Zvibereko zvemitengo zvinogadzira mutemo wezvemari wenyika kana nzvimbo dzenzvimbo. Kusvika pakuti ine zvakanangana chaizvo nehupenyu hwevagari. Hazvishamisi kuti ivo vane hukama hwepedyo neiyo mutengo wemari. Parizvino, zviyero zvemubhadharo zvine kusaenzana kusinganzwisisike kune ese mativi eAtlantic. Mune mamwe mazwi, ivo vatora nzira dzakasiyana muUnited States uye European Union, maviri enzvimbo dzinomiririra hupfumi pasi rese. Uye izvo neimwe nzira, ivo vari kugadzirisa mamiriro ekushanduka kwemisika yemari kutenderera pasirese.
Chaizvoizvo mitero yemubereko ndiyo inosarudza mutengo wemari, mune imwe pfungwa kana imwe, sekuzoona kwaungaita muchinyorwa chino. Chero zvazvingaitika, zvakare zviri nyore kuti iwe utarise kuti iwo akagadziriswa maererano neiyo inflation rate. Iko kudhura kwehupenyu kunotorwa kuti uone kana zviri nyore kuvakwidza. Zviri nezve data rehupfumi yakakosha kwazvo iyo ine akawanda akatorwa munzvimbo dzakasiyana dzehupfumi. Uye izvo zvakawana kukosha kwakasarudzika mushure medambudziko rehupfumi rakaitika muna 2008.
Kuti iwe uvanzwisise zvirinani, unofanirwa kuziva kuti chimbadzo kana chimbadzo ndiwo mutengo wemari, ndiko kuti, ndiwo mutengo wekubhadhara pakushandisa huwandu hwemari kune imwe nguva. Izvo zvakakosha kuti uite chero hupfumi hwekutengeserana. Semuenzaniso, panguva ye kurayira chikwereti chako pachako kana mogeji. Asi zvakare kuona iko kubatsirwa kwekuchengetedza kana zvigadzirwa zvekudyara. Sezvo zvinoenderana neshanduko yavo, ivo vanozokwira kumusoro kana pasi mune imwe kana imwe kusimba. Kunyangwe zviine zero zero kuita, sezviri kuitika panguva ino.
Mari yekufarira: dzakasiyana nzira
Chero zvazvingaitika, muenzaniso wakanakisa wekutsanangura kuti zvimbadzo ndezvipi kuenda kune zviri kuitwa nevane masimba emari munyika. Mupfungwa iyi, European Central Bank (ECB) yakafunga dzikisa mutengo wemari senzira yekugadzirisa matambudziko kubva kunhamo yezvehupfumi. Ndokunge, kukosha kwemari munzvimbo ino yehupfumi parizvino 0%. Izvi zvinoreva kuti mabhanga anoshandisa chimbadzo chidiki kune zvikwereti zvinodaidzwa. Sezvo kune rumwe rutivi. Zvinoitika panguva ino pavanenge vadzika kusvika pa7%.
Imwe mhedzisiro yechirongwa chezvemari muEU ndechekuti purofiti yemabhengi uye zvigadzirwa zvinogadziriswa zvinowira zvakanyanya. Kusvika kune iyo nguva yekuisa mari, manotsi ebhengi ekuzivisa kana maakaundi anobhadhara zvakanyanya haasisipo vanotadza kukupa iwe kufarira kwe0,5%. Zvese izvi semhedzisiro yemutengo unodhura wemari munzvimbo ino yehupfumi. Sezvaungave iwe wakamboona, mhedzisiro yacho yakatosiyana zvichienderana nezvinodiwa iwe zvaunoda kubva kune yako yemari institution. Asi chero zvakadaro, zvinokanganisa hukama hwako nenyika yemari.
Kufambira mberi kusimuka muUnited States
Chimwe chiitiko chakasiyana kwazvo ndicho chinoitika kune rimwe divi reAtlantic. Iko mitengo yezvibereko iri kuzokwira zvishoma nezvishoma mukati megore rino. Kunyangwe iri munzira inononoka kudzamara iri mune renji inosvetuka pakati pe1,50% ne2%. Icho chisarudzo chichaitwa kubva kuna Federal Reserve yeUnited States (FED). Izvi mukuita zvinoreva chimwe chinhu chakareruka sekuti purofiti yawakaita nemari yako yekuchengetedza ichave inogutsa kupfuura kusvika zvino. Nepo pane zvinopesana, zvinoda iwe kubhadhara iwe kuti uzviwanire mari kubva ikozvino. Iyi ndiyo mamiriro akagadzirwa kubva pasimba rehupfumi hweUnited States.
Sezvaungave iwe waona, pane zviitiko zviviri izvo ratidza zvakakosha zvakasiyana. Uye kuti mune vamwe vanogona kukubatsira iwe mune vamwe mhedzisiro yacho ichave yakanyatsopesana. Iine poindi inowirirana munzvimbo mbiri dzeupfumi uye ndiko kuti inflation inoita kunge inodzorwa semhedzisiro yekushandiswa kweaya matanho emari. Nekuti dai yanga isina kudaro, ingadai isina kukura nenzira iyi. Chero zvazvingaitika, kubva ikozvino zvichienda unenge uine zvishoma kujekesa pane chiitiko chemitero muzvikamu zveupfumi chete. Iwe unoda kuongorora zvimwe zvinongedzo zvekukosha kwakakosha?
Zvichienderana nerubatsiro uye kudiwa
Chimwe chiitiko chekutarisa mukutsanangura kukosha kwezvibereko pamitengo yakavakirwa pamutemo wakasimba wekupa uye kudiwa, iyo inogara ichidzorwa nemisika yemari. Semhedzisiro yezviito izvi, yakaderera iyi rate yemari, iyo yakanyanya kudiwa kwemari zviwanikwa uye, nekusiyana, iyo yakakwira, iko kuderera kwekudiwa kweizvi zviwanikwa zvemari. Chichava chinhu chakakosha kukwidza kana kudzikisa mutengo wemari kuburikidza nechero mutsara wechikwereti.
