Ubwino ndi kuipa kwa chiwongola dzanja chokhazikika
Ngongole zanyumba zosinthika nthawi zambiri zimapereka mitengo yotsika komanso kusinthasintha, koma mitengo ikakwera, mutha kubweza ndalama zambiri mtsogolo. Ngongole zokhazikika zimatha kukhala ndi mitengo yokwera, koma zimabwera ndi chitsimikizo kuti mudzalipira ndalama zomwezo 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.
Ngongole yokhazikika
ONANI: Pankhani ya chiwongoladzanja cha chiwongola dzanja, mitengo yokhazikika imakhala yodula kuposa mitengo yosinthika, chifukwa anthu ambiri amalolera kulipira zambiri kuti asamade nkhawa ndi kusinthasintha kulikonse kwachuma. Komabe, nkhawa za kutsika kwachuma kwapangitsa kuti mitengo yokhazikika ikhale njira yotsika mtengo kwambiri. - Novembala 23, 2019
Nthawi zambiri, kusintha kuchokera pamtengo wosinthika kupita kumtengo wokhazikika kumapeto kwa nthawi yanu yobwereketsa kumatanthauza kusaina mtengo wapamwamba. Mitengo yokhazikika yanyumba nthawi zambiri imakhala yokwera kuposa mitengo yosinthika chifukwa anthu ali okonzeka kulipira zambiri kuti atonthozedwe podziwa kuti chiwongola dzanja chawo sichisintha.
Komabe, mitengo yokhazikika yobwereketsa yagwera pansi pamitengo yosinthika kwa miyezi, chochitika chosowa chomwe chikuwonetsa nkhawa ya Investor ponena za kuthekera kwa kugwa kwachuma kwamtsogolo ku US ndi Canada.WERENGANI ZAMBIRI: Ndi mitengo yokhazikika pansi pamitengo yosinthika, msika wanyumba uli pachiwonetsero , chiwerengero chotsika kwambiri cha zaka zisanu chomwe chilipo m'dziko lonse pa ngongole yobwereketsa pakali pano ndi 2,79%, malinga ndi Robert McLister, yemwe anayambitsa malo ofananitsa mitengo ya RateSpy.com. Chiwerengero chotsika kwambiri cha zaka zisanu ndi 2,89%, zomwe zikutanthauza kuti omwe ali ndi chiwerengero chosiyana ndi zaka zisanu akhoza kupeza chiwerengero chochepa cha zaka zisanu kuposa chomwe chilipo. Ndipo ndi chiyani chomwe chili chabwino kuposa kupeza mtengo wabwinoko komanso mtendere wamumtima pakubweza ngongole yokhazikika? Nkhani ikupitilira pansipa malonda
Ubwino ndi kuipa kwa chiwongola dzanja chokhazikika komanso chosinthika
Kusankha kwangongole yokhazikika kapena yosinthika kutengera zomwe mumakonda. Pansipa, tikuwona kusiyana pakati pa ngongole zanyumba zokhazikika komanso zosinthika kuti zikuthandizeni kusankha chomwe chili chabwino kwa inu.
Pali njira zambiri zopangira ngongole zanyumba. Izi zikuphatikizapo mtundu wa malipiro (mwachitsanzo, "chachikulu ndi chiwongoladzanja" motsutsana ndi "chiwongoladzanja chokha") ndi chiwongoladzanja. M'nkhaniyi tikambirana za chiwongola dzanja komanso momwe zingakhudzire ngongole yanyumba.
Ngongole yachiwongola dzanja chokhazikika ndi imodzi yomwe chiwongola dzanja chimatsekeredwa (ie, chokhazikika) kwa nthawi yodziwika, nthawi zambiri pakati pa chaka chimodzi kapena khumi. Pa nthawi imene chiwongoladzanja chakhazikitsidwa, chiwongoladzanja ndi magawo ofunikira sasintha.
Mosiyana ndi izi, ngongole ya ngongole yobwereketsa ingasinthe nthawi iliyonse. Obwereketsa amatha kuwonjezera kapena kuchepetsa chiwongola dzanja chokhudzana ndi ngongoleyo. Chiwongola dzanja chikhoza kusintha potengera zisankho zomwe Reserve Bank yaku Australia yachita, komanso zinthu zina. Chiwongola dzanja chochepa chomwe chikufunika chidzawonjezeka ngati chiwongoladzanja chidzakwera, ndikutsika ngati chiwongoladzanja chitsika.
30-year variable mitengo yanyumba
ZINDIKIRANI: Pankhani ya chiwongola dzanja cha chiwongola dzanja, mitengo yokhazikika imakhala yokwera mtengo kuposa mitengo yosinthika, chifukwa anthu ambiri amalolera kulipira zambiri kuti asamade nkhawa ndi kusinthasintha kulikonse kwachuma. Komabe, nkhawa za kutsika kwachuma kwapangitsa kuti mitengo yokhazikika ikhale njira yotsika mtengo kwambiri. - Novembala 23, 2019
Nthawi zambiri, kusintha kuchokera pamtengo wosinthika kupita kumtengo wokhazikika kumapeto kwa nthawi yanu yobwereketsa kumatanthauza kusaina mtengo wapamwamba. Mitengo yokhazikika yanyumba nthawi zambiri imakhala yokwera kuposa mitengo yosinthika chifukwa anthu ali okonzeka kulipira zambiri kuti atonthozedwe podziwa kuti chiwongola dzanja chawo sichisintha.
Komabe, mitengo yokhazikika yobwereketsa yagwera pansi pamitengo yosinthika kwa miyezi, chochitika chosowa chomwe chikuwonetsa nkhawa ya Investor ponena za kuthekera kwa kugwa kwachuma kwamtsogolo ku US ndi Canada.WERENGANI ZAMBIRI: Ndi mitengo yokhazikika pansi pamitengo yosinthika, msika wanyumba uli pachiwonetsero , chiwerengero chotsika kwambiri cha zaka zisanu chomwe chilipo m'dziko lonse pa ngongole yobwereketsa pakali pano ndi 2,79%, malinga ndi Robert McLister, yemwe anayambitsa malo ofananitsa mitengo ya RateSpy.com. Chiwerengero chotsika kwambiri cha zaka zisanu ndi 2,89%, zomwe zikutanthauza kuti omwe ali ndi chiwerengero chosiyana ndi zaka zisanu akhoza kupeza chiwerengero chochepa cha zaka zisanu kuposa chomwe chilipo. Ndipo ndi chiyani chomwe chili chabwino kuposa kupeza mtengo wabwinoko komanso mtendere wamumtima pakubweza ngongole yokhazikika? Nkhani ikupitilira pansipa malonda
