Ya riga ya tabbata cewa idan kuna da jinginar gida, zaku tsara shi a yanzu kuma zai ƙara ɗan tsada daga yanzu. Sakamakon karuwar matakin Matsayin Turai, Euribor, wanda ya kasance cikin sama zuwa sama tsawon watanni biyar. Wannan ya faru ne tun daga watan Mayun da ya gabata, don haka ta wannan hanyar yana motsawa daga ƙarancin tarihi bayan farawa zuwa shekarar da ta kasance cikakke a tsaye. Tabbas, ba labari bane mai kyau ga masu amfani waɗanda ke cikin wannan aikin.
Dalilin farko shine saboda bashin jinginar ku zai kasance mafi tsada, tare da biyan wata duk kadan Demandingarin buƙata. Kodayake bambancin da zaku samu a wannan matsayin yan kuɗi kaɗan ne kawai, babban abin damuwa shine cewa zai kasance yanayin da zaiyi ƙarfi daga yanzu. A cikin aikin juyin halitta iri na sha'awar kasuwannin kuɗi. A wannan ma'anar, dole ne a tuna cewa hukumomin kuɗin Turai za su nutsar da shi a cikin watanni masu zuwa. Bayan kasancewa mara motsi a 0% tun shekara ta 2014. Inda farashin kuɗi ya kasance kusan sifili. Wato, sifili
Da kyau, wannan ya canza tun daga watan Oktoba 2018, sake fasalin alamun Turai yana haifar da ƙaruwa a cikin biyan bashin jingina kowane wata a karon farko tun 2014. Sakamakon Euribor yana ba da wasu ƙananan ƙimar kuɗi fiye da sauran motsa jiki. Wannan ya haifar da sake duba lamunin lamuni da sabbin aikace-aikace da ake tsarawa don ƙaruwar kuɗin kowane wata. A yanzu adadin ba shi da mahimmanci, yana motsawa kusan 10 ko 15 dangane da adadin da ake buƙata. Amma a hankali zai karu daga yanzu. Dangane da haɓakar da aka samar cikin farashin kuɗi.
Hasashen na 'yan shekaru masu zuwa
Game da hasashen lissafin ma'auni na Turai, wanda aka fi sani da Euribor, sashen nazarin Bankinter ya nuna cewa a cikin rahoton dabarun a zango na uku na 2018 hasashen Euribor na 2018 da 2019, babban mai nuna alama ne na kirga jingina a cikin watanni masu zuwa. . Hasashensa yana tsammanin wata 12 na Euribor, mai nuna alama mafi yawa don lissafin jingina, wanda zai kasance a kusa da -0,17% har zuwa ƙarshen 2018.
Duk da yake akasin haka, hasashen sa na Euribor a cikin 2018 zai motsa a cikin zangon -0,30% da -0,10%. A ƙarshe, hasashen Euribor na 2019 yana tsammanin ƙaruwa wanda zai kasance tsakanin mafi ƙarancin -0,10% kuma matsakaicin 0,30%, tare da yanayin tsakiyar da zai motsa tsakanin 0,10% da 0,20%. Game da kudaden ruwa, manazarta Bankinter na ganin cewa «kudaden ruwa ba za su canza ba kafin rabin farko na 2019 amma muna sa ran kudin ajiya ya kai 0,0%, kan na yanzu -0,40%)».
Tare da matsakaicin riba na 2,20%
Game da jinginar da aka yi akan jimillar kadarorin a watan Yuni, matsakaicin kuɗin ruwa a farkon shine 2,49% (6,8% ƙasa da Yuni 2017) da matsakaicin lokacin shekaru 23, bisa ga sabon bayanan da Cibiyar ofididdiga ta Nationalasa ta bayar ( INE). Rahoton ya kuma nuna cewa kashi 62,9% na jinginar lamura suna cikin riba mai canzawa kuma 37,1% a kan tsayayyen kudi. Matsakaicin kuɗin ruwa a farkon shine 2,19% don jinginar canjin canji (11,3% ƙasa da na watan Yunin 2017) da kuma 3,25% don jinginar kuɗin da aka ƙayyade (0,5% mafi girma).
Dangane da jinginar gida a kan gidaje, yawan kuɗin ruwa shine 2,63% (4,5% ƙasa da na watan Yunin 2017) da matsakaicin lokacin shekaru 24, a cewar bayanan INE. Inda, 60,8% na jinginar gida suna kan canji mai canji kuma 39,2% a ƙayyadadden ƙimar. A gefe guda, jinginar kuɗi na ƙayyadaddun kuɗi yana fuskantar a 2,2% ragu a cikin shekara shekara. Matsakaicin kuɗin ruwa a farkon shine 2,43% don jinginar akan gidaje masu hawa kan ruwa (tare da raguwar 5,7%) da 3,03% don jinginar kuɗi mai tsayayyen (3,5% ƙasa).
Canjin rajista yana ƙaruwa
Adadin jinginar gidaje tare da canje-canje a cikin yanayin su da aka yiwa rijista a cikin rijistar kadarori ya kai 5.706, 22,8% ƙasa da na watan Yunin 2017. A cikin gidaje, yawan jinginar da ke canza yanayin su ya ragu da 26,3%. Idan akai la'akari da irin canjin yanayi, a watan Yuni akwai 4.476 sababbin maganganu (ko gyare-gyare da aka samar tare da ma'aikatar kuɗi ɗaya), tare da raguwar shekara 22,4% a kowace shekara.
