Mukaganiza zogula nyumba, koma mulibe ndalama zonse zolipirira, chinthu choyamba chomwe chimabwera m'maganizo ndikufunsira nyumba. kubwereka. Mabanki amawunika momwe ndalama za anthu zilili kuti adziwe kuchuluka kwa chithandizo. The Euribor Ndi imodzi mwazofunikira kwambiri masiku ano zomwe zimagwirizana kwambiri ndi ngongole yanyumba.
Euribor imagwira ntchito powerengera chiwongola dzanja pa ngongole yanyumba. Ndi iye Mlingo Woperekedwa ndi European Interbank, ndiko kuti, mtengo umene mabanki a ku Ulaya amabwereketsa ndalama kwa wina ndi mzake. Monga momwe anthu ndi makampani amapita kumabanki, amapempha ngongole kubanki ina ndikulipira chiwongoladzanja chawo.
Euribor imawerengedwa tsiku ndi tsiku pogwiritsa ntchito njira yomwe imagwiritsa ntchito chidziwitso chochuluka kuchokera ku ntchito zenizeni zomwe mabanki amachitira mu kukhwima kosiyana. Chifukwa cha kufunikira kwake, popeza imakhudza mabungwe a eurozone, imakhudza kwambiri ngongole yanyumba ndipo imatha kusintha kuti igwirizane kapena kusokoneza kugula nyumba.
Kodi Euribor imalowerera bwanji pa ngongole yanyumba?
Kuti mumvetsetse Momwe Euribor imakhudzira ngongole yanyumba muyenera kudziwa momwe zimagwirira ntchito. Mabungwe akuluakulu omwe adaphatikizidwa mu gawo la yuro lipoti pa chiwongola dzanja cha interbank chomwe chidagwiritsidwa ntchito tsiku lapitalo. European Institute of Ndalama Zamalonda ali ndi udindo wowerengera Euribor motere:
- Chotsani 15% yapamwamba ya data
- Imachotsa pansi 15% ya data
- Pa 70% ya deta yotsala, kuwerengera kumapangidwa ndipo Euribor imapezeka
Tsopano, izi ziyenera kuganiziridwa pofunsira kubwereketsa, makamaka posankha chiwongola dzanja chomwe ngongole yopempha kubanki idzalemera.
- Zosatha: peresenti yomwe sisintha
- Zosintha: kutengera benchmark
- Zosakanizidwa: Phatikizani chidwi chokhazikika komanso chosinthika
Ngati chigamulocho chili ndi chidwi chosinthika, zikutanthauza kuti mtengo wa chiwongoladzanja udzatsika pokhapokha ngati ndondomeko yowonetsera, pankhaniyi Euribor, itsika. Koma ngati mtengowo ukukwera, zomwezo zidzachitika ndi chidwi. Ngakhale kuti Euribor imawerengedwa tsiku ndi tsiku, pali maumboni mlungu uliwonse, mwezi uliwonse, kotala, mwezi ndi chaka. Awiri omalizira ndi omwe amagwiritsidwa ntchito kwambiri pa ngongole zanyumba.
Musanasankhe chiwongoladzanja cha chiwongoladzanja cha ngongole, ndizothandiza kwambiri kulingalira za zochitika zomwe zingachitike komanso zomwe zingakhudze chuma, chabwino kapena choipa. Pankhani ya ngongole yayikulu, ndikofunikira kukayikira momwe mungachitire.
Mlozerawu umagwiritsidwanso ntchito powerengera chiwongola dzanja pa ngongole zomwe zimagulitsidwa, komanso nkhani zangongole zosinthika ndi zinthu zina zachuma.
Zomwe muyenera kukumbukira pa nthawi ya ngongole
Popeza kuti Euribor ndiyo ndondomeko yogwiritsidwa ntchito kwambiri powerengera kubwereza kwa chiwongoladzanja chosinthika mu ngongole zanyumba, siziyenera kukhala zachilendo kudziwa mozama zomwe zikutanthauza mu ndalama zanu. Ubale pakati pa Euribor ndi ngongole uli pafupi kwambiri komanso womanga. M'lingaliro limeneli, ndikukuwonetsani ubwino ndi kuipa kosankha chiwongoladzanja chosinthika.
