Ayyukan sashin ƙasa a cikin 2019 tabbas babu shakka za a yi masa alama ta hanzarin jingina wanda aka fara ganin sa a wannan lokacin. Kamar yadda ta kari a cikin manyan birane da kuma kula da gidajen haya. Za su kasance abubuwan da suka dace sosai don sanin idan kuma lokaci ne mai kyau don saka hannun jari a cikin tsaro na ɓangaren tubalin gargajiya a cikin kuɗin Spanish. A cikin aikin da za a ci gaba tare da shakku da yawa saboda wasu yanayi a cikin tattalin arzikin ƙasa.
A gefe guda, ba za a iya mantawa da shi ba saboda mahimmancinsa na musamman cewa raguwar tattalin arzikin Spain, wanda Babban Bankin Turai (ECB) ya ba da tabbaci, da ɗan cire fatalwa game da sabon kumfa, a wannan yanayin ainihin ƙasa. Wannan wani yanayi ne wanda ke haifar da shakku sosai tsakanin kanana da matsakaitan masu saka jari. Bayan sauran ƙididdigar fasaha a cikin ƙimar hannun jari waɗanda ke wakiltar wannan muhimmin sashin tattalin arzikin Sifen.
A kowane hali, dole ne mu kuma rinjayi wasu fannoni waɗanda za su ba mu alama mara kyau game da yadda motsi na ayyukan kasuwanci. An aiwatar da su ta hanyoyi daban-daban, tun daga siye da siyar hannun jari a cikin amintattun wannan mahimmin sashin na hada-hadar Sifen don saka hannun jari cikin tubali. Wato, siyan gidaje da niyyar sanya su su zama masu fa'ida a cikin ɗan gajeren lokaci, a cikin gajeren lokaci. Ba tare da ba da wasu hanyoyi na daban na saka hannun jari a cikin wannan kadarar kuɗi ba wacce ta shahara sosai ga ƙanana da matsakaitan masu saka jari.
Bangaren ƙasa da ƙasa: lamuni
Adadin jinginar da aka yi akan gidaje ya kai 30.356, 20,4% fiye da na watan Oktobar 2017, a cewar sabuwar da Cibiyar Kididdiga ta Kasa (INE) ta bayar. A ciki an nuna cewa matsakaicin adadin kuɗi yakai euro 126.926, tare da 4,6% karuwa. Matsakaicin adadin jinginar da aka yi rajista a cikin rajistar kadara a watan Oktoba (daga ayyukan jama'a na baya) ya zama euro 138.171, kaso 5,8% ƙasa da na wannan watan a shekarar 2017.
Yayin da a gefe guda, wani daga bayanan da suka dace daga INE shine cewa darajar jinginar da aka yi akan kadarorin biranen ya kai yuro miliyan 5.594,4, kashi 13,5% fiye da na watan Oktoba na 2017. A cikin gidaje, da aro babban birnin yana tsaye a 3.853,0 miliyan, tare da haɓaka shekara-shekara na 25,9%. A gefe guda kuma, akwai tasirin a kan cewa a wannan lokacin binciken, don jinginar da aka yi kan adadin kaddarorin a cikin Oktoba, matsakaicin kuɗin ruwa a farkon shine 2,57% (4,3% ƙasa da na Oktoba 2017) ) da kuma matsakaita lokacin shekaru 23.
Canje-canje a cikin lamuni na lamuni
62,4% na jinginar suna kan riba mai canji kuma 37,6% a kan tsayayyen kuɗi. Matsakaicin kuɗin ruwa a farkon shine 2,35% don jinginar kudi mai saurin canzawa (3,5% ƙasa da na Oktoba 2017) da 3,06% don ƙayyadadden ƙimar (9,1% ƙasa). Don ƙarshe cimma matsayar cewa jinginar gidaje 5.355 tare da canje-canje a cikin yanayin su, 46,3% saboda canje-canje ne na kuɗin ruwa. Bayan canjin yanayi, yawan jinginar riba ya karu daga 10,0% zuwa 15,1%, yayin da na canza jinginar ruwa ya ragu daga 88,7% zuwa 83,4%.
Euribor shine ƙimar da yawancin kaso mafi yawa na jinginar gidaje ke nuni, duka kafin canjin (76,4%) da kuma bayan (77,5%). Bayan gyara yanayi, matsakaicin riba akan jinginar kuɗi mai ƙayyade ya rage maki 1,0. Har ila yau, jinginar gidaje masu canzawa sun fadi da maki 1,0. Duk waɗannan bayanan suna nuna cewa akwai buƙatu mai yawa ga wannan mahimman samfurin samfurin, har yanzu tare da ƙimar ƙimar fa'ida don sha'awar masu amfani. Kodayake alamun farko na tashin farashin an riga an lura da su a cikin tsarin Turai, Euribor, wanda ke ta hauhawa tsawon watanni bayan cinikin da yayi a tarihi.
Yi haya ta cikin rufin
Wani tsarin saka hannun jari ya samu ta hanyar hayar gidan, tare da sosai kyakkyawan sakamako ga masu su. Ba abin mamaki bane, ba za'a iya mantawa da cewa wannan tsarin mallakin ƙasa yana da fa'ida sosai kuma sama da sauran kadarorin kuɗi. A wannan ma'anar, akwai bayanan da suka dace kamar yadda farashin hayar ya yi girma fiye da 15% a cikin kwata na uku na 2018. Wannan bayanan a aikace yana wakiltar mafi girman farashin da aka kai a cikin shekaru 10 da suka gabata, wanda ya haɗa da lokacin da rikicin tattalin arziki ya bunkasa.
