Kana wafunga kutenga imba, asi usina mari yakakwana yekuibhadhara, chinotanga kuuya mupfungwa kukumbira imba. mortgage. Masangano emabhanga anoongorora mamiriro emari evanhu kuti aone huwandu hwerubatsiro. Iye Euribor Ndiyo imwe yeanonyanya kukosha mareferensi nhasi ane kukosha kukuru pachikwereti.
Iyo Euribor inouya mukuita kana uchiverenga mubereko pachikwereti chemba. Ndiye European Interbank Inopihwa Rate, ndiko kuti, mutengo uyo mabhangi eEurope anokweretesa mari kune mumwe nemumwe. Sezvinongoita vanhu nemakambani vanoenda kumabhangi, vanoita chikumbiro chechikwereti kune rimwe bhangi vobhadhara mubereko wavo.
Iyo Euribor inoverengerwa zuva nezuva uchishandisa nzira inoshandisa huwandu hukuru hweruzivo kubva kumabasa chaiwo anoitwa nemabhangi mune akasiyana maturities. Nekuda kwekukosha kwayo, sezvo ichisanganisira maeurozone masangano, inokanganisa zvakanyanya chikwereti chemba uye inogona kuigadzirisa kuti ifarire kana kuomesera kutengwa kwemba.
Iyo Euribor inopindira sei muchikwereti?
Kuti unzwisise Kuti Euribor inokanganisa sei chikwereti unofanira kuziva kuti zvinoshanda sei. Iwo makuru masangano anosanganisirwa mueuro nharaunda inoshuma pamusoro peinterbank mubereko wakashandiswa pazuva rapfuura. IEuropean Institute of Mari Markets ndiye anotarisira kuverenga Euribor sezvinotevera:
- Bvisa iyo yepamusoro 15% yedata
- Inobvisa pasi 15% yedata
- Pamusoro pe70% ye data yakasara, kuverenga kunoitwa uye Euribor inowanikwa
Zvino, izvi zvinofanirwa kuverengerwa paunenge uchinyorera imba yemba, kunyanya pakusarudza mubereko uyo chikwereti chakakumbirwa kubva kubhangi chinoyera.
- Zvachose: chikamu chisingachinji
- Variable: benchmark zvinoenderana
- Mixed: Sanganisa zvakagadziriswa uye zvinosiyana kufarira
Kana sarudzo iri kufarira kwakasiyana, zvinoreva kuti kukosha kwechido kunodzika chete kana iyo index index, munyaya iyi Euribor, inodzika. Asi kana kukosha kwakataurwa kukakwira, zvakafanana zvichaitika nekufarira. Kunyangwe iyo Euribor inoverengerwa zuva nezuva, kune mareferensi vhiki nevhiki, mwedzi, kota, mwedzi uye gore negore. Maviri ekupedzisira ndiwo anonyanya kushandiswa muzvikwereti.
Usati wasarudza mubereko wechikwereti chechikwereti, zvinobatsira zvikuru kufungisisa nezvezviitiko zvinogona kuitika uye zvinogona kukanganisa hupfumi, zviri nani kana kuipa. Kana zvasvika pachikwereti chakakura, zvinodikanwa kubvunza maitiro ekuita.
Iyi indekisi yereferensi inoshandiswawo kuverenga mubereko wechikwereti pazvikwereti zvakabatanidzwa, pamwe nekusiyana-siyana kwechikwereti nyaya nezvimwe zvinhu zvemari.
Izvo zvaunofanira kuchengeta mupfungwa panguva yekukwereta
Sezvo Euribor iri iyo indekisi inonyanya kushandiswa pakuverenga kuongororwa kwemitengo yakasiyana-siyana yemubereko muzvikwereti, hazvifanire kushamisa kuziva zvakadzama izvo zvinorevei mumari yako. Hukama huri pakati peEuribor nezvikwereti huri padyo uye hunosunga. Neiyi pfungwa, ini ndinokupa kwauri izvo zvakanakira uye zvakaipira kusarudza iyo inosiyana mubereko.
