Matsakaicin riba yana tsara manufofin kuɗi na ƙasashe ko yankuna. Har ta kai ga tana da tasiri kai tsaye kan rayuwar 'yan ƙasa. Ba abin mamaki bane, suna da alaƙar kusanci da farashin kudi. A halin yanzu, yawan kudaden ruwa suna da juyin halitta mara daidaituwa a kowane bangare na Tekun Atlantika. Watau, sun bi hanyoyi daban-daban a Amurka da Tarayyar Turai, biyu daga cikin yankuna masu wakiltar tattalin arziki a duniya. Kuma wannan a wata hanya, suna daidaita canjin kasuwannin daidaito a duniya.
Ainihin, yawan kuɗin sha'awa shine ke ƙayyade farashin kuɗi, a wata ma'ana ko wata, kamar yadda zaku gani a cikin wannan labarin. A kowane hali, yana da kyau kuyi la'akari da cewa an tsara su gwargwadon yawan hauhawar farashin kaya. Inda ake la'akari da tsadar rayuwa don sanin ko ya dace a tashe su ko a'a. Labari ne game da bayanan tattalin arziki mahimmanci sosai wanda ke da alamomi da yawa a sassa daban daban na tattalin arziki. Kuma wannan ya sami dacewa ta musamman bayan rikicin tattalin arziki da ya ci gaba a cikin 2008.
Don ku fahimce su da kyau, ya kamata ku sani cewa kuɗin ruwa ko kuɗin ruwa shine farashin kuɗi, ma'ana, shine farashin da za a biya don amfani da adadin kuɗi yayin wani lokaci. Yana da mahimmanci don aiwatar da duk wata ma'amala ta tattalin arziki. Misali, a lokacin nemi rancen kuɗi ko lamuni. Amma kuma don gano ribar tanadi ko kayayyakin saka jari. Tunda ya danganta da juyin halittarsu, zasu hau ko sauka a wani ko wani ƙarfin. Ko da kusan ba komai bane, kamar yadda yake faruwa a wannan lokacin.
Yawan sha'awa: dabaru daban-daban
A kowane hali, misali mafi kyau don bayyana menene kuɗin ruwa shine zuwa ga abin da manyan hukumomin kuɗi a duniya ke yi. A wannan ma'anar, Babban Bankin Turai (ECB) ya yanke shawara rage farashin kudi a matsayin wata dabara don warware matsalolin da aka samu daga matsalar tattalin arziki. Wato, ƙimar kuɗi a cikin wannan yankin tattalin arzikin a halin yanzu 0%. Wannan yana nufin cewa bankuna suna amfani da ƙananan riba ga rancen da aka nema. Kamar yadda a daya bangaren. Yana faruwa a wannan lokacin lokacin da suka sauka zuwa 7%.
Wani tasirin dabarun kuɗi a cikin EU shi ne cewa ribar banki da tsayayyar samfuran shiga suna faɗuwa sosai. Zuwa lokacin da ajiyar kuɗi, bayanan banki na banki ko kuma manyan asusu masu yawa suka daina da kyar zasu baku damar 0,5%. Duk wannan sakamakon sakamakon farashin mai rahusa a cikin wannan sararin tattalin arziƙin. Kamar yadda kuka gani da kyau, tasirinsa ya banbanta dangane da bukatun da kuke buƙata daga ma'aikatar kuɗaɗen ku. Amma a kowane hali, hakan yana shafar alaƙar ku da duniyar kuɗi.
Cigaban ci gaba a Amurka
Wani yanayin daban daban shine wanda ke faruwa a ɗaya gefen Atlantic. Inda farashin ruwa zai tashi a hankali a wannan shekarar. Kodayake yana cikin hanya a hankali har sai ya kasance a cikin zangon da yake jujjuya tsakanin 1,50% da 2%. Wannan shine shawarar da za'a yanke daga Tarayyar Tarayya na Amurka (FED). Wannan a aikace yana nufin wani abu mai sauƙi kamar cewa ribar da kuka samu ta hanyar ajiyar ku zai zama mai gamsarwa fiye da yanzu. Duk da yake akasin haka, zai fi tsadar ku don kashe kanku daga yanzu. Wannan yanayin da aka samo daga ƙarfin tattalin arzikin Amurka.
Kamar yadda wataƙila kuka gani, akwai yanayi guda biyu waɗanda gabatar da mahimman bayanai daban-daban. Kuma cewa a cikin wasu zasu iya amfanar da ku yayin da a cikin wasu sakamakon zai zama akasin haka. Tare da ma'ana tare a cikin dukkanin fannonin tattalin arziki kuma wannan shine cewa ana iya sarrafa hauhawar farashi sakamakon aiwatar da waɗannan matakan kuɗin. Domin idan ba haka ba, da ba zai ci gaba ta wannan hanyar ba. A kowane hali, daga yanzu zaku sami ɗan haske kan abin da ya faru na yawan kuɗin ruwa a fagen tattalin arziki zalla. Shin kuna son tabbatar da wasu hanyoyin haɗin mahimmanci?
Dogaro da wadata da buƙata
Wani bangare da za a yi la'akari da shi don bayyana mahimmancin ƙimar riba ya dogara ne da tsayayyar dokar samarwa da buƙata, wacce kasuwannin kuɗi ke tsara ta koyaushe. Sakamakon waɗannan ayyukan, kasan wannan kudin ruwa, mafi girman buƙatar albarkatun kuɗi kuma, akasin haka, mafi girma shine, ƙananan buƙatar waɗannan albarkatun kuɗi. Zai zama babban fifiko don ɗaga ko rage farashin kuɗi ta kowane layi na bashi.