Izvi zvinoreva kuti iwe unogona kuwana yakawanda inokwikwidza chimbadzo kana kwete pachikwereti chauri kuzomhan'ara kubhangi rako. Uye kune rimwe divi, kuti yako mari inogona kubhadharwa zvirinani kupfuura kare uye iwe uve nemari hombe muhomwe yako yekuchengetedza. Sezvaungave iwe wakamboona, iyo huwandu hwechikwereti haisi chete yakakosha macroeconomic kusiana, asi zvakare ichashanda kune hukama hwaunochengetedza pamwe neako rezvemari institution. Kuburikidza nezvinenge zvese zvigadzirwa zvebhengi (nguva yekuisa mari, mogeji, zvirongwa zvepenjeni, maakaunzi ekuchengetedza, nezvimwewo). Nechiitiko chakajeka kwazvo mune zvako zvemari zvemari chero nguva.
Hapana misiyano muEuropean Union
Dare Rinodzora reEuropean Central Bank (ECB), rinofungidzira zvegore rino kuongororwa kweye inflation uye kukura kwekufungidzira kwe2018 ne2019, mukufungidzira kwekutanga pagore rapfuura uye chii chinomiririra kuti hapazove nenhau mumutemo wezvemari mu ino yakakosha yakajairika hupfumi nzvimbo. Mupfungwa iyi, kubva kune inoburitsa muviri wekondinendi yakare mwero unochengetwa pa0% nechinangwa chikuru chekuvimbisa kuti mamiriro emari akanaka.
Imwe yemitemo ine hukasha yemari ndeye iri kuvandudzwa muJapan kuyedza kusimudzira hupfumi hwayo. Saka kuti nenzira iyi, inodzokera munzira yekukura iyo yaakasiya makore mazhinji apfuura uye izvo zvave kuitisa kuti itore mamiriro akasarudzika ehupfumi mumakumi emakore apfuura. Zvakanaka, mune ino kesi, iyo Bank yeJapan yakafunga kubva muna 2016 kuti icheke mari yechikwereti, iyo yakaiisa munzvimbo isina kunaka.
Maitiro ekutora mukana wekufarira mumusika wemasheya?
Ehezve, zviyero zvemubereko zvinogona kukubatsira iwe kuti kuita kwako kubatsire mumisika yemari. Kubva pamazano akasiyana aunogona kushandisa kubva panguva dzino chaidzo. Imwe yeanonyanya kushanda ndeyekuvhura nzvimbo panguva iyo kukosha kwemutengo wemari kwakatemwa. Kazhinji misika yezvemari vanoita nemufaro mukuru kune aya marudzi ezviyero. Nekwakakosha kukosheswa mune ayo makuru masheya indices kweinopfuura nguva yakareba yenguva. Nechiitiko chakajeka chekusimudzira chausingakwanise kupotsa.
Imwe yeaya masisitimu aunogona kushandisa zvinoenderana nekusiya bhegi mukufamba kwakapesana. Ndokunge, kana paine kuwedzerwa mumitengo yehunyanzvi hwakasimba. Nemhinduro yakaipa kwazvo kubva kumisika yemari. Kusvika padanho rekuti ivo vanogona kuita kuti iwe urasikirwe nemari mune ipfupi nzvimbo nzvimbo yenguva. Kune rimwe divi, iwe haugone kukanganwa kuti mafambiro aya match downtrends yezvikwereti. Naizvozvo, ivo havasi shamwari dzakanaka dzekufambisa kuti kuchengetedza kunobatsira. Iwe hauzove neimwe sarudzo kunze kwekutsvaga dzimwe nzira dzekudyara.
Kushanda mune zvigadzirwa zvebhengi
Kune rimwe divi, zviri nyore kuti iwe uzive maitirwo azvo panguva yehupenyu yetambo yechikwereti, chero zvayakaita. Mune ino mamiriro chaiwo, chimbadzo chinoramba chiripo mukati menguva kana hupenyu hwechikwereti. Izvo zvakasununguka kubva pane yazvino misika yemari yemari. Kunyangwe kana panguva iyoyo iwe uchizomushandira nekuti zvinoenderana nemamiriro ake mumisika. Nenzira iyi, iwe unogona kutora mukana wekudzikira kwayo kana, nekusiyana, nekuwedzera kwayo mumutengo. Chero zvazvingaitika, inoverengerwa zvichibva pavhareji yemitero yemitero yemwedzi yapfuura. Kazhinji yako nguva yekubhadhara inotangira pamwedzi mishoma kusvika pamakore matatu kana mana. Kunyangwe mune mamwe maitiro nguva dzacho dzinogona kuwedzerwa zvakanyanya.
Ichave iyo mari iyo yauchazobhadhara kune iyo yezvemari institution nekukusiya iwe iwe kana wakakwereta mari. Nenzira iyi, kuti uipedzise, unenge usina imwe sarudzo kunze kwekubhadhara kudzoka kwako, iyo inowirirana kufarira uye makomisheni uye zvimwe zvinoshandiswa muhutungamiriri, kana paine. Kazhinji kuburikidza neyakajairika sisitimu yemwedzi mishoma. Kunyangwe zvichizoenderana nekuti iwe unokwanisa kugadzira amortization yekutanga. Mupfungwa iyi, mutsauko wemazana ezana muzana ezvinoreva zvinogona kureva kuponesa kwakakosha mukushandisa kwechigadzirwa ichi chebhangi.