1. Zvakanakira Euribor
- Zvaunofarira zvakaderera: panguva ino zvinhu zvose zvichaenderana nemamiriro ehupfumi. Kana iyo mortgage iri pasi pekuchinja muEuribor, mune yehupfumi ine yakaderera mubereko, iyo mwedzi nemwedzi mari yemortgage ichadzikira. Nokuda kwechikonzero ichi, mari yemwedzi inofanira kubhadharwa yakaderera.
- Iine mazuva ekupedzisira akawanda: chiyero chakasiyana chinopa kushanduka kwakawanda munguva yekubhadhara chikwereti. Kana iwe uchida kubhadhara mari yakaderera pamwedzi, iyi isarudzo yakanaka kwazvo, zvisinei kana nguva yekukwereta ichiwedzerwa.
2. Zvakaipa zveEuribor
- Variable interest: kuderera kunoitika kana kukosha kwereferensi index kunowedzera kukwira. zvakanaka iyo kukosha kwemashares kunogona kukwira.
- Dyara kusagadzikana: Kusaziva mari ichabhadharwa pakupera kwechikwereti hakusi nyore. Sezvo mazwi akareba kwazvo, 10 makore, semuenzaniso, zvinoita kuti zvisave nyore kutarisira maitiro eEuribor.
Zvinofanira kuyeukwa kuti mubereko unoongororwa mwedzi mitanhatu yega yega kana gore rega rega, zvichienderana nekushanduka kweiyo index yataurwa. Nekuda kweizvozvo, mari yekubhadhara imba inogona kukwira kana kudzika. Iyo mortgage inotsanangura zuva rakatorwa kuti uwane kukosha kwepamutemo kweEuribor iyo inozoverengerwa kuongororwa kwezvikamu.
Euribor pamberi pekuchinja kwehupfumi
Iyo Euribor inokwira nekudzika nekuda kwesimba rainayo pairi, mamiriro ehupfumi hweEurope uye sarudzo dzeiyo European Central Bank. Izvi zvinhu zvinokanganisa zvakananga kukosha kwemari mumabhangi, pane iyo kukosha kweiyo index inobva yatsamira.
Chimwe chikonzero ihuwandu hwemari iri kutenderera mumisika. Kana paine zvishoma, kukosha kweEuribor kunowedzera kukwira, nekuti zvinonzwisiswa kuti mari iri kushomeka. Kudivi ravo, mabhanga anoona njodzi yaanotarisana nayo pakukweretesa mari kune rimwe bhanga. Kana vakaona kuti njodzi yakanyanya, kukosha kwemari kunowedzera, uye zvakafanana zvinoitika neEuribor.
Kushanduka kweEuribor kwakakanganiswa ne kuchinja hupfumi muEurope. Muna 2021, index yakaramba isina kunaka, kunyanya -0,502%. Pakutanga kwa2022 yakakwira kusvika -0,477%, zvisinei, zvikwereti zvembatya zvave zvinodhura. Asi nyanzvi dzinoti icharamba yakaderera.
Kuti pave nekujeka kukuru mukutengeserana kwechikwereti, European Central Bank yakatanga kushandisa imwe itsva benchmark index inonzi €STR, inozivikanwa se Esther. Inowanzofananidzwa neEuribor, asi imwe neimwe inoita basa rakasiyana. Iyo Euribor inoshandiswa sechirevo cheiyo mubereko maererano nemwedzi kana gore, nepo Ester ichiratidza mutengo wezuva rimwe rekushanda kweinterbank.
Nezvese izvi, chinhu chakanakisa kuita kune hutano hwemari kubvunza nyanzvi usati wanyorera imba yemba. Zano reunyanzvi rinogona kukubvisa mukupokana uye uchave wakanyanya kuzvivimba mudanho rauchatora kuzadzisa imba yezviroto zvako.