Sakamakon wannan yanayin hawa na sama, masu shi a wannan lokacin zasu sami fa'ida kusa da 15%. Adadin da a kowane yanayi ba ya samar da kowane nau'in kayan kuɗi, ba a cikin tsayayyen kudin shiga ba ko cikin canji mai canzawa. Ya isa a tuna cewa manyan samfuran banki (ajiyar kuɗi na ƙayyadaddun lokaci, shaidu ko asusun masu karɓar riba) sun wuce matakan kusan 0,5%. Sakamakon farashin mai rahusa kuma hakan ya haifar da fa'idarsa ta kasance ta ragu da tarihi shekaru da yawa yanzu.
Shin akwai haɗarin fashewar ƙasa?
Ofaya daga cikin tsoran da ya fi dacewa cewa wakilan kudi da tattalin arziki suna da gaskiyar ita ce gaskiyar cewa a cikin watanni masu zuwa ko shekaru da ake magana game da kumfar ƙasa na iya ɓarkewa. A wannan mahangar, ra'ayin masana a fannin ya nuna cewa yanayin bai riga ya daidaita ba don ya fito daga yanzu. Aƙalla a cikin gajeren lokaci, wanda shine wanda ya fi sha'awar masu saka jari. Abin da akasin haka, idan yana bayyana a cikin kasuwar bulo shi ne cewa farashin gidan ya ƙare dumama, musamman a manyan biranen Sifen.
Daga wannan yanayin gabaɗaya, baza'a iya yanke hukunci ba amma ra'ayoyi suna tafiya zuwa wata hanya kuma suna faɗakar da haɗarin cewa farashin gidaje zai tafi girma wata bayan wata. Ba abin mamaki bane, akwai lokacin da wannan yanayin ba zai da zaɓi sai dai matsakaici. Wannan wata matsala ce takamaimai wacce ke cikin Spain kuma ba a cikin wasu ƙasashe a cikin yanayinmu na kusa ba. Wannan wani bangare ne wanda tabbas zai iya kawo karshen tasirin kimar bangaren gine-gine a cikin daidaiton kasa
Saya da siyar da gidaje
Wadannan ayyukan girma da 13% a cikin shekarar da ta gabata, kodayake ana iya samun ɗan bambanci kaɗan daga yanzu. Ta wannan ma'anar, nazari daban-daban da rahotanni daga bangaren sun nuna cewa a cikin shekarar 2019 farashin gidaje zai tashi, inda zai tashi daga Yuro 1.650 a kowane murabba'in mita wanda a yanzu ake sayar da shi zuwa Yuro 1.800 a kowane murabba'in mita. A kowane hali, da alama ƙaramar karkacewa ce kaɗan wacce aka ƙirƙira a shekarun baya. Yanzu abin da za a bincika shi ne ko wannan shekara za ta haifar da sauyi a saye da sayarwar gidaje.
A gefe guda, akwai kuma sha'awar kyakkyawan ɓangare na ƙanana da matsakaitan masu saka jari don saka hannun jarinsu a cikin sha'anin tsaro na ɓangaren daidaiton ƙasa. Yana iya zama kyakkyawan ra'ayi, amma yana ɗauke da haɗari kuma shine haɓakar waɗannan kasuwannin kuɗi a cikin shekarar da muke ciki. Ba za ku iya mantawa da cewa Ibex 35 ya ragu da sama da 15% kawai ba a cikin shekarar kasuwancin da ta gabata. Saboda haka, haɗarin sun kasance a ɓoye har zuwa ma'anar cewa zaka iya barin kanka yawan kudin Tarayyar Turai akan hanya.
Rarraba rabon
A gefe guda, wasu daga cikin waɗannan kamfanonin da aka lissafa suna rarraba gagarumin riba tsakanin masu hannun jari, tare da riba mai yawa tsakanin 3% da 6%. A matsayin tsayayyen kudin shiga da tabbaci a kowace shekara, duk abin da ya faru a kasuwannin daidaito. A matsayin babbar dabara ta asali don ƙirƙirar tsayayyen kudin shiga tsakanin masu canji kuma a guji ragin matsakaiciyar tsaka-tsakin tsakaitawa da aka samar a wannan lokacin ta hanyar kayan tanadi daban-daban da kayayyakin saka jari. Tare da dabarun da aka saita a cikin matsakaici da kuma dogon lokaci kuma wannan yana nufin kyakkyawan bayanin martaba na masu saka hannun jari: mai amfani mai kariya wanda yake son kiyaye ajiyar su akan sauran lamuran.
Aƙalla a cikin gajeren lokaci, wanda shine wanda ya fi sha'awar masu saka jari. Abin da akasin haka, idan yana bayyana a cikin kasuwar bulo shi ne cewa farashin gidaje yana da zafi sosai, musamman a manyan biranen Sifen. Fiye da sauran ƙididdigar fasaha kuma daga mahimman ra'ayi. A cikin menene X-ray na wannan muhimmin sashin tattalin arzikin Sifen kuma ɗayan da aka fi so ta ɓangare mai kyau na masu amfani da ƙasarmu a wannan daidai lokacin.
Wadannan ayyukan girma da 13% a cikin shekarar da ta gabata, kodayake ana iya samun ɗan bambanci kaɗan daga yanzu. A wannan ma'anar, nazarin daban-daban da rahotanni daga bangaren sun nuna cewa a cikin shekarar 2019 farashin gidaje zai tashi, inda zai tashi daga Yuro 1.650 a kowane murabba'in mita wanda a yanzu ana cinikin kusan Yuro 1.800 a kowane murabba'in mita.