Kasuwar jingina tana nuna wasu ƙananan canje-canje tare da farkon sabo, inda jinginar lamunin kuɗi sune waɗanda ke haɓaka mafi kyawun aiki a wannan lokacin. Duk da yake akasin haka, waɗanda aka kirkira a cikin sauye sauye suna nuna karuwar da ke faruwa a cikin Matsayin Turai, Euribor. Har zuwa ma'anar cewa yana hawa matsayi tunda ya hau kan kowane lokaci kusan watanni goma sha biyu da suka gabata. Tare da haɓaka a cikin yaɗa shi wanda ke haɓaka ƙarin buƙatar biyan wata-wata daga yanzu zuwa.
Sabbin bayanan hukuma sun nuna cewa don jinginar gida da aka yi akan yawan adadin kaddarorin, da matsakaicin riba a farkon yana da 2,61% (5,7% ƙasa da watan da ya gabata) da matsakaicin lokacin shekaru 23, a cewar sabon rahoto daga Cibiyar Nazarin Nationalididdiga ta Nationalasa (INE). Inda kuma aka gano cewa kashi 64,0% na jinginar suna kan canji mai fa'ida da kuma kashi 36,0% akan tsayayyen kud'i. Matsakaicin kuɗin ruwa a farkon shine 2,42% don jinginar rarar canji (0,7% ƙasa da na watan da ya gabata) da 3,07% don jinginar kuɗin da aka ƙayyade (14,1% ƙasa da ƙasa).
Sakamakon wannan lokacin haɗin gwiwa, bankuna suna karɓar sabon yanayin da ke nuna kasuwar jingina a Spain. Tare da bambancin kuɗin ruwa a cikin wannan rukunin samfuran, kuma inda aka bayyana cewa daga yanzu zai zama mafi riba dauki jingina na ƙayyadadden ƙayyade maimakon na canji. Tare da mamakin cewa babu wasu abubuwan al'ajabi na kowane iri don fuskantar biyan kuɗinka saboda kuɗin kowane wata zai kasance iri ɗaya, ba tare da bambancin ba. Duk abin da ya faru a kasuwannin kuɗi don haka zai ba da kwanciyar hankali ga masu neman wannan samfurin kuɗin.
Bankinter ya motsa tab
Wannan bankin yana ɗaya daga cikin waɗanda suka motsa matsayi a cikin tayin da yake bayarwa ga abokan cinikin sa. A wannan ma'anar, ta aiwatar da cewa rage farashin farashin jingina na tsawan shekaru 20 na 36 tushe maki akan kudin ruwa da aka yi amfani da shi har yanzu. Duk da yake akasin haka, bankin yana kula da canza farashinsa da yanayinsa a cikin yanayin canji. Wannan aikin na iya haifar da canjin halaye na mutanen da zasu sayi gida daga yanzu. Tare da bambance-bambancen a cikin yaduwar wannan nau'in kuɗi don dalilan ƙasa.
Bankinter ya fara shekara ta kasuwanci ta 2019 tare da raguwar ƙididdiga cikin ƙimar ribar jinginar sa-ƙayyadadden ƙayyadadden jingina da a cikin kafaffen ɓangaren gauraye. Wannan ragi ne cewa, duk da cewa ya kai ga dukkan sharudda, yana da mahimmanci musamman don lamunin bashi tare da ajiyar shekaru 20, ɗaya daga cikin buƙatun da kwastomomi ke buƙata, wanda ƙimar ribar zai kasance 1,99% daga yanzu idan aka kwatanta da na baya 2,35%, wanda wakiltar ragin maki 36.
Tare da ribar har zuwa 2,40%
Tare da wannan sabon yunƙurin, jinginar ajiyar kuɗi na Bankinter zai kasance kamar haka: 1,65% a cikin shekaru 10; 1,90% na tsawon shekaru 15; 1,99% a cikin shekaru 20; a cikin 2,30% a shekaru 25; kuma a kan kudin ruwa da ya kai kashi 2,40%, na wani matsakaicin lokaci na shekaru 30. Amma gaurayayyen kudi, wadanda aka yi su da wani tsayayyen lokaci kuma, daga baya, kudin ruwa ya canza har zuwa karshen wa'adin, yanzu zasu tsaya a kan kashi 1,90% na shekaru 10; 2,20% na shekaru 15; da 2,30% na ajalin shekaru 20. Bambanci a cikin canji mai canzawa zai ci gaba da kasancewa, har zuwa yanzu, 0,89%.
Farashin da aka ambata a cikin jingina na ajiyar wannan banki ana samun su ne ga kwastomomin da suka hada jingina da kwangila samfurin kaya: yin kwangilar Asusun Biyan Kuɗi, Asusun Kasuwanci ko Asusun Ba da Albashi (duk an biya su tare da APR na 5% a shekarar farko da 2% na shekara ta biyu har zuwa iyakar euro 5.000), yin kwangilar inshorar rai don 100% na adadin rancen, inshorar gida da shirin fansho ko EPSV tare da Bankinter Seguros de Vida, suna ba da gudummawar mafi karancin kudin shekara na euro 600 da kiyaye shi cikin karfi a lokacin wa'adin rancen.
Suna kiyaye kwamitocin guda
Game da kwamitocin da aka yi amfani da su akan waɗannan lamunin jingina suna nan yadda suke cewa bankin ya kafa na dogon lokaci don wannan yanayin: buɗe kwamiti na 1%, tare da mafi ƙarancin euro 500 da kuma diyyar janyewa don ɓangaren, duka da / ko amortization na kashi 0,5 a farkon shekaru biyar na rayuwa da 0,25 % bayan haka, ban da rarar haɗarin kasada na 0,75% wanda ake amfani da shi a yayin da farkon sokewar ya haifar da asara ga mahaɗan.
