Kuhaya mogeji kwatova kunodhura: mubereko unokwira

kufariraIcho chatove chokwadi kuti kana iwe uine mogeji uchaigadzirisa izvozvi uye zvinoda mari inodhura zvishoma kubva zvino zvichienda mberi. Semhedzisiro yekuwedzera kweiyo nhanho ye Chiratidzo cheEurope, Euribor, iyo yave iri muchikamu chekumusoro kwemwedzi mishanu. Izvi zvakaitika kubva muna Chivabvu apfuura, kuitira kuti nenzira iyi iri kufamba ichibva kune yakasarudzika kumashure mushure mekutanga kusvika kune gore umo yakaramba yakamira zvakakwana. Ehezve, haazi mashoko akanaka kune vashandisi vakanyudzwa mune ino maitiro.

Chikonzero chekutanga ndechekuti yako kiredhiti kiredhiti ichadhura, uine pamwedzi kubhadhara zvishoma Zvakawanda zvinoda. Kunyangwe mutsauko wauchange uine pachinzvimbo ichi unenge uri mashoma maeuro, chinhu chinonyanya kunetsa ndechekuti ichave iri tsika ichawedzera kubva zvino zvichienda mberi. Mukushanda kweiyo shanduko yemhando yekufarira mumisika yemari. Mupfungwa iyi, zvinofanirwa kuyeukwa kuti vakuru vezvemari vekuEurope vari kuzonyura mumwedzi inotevera. Mushure mekusazununguswa pa0% kubvira 2014. Iko mutengo wemari waive wakaita zero. Ndokunge, zero

Zvakanaka, izvi zvachinja kubva muna Gumiguru 2018, kuongororwa kweiyo bhenji yeEuropean index index kunotungamira mukuwedzera kwemwedzi pamubhadharo wechikwereti chemoji kekutanga kubvira 2014. Nekuda kweiyo Euribor ichipa imwe zvishoma zvisina kunaka mitengo kupfuura kumwe kurovedza muviri. Izvi zvakatungamira kune ongororo yezvikwereti zvemogeji uye mafomu matsva achigadziriswa kuti awedzere mubhadharo wemwedzi. Parizvino huwandu hwacho hauna kunyanya kukosha, hunofamba zvakapfuura gumi kana gumi nemashanu zvichienderana nemari inodiwa. Asi ichawedzera zvishoma nezvishoma kubva zvino zvichienda mberi. Zvinoenderana nekukwira uko kunoitwa mumutengo wemari.

Forecast yemakore mashoma anotevera

Nezve mafungidziro eEuropean benchmark index, inonyatso kuzivikanwa seEuribor, iyo Bankinter Ongororo dhipatimendi inoratidza kuti muhurongwa hwehurongwa hwekota yechitatu ya2018 fungidziro yayo yeEuribor ye2018 na2019, chiratidzo chikuru chekuverenga zvikwereti mu mwedzi inotevera. Kufanotaura kwake kunotarisira mwedzi gumi nemaviri Euribor, chiratidzo chinowanzoitika pakuverenga zvikwereti, izvo zvichave zvakatenderedza -0,17% kusvika kupera kwa2018.

Ipo zvichipesana, fungidziro yayo yeEuribor muna2018 ichafamba munzvimbo dzakasiyana -0,30% uye -0,10%. Chekupedzisira, iyo Foreibor inofungidzira ye2019 inofungidzira kuwedzera kuchange kuri pakati peinenge iri -0,10% uye anosvika 0,30%, ine mamiriro epakati anozofamba pakati pe0,10% uye 0,20%. Nezve chimbadzo, vaongorori veBankinter vanofunga kuti «mhindu yemari haizoshanduke pamberi pehafu yekutanga ya2019 asi isu tinotarisira kuti dhipoziti ichasvika 0,0%, zvichipesana nezvazvino -0,40%)».

