Callable Swap Muenzaniso
Inishuwarenzi yekuvaka chinhu chinosungirwa kana uchitora chikwereti chePortugal. Iko kuvharika kudiki kunodiwa kazhinji kunopesana nemoto nemafashama. Mari yeinishuwarenzi ichave yakavakirwa pamutengo wakavakwazve wepfuma.
Mamwe mabhangi anoda inishuwarenzi yehupenyu kune wekutanga munyoreri kana kune vese vanonyorera remba. Isu tichakuzivisa iwe nezve ichi chinosungirwa chinodiwa kana isu takupa iwe gwaro rechikwereti remba.
Kuvharwa kwechikwereti kunofanirwa kuverengerwa kana uchida kuhaya imba. Liability coverage isarudzo yekuvhara mukati meinishuwarenzi yemukati. Ndingakwereta marii? Bhangi richakukweretesa kusvika ku80% yemutengo wekuongorora kana mutengo wekutenga wenzvimbo yakasarudzwa, chero ishoma. Mvumo yemortgage ichabva pane dzakasiyana siyana dzekukwanisa kutengwa dzinoshandiswa nemabhanga.
Bhangi rinokumbira humbowo hwemari kubva kune yako yazvino mutero kudzoka / P60 uye repoti rechikwereti kuratidza zvikwereti zviripo. Kazhinji, zvikamu makumi matatu kubva muzana zvemari yaunowana zvinogona kunge zvichikonzerwa nekubhadhara imba (kusanganisira imba itsva yekuPortugal) Ndeapi mapepa anodiwa nebhangi kuti ribvumire imba yemba? Kuti uwane runyoro rwakadzama rwemagwaro anodiwa, tapota tinya apa.Chiyero cheEuribor chii? Imari yemubereko yePortuguese variable rate mortgage yakabatana neEuribor chiyero chemwedzi mitatu kana 30 uye inowedzerwa nemuganho (kupararira) iyo bhangi rinoshanda.
Nhoroondo mitengo yeEuribor
Kufunga kuwana 30-year variable rate loan ine 10-year sumo yakagadziriswa chiyero? Shandisa iyi karukureta kuverenga inotarisirwa kubhadhara kwekutanga uye mubhadharo unotarisirwa mushure menguva yekugadzirisa chikwereti. Iwe unogona zvakare kushandisa bhatani riri pazasi pekarukureta kudhinda tafura yeamortization yechikwereti.
Tafura inotevera inoratidza mareti emubereko pazvikwereti zveARM zvinodzoserwa mushure megore rechigumi. Kana pasina mibairo inoratidzwa kana iwe uchida kuenzanisa mareti nedzimwe nguva dzekutanga, unogona kushandisa menyu yechigadzirwa kusarudza mareti echikwereti anodzoreredzwa mushure memakore 1, 3, 5 kana 7. By default refinancing zvikwereti zvinoratidzwa. Kudzvanya bhatani rekutenga kunoratidza mitengo yemitengo yekutenga iripo.
Kunyange hazvo zvikwereti zvakatarwa zvichinyanya kufarirwa muUnited States kupfuura maARM, misika yakawanda yakasimukira, yakadai seUnited Kingdom, Ireland, Canada, Australia, New Zealand, neHong Kong, inowanzokweretesa kuburikidza nemitengo inogadziriswa.
Mune zvimwe zviitiko apo chiyero chemhindu chinodzivirira chikwereti chako kuti chisafambe zvakanyanya sezviri pasi pe index, mukweretesi anogona kuendesa mberi chikamu cheyero yekufamba iyo isina kushanda gore iroro. Semuenzaniso, kana mitengo ikakwira ne3% asi nguva yavo yenguva inovabvumira kukwidza chikwereti ne2%, imwe 1% yakawedzerwa inogona kushanda pakugadzirisa chiyero gore rinotevera, kunyangwe mwero webhenji usingawedzere. gore rino.
Euribor 1m
Euribor ndiyo chidimbu cheEuro Interbank Offered Rate. Mitengo yeEuribor yakavakirwa paavhareji yemitengo yembereko apo boka rakakura remabhanga eEurope rinokweretesa mari kune mumwe nemumwe. Kune maturities akasiyana, kubva pavhiki kusvika kune rimwe gore.
Mitengo yeEuribor inoonekwa seyakanyanya kukosha mareti mumusika wemari weEurope. Mari dzemubereko dzinoshanda sehwaro hwemutengo nemitengo yemubereko yemarudzi ese ezvigadzirwa zvemari, zvakaita sekuchinjana kwemhindu, remangwana remubereko, maakaundi ekuchengetedza uye zvikwereti. Ichi ndicho chikonzero nei nyanzvi dzakawanda uye vanhu vakanyatsotevera kushanduka kwemazinga eEuribor, ayo ari mashanu pamwe chete (kusvika Mbudzi 5, 1 pakanga paine 2013 Euribor rates). Ona mareti eEuribor azvino kuti utarise mareti ese. Pamusoro pezvo, kune imwe yehusiku yeEuropean interbank mubereko inonzi ESTER. Pane ino saiti iwe unowana ruzivo rwakawanda nezve Euribor uye akasiyana Euribor mareti emubereko. Isu tinopa ruzivo rwekumashure, ikozvino Euribor mitengo uye nhoroondo data.
Euribor uye inflation
Ndosaka takakwidza iyo UK's main interest rate (yebhangi rate) mumwedzi ichangopfuura. Zvinotora nguva kushanda. Inflation ingangoramba ichikwira gore rino uye yotanga kudzikira gore rinouya. Isu tinotarisira kuti ichave pedyo neyedu 2% mukati memakore maviri.
Mari yemubereko yakwira muUK. Takatanga nekukwidza mubereko weBank of England pachezvake (Bank Rate) kubva pa0,1% kuenda pa0,25% muna Zvita 2021. Kubva ipapo, takaikwidzazve katatu muna 2022:
Asi mibairo yepamusoro haishande ipapo ipapo. Vanotora nguva kuti vashande. Naizvozvo, patinoashandisa, tinogara tichifunga zvatinofunga kuti zvichaitika muhupfumi mumakore mashoma anotevera, kwete zviri kuitika iye zvino.
