Idan niyyar ku a cikin watanni masu zuwa shine siyan ƙasa, ya dace muku karanta wannan labarin. Saboda Euribor shine ma'aunin ma'auni na Turai wanda aka danganta yawancin waɗannan ayyukan. A cikin ayyuka zuwa m kudi wanda shine mafi yawa daga masu amfani da Sifen. A wannan ma'anar, kashi 60,6% na jinginar gida an kirkiri shi bisa canjin canji da kuma 39,4% a ƙayyadadden ƙimar, bisa ga bayanan da Cibiyar ofididdiga ta (asa (INE) ta bayar. Inda jinginar lamunin ajiyar kuɗi ya sami ƙaruwar 30,7 a cikin kuɗin shekara-shekara dangane da ma'aunin da ya gabata.
A gefe guda, kuma bisa ga waɗannan maɓuɓɓugan, fiye da 90% na rancen lamuni ana ambata zuwa Euribor a cikin 'yan shekarun nan, a cewar rahotanni waɗanda aka yi daga Cibiyar ofididdiga ta Nationalasa. Wannan wani lamari ne wanda yake bayyana cikakkiyar cancantar da wannan ma'aunin tsohuwar nahiyar yake dauka. Sama da wasu waɗanda a fili suke 'yan tsiraru daga fifikon masu amfani da ƙasa. Kusan yawancin kwangilar canjin kudi an tsara su tare da wannan mahimmin bayanan.
Ofaya daga cikin dalilan da ke bayanin wannan nasarar tsakanin masu neman jinginar ta kasance saboda keɓaɓɓen lokaci na musamman da kasuwannin kuɗi ke tafiya. Tun a karon farko a cikin shekaru da yawa, Euribor yana cikin yanki mara kyau. Wannan a aikace yana nufin cewa dole ne ku biya kuɗi da yawa a cikin kuɗin ku na wata don yin kwangilar lamunin lamuni. Tare da adana dubun dubatar Tarayyar Turai dangane da sauran al'amuran cikin kasuwar ƙasa da kuma tabbas dangane da jinginar da aka sanya su zuwa ƙididdigar kuɗin shiga, kodayake waɗannan koyaushe suna da matsayi iri ɗaya kowace shekara. Duk abin da ya faru a kasuwannin kuɗi daga yanzu.
Euribor, yadda ake biyan jinginar gidaje?
Ofaya daga cikin abubuwan da suka fi dacewa game da Euribor a cikin rancen gidaje shine yadda yake shafar kuɗin da kuke fuskanta don mallakar wannan ɗakin da kuke so sosai. Da kyau, bankuna Yi amfani da shimfiɗa akan wannan ma'aunin ma'auni. Kuma wannan a cikin yanayin duniya na yanzu tabbas yana da matukar dacewa don sha'awar ku a matsayin mai amfani da banki. A wannan ma'anar, bai kamata ku manta da cewa a wannan lokacin yana da kyau sosai don bukatunku su sami rancen lamuni da aka haɗa da wannan alamar ba. Domin a yanzu za ku biya kuɗi kaɗan kamar na 'yan shekarun da suka gabata.
A gefe guda kuma, wani yanki mai kyau na jinginar da bankuna ke tallatawa suna karkashin wannan yanayin a yarjejeniyar su. Saboda haka yana da wuya ka sami wasu alamomi ban da Euribor. Zuwa ga cewa basa wakiltar sama da 8% na sabbin kwangila kuma a mafi yawan lokuta a ƙarƙashin sharuɗɗa a cikin tsari wanda ya zama mafi alfanu a gare ku. Daga cikin wasu dalilai saboda ba ku da wani zaɓi sai dai don ɗaukar ƙarin kuɗi daga farkon. Fiye da sauran ƙididdigar fasaha waɗanda ke da alaƙa da tsarin wannan samfurin samfuran banki mai mahimmanci.
Euribor a raunin tarihi
A cikin kowane hali, akwai abu ɗaya wanda dole ne ya zama mai haske sosai daga yanzu zuwa yanzu kuma wannan shine abin da ke nunawa a cikin mafi kyawun ranakinta. Wato, shi ne a kowane lokaci lows ko menene iri ɗaya a mafi ƙarancin matakin sa a recentan shekarun nan. Har zuwa cewa juyin halittarta ya kai shi ga sanya kanta a kan mummunan yanayi a karon farko a tarihinta. Domin a sakamakon haka, ma'aunin ma'auni na Turai, Euribor, a halin yanzu yana -0,18, bayan a 2015, alal misali, an same shi a matakan tabbatacce, a 0,267. Tare da banbanci mai yawa tsakanin waɗannan shekaru uku kuma hakan ya haifar da ƙarshen cewa kuna biyan kuɗi kaɗan don kwangilar jingina.
Tabbas, wannan yanayi ne mafi alfanu a gare ku don ɗaukar jingina daga yanzu. Ba abin mamaki bane, yaduwar da bankunan da yawa ke amfani da shi an rage shi zuwa matakan da ba za a taɓa tsammani ba har sai fewan shekarun da suka gabata. Wannan a aikace yana nufin cewa zaku iya gano yaduwa a yau. ko da kasa da 1%. Amma ba shine kawai fa'idar da zaku iya samu daga biyan kuɗi zuwa ɗayan waɗannan samfuran banki ba. Tunda kyakkyawan ɓangare na rancen lamuni da aka sanya don siyarwa ana yin su ba tare da kwamitocin ko wasu kuɗaɗe a cikin gudanarwar su ko kulawar su ba. Sakamakon canjin wannan bayanin a tsohuwar nahiyar.
