Chiwongola dzanja chokhazikika motsutsana ndi chiwongola dzanja chosinthika
Ngongole zanyumba zosinthika nthawi zambiri zimapereka mitengo yotsika komanso kusinthasintha, koma mitengo ikakwera, mutha kulipira zambiri kumapeto kwa nthawiyo. Ngongole zokhazikika zimatha kukhala ndi mitengo yokwera, koma zimabwera ndi chitsimikizo kuti mudzalipira zomwezi mwezi uliwonse pa nthawi yonseyi.
Nthawi iliyonse yobwereketsa ngongole, imodzi mwazosankha zoyambira ndikusankha pakati pa mitengo yokhazikika kapena yosinthika. Ichi ndi chimodzi mwazosankha zofunika kwambiri zomwe mungapange, chifukwa zingakhudze malipiro anu pamwezi komanso mtengo wangongole yanu pakapita nthawi. Ngakhale zingakhale zokopa kupita ndi mtengo wotsika kwambiri womwe umaperekedwa, sizophweka. Mitundu yonse iwiri ya ngongole zanyumba ili ndi zabwino ndi zoyipa zake, kotero muyenera kumvetsetsa momwe ndalama zanyumba zokhazikika komanso zosinthira zimagwirira ntchito musanapange chisankho.
M'nyumba zobwereketsa zokhazikika, chiwongola dzanja chimakhala chofanana nthawi yonseyi. Zilibe kanthu kuti chiwongola dzanja chikukwera kapena kutsika. Chiwongola dzanja pa ngongole yanu yanyumba sichidzasintha ndipo mudzalipira zomwezo mwezi uliwonse. Ngongole zanyumba zokhazikika nthawi zambiri zimakhala ndi chiwongola dzanja chokwera kuposa chiwongola dzanja chifukwa zimatsimikizira chiwongola dzanja chokhazikika.
Chitsanzo chokhazikika cha ngongole yanyumba
Kevin Davis sagwira ntchito, kulangiza, kugawana nawo, kapena kulandira ndalama kuchokera ku kampani kapena bungwe lililonse lomwe lingapindule ndi nkhaniyi, ndipo sanaulule chilichonse chogwirizana ndi maphunziro ake.
M’nthaŵi ngati ino, pamene pali kusatsimikizirika kwakukulu ponena za chiwongoladzanja cha chiwongoladzanja, obwereka amalandira uphungu wochuluka wa kusankha chiwongola dzanja chokhazikika kapena chosiyana. Tsoka ilo, ambiri aiwo sanakhazikike bwino.
Kupatulapo zochepa, mabanki amakhazikitsa mitengo yawo yokhazikika potengera zomwe akuyembekezera pakusintha kwamtsogolo kwa chiwongola dzanja. Iwo ali ndi magulu ankhondo a zachuma ndi akatswiri omwe amaganizira zonse zomwe zilipo kuti apange mawerengedwe.
Izi zikutanthauza kuti chiyembekezero cha banki pa zomwe adzalandira kuchokera kwa kasitomala pa moyo wonse wa ngongole yokhazikika zimatha kukhala zofanana ndi zomwe akuyembekezera kuchokera kwa kasitomala pa moyo wa ngongole yosinthika. Mumapeza phindu lofanana muzochitika zonsezi.
Obwereketsa poganizira ngati angasankhe ngongole yokhazikika kapena yosinthika ayenera kuganizira zina. Pankhani ya ngongole zokhazikika, ndalama za mwezi uliwonse zimakhazikitsidwa kwa zaka zingapo. Kwa ambiri chimenecho ndi chinthu chabwino. Amadziwa kuti (panthawi yomwe ngongoleyo idakhazikitsidwa) malipiro awo sadzakwera kuposa zomwe amayembekezera.
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Pamene Komiti ya Monetary Policy (MPC) inaganiza zochepetsera chiwongoladzanja mu August 2016, potsatira referendum ya EU, chiwerengero cha ngongole zanyumba zatsopano zomwe zimakhala ndi nthawi yayitali zogulitsira nyumba zinayamba kukula (Tchati A) .
Kukayikakayika kochulukira pazachuma ku UK komanso chiwongola dzanja chamtsogolo chikhoza kulimbikitsa obwereka kuti atseke chiwongola dzanja chawo kwa nthawi yayitali. Gawo la ngongole zanyumba zatsopano zokhala ndi mitengo yokhazikika yanthawi yayitali zidakwera ndi 10% pakati pa Ogasiti 2016 ndi Ogasiti 2017.
Mitengo yotsika mtengo yobwereketsa kwa nthawi yayitali yokhazikika yokhazikika ikuwoneka kuti ikuyendetsa kukula kwa mankhwalawa, kuposa kukhazikitsidwa kwa malamulo othekera mu 2014. Ngongole zanyumba zanthawi yayitali zakhala zotsika mtengo poyerekeza ndi zinthu zina zobwereketsa mu zaka zisanu ndi chimodzi zapitazi.
Ngongole zanyumba zosiyanasiyana
Ngongole Zanyumba Ubwino ndi kuipa kwa Ngongole Zosinthana Zokhazikika…Zinenero Zomwe Zilipo Daragh CassidyChief Wolemba Anthu ochulukirapo akusankha mitengo yokhazikika kuposa mitengo yosinthika chifukwa imapereka bata ndi mtendere wamalingaliro. Izi zati, chiwongola dzanja chilichonse chimakhala ndi zabwino ndi zoyipa zake. Mutha kudziwa kusiyana pakati pa kubwereketsa kosinthana ndi ngongole yobwereketsa (ngati simukudziwa, dinani apa), koma kodi mukudziwa zabwino ndi zoyipa za chilichonse? Ndipo mukudziwa kuti ndi mtundu uti womwe umakwaniritsa zosowa zanu?
Kusinthasintha mosakayikira ndiko mwayi waukulu kwambiri wosinthika. Simuyenera kudandaula za zilango ngati mukufuna kuonjezera malipiro anu a mwezi uliwonse, kulipira msanga kapena kusinthana ndi obwereketsa, ndipo mukhoza kupindula ndi chiwongoladzanja chochepa cha ECB (ngati wobwereketsa wanu akuwayankha).
Mitengo yosinthika ilibe kukhazikika kapena kulosera, zomwe zikutanthauza kuti muli pachiwopsezo cha kusintha kwamitengo. Inde, chiwongoladzanja chikhoza kutsika panthawi ya ngongole, koma ikhoza kukweranso. Kusintha kwamitengo ndikovuta kuneneratu ndipo zambiri zitha kuchitika pakangongole yazaka 20 kapena 30, ndiye kuti mutha kukhala pachiwopsezo chazachuma posankha mtengo wosinthika.
