Kana chinangwa chako mumwedzi iri kuuya ndechekutenga zvivakwa, zviri nyore kuti iwe uverenge chinyorwa ichi. Nekuti iyo Euribor chiratidzo cheEuropean benchmark iyo kune mazhinji emabasa aya akabatana. Mukushanda ku chiyero chinoshanduka inova ndiyo yakawanda nevashandisi veSpanish. Mupfungwa iyi, 60,6% yemari mogeji inogadzirwa pamwero wakasiyana uye 39,4% pamutengo wakatarwa, zvinoenderana nedhata rakapihwa neNational Institute of Statistics (INE). Iko kwakamisikidzwa rate regeji inosangana nekuwedzera kwe30,7 muyero yegore neruremekedzo kune yakapfuura kuyerwa.
Kune rimwe divi, uye zvinoenderana neaya manyuko akafanana, zvinopfuura makumi mapfumbamwe kubva muzana emari yemitero yemitero inotaurwa kuEuribor mumakore achangopfuura, maererano nemishumo yakaitwa kubva kuNational Institute of Statistics. Ichi chinhu chinotsanangudza zvakakwana kukosha kuri kuitwa nebenchmark yekondinendi yakare. Pamusoro pevamwe zviri pachena kuti vashoma pakati pezvinodiwa nevashandisi venyika. Chaizvoizvo huwandu hwakawanda hwezvibvumirano zvemitengo zvakagadziriswa neiyi yakakosha indekisi.
Chimwe chezvikonzero chinotsanangura izvi kubudirira pakati pevanyoreri vechikwereti ndeimwe yenguva yakakosha uye yakasarudzika yakanaka iyo misika yezvemari iri kupfuura nayo. Sezvo kwenguva yekutanga mumakumi emakore, iyo Euribor iri munharaunda isina kunaka. Izvi mukuita zvinoreva kuti uchafanirwa kubhadhara mari yakawanda muzvikamu zvako zvepamwedzi zvekutora chikwereti cheimbageji. Nekuchengetwa kwezviuru zvemazana euros zvine chekuita nezvimwe zviitiko mumusika wekutengesa zvivakwa uyezve zvine chekuita nezvikwereti zvemari zvakanyoreswa pamari yakatarwa, kunyangwe izvi zvinogara zvine chinzvimbo chimwe chete gore rega. Chero chii chinoitika mumisika yemari kubva zvino zvichienda mberi.
Euribor, sei kubhadhara mogeji?
Chimwe chezvinhu zvakakosha zveEuribor muzvikwereti ndezvekuti zvinokanganisa sei mari yaunofanira kutarisana nayo kuti uwane iyo imba yawaifarira zvakanyanya. Huye, iwo mabhanga shandisa kupararira pamusoro peiyi index index. Uye izvo mune yazvino mamiriro ezvinhu epasi rose ari echokwadi akanaka kwazvo kune zvaunofarira semushandisi webhangi. Mupfungwa iyi, haufanire kukanganwa kuti panguva ino zvinonyanya kunakira iwe pachako zvido zvako kuve nechikwereti chemogeji chakabatana neichi chiratidzo. Nekuti izvozvi iwe uchabhadhara mari shoma pane makore mashoma apfuura.
Kune rimwe divi, chikamu chakanaka chemogeji dzinotengeswa nemabhangi dziri pasi peichi mamiriro mukondirakiti yavo. Saka hazviwanzo kuti iwe uwane mamwe mabhenji asiri iwo maEuribor. Kusvika pakuti hazvimiriri zvinopfuura 8% zvezvibvumirano zvitsva uye muzviitiko zvakawanda pasi pemamiriro ezvinhu mukugadzika kwayo izvo zvakanyanya kukuomera iwe. Pakati pezvimwe zvikonzero nekuti unenge usina imwe sarudzo kunze kwekutora yakakwira mari kubva pakutanga. Kunze kwekumwe kufunga kwehunyanzvi kune chekuita nemamiriro echinhu chakakosha chebhengi chigadzirwa.
Euribor pane zvakaitika kare
Chero zvazvingaitika, pane chinhu chimwe chete chaunofanirwa kuve uchijekesa kubva zvino zvichienda uye iyo iri index inofamba nemazuva ayo akanakisa. Ndizvozvo, ndizvo panguva dzese-nguva kana chii chakafanana padanho repasi pasi mumakore achangopfuura. Kusvika padanho rekuti shanduko yaro yakatungamira kuti izviise pachayo pane isina kunaka kekutanga munhoroondo yayo. Nekuti zvirizvo, iyo yekumatanho yeEuropean, iyo Euribor, parizvino iri pa -0,18, mushure megore ra2015, semuenzaniso, yaive munzvimbo dzakanaka, pa0,267. Nemusiyano wakakura pakati pemakore matatu aya uye izvo zvakatungamira kumagumo kuti iwe ubhadhare mari shoma yekubvumirana kweako mogeji
Ehezve, ichi chiitiko chakanyanya kubatsira kuti iwe utore chikwereti kubva ikozvino. Hazvishamise kuti kupararira kunoitwa nemabhangi mazhinji kwakadzikiswa kusvika pamatanho asingafungidzirwe kusvika makore mashoma apfuura. Izvi mukuita zvinoreva kuti iwe unogona kuona kupararira nhasi. kunyangwe pazasi pe1%. Asi hausi iwo wega mukana waunowana kubva kunyorera kune chimwe chezvinhu izvi zvemabhangi. Sezvo chikamu chakanaka chezvikwereti zvemamogeji zvakasungirwa kutengeswa zvinoitwa pasina makomisheni kana zvimwe zvinoshandiswa mukutarisira kwavo kana kugadzirisa. Semhedzisiro yekushanduka kweiyi index index mukondinendi yakare.
