Shawarwarin Babban Bankin Turai (ECB) zuwa kara kudin ruwa Ya zuwa 2019, zai zama koma baya ga masu amfani waɗanda zasu karɓi rance a cikin watanni masu zuwa. Game da kowane irin kuɗi: rance na mutum, don amfani, azumi, jinginar gida ko ta katunan banki. Kamar yadda zan tafi gwargwadon ƙarfin waɗannan haɓaka da ƙungiyoyi masu zaman kansu ke aiwatarwa. Ko ta yaya, zai zama mummunan labari ga masu amfani da banki waɗanda ke cikin halin rance.
Kodayake wannan gwargwadon kuɗin zai zama da amfani sosai ga masu tanadi ta hanyar ƙara aiki akan daidaiton da aka adana a cikin samfuran banki daban-daban (ajiyar lokaci, bayanan kasuwancin kasuwanci ko asusun masu karɓar kuɗi mai yawa). Za su ga cewa a cikin watanni masu zuwa bukatunsu zai haɓaka daidai da ƙaruwar farashin kuɗi. Domin a cikin dan karamin lokaci zai fi zama riba don sanya ribar ta zama mai amfani ta hanyoyi daban-daban da bankuna ke bayarwa.
Akasin akasin abin da zai faru da mutanen da suka je neman kowane layin kuɗi a bankin su. Saboda yanayin kwangila na waɗannan kayayyakin banki. A wannan lokacin matsakaiciyar shekara-shekara sha'awa wannan ƙirar na kudade Tsakanin tsakanin 6% da 11% ne don lamunin mutum kuma tare da banbanci ƙasa da 2% dangane da lamunin lamuni. Da kyau, waɗannan iyakokin kasuwancin zasu ɗauki dogon lokaci don ƙungiyoyin kuɗi su yi amfani. Don dalilai mai sauki kamar cewa lokacin rahusa mai arha ya ƙare a wannan shekara.
Tashi cikin riba akan lamuni
Mafi saurin tasirin yanke shawara na hukumomin al'umma shine cewa a cikin 2019 matsakaicin adadin rance zai ƙaru da 'yan goma na kashi game da farashin yanzu. Wannan a aikace yana nufin cewa don buƙatar euro 10.000, masu amfani zasu biya ƙarin cajin kusan Yuro 25 kusan kowane wata. Baya ga karin farashin kwamitocin da sauran kashe kudade wajen gudanar da wadannan kayayyakin banki. Misali, waɗanda aka samo daga binciken, sokewar farko ko subrogation.
A gefe guda, wani abin da dole ne a yi la'akari da shi shine cewa waɗannan haɓaka cikin ƙimar riba ba zai shafi abokan ciniki waɗanda a halin yanzu suke da samfurin waɗannan halayen ba. Zai shafi masu amfani ne kawai wadanda zasu yi karar sa daga aikace-aikacen waɗannan abubuwan loda a kowace irin kyauta. Bambancin ɗan ƙaramin abu ne wanda dole ne ku sani don sanin ƙarfi da aiwatar da wannan ma'aunin kuɗin. Game da ranar da farashin kuɗi zai tashi, har yanzu babu takamaiman rana, kodayake masana sun yanke shawarar cewa zai faru ne a farkon kwata na 2019. Lamarin da zai shafi yanayin sayarwa a kasuwannin daidaito.
Jaka zai shafa
Tasirin jingina na wannan matakin kuɗin zai kasance wanda ya shafi kasuwannin hannayen jari na ƙasa. Tare da rage daraja a farashin ƙimar kasuwannin kuɗi sakamakon matsalolin da zasu samu kamfanoni su tallafawa kansu daga yanzu. Ba abin mamaki bane, zasu biya ƙarin kuɗi don samun kuɗin aiwatar da kowane irin kasuwancin su. Wannan wani bangare ne da smallan kasuwa da ƙananan masu saka jari zasu yi la'akari da shi waɗanda ke da niyyar buɗe matsayi a kasuwannin daidaito. A wannan ma'anar, masu saka jari za su kasance ɗaya daga cikin manyan waɗanda ke fama da hauhawar ƙimar riba a cikin yankin Euro kuma sakamakon haka ma a Spain.
A gefe guda, yana da mahimmanci a ambata cewa wannan ma'aunin kuɗin yana da yawa detrimental ga m nama na ƙasar saboda kamfanoni dole ne su yi babban ƙoƙari na kuɗi don tallafawa kansu. Yanayin da zai iya shafar matakin bashi ɗaya tunda basu da wani zaɓi illa ɗaukar mafi yawan ƙimar riba akan rancen da zasu buƙaci a cikin mafi yanayin yanayi game da kuɗin su da kuma fahimtar sabbin ayyukan kasuwanci.
Yaushe za a fara lodin?