Wannan yana nufin cewa zaku iya samun ƙimar fa'ida mafi gasa ko a kan daraja cewa za ku kai bankin ku kara. Kuma a gefe guda, don a iya biyan kuɗin ajiyar ku fiye da da kuma kuna da babban jari a cikin asusun ajiyar ku. Kamar yadda wataƙila kuka gani, ƙimar fa'idar ba kawai muhimmiyar canjin tattalin arziki ba ce, amma hakan zai ba da damar alaƙar ku da cibiyar ku na kuɗi. Ta hanyar kusan dukkan kayayyakin banki (ajiyar lokaci, lamuni, shirin fansho, asusun ajiya, da sauransu). Tare da bayyananniyar abin da ya faru a cikin kuɗin ku a duk lokacin da.
Babu bambanci a cikin Tarayyar Turai
Majalisar Gudanarwa ta Babban Bankin Turai (ECB), ta tsara wannan shekarar don nazarin yadda za ta hauhawar farashin kayayyaki da hasashen ci gabanta a shekarar 2018 da 2019, a cikin kiyasi na farko a shekarar da ta gabata kuma wanda ke nufin cewa babu labarai a cikin manufofin kudi a wannan mahimmin filin tattalin arzikin gama gari. A wannan ma'anar, daga ƙungiyar bayarwa ta tsohuwar nahiyar ana kiyaye adadin a 0% tare da babban maƙasudin tabbatar da cewa yanayin kuɗi sun dace.
Wata daga cikin manyan manufofin kudi ita ce wacce ake ci gaba a Japan don kokarin bunkasa tattalin arzikinta. Don haka ta wannan hanyar, ta koma kan hanyar bunƙasa da ta yi watsi da ita shekaru da yawa da suka gabata kuma hakan ya haifar da karɓar yanayin tattalin arziki na musamman a cikin shekarun da suka gabata. Da kyau, a wannan yanayin, da Bankin Japan ya yanke shawara tun daga 2016 don rage yawan ƙimar riba, wanda ya sanya shi cikin yankin mara kyau.
Yadda ake cin riba a cikin kasuwar jari?
Tabbas, ƙimar riba na iya taimaka muku don ayyukan ku su zama masu fa'ida a kasuwannin daidaito. Daga dabaru daban-daban waɗanda zaku iya amfani dasu daga waɗannan ƙayyadaddun lokacin. Ofayan mafi inganci shine buɗe matsayi a lokacin da aka yanke darajar farashin kuɗi. Yawancin lokaci kasuwannin kuɗi suna nuna farin ciki sosai ga waɗannan nau'ikan matakan. Tare da mahimmin kimantawa a cikin manyan fihirisan hannun jari na fiye da tsawan lokaci. Tare da kyakkyawan yanayin da ba za ku iya rasa shi ba.
Wani tsarin da zaku iya amfani da shi ya dogara da barin jaka a cikin ƙungiyoyi masu adawa. Wannan shine, lokacin da aka sami ƙaruwa cikin ƙimar ƙarfin musamman. Tare da mummunan tasiri daga kasuwannin kuɗi. Zuwa ga cewa zasu iya sa ku rasa kuɗi a cikin ɗan gajeren lokaci. A gefe guda, ba za ku iya mantawa da cewa waɗannan motsi ba daidaita ƙasa na equities. Sabili da haka, ba abokan tafiya bane masu kyau don sanya ribar ta riba. Ba za ku sami zaɓi ba sai dai don neman wasu hanyoyin cikin saka hannun jari.
Aikace-aikace a cikin kayan banki
A gefe guda, yana da kyau ku san yadda suke haɓaka yayin rayuwar layin kuɗi, komai yanayin ta. A wannan yanayin na musamman, ƙimar riba tana kasancewa koyaushe tsawon lokaci ko rayuwar rancen. Ya kasance mai zaman kansa daga ƙimar ribar kasuwar yanzu. Kodayake idan a lokacin zaku dauke shi aiki saboda ya dogara da yanayin sa a kasuwanni. Ta wannan hanyar, zaku iya amfani da ragin ta ko, akasin haka, na ƙaruwar sa. A kowane hali, ana lissafin shi bisa matsakaicin ƙimar riba na watannin baya. Yawancin lokaci naka lokacin biya jeri ne daga fewan watanni zuwa shekaru 3 ko 4. Kodayake a cikin wasu halaye na zamani ana iya tsawaita su sosai.
Zai zama adadin da zaku biya ga ma'aikatar kuɗi saboda barin ku ko rancen kuɗi. Ta wannan hanyar, don kammala shi, ba za ku sami zaɓi ba sai don biyan kuɗin dawowa, kuɗin da ya dace da kwamitocin da sauran kashe kuɗaɗen gudanarwa, idan akwai. Gabaɗaya ta hanyar tsarin tsarin kowane wata. Kodayake zai dogara ne akan ko zaku iya yin amortization da wuri. A wannan ma'anar, bambancin percentagean maki kaɗan na iya nufin mahimmancin adanawa a cikin kuɗin wannan samfurin bankin.