Iine avhareji yekufarira ye2,20%

kukosha Zvezvikwereti zvakavakirwa pahuwandu hwezvivakwa munaJune, avhareji yemutero pakutanga ndeye 2,49% (6,8% yakaderera kupfuura Chikumi 2017) uye avhareji temu yemakore makumi maviri nematatu, sekureva kwazvino dhata yakapihwa neNational Institute of Statistics ( INE). Chirevo chinoratidza zvakare kuti 23% yemari mogeji iri pachiyero chemubereko uye 37,1% pachiyero chakatarwa. Ivhareji yemari yemubhadharo pakutanga ndeye 2,19% yemitero inowirirana (11,3% yakaderera pane muna Chikumi 2017) uye 3,25% yemitero yakatarwa (0,5% yepamusoro).

Nezve mamogeji mudzimba, avhareji yemutero iri 2,63% (4,5% yakaderera pane muna Chikumi 2017) uye avhareji mwaka wemakore makumi maviri nemana, maererano neINE data. Iko, 24% yembageji yemba iri pamwero wakasiyana uye 60,8% pachiyero chakatarwa. Kune rimwe divi, yakamisikidzwa-rate regeji ruzivo a 2,2% kuderera pamutengo wegore. Ivhareji yemari yemubhadharo pakutanga ndeye 2,43% yezvikwereti zvemumba pamisha inoyerera (ine kuderera kwe5,7%) uye 3,03% yezvikwereti zvakatarwa (3,5% pazasi).

Shanduko dzeRegistry dzinowedzera

kuchinjaHuwandu hwese hwezvikwereti zvine shanduko mumamiriro avo akanyoreswa mumazita ezvivakwa zviri 5.706, 22,8% pasi pane muna Chikumi 2017. Mune dzimba, huwandu hwezvikwereti zvinoshandura mamiriro avo zvinoderera ne26,3%. Tichifunga nezve mhando yeshanduko mumamiriro, munaJune pane 4.476 mavhoti (kana kugadziridzwa kwakagadzirwa pamwe chete nemari mubatanidzwa), pamwe nekuderera kwegore rose kwe22,4%.

Mune imwe tsinga, zvakakoshawo kutaura kuti huwandu hwekushanda hunoshandura chinzvimbo (subrogations kune iye mukweretesi) inodonha 30,7%, nepo huwandu hwezvikwereti mune muridzi wezvinhu zvakachengetwa mari anochinja (subrogations kune ane chikwereti) yakakura 3,5%. Mupfungwa iyi, pane maitiro anoenda kubva mukusiyana kuenda kune yakatarwa reti mogeji, semhedzisiro yeshanduko yemafambiro muEuropean benchmark index, kunyangwe iri pasi pechikamu chisati chiri chikuru pakati pevashandisi verudzi urwu rwezvigadzirwa zvemari.

Zvimwe kufarira kubva 2018

MuSpain, huwandu hwakawanda hwezvakasiyana zvezvikwereti zvemoji zvakabatana neEuribor, chaizvo nekuti chiratidzo chinogadzirwa neavhareji yemitengo iyo inokweretwa nemabhangi. Sekureva kweNational Institute of Statistics, anopfuura makumi mapfumbamwe muzana emabasa anoitwa pasi peichi chiitiko. Nepo iwo akasara emamodeli emari ari pachena ari mashoma pakati pevashandisi vebhangi. Kumirira kushandiswa kweiyo Euribor Uyezve hutsva hutsva hwekubatanidza iyo mogeji uye inotanga kubva kune dzimwe nzira nzira.

Sarudzo yemasangano emari eEuropean yekusimudza chimbadzo idambudziko rakakomba pamitero yemitero. Pakati pezvimwe zvikonzero nekuti zvinozovaita kuti vanyanye kudhura pakubhadharisa masendi avo emwedzi nematanho anoenderana nekusimba kwekuwedzera uku. Kusvika padanho rekuti inogona kuve yakakosha chinhu kusaina yakatarwa kana inoshanduka mogeji kubva zvino zvichienda mberi. Nekuti vekare vane mukana mukuru wavanogara iwe unobhadhara zvakafanana kuburikidza nemari yako yemwedzi. Chero chii chinoitika mumisika yemari sezvo iwe uchizoziva nguva dzese mutengo wekuhaya kwako.

