Dangantakar da ke tsakanin waɗanda suke jinginar gida kuma Euribor ya wuce kai tsaye. Ba abin mamaki bane, karshen shine zancen wanda shine hade da yawancin rancen lamuni. Kuma cewa a cikin 'yan shekarun nan ya ba da damar layin kuɗi don sayan gida don a tsara ta ƙarƙashin ƙarin yanayi na gasa ta hanyar bayar da ƙimar riba mai kyau wanda ke nunawa a cikin bambancin da cibiyoyin kuɗi da ke kula da tallata wannan samfurin kuɗin ke buƙata. tsakanin masu amfani.
Daga cikin lamunin jinginar 7.129 tare da canje-canje a cikin yanayin su, 41,4% saboda canje-canje ne na kudaden ruwa, a cewar sabon bayanan da Cibiyar Kididdiga ta Kasa (INE) ta bayar. Bayan canjin yanayi, yawan jinginar riba ya karu daga 12,0% zuwa 17,2%, yayin da na canza jinginar ruwa ya ragu daga 87,2% zuwa 81,7%. Euribor shine ƙimar da yawancin kaso mafi yawa na jinginar gidaje ke nuni, duka biyun kafin canji (74,5%), kamar bayan (75,5%).
Saboda Euribor shine ma'aunin Turai don danganta jingina. Ya maye gurbin wasu waɗanda basu da tasiri sosai wajen aiwatar da wannan aikin ƙasa. A wasu halaye saboda wadannan ka'idojin sun zama ba na zamani ba kuma a wasu saboda bacewarsu da wuri. A kowane hali, dole ne ku kasance a sarari cewa Euribor zai shafe ku idan kun je fitar da lamuni mai saurin canzawa. Bazai taɓa kasancewa cikin waɗanda aka ɗaura zuwa ƙayyadadden ƙimar ba tunda sauran sigogi mabanbanta suna mulkinsu.
Menene Euribor ke bayarwa?
Haɗa lamunin lamuni zuwa wannan ma'auni na Turai a halin yanzu yana da fa'ida sosai don bukatunku. Saboda yana cikin ƙananan tarihi da kuma cikin mummunan yanki. A yanzu haka, Euribor shine - 0,191%, sakamakon farashin mai rahusa daga Babban Bankin Turai (ECB). Kuma wannan ya haifar da farashin kuɗi bai zama mai daraja ba kwata-kwata. Wato, yana samuwa a 0%. Sabili da haka kuna da sha'awar haya shi saboda zaku iya adana eurosan kuɗi kaɗan idan aka kwatanta da sauran alamomin sakandare.
Kasancewar yanzu Euribor yayi ƙasa da ƙasa ya sanya jingina ta zama mai araha kaɗan idan ka yi rajista a yanzu. Daga cikin wasu dalilan da yasa zaku biya wasu ƙasa da ƙarancin biyan kowane wata cewa har zuwa 'yan shekarun da suka gabata. Ba abin mamaki bane, an gabatar da wannan samfurin kuɗi ba tare da yaduwa ba. Zuwa ga cewa a cikin tayin banki na yanzu zaku iya samun shimfidawa ƙasa da 1%.
Sabbin jingina
Kamar yadda sabon jinginar gida yake a ƙasa da tarihi, zai zama da ban sha'awa sosai don tsara ta daga wannan lokacin. Ba abin mamaki bane, zai iya adana ku tsakanin maki ɗaya ko biyu bisa ɗari bisa ƙididdiga daga shekarun baya. Amma kuma akwai wasu illolin da zaku iya amfana da su. Daya daga cikinsu shine keɓancewa daga hukumar da sauran kashe kudi wajen gudanar da ita da kuma kiyaye ta. Sakamakon juzu'iyyar tabbatacciya game da ma'aunin ma'aunin Turai. Wannan na iya haifar da rage biyan kuɗin ku kowane wata ta Euro fiye da ɗari.
A gefe guda, hakan yana haifar da ci gaba a cikin yanayin haya kuma hakan yana nuna a cikin cewa dole ne ku biyawa kanku kuɗi kaɗan a kowace shekara. Koyaya, wannan yanayin bazai dawwama har abada kuma a kowane lokaci farashin amfani a yankin Euro. Tare da wannan, za a sauya wannan mai hangen nesa zuwa Euribor. Wato, ba zai sake gabatar da kashi bisa ɗari ba don amfanin ku. Ya bambanta da ƙayyadaddun jinginar gidaje waɗanda wannan yanayin ba zai rinjayi su ba. Domin ta wannan tsarin kudin zaka ringa biyan irin wannan kowane wata. Duk abin da ya faru a kasuwannin kuɗi. Sabili da haka, zai ba ku kwanciyar hankali mafi girma saboda zaku san a kowane lokaci abin da za ku biya don kwangilar wannan samfurin kuɗin.
Kawai an haɗa shi da ƙimar canji
Wani yanayin da ba za a iya lura da shi ba shi ne cewa ƙididdigar Turai, Euribor, tana da alaƙa da jinginar kuɗi mai saurin canzawa. Saboda sun dogara da nau'ikan da ƙayyade kasuwannin kuɗi ga wannan aji na ayyukan ƙasa. Domin shi ne manuniya da aka kirkira a yankin na Euro don daidaita ka'idodi a cikin bukatar lamunin lamuni. Inda zaka biya dangane da juyin halittar ma'auni. Ba zai taɓa kasancewa ɗaya ba, amma zai sami canje-canje masu ma'ana cikin shekaru. Abinda ya faru shine yanzu yana da fa'ida sosai don haɗa wannan samfurin don kuɗi zuwa Euribor.
