Kotun Koli za ta hadu nan bada jimawa ba don yanke hukunci kan wanda zai kula da biyan kudin Harajin Ayyukan Shari'a Rikodin lamuni. Don haka ta wannan hanyar, a ƙarshe an san ko suna riƙe da sabon ƙa'idodin kan ko zai kasance hukumomin banki ne ba mai amfani da ke tsara wannan kuɗin ba yayin karɓar wannan samfurin don mallakar gida. Kamar yadda ɗayan sassan ɗakin ya bayyana a watan Oktobar da ya gabata. A kowane hali, zai zama yanke shawara wanda masu mallakar lamunin za su kasance da masaniya sosai saboda yawancin Yuro suna cikin haɗari a wannan lokacin.
A yanzu, sakamako na farko na wannan shawarar shi ne cewa tabbas shanyewar jiki a cikin kasuwancin lamunin lamuni na banki. Yawancin tayin da aka gabatar an dage shi bisa la'akari da abin da ka iya faruwa a ɓangarorin shari'a na ƙasarmu. A wannan ma'anar, sananne ne sosai cewa waɗannan samfuran sun ɗan ɓace daga gidan yanar gizon bankunan. Sabili da haka, ba za a iya yin rajistar sabbin lamuni ba a lokacin rashin tabbas wanda wannan aikin shari'a yake gudana.
Rashin tabbas shine tasirin farko wanda wannan shawarar mai rikitarwa ta haifar tunda a wannan lokacin yana da matukar wahala ƙirƙirar jingina. Akalla channled ta hanyar fasaha. Koyaya, wannan shawarar zata zama mafi mahimmanci ga sabbin masu neman a basu lamuni tunda zasu iya bambanta yanayinka ya danganta da shawarar da hukumomin shari'a za su yanke. Yayin da akasin haka, mutanen da suka riga suka yi kwangila samfur na waɗannan halayen za su jira idan daga ƙarshe dole su dawo da adadin wannan harajin.
Lamunin jingina mafi girma
A kowane hali, tuni akwai wasu bankuna waɗanda suka yanke shawarar ɗaga farashin ko kuma fa'idar akan rancen rancen su. Wato, sun haɓaka da fewyan goma na kashi dangane da asalinsu na asali. Wannan gaskiyar a zahiri tana nufin cewa daga yanzu za a ƙara yin ƙoƙari na kuɗi don yin kwangilar lamuni. A halin yanzu ƙaruwar sha'awar waɗannan samfuran ba su da kyau sosai. Lokacin samarda wani 0,10% karuwa kamar. Wannan yana nufin cewa za ku biya ƙarin ƙarin kuɗin euro a cikin kuɗin kowane wata na wannan layin kuɗi.
Har zuwa yanzu akwai lamunin lamuni tare da shimfidawa waɗanda a karon farko sun kasance kasa 1% matakan. Kodayake wannan gaskiyar yakamata a danganta da farashi mai arha kuma wannan yanayin ne wanda ya canza yanayin lokacin rabin rabin shekara. A kowane hali, akwai abu ɗaya tabbatacce cewa dole ne kwastomomi su sani kuma wannan shine daga yanzu ba zasu ƙara samun bambancin ra'ayi kamar na waɗanda suke wanzu ba har yanzu. Ba da lamuni ba zai zama mai fa'ida kamar a cikin waɗannan shekarun da suka gabata ba, ƙasa da ƙasa a watanni masu zuwa kuma musamman shekaru.
Bank tayi tayi bace
Wani tasirin yanke shawarar Kotun Koli shine cewa ba a samun wadatar jinginar ku a kasuwa, aƙalla na couplean kwanaki ko ma makonni. Dole ne mu jira abin da hukumomin shari'a suka yanke don tabbatar da abin da zai faru da wannan samfurin na asali don yawancin ɓangaren dangin Sifen. A gefe guda kuma, zai zama dole a jira a ga a wane yanayi ne aka sake sayar da jinginar bayan yanke shawara kan Haraji kan Takaddun Dokokin Doka da aka rubuta na jingina.
Hayar jinginar gida a cikin waɗannan kwanakin ya fi rikitarwa ga masu amfani saboda ƙudurin doka wanda ya shafi kasuwar jingina. Tabbas, kyauta mafi kyawu tuni sunfi rikitarwa don biyan kuɗi kuma zaku jira fewan kwanaki kaɗan don yanke shawara. Domin yana iya zama lamarin cewa kila ma akwai karuwa a kwamitocin wannan ke gabatar da wannan samfurin kudi. Bayan ƙimar riba wacce cibiyoyin bashi ke tallata ta. Masu amfani ba za su sami zaɓi ba face su yi haƙuri da wannan yanayin na musamman wanda aka ƙirƙira shi kwanakin baya.
Euribor yana tashi kadan kadan
Wani bangare kuma da za'a yi la'akari dashi awannan zamanin shine cewa ma'aunin ma'auni wanda ake karbar jinginar lamuni mai yawa ya haifar da na bakwai tashi a jere. Wannan mummunan labari ne ga duk masu amfani saboda zai shafi biyan kuɗin su na wata. Zuwa gwargwadon ƙarfin da waɗannan haɓaka suke a cikin kasuwannin kuɗi. Daga wannan yanayin gabaɗaya, haɓaka cikin adadin zai iya zama tsakanin Euro 10 zuwa 30 kusan kuma ya dogara da adadin da aka nema. Kodayake mafi munin abu ga bukatunsu shine yanayin yana nuna cewa zai ci gaba da haɓaka a cikin watanni masu zuwa.
