Euribor yakhala yoipa kwa zaka zambiri ndipo yathyola chotchinga -0,5% kangapo. Izi zili choncho chifukwa panali mabungwe omwe ankayenera 'kulipira' makasitomala awo powabwereketsa ndalama. Komabe, masiku a anomaly awa amawerengedwa chifukwa cha kukwera kwa index yomwe 80% ya ngongole zanyumba ku Spain zimatchulidwira.
Chiwongoladzanja cha ngongole yosinthika, kawirikawiri, imawerengedwa powonjezera kusiyana (komwe kumakhazikika) ndi Euribor. Ndi omalizawo anali olakwika komanso otsika m'mbiri, adazindikira kuti ndalamazo zidakhala zoipa. M’mawu ena, bankiyo sinalipiritse chiwongola dzanja kokha koma inayenera kulipira.
Kumapeto kwa 2020 panali ndemanga yayikulu m'zachuma yomwe akuluakulu onse adadziyika okha mokomera kulipira mabanki kuti akhale ndi makasitomala omwe amadziwika kuti atayika ndi chiwongola dzanja choyipa. "Ndikuganiza kuti lamuloli liyenera kugwiritsidwa ntchito nthawi zonse. Ngati palibe zoletsa zalamulo m'dziko lililonse kapena maulamuliro adziko, mgwirizanowu udzachitika monga momwe akuyembekezeredwa. Ngati apita (chiwongola dzanja cha ngongole zobwereketsa) kumalo olakwika, ndiye kuti ndi zomwe mgwirizanowu umakhazikitsa ndi zomwe ziyenera kulemekezedwa, "anatero José Manuel Campa, pulezidenti wa European Banking Authority (EBA, chifukwa cha chidule chake mu Chingerezi). .
Kusintha kwa Euribor ya miyezi 12
Paperesenti (%)
Avereji yokhazikika, mpaka Lachisanu
March 25
Kusintha kwa Euribor
pa miyezi 12
Paperesenti (%)
media media,
mpaka Lachisanu Marichi 25
Mabungwewo amadziteteza okha ndikukana kuyigwiritsa ntchito nthawi zonse chifukwa amawona kuti izi zikutsutsana ndi mgwirizano wa ngongoleyo. Kuphatikiza apo, mkangano wazamalamulowu ukhoza kutheka pokhapokha lamulo lanyumba lanyumba la 2019 lisanachitike.
Chifukwa chake, monga momwe ABC idawululira, panali mabungwe omwe anali kutsatira kale dongosolo la purezidenti wa EBA. Umu ndi mmene zinalili ndi Bankinter, pamene panali milandu ingapo imene bankiyo ‘inali kulipira’ wogulayo chifukwa chomubwereketsa ndalama.
Malingaliro omwe adapezeka anali okhudzana ndi kusinthasintha kwa ndalama zomwe zimatchedwa ndalama zambiri zobwereketsa ndalama, ndiko kuti, zikhoza kugawidwa muzogawanika zomwe zinagwirizana mu mgwirizano, pempho lochokera kwa wobwereketsa, ndikusintha ndalama monga momwe akufunira.
Ngongole zanyumba izi zomwe kasitomala 'akulipiritsa' zizikhala za ndalama zakunja, monga paundi, yen, dola ... euro. Kamodzi pansi pa ndalama za ku Ulaya, kusiyana komwe kunagwiritsidwa ntchito sikunali kokwanira kuthetsa ziwerengero zoipa za Euribor.
Kumeneko Bankinter - komanso bungwe lina lazachuma - adayamba kupereka chiwongola dzanja choyipa kwa omwe adabwereketsa nyumba, pambuyo pokambirana. Koma izi sizinatanthauze kuti banki ikulembetsa chakudya ku akaunti ya kasitomala yomwe ikufunsidwa. Njira yosankhidwa inali yowonjezerera ku likulu lomwe lidaperekedwa mwezi uliwonse wangongole. Chitsanzo: ngati wogwiritsa ntchito adalipira ndalama zokwana 1.000 mayuro pamwezi, Bankinter anali kubweza ma euro 1.030. Kusiyana kwa ma euro 30 pakati pa ndalama ziwirizi kumawonekera mumalisiti anu monga chiwongola dzanja chokhala ndi chizindikiro choyipa.
Izi zomwe zimawononga ndalama kuti banki ipereke ngongole iyenera kutha ndi kusintha kwa Euribor. Poyerekeza ndi -0.502% yomwe idafikiridwa pamndandanda wa miyezi 12 mu Disembala watha, tsopano avareji ya mwezi wa Marichi ndi -0.266%… ndi foisendo. Lachisanu, Marichi 25, idafika -0.142% ndipo ngati izi zipitilira, zikadafika kale m'miyezi ingapo.
Panthawiyo, pamene ndondomekoyi inali pazikhalidwe zoipa zotere, ndizotheka kuti chiwongoladzanjacho chinali cholakwika pa ngongole zanyumba zomwe zimakhala zochepa kwambiri, zosakwana 0,5%.
Komabe, muzochitika tsopano za ziwerengero zomwe tatchulazi komanso ngakhale kuloza ku deta yabwino, zidzakhala zosapeŵeka kuti makasitomala onse amathera ndi vuto ili la ngongole yobwereketsa kuti palibe kusiyana kotero kuti kutsika kwambiri kuposa Euribor muzochitika. momwe ikuyenda pano.
Kusintha kwa Njira
Choncho, kukwera kwa Euribor sikungobweretsa mapeto a ngongole zoipa, komanso kusintha kwa njira zamalonda zamabanki.
Mpaka pano, ngongole zokhazikika zidakwezedwa chifukwa inali njira yokhayo yotsimikizira chiwongola dzanja chochepa pomwe Euribor idapitilira kugwa. Mitengo yamtunduwu yatsika ngakhale pansi pa 1%.
Tsopano kuti indexyo ikuloza kale kulowa zobiriwira, banki yatenga mwayi wotembenuza zomwe amapereka. Ayamba kale kulanga mtengo wokhazikika - ngakhale akadali wotchipa poyerekeza ndi nthawi zakale- ndi kulimbikitsa mtengo wosinthika, kuyembekezera kuti zidzawapatsa phindu lalikulu lachuma. M'lingaliro limeneli, Banco Santander, Bankinter, BBVA, Ibercaja ... achitapo kale poyankha kuwonjezeka kwa Euribor. Iwo apanga izo mwa kuonjezera mtengo wa ngongole, kuchepetsa zomwe zimasinthasintha, kapena zonse panthawi imodzi malingana ndi milandu iti.
