalaha ma waena o ka uku paneʻe ma nā waihona āna e uku ai i nā mea kūʻai aku a me ka uku i loaʻa iā ia ma kāna hōʻaiʻē. I nā huaʻōlelo ʻē aʻe, ke kiʻekiʻe ka ukupanee i loaʻa i kahi panakō ma nā hōʻaiʻē ma mua o ka ukupanee i uku ʻia ma nā waihona, hoʻopuka ʻo ia i ka loaʻa kālā mai ka pālahalaha ʻana o ka uku paneʻe. Ma nā ʻōlelo maʻalahi, ʻokoʻa nā ʻokoʻa ukupanee e like me nā palena kālā.
