Ofaya daga cikin rashin tabbas lokacin da zaka sanya hannu kan jinginar gida shine ko don zaɓar ajalin ƙayyadadden lokaci ko akasin haka mai sauyawa. Shawara ce wacce zaka dogara da ita biya kuɗi mafi yawa ko lessasa na tsawon lokaci fiye da kima saboda rayuwar wannan samfurin kudin. Dole ne a yanke wannan shawarar dangane da jerin masu canzawa, kodayake ɗayan mafi ƙayyadaddun abubuwan da aka yanke hukunci zai zama abin da ya shafi canjin ƙimar riba a cikin kasuwannin kuɗi. Zuwa ga cewa wannan bayanan zai ba ku ra'ayi fiye da ɗaya don zaɓar ɗaya ko wata samfurin kuɗi.
A kowane hali, farashin kuɗi zai zama mahimmanci a gare ku don haɗi jinginar ka a daya ko wani nau'in sha'awa. A wannan lokacin, shawarar Babban Bankin Turai (ECB) zuwa rage farashin kudi Ya sanya kwangilar sau-da-jinginar lamuni ya zama mai riba fiye da da. Domin ya danganta da wannan dabarar ta kudi, tanadin da zaka samu a cikin abubuwan da kake sakawa duk wata zai fi yawa. A wannan ma'anar, ba za ku iya mantawa da cewa ƙimar riba a cikin yankin kuɗin Yuro suna a matakin mafi ƙaranci ba. Abinda yake taimaka maka zaɓi wannan zaɓi na jinginar gida.
Farashin kuɗi a ƙasashe masu amfani da kuɗin Euro yana a 0%. Wannan a aikace yana nuna cewa kuɗin ba su da komai kuma saboda haka ya fi gamsar da bukatun ku don biyan kuɗin lamuni mai saurin canzawa fiye da wanda aka ƙayyade. Koyaya, wannan yanayin ne wanda ba zai dawwama a kowane lokaci kuma a kowane lokaci yana iya juyawa ya kama ku a cikin matakin da aka canza. Tare da wanna, yana iya haifar da jerin haɗari a matsakaici da dogon lokacin da dole ne kuyi la'akari lokacin ƙirƙirar wannan samfurin kuɗin. Saboda kudade da yawa suna cikin gungumen azaba a cikin irin waɗannan ayyuka masu darajar gaske.
Ba da rancen kuɗi: mafi kwangila?
Dangane da sabon bayanan da Cibiyar ofididdiga ta (asa (INE) ta bayar, ya bayyana sarai cewa masu canji sun fi yawa a tsakanin masu amfani da Sifen. Lokacin da aka samo shi a cikin rahotonta cewa a cikin jingina da aka yi akan gidaje, yawan kuɗin ruwa shine 2,73% (13,5% ƙasa da Disamba 2016) da matsakaicin lokacin shekaru 23. Yayinda kashi 62,5% na jinginar gida suke a wani canji mai sauki kuma 37,5% a kan tsayayyen kudi. Wani bayanan da suka dace daga wannan binciken shi ne cewa jinginar gida-jingina sun sami ƙaruwa na shekara 4,9%.
Rahoton kowane wata na INE ya kuma jaddada cewa matsakaicin riba a farkon shine 2,54% don jinginar akan gidaje masu canji (tare da ragin 18,6%) da 3,13% don jinginar kuɗin da aka tsayar. (3,5% ƙasa). Dangane da jimlar lamunin lamuni tare da canje-canje a cikin yanayin su da aka yi rajista a cikin rijistar kadarorin ya kai 5.519, 24,4% ƙasa da shekara guda da ta gabata. Game da gidaje, yawan jingina cewa gyara yanayin su rage 17,6%.
Da wane nau'in kuke biyan ƙasa?
Ofaya daga cikin tambayoyin da suka taso shine tare da wane nau'in ribar da zasu kawo ƙarshe biyan kuɗi kaɗan don tsara lamunin jinginar su. Da kyau, komai zai dogara ne da wane yanayi ne yawan kuɗin ruwa yake kawowa a kowane lokaci. Saboda wannan, kuna cikin matsayi don adana eurosan kuɗi kaɗan ta hanyar kuɗin kowane wata. A halin yanzu, mafi kyawun abu shine jingina zuwa canjin canji. Daga cikin wasu dalilai, saboda zaku iya samun a cikin tayin lamuni na yanzu shimfidawa ko da kasa da 1%.
Wannan yana da alaƙa da juyin halitta Matsayin Turai, Euribor, wanda sama da 90% na canjin jingina a cikin ƙasarmu ke da alaƙa, bisa ga bayanan da Cibiyar ofididdiga ta providedasa ta bayar. Wannan shi ne saboda gaskiyar cewa wannan asalin bayanin yana cikin ƙarancin tarihi. Musamman, bayan shekaru da yawa yana cikin yankin mara kyau, musamman a -0,161. Kuma wannan yana taimaka wa kuɗinka don wannan samfurin ya zama ƙasa da yadda yake a kowane yanayi ya fi riba fiye da idan ka zaɓi ƙayyadadden adadin kuɗin jingina.