Koyaya, yanayin gaba ɗaya a fannin banki shine kwamitocin sun tafi karuwa a cikin watanni masu zuwa kuma ta hanyar ci gaba. Musamman ma, lamunin bashi da aka danganta da ƙimar riba mai canji. A cikin tentan goma na kashi idan aka kwatanta da farashin ku na yanzu ko aƙalla daga yan watanni kaɗan da suka gabata.
Canjin canji a 0,89%
Dangane da jinginar kuɗi mai canzawa, wannan ma'aikatar kuɗi tana ci gaba da kula da farashi iri ɗaya da halaye iri ɗaya tun farkon watan Oktoba na bara: ƙimar fa'ida ta ɗan takara gyarawa a cikin shekarar farko ta 1,50%, kuma daga wannan kwanan wata: Euribor + 0,89%. A gefe guda kuma, ana iya yin kwangilar jinginar kuɗi da tsayayyen lamuni ƙarƙashin tsarin "ba-ƙarin jingina" wanda ya haɗa da, ta hanyar kwangila kuma ba tare da ƙarin ƙarin kuɗi ba, dation a cikin biyan.
Wannan lamarin yana nuna cewa idan ba a biya bashin ba, mai mallakar jinginar zai amsa ne kawai tare da kadarar da aka ɗauka a matsayin jingina, wanda a wannan yanayin gidan jingina ne kanta. Mutanen da ke zaune a Spain tare da kudin shiga kowane wata sama da euro 2.000, da kuma inda makudan kudadensu shine siyan wurin zama. A cikin abin da aka kirkira a matsayin ɗayan sabbin tsare-tsaren da aka fara haɓaka tare da sabuwar shekara. Fiye da wasu ƙididdigar fasaha waɗanda ke faruwa a cikin samfurin banki wanda masu amfani da Sifan suka buƙaci.
Highananan farashin gida
Dangane da bugu na bakwai na ING Gida da Binciken Lantarki "Shin Farashin Gida Ya Yi Girma?" 63% na Turawa sun yi imanin cewa farashin gidaje za su ci gaba da tashi a cikin watanni 12 masu zuwa. Bugu da ƙari, fiye da kashi ɗaya cikin uku na waɗanda aka bincika ba su yarda cewa za su iya zama maigida ba. Wannan rahoton ya nuna cewa gabaɗaya, farashin gidan yana da alaƙa da kuma tasiri yanayin kasuwar gida. Koyaya, yawancin Europeanan ƙasar Turai, ba tare da la'akari da ƙasar ba, suna tunanin cewa farashin gidan inda suke zaune yayi yawa.
57% sun yi imani da hakan gidaje suna da tsada, kuma kashi ɗaya cikin huɗu (21% a cikin batun Sifen) suna da wahalar biyan bashin hayar su ko jinginar gida kowane wata. A matakin Turai, masu haya sun fi masu gidaje damar ayyana gidaje a cikin ƙasarsu tsada (62% zuwa 55%) ko rashin adalci (32% vs 22%).
Canji a yanayin ƙimar riba
Shekaru goma da suka gabata, farashin riba ya yi ƙasa, wanda ya taimaka haɓaka farashin gida yayin da yake da wahala ga sababbin masu gida su shigo. Ta wannan fuskar, kashi 72% na Turawan da aka yi binciken, 80% a game da Spain, sun yi imani da hakan da wuya samun gida don masu siye na farko. Mafi yawan (65% a matsakaita a Turai idan aka kwatanta da 68% a Spain) sun nuna cewa wannan yanayin ya taɓarɓare tun daga 2015.
Inda ɗayan mafi girma shine samun damar lamuni na lamuni wanda ke rufe manyan farashin da gidaje a Spain ke kulawa. Bayan banbancin bankunan da bankunan ke amfani da su, kazalika da kwamitocin da sauran kuɗaɗe a cikin gudanarwa waɗanda ke ɗaukar waɗannan abubuwan buƙatu na yau da kullun tsakanin dangin Sifen.
Kodayake tabbas da alama wannan jinginar kuɗi ba zai nuna bambancin shekarun da suka gabata ba. Sakamakon canjin yanayin da ya faru a cikin tsarin Turai. Wanda aka danganta fiye da 90% na lamunin jingina, bisa ga bayanan da Cibiyar Instituteididdiga ta Nationalasa (INE) ta bayar. Ba abin mamaki bane, tuni masu amfani suna lura da ƙaruwar kuɗin su na wata-wata a aljihun su a cikin watannin da suka gabata.
Dangane da bugu na bakwai na ING Gida da Binciken Lantarki "Shin Farashin Gida Ya Yi Girma?" 63% na Turawa sun yi imanin cewa farashin gidaje za su ci gaba da tashi a cikin watanni 12 masu zuwa. Bugu da ƙari, fiye da kashi ɗaya cikin uku na waɗanda aka bincika ba su yarda cewa za su iya zama maigida ba. Wannan rahoton ya nuna cewa gabaɗaya, farashin gidan yana da alaƙa da kuma tasiri yanayin kasuwar gida. Koyaya, yawancin Europeanan ƙasar Turai, ba tare da la'akari da ƙasar ba, suna tunanin cewa farashin gidan inda suke zaune yayi yawa.