euribor ndi chiyani
Kusintha kwa IBOR ndi chimodzi mwazosintha kwambiri m'misika yayikulu kuyambira pomwe euro idakhazikitsidwa Kwazaka zambiri, mitengo yachiwongola dzanja ya interbank (IBOR) yakhala ikugwiritsidwa ntchito ngati chiwongolero cha chiwongola dzanja m'misika yazachuma padziko lonse lapansi. Masiku ano, mapangano ambiri azandalama, monga ngongole, zotengera, zosunga zobwezeretsera, ndi ma depositi akubanki, amakhazikika pamitengo imeneyi.
Mu 2013, mayiko a G20 adayambitsa kusintha kwa ma benchmark rate system. Ma IBOR osiyanasiyana omwe akugwiritsidwa ntchito akukonzekera kusinthidwa kapena kusinthidwa pang'onopang'ono ndi mitengo yopanda ngozi (RFRs) kapena njira zina zowerengera (ARRs).
EURIBOR (Euro Interbank Offered Rate), imodzi mwama IBOR akuluakulu, yasinthidwa mogwirizana ndi BMR ndipo ipitilira kukhalapo pakanthawi kochepa. Kusintha kwa EURIBOR kunamalizidwa mu Novembala 2019. Zotsatira zake, EURIBOR ikhoza kupitiliza kugwiritsidwa ntchito ngati chiwongola dzanja.
ISDA ndi magulu angapo ogwira ntchito a IBOR ndi owongolera alimbikitsa kuti omwe akuchita nawo msika azitsatira ISDA 2020 IBOR Fallbacks Protocol kuti achepetse mtengo wamalonda apakati pamsika.
adalah reference type
Kuchokera pa 1,98% APR m'miyezi isanu ndi umodzi yoyambirira mpaka ku Euribor +1,98% kuyambira mwezi wachisanu ndi chiwiri, VariableAPR 2,19% 1.Euribor +0,88% kuyambira mwezi wachisanu ndi chiwiri, malinga ndi mikhalidwe. Zosintha zaAPR 1,55% 2.
Bonasi pazipita mfundo imeneyi idzakhala 0,50% ya chiwongola dzanja chogwiritsidwa ntchito mwadzina, mosasamala kanthu za katundu kapena ntchito zomwe wobwereka, kapena obwereka ngati alipo angapo, apanga mgwirizano.
Kupatsa banki chiphaso champhamvu chamagetsi m'nyumba kapena nyumba iliyonse yomwe ili ndi ngongole yanyumba, yomwe ili ndi gulu A+, A kapena B molingana ndi ziphaso zomwe zimaperekedwa ndi makampani odziwika m'gawoli, kapena satifiketi yokhazikika yanyumba yoperekedwa kwa BREEAM. , LEED, VERDE kapena PASSIVE HOUSE: 0,10% kuchotsera pa chiwongoladzanja chodziwika bwino.
Nthawi yochuluka: zaka 25. Zonse kwa nyumba yaikulu ndi nyumba yachiwiri, wofuna chithandizo ayenera kupereka, kudzera mu ndalama zawo, kusiyana pakati pa mtengo wogulitsa ndi ndalama zomwe zaperekedwa. Kutalika kwa ngongole yobwereketsa kuphatikizapo zaka za mwiniwakeyo sizingawonjezere zaka zoposa 80.
Mtengo wa Euribor
Mlingowo umawerengedwa poganiza kuti ndalama zangongole zimaperekedwa nthawi yomweyo komanso mokwanira komanso kuti ndalama zoyambira ndi chiwongola dzanja zidzabwezeredwa ngati malipiro a mwezi uliwonse monga annuities. Mgwirizano wa ngongole umatsimikiziridwa ndi ngongole yanyumba. Mukatenga ngongole, pangano la inshuwaransi yanyumba liyenera kusaina. Mtengowu suphatikizanso ndalama zomwe zimagwirizanitsidwa ndi kukhazikitsa kapena kusungitsa chikole.
Ana ofika zaka 18 ndi achibale omwe alibe ndalama zokhazikika (mwachitsanzo, mwamuna kapena mkazi yemwe ali patchuthi choberekera kapena abambo ndipo samalandira phindu la makolo) amaonedwa ngati odalira.012 kapena kuposerapo.
Euribor 12 m
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