Kafaffen ƙimar kuɗi
A kowane hali, masu amfani sun gano canji a cikin 'yan watannin nan. A cikin yarda da jinginar kuɗi mai tsayayyen sama da masu canji. Wannan bambancin a cikin ƙwarewar abokan ciniki yafi saboda canjin yanayi a cikin manufofin kuɗi. A Tarayyar Turai, ana sa ran farashin ruwa zai fara tashi a karshen wannan shekarar, koda yake a hankali. Wani abu da tuni ya fara haɓaka a Amurka, inda riba akan kuɗi ya tashi zuwa matakan 1,50% da 1,75%. Gabanin wannan sabon yanayin, jinginar gidaje mai ƙayyadaddun kuɗi sun sake jin daɗin fifikon masu neman.
Aiwatar da wannan dabarar na iya zama da riba ƙwarai don amfanin ku a cikin matsakaici da kuma dogon lokaci. Dalilin shi ne cewa dole ne ku yi a mafi girma kokarin tattalin arziki, amma tsawon shekaru zai daidaita sakamakon wani banbancin bambanci game da jinginar lamura masu canzawa. A wannan ma'anar, matsakaicin kuɗin ruwa a farkon aikin shine kashi 2,54% don jinginar akan gidaje masu hawa kan ruwa da kuma 3,10% don jinginar kuɗi mai tsayayyen kuɗi.
Koyaushe tare da kuɗin kuɗin kowane wata
Amma kuma zaku sami fa'idar hakan koyaushe zaka biya wannan kudin duk wata. Duk abin da ya faru a kasuwannin kuɗi. Don haka ta wannan hanyar, kun kasance a cikin kyakkyawan yanayi don tsara kasafin ku na sirri ko na iyali. Domin ba zaku sami kowane irin abin mamakin yayin tsawon kwangilar ba. Ba kamar masu canji waɗanda suka dogara da canjin kasuwannin kuɗi ba. A wannan ma'anar, idan nufinku shine samun kwanciyar hankali mafi girma daga yanzu, zai fi kyau ku tsara ɗaya daga cikin jingina na musayar kuɗi. Kodayake a farkon kuna biyan ƙarin kuɗi, bayan motsa jiki da yawa adadin wannan samfurin kuɗi zai ragu.
Daga wannan yanayin, zai zama kuma mai sauƙi a gare ku ku san cewa a ƙayyadadden ƙimar kwamitocin sun fi buƙata. Saboda a zahiri, suna amfani da fa'idodin da ke daidaita tsakanin 1% da 1,5% kuma a gefe guda galibi suna haɗawa a wasu lokuta kwamiti mai haɗari don ƙimar riba. Hadari ne wanda dole ne ku ɗauka don zaɓi wannan madadin kuɗin. A musayar don rashin samun bambanci a cikin kuɗin jinginar gida. Haske ne da inuwar duka sifofin tallafi na sayan gida.
Yanayi a cikin kudaden ruwa
A cikin kowane hali, idan niyyar ku ita ce ta biyan kuɗin lamunin lamuni a wannan lokacin, wataƙila mafi kyawun yanke shawara shine canjin canji saboda shine zaɓi mafi fa'ida. Domin yaduwansu sun fi araha don bukatunku. Amma idan kun duba sosai a cikin matsakaici da kuma dogon lokacin saboda ba zaku sami labarai a duk tsawon rayuwar jinginar ba. Ba zai ba ku irin wannan ba, abin da ke faruwa a kasuwannin kuɗi, koda kuwa an sami yanayin tashin hankali cikin ƙimar riba. Wato, da farko zaku biya ƙarin kuɗi, amma sannan asusunka na yau da kullun zasu daidaita ko inganta.
A wannan lokacin, jinginar kuɗi na ƙayyadaddun kuɗi yana da ƙimar riba mafi girma da maki ɗaya ko biyu game da ƙimar canji. Sabili da haka, yanke shawara ne na mutum wanda zai iya canzawa a kowane lokaci kuma ya dogara da manufofin kuɗi ta bankin kula da Turai. A gefe guda kuma, akwai madadin madadin jinginar gidaje, wanda shine keɓaɓɓiyar haɗuwa ta samfuran biyu. Tare da fa'idodi da rashin fa'ida na waɗannan tsare-tsaren kuɗin.
Sharuɗɗan tsayawa
Daga yanzu, kawai za ku ɗauki kalkuleta ku duba wanda shine mafi kyawun girke-girke don biyan kuɗin ƙasa da euro a cikin kuɗinku na wata yayin sharuɗɗan dindindin na waɗannan kayayyakin kuɗin. Ta wannan ma'anar, an saukar da iyakar amortization zuwa Shekaru 35 ko 30. Bayan kusan shekaru 50 kenan kafin matsalar tattalin arziki. Ba abin mamaki bane, yana ɗaya daga cikin abubuwan da yakamata kuyi la'akari dasu don sanin idan ya muku sauƙi don ɗaukar jinginar kuɗi mai ƙayyadadden lokaci ko akasin haka mai sauyawa.
A gefe guda, wani ɓangaren bincike shine kwamitocin kuma a cikin yanayin da ake ciki yanzu an rage girmanta. Ya ma fi yawa da yawa cewa an keɓance su daga waɗannan kuɗin sakamakon yanayin ƙarancin riba mai fa'ida. A kowane hali, suna wakiltar har zuwa 2% na adadin da aka nema a cikin aikin. Kuma cewa daga ƙarshe zasu iya sa farashin ƙarshe yayi tsada don tsarinta daga yanzu. A gefe guda kuma, akwai madadin madadin jinginar gidaje, wanda shine keɓaɓɓiyar haɗuwa ta samfuran biyu. Tare da fa'idodi da rashin fa'ida na waɗannan tsare-tsaren kuɗin.