Halin da ba zai dawwama ba har abada
Akasin haka, dole ne ku tuna cewa kodayake lokaci ne mai kyau don jinginar da kanku, wannan yanayin ba zai yi nisa da dawwama ba. Idan ba haka ba, akasin haka, zaku iya juyawa a kowane lokaci kuma zai fara tashi kuma da kuɗin biyan ku na wata zai tashi. Daidai a lokacin da Babban Bankin Turai (ECB) ya yanke shawarar ƙara ƙimar riba. Aiki wanda a gefe guda yake shirin aiwatarwa a shekara mai zuwa, kodayake ba tashin hankali bane, amma a hankali. Wannan yana nufin cewa Euribor zai fara tashi kuma zai shafi kashe kuɗin da zaku fuskanta don bayar da rancen lamuni don siyan wannan gidan da kuke so koyaushe.
Wannan babban bambanci ne sosai daga jinginar gidaje. Inda koyaushe zaka biya wannan kudin duk wata, Duk abin da ya faru a kasuwannin hada-hadar kudi. Tare da kwanciyar hankali za ku iya tsara kasafin ku na sirri ko na iyali da kyau sosai a cikin shekaru masu zuwa. Ko da fa'idar cewa hakan zai inganta tsadar rayuwa, gwargwadon abin da zai iya faruwa da kai a cikin fewan shekaru masu zuwa. Misali, idan ka zama mara aikin yi, an saukar da albashinka a wajen aiki ko kuma ka samu hatsari a matsayin ka na mai aikin kai. Anan ne ake bayar da babbar fa'ida ta hanyar jinginar gidaje da ke haɗe da ƙayyadadden ƙimar sama da masu canji.
Fa'idodi na jinginar gidaje
A kowane hali, ba za ku sami zaɓi ba sai dai ku auna duk fa'idodin da jinginar kuɗi ta musanya za ta iya samar muku, saboda dangantakarta ta musamman da ma'aunin ma'aunin Turai. Da kyau, a cikin wannan yanayin gabaɗaya, gudummawar suna da banbanci da kuma yanayi na daban, kamar yadda zaku gani daga yanzu. Da farko dai, kar a manta cewa canjin farashin kuɗi na iya wakiltar a ƙananan kudade a cikin ƙarancin yanayin tattalin arziki. Daga wannan ra'ayi, aiki ne mafi dacewa don amfanin ku a matsayin mai amfani wanda kuke da gaske.
A gefe guda, yana yiwuwa kuma kuna cikin ikon fadada biyan bashin har zuwa shekaru 35 ko 40 azaman mafi girma. Wani abu wanda a ƙarshe zai kasance mai fa'ida matuƙar juyin halittar Euribor yayi daidai da yadda yake nuna ya zuwa yanzu. Koyaya, tare da tabbaci cewa wannan yiwuwar ta wannan hanyar. Ba haka bane ko kaɗan saboda bai kamata ku manta cewa wannan jeri na musamman an lasafta shi kowace rana a cikin kasuwannin kuɗi ba. Sabili da haka farashin sa ba koyaushe bane. A wasu lokuta don mafi kyau, amma a wasu tare da sakamako mara kyau a sarari. Zuwa ga cewa abu ne wanda dole ne ku yi tsammani lokacin da kuke neman tushen kuɗi don siyan ɗaki ko gida.
Galibi yawan jinginar gida ne
Wani yanayin da yakamata ya zama abin kulawar ku na musamman shine yin magana akan matakan Euribor na yanzu, jinginar kuɗi mai saurin canzawa za su sami ƙananan bukatun game da waɗanda ke da ƙayyadaddun yanayi. Har zuwa ma'anar cewa zaka iya adana kuɗi da yawa ta hanyar biyan kuɗin wata kuma ta kowace hanya fiye da yadda zaku iya tunanin daga wannan lokacin zuwa. A gefe guda, gaskiyar lamarin ta rinjayi shi ma cewa lamunin da ke ƙarƙashin bambancin Euribor ba shi da hukumar haɗarin ƙimar riba. Wani abu wanda, a gefe guda, yawanci yakan same mu a cikin lamuni na lamuni mai ƙayyadadden lokaci.
Idan wannan tushen kuɗin don gama gari a cikin buƙatun mai amfani yana da alaƙa da wani abu, saboda saboda yawanci ana sayar dashi ne ta bankuna. Tabbas, ba zaku sami matsala kaɗan don gano samfurin tare da waɗannan halayen ba. Ko da daga daban-daban Formats, wasu daga cikinsu hakika suna da kirkirar gaske saboda tsananin karfin da wannan kasuwa take gabatarwa a wannan lokacin.
Har zuwa ma'anar cewa zaku iya haɗa shi tare da jinginar riba na ribar riba wanda aka kirkireshi azaman matsakaici ko samfura masu haɗi. Dogaro da bayanan da kuka gabatar a matsayin abokin cinikin banki, wanda shine, bayan duk, menene ya ƙunsa cikin buƙatun waɗannan nau'ikan kayayyakin banki. Kodayake komai zai dogara ne da yadda farashin kuɗi ke canzawa daga yanzu. Inda komai ya kasance yana ƙarƙashin yanayin haɓaka kuma hakan na iya rushe shirye-shiryen dole ne ku mai da hankali kan lamunin lamuni.