1. Ubwino wa Euribor
- Zokonda ndizochepa: panthawiyi zonse zidzadalira pazochitika zachuma. Ngongole ikadzasintha mu Euribor, muchuma chomwe chili ndi chiwongola dzanja chochepa, the malipiro a mwezi ndi mwezi atsika. Pachifukwa ichi, mtengo wa mwezi uliwonse womwe uyenera kulipidwa ndi wotsika.
- Ili ndi nthawi yayitali: mtengo wosinthika umapereka kusinthasintha kowonjezereka mu nthawi yobwezera ngongoleyo. Ngati mukuyenera kulipira malipiro ochepa pamwezi, iyi ndi njira yabwino kwambiri, ziribe kanthu ngati nthawi yobwereketsa ngongole ikuwonjezeka.
2. Kuipa kwa Euribor
- Chidwi chosinthika: kutsika kumachitika pamene mtengo wa index index umakonda kukwera. bwino ndi Mtengo wa magawo ukhoza kukwera.
- Bzalani kusatsimikizika: Kusadziwa ndalama zomwe zidzalipidwe kumapeto kwa ngongole sikophweka. Chifukwa mawuwo ndi aatali kwambiri, Zaka 10, mwachitsanzo, zimapangitsa kuti zikhale zosatheka kuyembekezera khalidwe la Euribor.
Tiyenera kukumbukira kuti chiwongola dzanja chimawunikidwa miyezi isanu ndi umodzi iliyonse kapena chaka chilichonse, kutengera kusinthika kwa index yomwe yatchulidwa. Chifukwa chake, malipiro a ngongole amatha kukwera kapena kutsika. Ngongoleyi idzafotokozera tsiku lomwe lidzatengedwe kuti mupeze mtengo wamtengo wapatali wa Euribor womwe udzaganizidwe pakuwunikanso magawowo.
Euribor poyang'anizana ndi kusintha kwachuma
Euribor ikukwera ndi kutsika chifukwa cha mphamvu yomwe ili nayo, mkhalidwe wachuma ku Ulaya ndi zisankho za European Central Bank. Zinthu izi zimakhudza mwachindunji mtengo wa ndalama m'mabanki, zomwe mtengo wa ndondomekoyi umadalira.
Chinthu chinanso ndi kuchuluka kwa ndalama zomwe zikuyenda m’misika. Ngati pali zochepa, mtengo wa Euribor umayamba kukwera, chifukwa zimamveka kuti ndalama ndizochepa. Kumbali yawo, mabanki amawona chiwopsezo chomwe amakumana nacho akabwereketsa ndalama kubanki ina. Ngati atsimikiza kuti chiwopsezo ndi chachikulu kwambiri, mtengo wa ndalama ukuwonjezeka, ndipo zomwezo zimachitika ndi Euribor.
Chisinthiko cha Euribor chakhudzidwa ndi kusintha Economic ku Ulaya. Mu 2021, index idakhalabe yoyipa, makamaka -0,502%. Kumayambiriro kwa 2022 idakwera -0,477%, komabe, ngongole zanyumba zakhala zokwera mtengo. Koma akatswiri amati ikhalabe yotsika.
Pofuna kupangitsa kuti pakhale kuwonekera kwambiri pakubweza ngongole, European Central Bank idayamba kugwiritsa ntchito benchmark yatsopano yotchedwa €STR, wotchedwa Madera. Nthawi zambiri amafanizidwa ndi Euribor, koma aliyense amakwaniritsa ntchito yake. Euribor imagwiritsidwa ntchito ngati cholembera chiwongola dzanja pa miyezi kapena chaka, pamene Ester akuwonetsera mtengo wa ntchito za interbank tsiku limodzi.
Ndi zonsezi, chinthu chabwino kwambiri chomwe mungachite pazachuma ndikufunsana ndi katswiri musanapemphe ngongole yanyumba. Upangiri waukatswiri ukhoza kukuchotsani ku chikaiko ndipo mudzakhala ndi chidaliro panjira yomwe mungatenge kuti mukwaniritse maloto anu.