Amsar da kyakkyawan ɓangare na masu amfani da Sifen ke buƙatar sani ita ce lokacin da wannan tashin farashin riba zai faru. Da kyau, a halin yanzu babu takamaiman kwanan wata da aka ayyana, amma duk ra'ayoyi suna nuni zuwa ga gaskiyar cewa zai kasance ne a farkon watannin shekara mai zuwa inda za a lura da ƙarin layin bashin da bankuna suka bayar. Wannan shine yadda ake sauke shi ta sabbin bayanan da bankin da ya bayar na tsohuwar nahiyar ya bayar. Ala kulli hal, akwai abu guda tabbatacce kuma wannan shine wannan ma'aunin ba za a jinkirta shi ba har tsawon watanni Kara. Sabili da haka, ya zama dole a jira kuɗin da suka fi tsada don fara talla da wuri ba daɗe ba.
A gefe guda, wannan ma'auni zai shafi kowane layi na daraja kuma ba tare da wani togiya ba. Saboda haka, ba za ku iya ɓoyewa daga wannan tsarin kuɗin da za a aiwatar ba da daɗewa ba. Idan zaku nemi bashi a cikin yan kwanaki masu zuwa, baku da zabi illa kuyi tunanin cewa wannan shine yanayin da zaku samu. Wato, za ku biya ƙarin kuɗi a cikin bayar da kowane irin tallafi, ba tare da wata togiya ba. Inda zaku iya biyan kwamitocin da kashe kuɗaɗe masu yawa a cikin sarrafawa ko kulawa fiye da har yanzu.
Wajen ba da rancen fa?
Lamunin lamuni zai bi tsari iri ɗaya kuma kusan babu bambancin ra'ayi game da sauran layukan gargajiya na gargajiya. A wannan ma'anar, an riga an fara samun karuwar a bangaren hada-hadar saboda yawan karuwar da ya faru a cikin ma'aunin ma'aunin Turai na wannan rukunin kayan hadahadar, Euribor. Ya kasance yana hauhawa tsawon watanni tara a jere a matsayin sauyi na raguwar da aka samu a shekarun baya. Tabbas, zamu iya cewa wannan asalin bayanin don kwangilar lamunin lamuni ya kai kasa watanni da yawa da suka gabata.
A cikin jinginar gidaje masu canzawa sakamakon na nan da nan tunda masu neman su sun riga sun biya wasu 'yan kudin Yuro a cikin kudaden su na wata-wata. Adadin da zai haɓaka jim kaɗan kafin tashin hankali mai ƙarfi a cikin Euribor kuma tabbas hakan zai haifar da ku Tattalin arziki yana girma daga yanzu. Sabili da haka, ba abin mamaki ba ne cewa yawancin masu amfani da banki suna zaɓar rancen tsayayyen kuɗi. Inda zaku ringa biyan kuɗin kowane wata, duk abin da ya faru a kasuwannin kuɗi daga yanzu.
Buƙatar bashi yana ƙaruwa
A wannan shekara an sami ƙaruwa sosai a cikin ayyukan bayar da lamuni, a cikin yanayin ingantaccen yanayi a cikin yanayin haɗin ƙasarmu kuma sama da duka saboda mahimmancin raguwa a cikin abin da ake kira m dukiya. Wannan ya haifar da buƙatar wannan rukunin kayan banki don haɓaka cikin sauri fiye da yadda manazarta kasuwa ke tsammani. Amma da sannu zasu ga cewa yanayinsu ya canza sosai. Wannan gaskiyar na iya rage yawan ma'amaloli da abokan ciniki suka sanya hannu, kodayake ba a san ƙarfin su a halin yanzu ba.
Akasin haka, wani bayanan da ya dace sosai wanda ke bayanin wannan yanayin shine bashin Iyalan Spain ya kafa sabon tarihin a karshen shekarar da ta gabata, a cewar bayanai daga Bankin Spain. Binciken da Bankin na Spain ya gudanar ya kuma nuna cewa, bayan jerin abubuwan da aka kasa biya sakamakon rikicin, matakan aikata laifuka ba su da tasiri sosai yayin tantance yanayin da bankuna ke da su don amincewa da lamunin wanda ake kara. Kodayake wannan halin na iya zuwa ƙarshe saboda ƙararrawar da aka ƙayyade game da sha'awar kowane layi na daraja a Spain.
Shakatawa a cikin rangwamen
Saboda haka, kuma idan aka ba da wannan yanayin haɗin kai, ba abin mamaki ba ne cewa Babban Bankin Turai (ECB) ya ce a cikin bincikensa na ƙarshe kan bashin banki cewa yana cikin yanayin wasu yanayi na annashuwa saboda buƙatar wannan samfurin ta babban ɓangaren banki masu amfani kuma an gano hakan a cikin wannan shekara ta yanzu. Kasan layin shine bukatarsu ta girma musamman.
Kodayake ya zama dole a bayyana cewa cibiyoyin bada lamuni sun hango cewa mizanin da ke cikin rangwamen zai yi tauri daga rubu'in ƙarshe na wannan kuma a cikin shekaru masu zuwa. ECB a cikin wata sanarwa ta ce "Matsalar gasa da kuma hangen hadarin na da tasirin rage darajar darajar bashi." A cikin abin da ake tsammanin cewa zai iya zama yanayin na gaba wanda kwastomomi zasu samu daga monthsan watanni.