Mamiriro ezvinhu asingagare nekusingaperi
Pane kupokana, iwe unofanirwa kuziva kuti kunyangwe iri nguva yakanaka kwazvo yekuzvitenga pachako, iyi mamiriro haizove kure nekusingaperi. Kana zvisiri, pane kudaro, iwe unogona kutendeuka chero nguva uye ichatanga kukwira uye neayo yako yemwedzi kubhadhara iwe uchakwira. Chaizvoizvo panguva iyo iyo European Central Bank (ECB) inosarudza kukwidza chimbadzo. Chiito icho, kune rumwe rutivi, anoronga kuita pamusoro pegore rinotevera, kunyangwe isiri yechisimba, asi zvishoma nezvishoma. Izvi zvinoreva kuti iyo Euribor ichatanga kukwira uye ichachinja mari iwe yaunofanira kusangana nayo yekupa iyo mogeji yechikwereti yekutenga kweiya imba yawakagara uchifarira.
Uyu ndiwo musiyano wakakura kwazvo kubva pane yakatarwa reti mogeji. Ndekupi nguva dzose iwe uchabhadhara mari imwe chete yemwedzi, chero chii chinoitika mumisika yemari. Nerunyararo rwepfungwa kuti iwe unozogona kuronga yako wega kana yemhuri bhajeti zvirinani kwazvo mumakore anouya. Kunyangwe paine mukana wekuti zvichanyatso kuvandudza mutengo wehupenyu, zvinoenderana nezvose zvinogona kuitika kwauri mumakore mashoma anotevera. Semuenzaniso, kana ukashaya basa, muhoro wako unodzikisirwa pabasa rako kana kuti ndiwe wakabatwa netsaona seunoshanda wega. Ndepano panowana mabhenefiti akakurisa anowanikwa nezvikwereti zvinotorwa kune yakatarwa chiyero pamusoro pezvakasiyana.
Zvakanakira kusiyanisa mogeji
Chero zvazvingaitika, hauzove nesarudzo kunze kwekuyera mabhenefiti ese aunogona kuitirwa iwe neyakaenzana reti mogeji, nekuda kwehukama hwayo hwakakosha neiyo yekuyera index yeEurope Zvakanaka, mukati meichi chiitiko, mipiro yakasiyana uye yakasiyanasiyana, sezvamuchaona kubva zvino zvichienda mberi. Chekutanga pane zvese, usakanganwa kuti shanduko mumutengo wemari inogona kumiririra a mari yepasi mune yakaderera kufarira mamiriro ezvehupfumi. Kubva pane ino maonero, iko kushanda kwakanaka kune zvaunofarira semushandisi zvauri chaizvo.
Kune rimwe divi, zvinokwanisika kuti iwe uri muchinzvimbo chekuwedzera kudzoserwa kwechikwereti anosvika pamakumi matatu nemashanu kana makumi mana emakore seyakareba nguva. Chimwe chinhu icho pakupedzisira chichava chakanakira sekureba sekushanduka kweEuribor kwanga kwakafanana nezvakaratidza kusvika zvino. Nekudaro, uine chokwadi chese kuti mukana uyu uri nenzira iyi. Kure nazvo nekuti haufanire kukanganwa kuti iyi yakakosha indekisi yakanyorwa zuva rega rega mumisika yemari. Uye saka mutengo waro haugare wakafanana. Mune zvimwe zviitiko zvekuita zvirinani, asi kune vamwe zvine mhedzisiro yakajeka. Kusvika pakuti icho chinhu chaunofanirwa kutarisira kana uchikumbira sosi yemari yekutenga furati kana furati.
Ivo anowanzo kuve anodhura mamogeji
Chimwe chinhu chinofanirwa kuve chinhu chewako chaicho chinotariswa ndiyo inonongedzwa kumatanho azvino mune iyo Euribor iri, iyo inowirirana mwero regeji vanozova nezvakaderera zvido zvine chekuita neavo vehunhu hwakagadziriswa. Kusvika padanho rekuti iwe unogona kusevha mari yakawanda kuburikidza neyako yemwedzi kubhadhara uye mune chero nzira kupfuura zvaunogona kufungidzira kubva panguva ino zvichienda mberi. Kune rimwe divi, zvinokanganiswawo nenyaya yekuti zvikwereti zvinoenderana nekusiyana kweEuribor hazvina komisheni yenjodzi yemutero. Chimwe chinhu icho, kune rumwe rutivi, chinowanzoitika kwatiri mune yakatarwa-reti mogeji zvikwereti.
Kana ichi sosi yemari yakajairika mukuda kwevashandisi ichizivikanwa nechimwe chinhu, imhaka yekuti inonyanya kutengeswa nemabhangi. Ehe, hauzove nedambudziko diki rekutsvaga chigadzirwa chine hunhu. Kunyange kubva pamhando dzakasiyana, zvimwe zvacho zvine hunyanzvi zvakanyanya nekuda kwekunaka kukuru kunoitwa nemusika uyu panguva ino.
Kusvika padanho rekuti iwe unogona kuisanganisa pamwe neyakagadziriswa kufarira mogeji mavanogadzirwa seapakati kana akavhenganiswa mamodheru. Zvichienderana neprofile iwe yaunopa sebhengi mutengi, zvinova, shure kwezvose, chii chinobatanidzwa mukuda kwemhando idzi dzezvigadzirwa zvebhangi. Kunyangwe zvese zvichizoenderana nekuti mutengo wemari unoshanduka sei kubva ikozvino. Iko kwese kwese kunoratidzika kunge kuri pasi peyekumusoro maitiro uye izvo zvinogona kukanganisa zvirongwa iwe zvaunofanirwa kutarisa pachikwereti chemogeji.