Kodayake Euribor har yanzu yana ciki matakan mara kyau, tun daga 2016, lokacin juyawa ya riga ya isa. A halin yanzu yana cikin - 0,145%, matakin mafi girma a cikin watanni tara da suka gabata kuma a bayyane ga ci gaba da faɗuwa. Wannan yana nufin cewa za'a canza wannan tasirin ga masu amfani wanda daga yanzu zasu sami ƙarin kuɗaɗen kuɗi na wata. A halin yanzu, ƙaruwarta ba ta da mahimmanci, amma yana iya kasancewa ba da daɗewa ba idan canjin yanayin Turai ya ci gaba ta wannan hanyar.
Hadarin karin hawa mai tsauri
Babbar matsalar da masu riƙe lamunin lamuni suke da ita a wannan lokacin ita ce Matsayin Turai na iya kasancewa a matakai masu kyau na shekaru da yawa. Saboda wannan yanayin na iya nufin bambance-bambance a cikin biyan jinginar gida suna da matukar mahimmanci kuma a cikin buƙatar kusan Yuro 200.000 yana iya nufin ƙarin kashe kusan kusan Yuro 50 kowane wata. Ko ma fiye da yadda haɓakar ke ci gaba cikin watanni. Wannan haɗari ne da masu amfani ke dashi saboda gaskiyar biyan kuɗi na canjin kuɗi mai saurin canzawa.
Lamuni don sayan gida mai ƙayyadadden ƙimar gida, a gefe guda, yana da fa'ida babba cewa ana biyan wannan kuɗin kowane wata koyaushe ko menene ya faru a kasuwannin kuɗi. Ta wannan hanyar za su ji daɗin a mafi natsuwa yayin da bashin jingina ya ƙare. Wannan shine daya daga cikin dalilan da yasa kwastomomi sukafi bukatar neman lamunin jinginar kudi, a cewar sabuwar da Hukumar Kula da Kididdiga ta Kasa (INE) ta bayar. Har ta kai ga sun girma sama da yadda bankuna ke fata.
Wani daga cikin fa'idodin da suka dace a ɓangaren ƙayyadaddun jinginar gidaje shine cewa an tsara su san abin da zasu biya a kowane lokaci. Sakamakon wannan halayyar ta musamman, za su kasance cikin kyakkyawan yanayi don tsara yadda za su kashe kuɗaɗensu kuma su fi kyau sarrafa kasafin kuɗi na kansu ko na iyali. A madadin gaskiyar cewa ba za su iya cin gajiyar ragin farashin ba, kamar yadda ya faru a shekarun baya lokacin da aka sami fa'ida ƙwarai don karɓar jinginar kuɗi mai saurin canji.
Tashi a cikin kwamitocin
Hukuncin da Kotun Koli zata yanke kan wanda zai kula da biyan kudin Harajin Ayyukan Shari'a Har ila yau, lamunin bada lamunin zai zama mai matukar mahimmanci saboda zai tabbatar da cewa bankuna na iya daga kwamitocin wannan kayan hadahadar kudi. Saboda a zahiri, suna iya ɗaga su da fewan ofan kashi goma na kashi kashi idan aka kwatanta da farashin su na yanzu. Wannan yanayin ne wanda kyakkyawan ɓangare na manazarta harkokin kuɗi suka yi gargaɗi game da shi tun lokacin da suka yi imanin cewa a ƙarshe abokan cinikin kansu ne za su ɗauki nauyin kuɗin.
A gefe guda, ana iya kafa wannan ƙarin a cikin kwamitocin jingina bisa la'akari da ƙididdigar kowane asusun bashi, a cikin iyakokin kasuwanci wanda zai jujjuya tsakanin kusan 0,50% da 2,00%. A wannan ma'anar, dole ne a tuna cewa a halin yanzu akwai yawancin waɗannan samfuran da suke kebe daga kwamitocin da sauran kashe kudi wajen gudanar da ita. Amma sakamakon kyakkyawan yanayin kasuwa da gaskiyar cewa ƙimar riba ta kasance a matakin mafi kyau don amfani da wannan ragin mai yawa.
Karuwar kuɗi
A cikin kowane hali, akwai bayyananniyar hanya kuma wannan shine cewa farashin rancen lamuni zai tashi kaɗan kaɗan a cikin watanni. Musamman kafin a hango karin kudi za a samar da wannan daga shekara mai zuwa a yankin Euro. Sakamakon shawarar Babban Bankin Turai (ECB) don ɗaga shi daga 0% wanda suke ciki a halin yanzu. Fiye da wasu ƙididdigar fasaha waɗanda ke cikin wannan samfurin banki.
Wannan yana nufin cewa tun da wuri, masu amfani zasu buƙaci ƙoƙari na kuɗi don sarrafa wannan rukunin samfuran. Babu wani abu da zai sake zama daidai kuma an riga an fara ɗaukar matakan farko.