A wata hanyar kuma, yana da kyau a ambata cewa yawan ayyukan da suke canza mahaɗan (subrogations zuwa mai bin su) ya ragu da 30,7%, yayin da adadin lamuni a ciki mai canjin dukiyar ya canza (subrogations zuwa debtor) ya girma 3,5%. A wannan ma'anar, akwai yanayin da ke zuwa daga canji zuwa jinginar rarar kuɗi, sakamakon canjin yanayin da ake samu a ƙididdigar ma'aunin Turai, kodayake a ƙimar da ba ta riga ta zama mafi rinjaye a tsakanin masu amfani da wannan nau'in kayayyakin kasuwancin ba.
Interestarin sha'awa daga 2018
A cikin Spain, yawancin lamunin lamuni na lamuni na canzawa suna da alaƙa da Euribor, daidai saboda alama ce da aka ƙulla tare da matsakaicin ƙimar da bankuna ke bayarwa. A cewar Cibiyar Nazarin ofididdiga ta ,asa, fiye da 90% na ayyukan ana aiwatar da su ne a ƙarƙashin wannan yanayin. Yayin da sauran tsarin samarda kudade a bayyane suke 'yan tsiraru a tsakanin masu amfani da banki. Jiran aikace-aikacen Euribor .ari sabuwar hanyar haɗi jingina kuma wannan yana farawa daga ƙarin hanyoyin haƙiƙa.
Shawarwarin ƙungiyoyin kuɗi na Turai don haɓaka ƙimar riba babbar matsala ce ga jinginar kuɗi mai saurin canzawa. Daga cikin wasu dalilan saboda hakan zai sa su yi tsada a wajen biyan abubuwan da ake biyan su na wata-wata kuma a matakan da za su dogara da tsananin wadannan kari. Zuwa ga batun cewa yana iya zama muhimmiyar mahimmanci wajen sanya hannu cikin tsayayyen tsari ko jingina daga yanzu. Saboda na farko suna da babban fa'idar da koyaushe haka zaka biya ta hanyar kudinka na wata. Duk abin da ya faru a kasuwannin kuɗi tunda za ku san a kowane lokaci kuɗin aikin ku.
Tasirin tashin farashin kudi
A kowane hali, akwai wasu tasirin jingina waɗanda wannan tashin zai haifar a cikin wannan rukunin kayan kasuwancin kuɗi kuma ya kamata ku sani daga yanzu. Misali, waɗanda muke nuna muku ƙasa:
- Zai zama mafi rikitarwa sosai a gare ku don samun daraja tare shimfidawa ƙasa da 1%, kamar yadda ya faru da kai har zuwa yanzu.
- Za'a iya ƙara kwamitocin ta aan tentan kashi goma bisa ɗari daga farashinsu na asali. Hakanan zai zama mafi wahalar gano jinginar gidaje waɗanda ba keɓaɓɓu daga kwamitocin da sauran kashe kuɗaɗen gudanarwa da kulawarsu.
- Zai iya zama lokaci don ɗaukar jinginar kuɗi mai tsayayye zuwa guji wannan hardening a cikin yanayin jinginar kuɗi mai saurin canzawa. A matsakaici da dogon lokaci, zaku biya kuɗi kaɗan a cikin kuɗin kowane wata. Biya iri ɗaya, duk abin da ya faru da farashin kuɗi.
- Ba shine mafi kyawun lokaci don biyan wannan rukunin lamunin jingina ba buga kasa game da ci gaban canjin kuɗi.
Bayar da bashin da ke da nasaba da Euribor
Daga cikin jinginar gidaje 5.706 tare da canje-canje a cikin yanayin su, kashi 48,5% saboda canje-canje ne na kuɗin ruwa. Bayan canjin yanayi, yawan adadin jinginar gidaje ƙaruwa daga 7,0% zuwa 14,6%, yayin kuma na canza jinginar bashi ya ragu daga 92,6% zuwa 85,0%. Euribor shine ƙimar da yawancin kaso mafi yawa na jinginar gidaje ke nuni, duka kafin canjin (76,9%) da kuma bayan (77,9%). Bayan gyare-gyaren yanayi, matsakaicin riba akan lamuni a cikin lamunin ajiyar kuɗi ya rage maki 0,9. Gididdigar jinginar kuɗi ya kuma faɗi da kashi 0,9 cikin ɗari.
Benchasashen Turai shine wanda aka haɗa su fiye da 90% na aiki an tsara shi bisa ƙimar riba mai fa'ida. A bayyane yake mafi rinjaye a cikin kwangilar da masu amfani suka sanya hannu da sama da sauran fihirisan waɗanda a halin yanzu 'yan tsiraru ne a karɓar su. A gefe guda, bayanan da Cibiyar Nazarin Statididdiga ta Easa (INE) ta bayar kuma ya nuna cewa al'ummomin masu zaman kansu tare da mafi yawan lamunin jingina da aka yi a gidaje a watan Yuni su ne Comunidad de Madrid (6.399), Andalucía (5.765) da Cataluña (4.852) ).
Adadin jinginar gidaje tare da canje-canje a cikin yanayin su da aka yiwa rijista a cikin rijistar kadarori ya kai 5.706, 22,8% ƙasa da na watan Yunin 2017. A cikin gidaje, yawan jinginar da ke canza yanayin su ya ragu da 26,3%. Idan akai la'akari da irin canjin yanayi, a watan Yuni akwai 4.476 sababbin maganganu (ko gyare-gyare da aka samar tare da ma'aikatar kuɗi ɗaya), tare da raguwar shekara 22,4% a kowace shekara.
A wannan ma'anar, akwai yanayin da ke zuwa daga canji zuwa jinginar rarar kuɗi, sakamakon canjin yanayin a cikin ma'aunin ma'aunin Turai.