Mhedzisiro yekukwira kwemitengo yemari

Chero zvazvingaitika, pane zvimwe zvinokonzeresa izvo kusimuka uku kuchapinda mukirasi yezvigadzirwa zvemari uye zvaunofanira kuziva kubva zvino zvichienda mberi. Semuenzaniso, iwo atinokufumura pazasi:

  • Zvichatove zvakanyanya kuomarara kwauri kuti uwane chikwereti nacho inopararira pazasi pe1%, sezvazvakaitika kwauri kusvikira zvino.
  • Makomisheni anogona kuwedzerwa nezvishoma zvegumi muzana kubva pamitengo yavo yekutanga. Zvichavawo zvakanyanya kuoma kuona zvikwereti zvisina ma komisheni uye nezvimwe zvinoshandiswa mukutarisira kwavo kana kugadzirisa.
  • Inogona kunge iri nguva yekutora yakatarwa-rate mogeji kune dzivisa kuomarara uku mumamiriro ezvinhu ehuwandu hwehuwandu hwezvikwereti. Munguva yepakati nepakati, iwe uchabhadhara mari shoma muzvikamu zvepamwedzi. Kubhadhara zvakafanana, chero chii chinoitika kumutengo wemari.
  • Haisi iyo yakanakisa yenguva yekunyorera iyi kirasi yemabhegi ekuti uve nawo rova pasi maererano nekushanduka kwemitero.

Marigeji dzakabatana-dzakabatana

Euribor Pakati pezvikwereti mazana mashanu nemakumi manomwe neshanu zvine shanduko mumamiriro avo, 5.706% inokonzerwa neshanduro yemitero. Mushure mekushandurwa mumamiriro ezvinhu, iyo chikamu cheyakagadziriswa-mwero mogeji inowedzera kubva pa7,0% kusvika 14,6%, nepo iyo yemari inokwereta yemubhadharo yakaderera kubva pa92,6% kusvika 85,0%. IEuribor ndiyo chiyero icho chikamu chepamusoro chehuwandu hwehuwandu hwehuwandu hwezvikwereti hunoreva, zvese kusati kwachinja (76,9%) uye mushure (77,9%). Mushure mekushandurwa kwemamiriro ezvinhu, avhareji yekufarira pazvikwereti mune yakatarwa-reti mogeji yakadzora mapoinzi e0,9. Variable rate regeji zvakare yakadonha 0,9 muzana mapoinzi.

Iyo yekumatanho yeEuropean ndiyo iyo kwavanobatanidzwa zvinopfuura makumi mapfumbamwe muzana emabasa yakagadziriswa pamutengo wakasiyana wemutero. Zviripachena zvakanyanya muzvibvumirano zvakasainwa nevashandisi uye pamusoro pezvimwe indices izvo parizvino zviri zvishoma mukugamuchirwa kwavo. Kune rimwe divi, iyo data yakapihwa neNational Institute of Statistics (INE) inoratidzawo kuti nharaunda dzakazvimiririra dzine huwandu hwakanyanya hwezvikwereti zvakagadzirwa mudzimba muna Chikumi inharaunda yeMadrid (6.399), Andalusia (5.765) uye Catalonia ( 4.852).

Huwandu hwese hwezvikwereti zvine shanduko mumamiriro avo akanyoreswa mumazita ezvivakwa zviri 5.706, 22,8% pasi pane muna Chikumi 2017. Mune dzimba, huwandu hwezvikwereti zvinoshandura mamiriro avo zvinoderera ne26,3%. Tichifunga nezve mhando yeshanduko mumamiriro, munaJune pane 4.476 mavhoti (kana kugadziridzwa kwakagadzirwa pamwe chete nemari mubatanidzwa), pamwe nekuderera kwegore rose kwe22,4%.

Mupfungwa iyi, pane maitiro anoenda kubva pamusiyano kuenda kune yakatarwa reti mogeji, semhedzisiro yeshanduko yemafambiro muEuropean benchmark index.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako