Wani abu yana canzawa a yanayin ba da jingina na ƙasa a cikin recentan watannin da suka gabata, wanda mamaye dokar sabon tsarin lamuni da raguwar tattalin arziki suka mamaye shi. A wannan yanayin gabaɗaya, al'ada ce ga masu amfani da banki da yawa suyi mamakin ko ya cancanci karɓar lamuni don ɗaukar jingina a yanzu. Domin siyan gida wanda zai iya zama a tsarin zuba jari idan aka ba da shakku daga ƙayyadaddun kasuwannin samun kuɗin shiga a cikin wannan shekarar da muka fara yanzu.
Saboda a cikin ni'imomin sa yana da cewa farashin kuɗi ya ci gaba a ƙarancin tarihi a kasance a 0% a cikin yankin Euro. Wannan yana nufin, ba tare da wata ƙima ba sabili da haka ya fi dacewa cewa bukatun rancen yanzu sun fi gasa fiye da fewan shekarun da suka gabata. Inda zaka iya adana eurosan kuɗi yuro kowane wata a cikin aikin da aka sanya hannu tare da ma'aikatar kuɗi. Daga wannan ra'ayi idan wannan harkar banki tana da fa'ida kuma ana iya cewa yana da daraja a ari don biyan kuɗin lamuni.
A kowane hali, ana lura da canjin halaye na kwangila tunda akwai salo zuwa kwangilar ba da rance hade da tsayayyen kudin shiga sama da tsayayyen kudin shiga. Wannan saboda akwai shakku da yawa game da abin da zai iya faruwa daga yanzu. A cikin imanin cewa ƙimar riba na iya tashi a cikin shekaru masu zuwa kuma cewa ya kasance bayan duk abin da ya motsa don wannan canjin a cikin buƙatar neman lamuni don siyan ɗaki. Ba a tunanin cewa yanayin zai ci gaba kamar a cikin waɗannan shekarun annashuwa don kwangilar lamuni na waɗannan halayen.
Biyan kuɗi: Euribor ya kasance a mafi ƙarancin
Ofaya daga cikin tushen isharar don yanke wannan shawarar yana zaune a cikin gaskiyar abin da bayanin zancen Turai zai iya yi don kwangilar jingina. Kuma a cikin wannan ma'anar, bayanan da Cibiyar Nazarin Nationalididdiga ta Nationalasa ke tallafawa ba sa ba da shakku ga masu neman wannan samfurin kuɗin: Euribor shine ƙimar da mafi yawan adadin jinginar gidaje ke nuni. Amma duk da komai a ɗan gajiya a cikin juyin halitta musamman game da shekarun baya. Inda za a iya cewa ya mallaki kasuwar jingina tare da cikakken tsabta.
A cikin wannan yanayin gabaɗaya, ya kamata a san cewa wannan jeri don yin kwangilar jingina don siyan ƙasa mai kyau zai ci gaba har tsawon shekara guda a mummunan filin. Kodayake wani abu daban ya bambanta shine abin da zai iya faruwa a cikin shekaru biyu kuma wannan shine abin da ke haifar da jinginar kuɗi na ƙayyadadden lokaci ya dawo zuwa sha'awar babban ɓangaren masu amfani da banki. Dole ne a nanata cewa ra'ayin masana ya hango cewa ba za a sami manyan canje-canje masu yawa a cikin manufofin kuɗin ECB ba. Don haka ta wannan hanyar, babban ma'auni na jinginar lamura bai dawo sama da sifili ba
A kowane lows
Ba za a iya mantawa cewa a tsakiyar shekara Euribor ya faɗo zuwa mafi ƙarancin lokaci ba kuma daga baya, a cikin 'yan watannin nan, ya sake ci gaba da tafiya zuwa sama, duk da cewa ta hanyar da ke ƙunshe. Don ƙarshe rufe wannan shekara wannan ya tafi a -0,263. Tare da waɗannan matakan idan sanya hannu kan wannan aikin zai iya samun fa'ida sosai tunda zamu tara kuɗi da yawa a cikin biyan kowane wata na irin wannan bashin. Zuwa ga faɗin cewa yana da daraja aro don biyan kuɗin jingina a yanzu. Amma kawai a waɗannan lokacin, wani abu daban daban shine abin da zai iya faruwa a cikin fewan shekaru masu zuwa.
Game da hasashenta, dole ne a nuna cewa Euribor a cikin 2020 zai kasance kusa da -0,22 kuma, a cikin 2021, wanda zai haifar da ragin kuɗi kaɗan na jinginar kuɗi da aka sake dubawa a farkon rabin shekara. Wannan zai iya zama wani kyakkyawan adadi don yanke wannan shawarar a waɗannan kwanakin farko na shekara kuma zai iya zama garantin irin wannan bashin da za a yi da kuma saka hannun jari a cikin tubalin na thean shekaru masu zuwa. Tare da yanayin da a halin yanzu bai sami wani canji mai mahimmanci ba kuma hakan yana haifar da wannan jerin matakan da za'a ɗauka yayin kwangilar lamunin lamuni.