Daga wannan yanayin gabaɗaya, ba zaku iya mantawa cewa bankuna suna amfani da ku ɗinka akan ƙimar Euribor ba. Wannan shine ake kira bambanci, ma'ana, abin da rancen lamuni zai biya ku da gaske. A halin yanzu, waɗannan layin da ke gefen suna motsawa ƙungiyar da ke zuwa daga 1% zuwa 3%. Saboda haka, bai kamata ku mai da hankali kan yadda ƙimar Turai ke gudana ba. Idan ba haka ba, akasin haka, a cikin bambancin da ma'aikatar kuɗi ke bayarwa. A ƙarshen rana, daga inda kuɗin da za ku biya kowane wata zai fito.
Asalin Euribor
Wannan bayanin wanda aka danganta mafi yawan lamunin lamuni bashi ne na Kudin Euro Interbank. Wannan shine ma'anar, kuma don ku fahimce shi da kyau, shine tsarin Turai na tayin banki. A cikin kowane hali, yana da matukar muhimmanci ƙimar cewa ƙididdigar daidaita manufofin kuɗi na Babban Bankin Turai (ECB) ba a fassara su ba tukuna, kamar yadda ake tsammani, cikin Abubuwan da ake tsammani sake dawowa na wannan bayanan. Wannan yana nufin cewa ba abin mamaki ba ne cewa a cikin watanni masu zuwa zai iya samun fansa a cikin farashinsa. Kamar yadda yake da sauran kadarorin kuɗi.
A wata hanyar, Euribor na iya samun gajere, matsakaici da dogon lokaci aikace-aikace don haka ana buga shi don lokuta daban-daban: shekara-shekara, watanni 9, watanni 6, watanni 3, wata 1, makonni 3, makonni 2, mako 1, kowace rana. Haɗuwa yana da mahimmanci a cikin nazarin rancen banki da rancen lamuni. Saboda zaku biya fiye ko ƙasa da kuɗin kuɗin ku kowane wata dangane da juyin halittar watannin da suka gabata. Wannan shine ɗayan dalilan da yasa wannan matattarar isharar tayi arha a wannan lokacin. Zuwa ga kasancewa mai karɓa sosai ga buƙatun abokin ciniki.
Euribor Plus: menene menene?
A kowane hali, akwai bambancin wannan bayanin wanda za'a aiwatar da shi a cikin yankin Euro a cikin watanni masu zuwa. Muna magana ne akan abinda ake kira Euribor Plus. Me ya kunsa? Da kyau, a cikin wani abu mai sauƙi kamar haka zai ba da mafi girman darajar gaskiya a cikin ayyukan waɗannan halayen. A dalilin da za ku fahimta ba tare da wata wahala mai yawa ba tunda wannan sabon tushen abin dogaro a cikin lamunin za a dogara ne game da ayyukan da aka gudanar, kuma ba akan ƙididdiga ba, kamar yadda ya zuwa yanzu ya faru da Euribor. Koyaya, har yanzu babu tabbataccen kwanan wata don daidaitawa a cikin sararin samaniyar Turai. Tare da tsari mai kama da wannan.
A kowane hali, idan nufin ku shine bincika wasu dama a lokacin ƙaddamar da wannan nau'in darajar, kada ku yi shakkar cewa kuna da ƙarin zaɓuɓɓuka don danganta wannan aiki zuwa wasu alamun. Dole ne ku san hakan dukansu na hukuma ne kuma Bankin Spain ne ya buga su, kasancewa iya zaban su ba tare da wani nau'in takurawa ba. Dole ne kawai ku tantance wanene samfurin da yafi dacewa da bayanan ku azaman mai neman wannan nau'in kayayyakin banki. Kodayake bisa ga sabon bayanan hukuma ba sa wakiltar fiye da kashi 9% na ayyukan da aka sanya hannu a cikin shekarar bara.
Sauran alamomi
Wasu daga cikin abokan hamayyar Euribor sun kunshi Abubuwan IRPH (Fihirisar Fihirisar lamunin lamuni), wanda kusan kashi 8% na lamunin jinginar ya yi amfani da shi a cikin ƙasar Sifen. Yayin da yake akasin haka, wani madadin kuma yana cikin abin da ake kira IRS (Musanya Rimar Musanya). Wannan mahimmin ma'auni ne wanda zaku iya danganta jingina. Kodayake a wannan yanayin - da kiyaye wani kamanceceniya da Euribor Plus - yana nuna canjin ƙimar ribar shekaru biyar. Babban bambanci daga tushen bayanin wanda shine batun wannan labarin.
A ƙarshe, shi ma yana nan, kodayake a bayyane yake game da buƙatar abokin ciniki, mibor (Madrid InterBank An Bada Daraja). A wannan lokacin, a ƙarƙashin bankin banki wanda ake amfani dashi a cikin kasuwar babban birnin Madrid. Koyaya, ta rasa ƙarfin da ta haɓaka a cikin 80s da 90s. Ala kulli halin, ya rage gare ka ka yanke shawarar wanene daga cikinsu za ka danganta jinginar da za ka fitar. Inda Euribor ke kan gaba a duk waɗannan ƙididdigar. A kowane hali, kawai za ka tantance wanda shine samfurin da yafi dacewa da bayananka a matsayin mai gabatar da kara na wannan nau'in kayayyakin banki.