Mayiko omwe ali ndi chiwongola dzanja
LIBOR, yomwe imayimira London Interbank Offered Rate, ndi chiwongola dzanja chovomerezeka padziko lonse lapansi chomwe chikuwonetsa mtengo wa ngongole pakati pa mabanki. Intercontinental Exchange (ICE) imawerengera ndipo idzapitiriza kufalitsa mlingo tsiku ndi tsiku, koma chifukwa cha zonyansa zaposachedwa komanso kukayikira za kutsimikizika kwake monga chiwerengero chofotokozera, chikuchotsedwa. Malinga ndi olamulira a Federal Reserve ndi UK, LIBOR idzachotsedwa pa June 30, 2023 ndikusinthidwa ndi Secured Overnight Financing Rate (SOFR). Monga gawo lakuchotsa uku, mitengo ya USD LIBOR ya sabata limodzi ndi miyezi iwiri sidzasindikizidwanso pambuyo pa Disembala 31, 2021.
LIBOR ndiye chiwongola dzanja chomwe mabanki otsogola padziko lonse lapansi amabwereketsa. Zimatengera ndalama zisanu, kuphatikiza dola yaku US, yuro, paundi yaku Britain, yen yaku Japan ndi Swiss franc, ndipo imagwira ntchito zokhwima zisanu ndi ziwiri zosiyana: usiku umodzi/mawa, sabata imodzi ndi imodzi, ziwiri, zitatu, zisanu ndi chimodzi. Miyezi 12
Kuphatikizika kwa ndalama zisanu ndi zokhwima zisanu ndi ziwiri kumabweretsa kuchuluka kwa 35 mitengo ya LIBOR yowerengedwa ndikufotokozedwa tsiku lililonse lazamalonda. .
Mtengo wa chiwongola dzanja ku Spain
Kodi ma depositi anyumba amagwira ntchito bwanji ku Ireland? Musanatenge ngongole kuti mugule nyumba ku Ireland, mudzafunika ndalama. Umu ndi momwe amagwirira ntchito komanso kuchuluka komwe mungafunikire kuti mukhale nako pakusunga.Kukonzekera Kufunsira Ngongole Kukonzekera koyenera kungapangitse mwayi wanu wovomerezedwa kubwereketsa nyumba. Nawa masitepe 7 okuthandizani kukonzekera kubweza ngongole.Inshuwaransi ndi zolipiraKalozera wa inshuwaransi yachitetezo chanyumba ku IrelandInshuwaransi yachitetezo chanyumba yobwereketsa imapereka chitetezo chandalama kwa inu ndi wobwereketsa wanu. Nayi mitundu yosiyanasiyana komanso momwe mungapezere chithandizo choyenera. Kupeza inshuwaransi yoyenera kuti ikutetezeni inu ndi nyumba yanu pazachuma ndikofunikira. Kodi ntchito ya sitampu imagwira ntchito bwanji ku Ireland? Pansipa tikufotokozerani momwe msonkho wamilandu zolembedwa umagwirira ntchito komanso momwe ungakuwonongereni.
Ndi ma Calculator athu oyerekeza anyumba, mutha kudziwa kuchuluka kwa ndalama zomwe mungabwereke, zomwe mungabweze pamwezi komanso kubwezeredwa kapena zolimbikitsira zomwe zikupezeka kuchokera kwa obwereketsa otsogola ku Ireland.
Mtengo wapatali wa magawo ECB
Kumanga inshuwaransi ndikofunikira mukatenga ngongole yanyumba yaku Portugal. Zomwe zimafunikira nthawi zambiri zimakhala zotsutsana ndi moto ndi kusefukira kwa madzi. Ndalama za inshuwaransi zidzatengera mtengo womangidwanso wa malowo.
Mabanki ena amafunikira inshuwaransi ya moyo kwa omwe akufunsira kwambiri kapena kwa onse omwe abwereketsa ngongole. Tikudziwitsani za chofunikira ichi tikakupatsirani chikalata chobwereketsa nyumba.
Chiwongola dzanja chiyenera kuganiziridwa pokonzekera kubwereka malo. Liability coverage ndi inshuwaransi yomwe mwasankha. Kuti muwone mndandanda watsatanetsatane wamakalata ofunikira, dinani apa. Mabanki amapereka ngongole zanyumba kuti apeze, kumanga ndi kutulutsa ndalama.
Mitundu yodziwika bwino ya ngongole zanyumba ndi kubweza ndalama zokhala ndi chiwongola dzanja chosinthika kapena chokhazikika. Kodi chiwongola dzanja cha Euribor ndi chiyani? Chiwongoladzanja cha chiwongoladzanja chosinthika chiwongoladzanja cha Chipwitikizi chikugwirizana ndi chiwongoladzanja cha Euribor pa miyezi 3 kapena 6 ndikuwonjezeka ndi malire (kufalikira) komwe banki ikugwiritsa ntchito.
Ziwerengero za chiwongola dzanja cha ECB
European Central Bank, yomwe imaika chiwongola dzanja cha maiko 19 a ku Europe omwe amagwiritsa ntchito yuro, komanso Banki Yaikulu ya ku Japan achepetsanso thandizo lazachuma, ngakhale kuti asiya kuchepetsa chiwongola dzanja mpaka pano.
Chiwongola dzanja ndi mtengo wakubwereka ndalama, zomwe nthawi zambiri zimawonetsedwa ngati chiwongola dzanja chapachaka. Ndi chimodzi mwa zida zazikulu zomwe mabanki apakati angagwiritse ntchito kuyesa kuchepetsa kuwonjezeka kwa mitengo, kukwera kwa mitengo. Kukwera kwachuma, komanso kuchuluka kwachuma pomwe chuma chapadziko lonse lapansi chikubwerera ku mliri, kukupangitsa kuti kukwera kwamitengo kukhale kwatsopano. Pachifukwa ichi, mabanki apakati - omwe amayang'anira ndalama ndi ndondomeko ya ndalama za dziko lililonse- akuchitapo kanthu.
Ngati munatenga ngongole kuti mugule nyumba yanu ku UK, mtengo wagawo lanu pamwezi ukhoza kukwera. Ndalamayi idzadalira kukula kwa ngongole yanu. Mwachitsanzo, kutengera chiwongola dzanja chapakati cha £140.000, bungwe lamabanki ku UK Finance limawerengera chiwonjezeko chapakati cha £15 pamwezi pakukweza kwaposachedwa kwa Bank of England. Izi ndi za obwereketsa 850.000 angongole zotsatiridwa, mtundu wa chiwongola dzanja chosinthika.
