yintoni euribor
Uhlaziyo lwe-IBOR lolunye lolona tshintsho lukhulu kakhulu kwiimarike zenkunzi ukususela ekuqalisweni kwe-euro Kwiminyaka emininzi, i-interbank interest rates (IBOR) isetyenziswe njengesalathiso senzala kwiimarike zemali zehlabathi. Namhlanje, imiqathango yezivumelwano zemali ezininzi, njengemali-mboleko, i-derivatives, securities, ne-deposit deposit, isekelwe kula maxabiso.
Ngo-2013, amazwe e-G20 aphehlelele uhlaziyo lwenkqubo yokulinganisa inqanaba lehlabathi. Ii-IBOR ezahlukeneyo ezisetyenziswayo zicwangciswe ukuba zitshintshwe okanye zitshintshwe ngokuthe ngcembe ngamaxabiso angenamngcipheko (RFRs) okanye ezinye iireferensi (ARRs).
I-EURIBOR (i-Euro Interbank Offered Rate), enye yee-IBOR eziphambili, ihlaziywe ngokuhambelana ne-BMR kwaye iya kuqhubeka ikhona kwixesha eliphakathi. Uhlaziyo lwe-EURIBOR lwagqitywa ngoNovemba 2019. Ngenxa yoko, i-EURIBOR inokuqhubeka isetyenziswa njengereferensi yereferensi.
I-ISDA kunye nenani lamaqela asebenzayo e-IBOR kunye nabalawuli baye bacebisa ukuba abathathi-nxaxheba beemarike banamathele kwi-ISDA 2020 IBOR Fallbacks Protocol ukwenzela ukunciphisa iindleko zokurhweba kabini kwiimarike.
uhlobo lwereferensi ye-adalah
Ukususela kwi-1,98% ye-APR kwiinyanga ezintandathu zokuqala ukuya kwi-Euribor + 1,98% ukusuka kwinyanga yesixhenxe, i-VariableAPR 2,19% 1.Euribor + 0,88% ukususela kwinyanga yesixhenxe, ngokuxhomekeke kwiimeko. IguquguqukoAPR 1,55%2.
Eyona bhonasi iphezulu yale ngcamango iya kuba yi-0,50% yezinga lenzala elisebenzayo, kungakhathaliseki ukuba iimveliso okanye iinkonzo ukuba umboleki, okanye ababoleki ukuba kukho ezininzi, zikhontrakthi.
Ukubonelela ibhanki ngesatifikethi sokusebenza kakuhle kwamandla kwikhaya okanye nawaphi na amakhaya aphantsi kwe-mortgage, kunye nodidi A +, A okanye B ngokuhambelana nezatifikethi ezihambelanayo ezikhutshwe ziinkampani ezaziwayo kweli candelo, okanye isiqinisekiso sezindlu esizinzileyo esikhutshwe kwi-BREEAM. , I-LEED, i-VERDE okanye i-PASSIVE HOUSE: I-0,10% isaphulelo kwizinga lenzala eliqhelekileyo.
Ixesha eliphezulu: iminyaka eyi-25. Zombini kwikhaya eliphambili nakwikhaya lesibini, umxhasi kufuneka afake isandla, ngemali yakhe, ubuncinane umahluko phakathi kwexabiso lokuthengisa kunye nemali exhaswa ngemali. Ubude bexesha le-mortgage kunye neminyaka yomnini-mali ayikwazi ukudibanisa ukuya kwiminyaka engama-80.
Ixabiso le-Euribor
Ireyithi ibalwa ekucingeni ukuba isixa-mali sekhredithi sikhutshwe ngokukhawuleza kwaye ngokupheleleyo kwaye isixa esisisiseko kunye nenzala iya kuhlawulwa ngendlela yeentlawulo zenyanga ngendlela ye-annuities. Ikhontrakthi yemali-mboleko iqinisekisiwe nge-mortgage. Xa uthatha imali-mboleko, isivumelwano se-inshurensi yekhaya kufuneka sisayinwe. Ireyithi ayibandakanyi iindleko ezinxulumene nokumisela okanye ukukhusela isibambiso.
Abantwana ukuya kutsho kwi-18 leminyaka ubudala kunye namalungu entsapho angafumani ngeniso rhoqo (umzekelo, iqabane elikwikhefu lokubeleka okanye elikwikhefu lobutata nelingayifumaniyo isibonelelo sabazali) bagqalwa njengabaxhomekeke kubo.012 okanye ngaphezulu
Euribor 12m
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
