Iyo Euribor yanga isina kunaka kwemakore uye yakatyora -0,5% chipinganidzo kakawanda. Izvi zviri kukonzerwa nenyaya yekuti paive nemasangano aifanira 'kubhadhara' vatengi vavo kuti vavakweretese mari. Nekudaro, mazuva eanomaly aya akaverengerwa zvakapihwa maitiro ekumusoro mune index iyo 80% yemamortgage muSpain anorehwa.
Iko kufarira kweiyo inoshanduka mortgage, kazhinji, inoverengerwa nekuwedzera mutsauko (iyo yakagadziriswa) uye Euribor. Nevekupedzisira mune zvakaipa uye pakuderera kwenhoroondo, akaziva nezvenyaya yekuti mari iyi yakave isina kunaka. Nemamwe mashoko, bhangi harina kungochaja mhindu chete asi kuti raitofanira kuribhadhara.
Pakupera kwa2020 pakave newongororo huru muchikamu chezvemari kuti chiremera chose chakazvimiririra mukuda kubhadhara mabhanga kuti ave nevatengi vanozivikanwa nekurasikirwa nembavarira yakaipa. "Ini ndinofunga kuti mutemo unofanirwa kushandiswa mune zvese. Kana pasina zvirambidzo zvemutemo mune chero nyika kana masimba enyika, kondirakiti ichaitwa sezvaitarisirwa. Kana vakaenda (mubereko pazvikwereti zvembatya) munzvimbo isina kunaka, ndizvo zvinotangwa nekondirakiti uye izvo zvinofanirwa kuremekedzwa, ”akadaro José Manuel Campa, purezidhendi weEuropean Banking Authority (EBA, nechidimbu chayo muChirungu).
Evolution yemwedzi gumi nemaviri Euribor
Muchikamu (%)
Provisional avhareji, kusvika Chishanu
March 25
Kushanduka kweEuribor
pamwedzi gumi nemasere
Muchikamu (%)
media media,
kusvika Chishanu Kurume 25
Masangano anobva azvidzivirira uye akaramba kuishandisa muzviitiko zvese sezvo vachifunga kuti zvinopesana nechimiro chechibvumirano chechikwereti pachacho. Pamusoro pezvo, gakava remutemo iri rinogona kungoitika mumakiredhiti pamberi pemutemo mutsva wemortgage wa2019.
Saka, sekuratidzwa kwakaitwa ABC, pakanga paine masangano akange ave kutevedzera hurongwa hwemutungamiri weEBA. Iyi ndiyo nyaya yeBankinter, pakanga pane zviitiko zvakawanda apo bhangi rakanga richi'bhadhara' mutengi pakumukweretesa mari.
Mafungiro akaonekwa aive pamusoro pekushanduka-mwero uye anonzi ma-multi-currency mortgages, ndiko kuti, anogona kuve akaiswa mune chero akakamurwa mitengo yakabvumiranwa muchibvumirano, chikumbiro kubva kune wemondi, uye shandura mari sezvavanoda.
Iyi mbavha iyo mutengi ari 'kuchaja' ichatanga iine mari yekunze, senge pondo, yen, dhora ... uye, nekukwira nekudzika kwemisika, avo vakabatiswa vakasarudza kuzvidzivirira mumisika. euro. Pane imwe nguva pasi pemari yeEurope, musiyano wakashandiswa wakanga usina kukwana kukunda nhamba isina kunaka yeEuribor.
Ikoko Bankinter - uyezve rimwe sangano rezvemari- rakatanga kubhadhara chikwereti chisina kunaka kune vakati wandei vevakwereti varo, mushure mekutaurirana. Asi izvo hazvina kuturikira mubhangi kunyoresa diner kuaccount yemutengi ari mubvunzo. Yakasarudzwa fomula yaive yekuiwedzera kune capital iyo yaibhadharwa mwedzi wega wega wechikwereti. Muenzaniso: kana mushandisi akabhadhara mubhadharo wepamwedzi we1.000 euros, Bankinter yaive amortizing 1.030 euros. Musiyano we30 euros pakati pemari mbiri idzi unoratidzwa mumarisiti ako semubereko une chiratidzo chisina kunaka.
Mamiriro ezvinhu aya panoda mari kuti bhanga ripe chikwereti anotozopera nekushanduka kweEuribor. Kuenzaniswa ne -0.502% iyo yakasvikwa mumwedzi gumi nemiviri mwedzi waZvita apfuura, avhareji yemwedzi waKurume ndeye -12%… uye foisendo. NeChishanu, Kurume 0.266, yakasvika -25% uye kana maitiro akaenderera mberi, anenge atosvika pahunhu hwakanaka mumwedzi mishoma.
Panguva iyoyo, iyo index yaive pamaitiro asina kunaka akadaro, zvinogoneka kuti mubereko waive wakashata pane izvo zvikwereti zvine kupararira kwakaderera, zvisingasviki 0,5%.
Zvisinei, mumamiriro ezvinhu iye zvino ehuwandu hwambotaurwa uye kunyange kunongedzera kune data rakanaka, hazvingadzivisiki kuti vatengi vose vanopedzisira vasangana neanomaly iyi yekukwereta kwakashata ndeyekuti hapana mutsauko wakaderera kusvika pakaderera kupfuura Euribor mumamiriro ezvinhu. mazviri kufamba izvozvi.
Mazano Anochinja
Nokudaro, kukwira kweEuribor hakungounzi chete nekuguma kwezvikwereti zvakashata, asiwo kuchinja mune zvekutengeserana mazano emabhangi.
Kusvika pari zvino, zvikwereti zvakagadziriswa zvakasimudzirwa sezvo yaive iyo chete nzira yekuvimbisa mari shoma apo Euribor yakaramba ichidonha. Mitengo yerudzi urwu rwechigadzirwa yakatodzika pasi pe1%.
Ikozvino iyo index yave kutonongedza kupinda mugirini, bhanga ratora mukana wekutendeutsa kupa kwayo. Vave kutotanga kuranga chiyero chakatarwa - kunyangwe chichiri chakachipa zvichienzaniswa nenguva dzakapfuura- uye kusimudzira chiyero chinoshanduka, vachitarisira kuti zvichavapa hupfumi hwakawanda. Nenzira iyi, Banco Santander, Bankinter, BBVA, Ibercaja ... vakatoita maererano nekuwedzera kweEuribor. Vakaita kuti zvigadziriswe nekuwedzera mari yezvikwereti, kuderedza iyo yezvakasiyana, kana zvose panguva imwe chete zvichienderana nezviitiko zvipi.