Kudaden sha'awa akan jingina
Tayin da cibiyoyin bada bashi ke bunkasa suna samar da lamuni mai rahusa, tare da banbanci tsakanin 1% da 2%. Amma abu mafi fa'ida ga masu neman wannan samfurin shine cewa ana tallata shi ba tare da kwamitocin ko wasu kuɗaɗen gudanarwa da kulawarsa ba. A takaice dai, sun fi araha a cikin gajeren lokaci kuma wannan kyakkyawan labari ne mai kyau ga masu nema. A kowane hali, ya riga ya fi wuya samun rance don siyan gida tare da bambanci ƙasa da 1%, kamar yadda yake shekaru biyu ko uku da suka gabata.
Wani daga cikin fitattun fannoni da kasuwar jingina ta haifar yana tafiyar hawainiya a cikin 'yan watannin nan sakamakon mummunan alamun tattalin arzikin duniya. Inda aka hango cewa za a ƙara jaddada wannan yanayin a cikin watanni masu zuwa kuma musamman daga shekara ta 2021. Inda ake tsammanin canjin ra'ayi a cikin manufofin kuɗi na Babban Bankin Turai (ECB), tare da ƙarin farashin kuɗi. Saboda wannan dalili. Ba abin mamaki bane cewa haɓakar kamfanin ba da jingina a wannan shekara wanda ya bar mu ya zama ƙasa kaɗan 0,1. A wasu kalmomin, sayan jinginar gida na iya zama mai riba a yanzu kuma a cikin ɗan gajeren lokaci, amma ba a cikin matsakaici da dogon lokaci ba kuma saboda wannan dalilin ana ganin dakatar da buƙatunta a cikin bayanan hukuma na yanzu.
Duk da yake a ɗaya hannun, ba za mu iya mantawa da shakku cewa saka hannun jari a kasuwannin kuɗi ba ya kawowa. Saboda tsayayyen kudin shiga ba shi da fa'ida sosai a wannan lokacin tare da iyakokin tsaka-tsakin da suka kai kusan 1%, yayin da samfuran daidaito ke ba da shakku da yawa saboda fa'idar da ke cikin waɗannan kasuwannin kuɗin. Har zuwa ga jin tsoron cewa zasu iya rasa wani ɓangare na babban jarin su ga abin da zai iya faruwa da waɗannan kadarorin kuɗin.
Yawan jinginar ya fadi da kashi 2,1%
Adadin jinginar da aka yi akan gidaje ya kai 29.691, kaso 2,1% kasa da na watan Oktoba 2018, a cewar sabon bayanan da Cibiyar Kididdiga ta Kasa (INE) ta bayar. Inda aka nuna cewa matsakaicin adadin yakai Euro 129.237, tare da kari na 1,1%. Da matsakaita adadin na jinginar kan yawan kadarorin da aka yi rajista a cikin rajistar kadara a watan Oktoba (daga ayyukan jama'a da aka gudanar a baya) ya kai euro 147.338, kaso 4,2% bisa ɗari bisa na wannan watan a shekarar 2018. A ɗaya hannun kuma, ƙimar jinginar da aka ƙayyade a kan mallakar biranen ya kai euro miliyan 5.671,1, ƙasa da 0,9% a cikin Oktoba 2018. A cikin gidaje, babban birnin da aka ba da rancen ya tsaya a miliyan 3.837,2, tare da raguwar shekara-shekara na 1,1%.
Bayanai da Cibiyar Kididdiga ta Kasa (INE) ta bayar sun kuma tabbatar da cewa don jinginar da aka yi kan dukkan kaddarorin a watan Oktoba, matsakaicin kudin ruwa a farkon shi ne 2,42% (6,0% ƙasa da na Oktoba 2018) da kuma matsakaita lokacin shekaru 23 . Kashi 57,1% na jinginar lamura suna kan riba mai riba kuma 42,9% a kan tsayayyen kuɗi. Inda matsakaicin riba a farkon yakai 2,09% don jinginar musayar masu canji (11,2% ƙasa da na Oktoba 2018) da 3,02% don jinginar kuɗi da aka ƙayyade (1,4% ƙasa). Don jinginar gida, matsakaicin kuɗin ruwa shine 2,50% (5,0% ƙasa da na Oktoba 2018) kuma matsakaicin lokaci shine shekaru 24.
Canjin canji ya ragu zuwa 79,2%
54,7% na jinginar gida suna kan canji mai canji kuma 45,3% a ƙayyadadden ƙimar. Matsakaicin kuɗin ruwa a farkon shine 2,17% don jinginar gida m kudi (tare da raguwar 10,2%) da 3,02% don ƙayyadadden ƙimar (0,1% mafi girma). Duk da yake a ƙarshe, bayanan INE sun nuna cewa daga cikin lamunin jingina na 4.584 tare da canje-canje a cikin yanayin su, 35,0% saboda canje-canje ne a cikin kuɗin ruwa. Bayan canjin yanayi, yawan jinginar riba ya karu daga 13,0% zuwa 19,7%, yayin da na canza jinginar ruwa ya ragu daga 86,3% zuwa 79,2%. Euribor shine ƙimar da yawancin kaso mafi yawa na jinginar gidaje ke nuni, duka kafin canjin (77,1%) da kuma bayan (76,2%).
Tayin da cibiyoyin bashi ke bunkasa suna samar da lamuni mai rahusa, tare da banbanci tsakanin 1% da 2%. Amma abu mafi fa'ida ga masu neman wannan samfurin shine cewa ana tallata shi ba tare da kwamitoci ko wasu kuɗaɗen gudanarwa da kulawarsa ba. A takaice dai, sun fi araha a cikin gajeren lokaci kuma wannan kyakkyawan labari ne mai kyau ga masu nema.