Zuva rechikwereti rinorevei?
Zuva rekukura ndiro zuva rekuti mari huru yetsamba yekuvimbisa, bhiri rekuchinjana, bhondi yekubvuma, kana chimwe chiridzwa chechikwereti chinofanirwa kubhadharwa. Pazuva iri, iro rinowanzodhindwa pagwaro rechishandiso chiri mubvunzo, mukuru weiyo mari inodzoserwa kune mushambadzi, nepo mari yemubereko yaibhadharwa nguva dzose munguva yehupenyu hwechisungo ichimira kudaro. Zuva rekukura rinorevawo zuva rekupedzisa (zuva rekupedzisira) iro chikwereti chechikamu chinofanirwa kubhadharwa zvizere.
Zuva rekupera rinotsanangura hupenyu hwekuchengetedza, kuzivisa vanoisa mari pavachagamuchira mukuru wavo kumashure. Saka, 30-gore remba ine zuva rekukura makumi matatu emakore mushure mekuburitswa kwayo uye 2-gore gwaro redhipoziti (CD) ine zuva rekukura mwedzi makumi maviri nemana mushure mekusikwa kwayo.
Zuva rekukura rinotarawo nguva yenguva iyo vatengesi vanozogamuchira mubereko. Zvisinei, zvakakosha kuziva kuti zvimwe zvikwereti zvezvikwereti, zvakadai semari yakagadziriswa mari, inogona kunge "inodanwa", iyo iyo mupi wechikwereti anochengetedza kodzero yekubhadhara mukuru chero nguva. Saka maInvestors anofanirwa kuziva, vasati vatenga chero yakagadziriswa mari yekuchengetedza, kuti mabhondi anogona kuregererwa here kana kuti kwete.
Chii chinoitika kana chikwereti chauya?
Kukura kunoreva zuva iro uyo anopa kana mukwereti wechikwereti kana chisungo anofanira kubhadhara mukuru uye mhindu kune muridzi kana investor. Zuva rekukura rinoratidza hupenyu hunobatsira hwekuchengetedza, kuzivisa uyo anopa iyo mukuru uye mhindu zvinofanirwa kubhadharwa.
Kana zuva rekukura rapfuura uye mukuru uye mhindu zvadzorerwa, zvisungo zvekondirakiti zveanopa zvinopera. Hapana mari yekuwedzera inodiwa mushure menguva yakatarwa. Iyo inozivikanwawo sezuva rekuregererwa, kukura kunogona kubva kune rimwe kusvika kumakore makumi matatu, zvichienderana nezvinodiwa nemari yemupi.
Zvikwereti zvezvikwereti, zvakadai semanotsi ekuvimbisa, mabhiri ekutsinhana, uye mabhondi ekugamuchira, anowanzo kupatsanurwa zvichienderana nemazuva avo ekukura. Zvisungo zvine zuva rekukura kwegore rimwe kana zvishoma zvinozivikanwa sezvisungo zvenguva pfupi, nepo avo vane zuva rekukura rinopfuura gore vanoonekwa senguva refu.
Kune akawanda mabhondi, zuva chairo rekukura rinoratidzwa pachitupa chebhondi. Kunyangwe kukura nguva dzose kunoreva zuva chairo rekubhadhara, pane musiyano kumutemo uyu. Semuenzaniso, mamwe makambani anopa zvisungo izvo "zvinodanwa." Bond inogona kufona inobvumira muridzi kuidzikinura chero nguva zuva rekukura rakatarwa risati rasvika.
Mari Yekukwereta Yakapfuura
Quantitative easing inobatsira hupfumi nekudzikisa mubereko wenguva refu (kuita bhizinesi uye zvikwereti zvemortgage zvidhure) uye kuratidza chinangwa cheFed chekuenderera mberi nekushandisa mutemo wezvemari kutsigira hupfumi. Iyo Fed inoenda kuQE apo mibairo yenguva pfupi inodonha kusvika pedyo ne zero uye hupfumi huchiri kuda rubatsiro.
Nekutenga chikwereti chehurumende yeUS uye zvibatiso zvinotsigirwa nehomwe, Fed inoderedza kupihwa kwezvisungo izvi mumusika mukuru. Vanoisa mari vakazvimiririra vanoda kuve varidzi vezvibatiso izvi vanokwidza mitengo yezvinhu zvasara, vachidzikisa goho ravo. Izvi zvinonzi "portfolio balance" effect. Iyi nzira inonyanya kukosha apo Federal Reserve inotenga kuchengetedzwa kwenguva refu munguva dzekutambudzika. Kunyangwe kana mitengo yenguva pfupi yadzika kusvika pazero, mitengo yenguva refu inowanzoramba iri pamusoro peiyi nhanho yakaderera, ichipa imwe nzvimbo yekutenga kuti isimudzire hupfumi.
Low Treasury goho mucherechedzo wemamwe mafizimusi emubereko, senge corporate bond uye mortgages. Nemitengo yakaderera, mhuri dzine mukana wekutora zvikwereti zvemotokari kana zvembavha, uye mabhizinesi ane mukana wekudyara mumidziyo uye kuhaya vashandi. Mibereko yakaderera inobatanidzwawo nemitengo yakakwira yeasset, kuwedzera hupfumi hwemhuri uye kuwedzera mari yekushandisa.
Mortgage Due Date Calculator
Nguva yekutora chikwereti ndeyekureba kwechibvumirano chechikwereti uye chiyero chemubereko (somuenzaniso, 25-year mortgage inogona kuva nenguva yemakore mashanu). Nekudaro, iyo mortgage yese haibhadharwe pakupera kwetemu. Iwe unogona kufanira kumutsidzira kana kutauriranazve chikwereti chako kuti uwedzere kune imwe nguva uye uenderere mberi nekubhadhara.
Andrew naMarc vanoda kuwana $150.000 yembavha. Mubhangi wavo anoratidza temu yemakore mashanu ine mubereko we5,25 percent. Izvi zvinoreva kuti vachagara vachibhadhara mukuru wechikoro pamwe nemubereko kwemakore mashanu. Asi $150.000 haisi kuzodzoserwa yakazara panopera temu. Kana makore mashanu apera, vanozofanira kudzorerazve mari yembavha yetemu itsva nemhindu ichave iripo panguva iyoyo. Vachave vakasununguka kutsvaga chinopihwa chiri nani kubva kune vamwe vanokweretesa, asi kana vakasarudza imwe, vanozofanira kubhadhara remba neanokweretesa iye zvino kuburikidza nechibvumirano neicho chitsva.
Nguva yekontrakiti inoisa chibvumirano chako kwenguva yakati. Matemu ekukweretesa kubva pamwedzi mitanhatu kusvika kumakore mashanu akajairika, kunyangwe mazwi emakore manomwe kana gumi anowanzo kuwanikwa. Izwi iri rinongoreva kuti, pakupera kwenguva, iwe uchafanirwa kutaurirana nezve nyowani yekutenga imba zvichienderana nemamiriro ako ega uye emari panguva iyoyo. Kazhinji, muridzi wemortgage anozopa kuti avandudze pasi pemamiriro emusika aripo kana ari nani. Nekudaro, iwo mukana wekutaurirana nesangano rako rezvemari kana kuona kana uchigona kuwana chirinani chinopihwa pamusika.
