Dambudziko rakakonzera kuderera muzvikamu zvakawanda, asi kwete kuisa mari muzvitoro zvedzimba. Vatengi vakabuda kubva muhusungwa muna 2020 kuseta marekodhi ekuchengetedza uyezve nguva yekufonera yakatanga. Mari dzemubereko dzemortgage pamazinga anoyedza yakabatsira kukonzeresa kupenga kwekudyara kufarira mumasheya ezvivakwa. Asi zvinhu zvose zvakanaka zvinopera. Kukwira kwemitengo yemumba uye kukwira kwemitengo kutsvuku kwaita kuti dzimba nezvikwereti zvisadhure. Izvi zvinowedzera njodzi yekudonha kwemusika wepasi rose wezvivakwa, kunyanya mune dzimwe nyika, uye zvinotyisidzira kuwedzera kuderera kwehupfumi hwenyika ...
Chii chiri kuitika nemusika wedzimba?🙊
Kudiwa kwedzimba kuri kudzikira sezvo mubereko wembanje uchikwira, zvichiita kuti dzimba dzisadhure uye kutyaira vangangotenga kubva kumusika. Pane zvikonzero zviviri zvikuru nei zvikwereti zvave kuderera zvakanyanya gore rino. Kukwira kwemitengo kwakakwira kwakonzera kudzikira kwakanyanya mumihoro chaiyo yevagari vemo. Zvakare, mabhanga epakati pasi rose ari kukwidza mitengo yemitengo nekukurumidza mumakumi emakore. Izvi zvakawedzera mubereko wemortgage, zvichiita kuti zvikwereti zvekutenga imba zvidhure.
Inflation yawedzera zvakapetwa kaviri kudarika mihoro kubvira 2020. Source: BBC.
Aya matambudziko haangobatanidzi vangangove vatengi vemba, asiwo varidzi vemba vemazuva ano. Kunyanya avo vane zvikwereti zvemba zvisina kuchengetedzwa kwenguva refu nemitengo yakaderera zvakanyanya. Mamirioni avanhu akatora zvikwereti zvakachipa kuti vatenge dzimba nemitengo yerekodhi panguva yedenda. Ikozvino, vazhinji vavo vachatarisana nekubhadhara kwakakwira pamwedzi kana zvikwereti zvavo zvadzoserwa kuratidza mibairo yepamusoro. Kuita kuti zvinhu zvitonyanya kuipa, iyi mibhadharo yembavha yakakwirira inouya panguva iyo mihoro chaiyo yevanhu (ndiko kuti, mari yavanowana, yakagadziridzwa nokuda kwokukwira kwemitengo) yaderera. Mumamiriro ezvinhu akaipisisa, vanhu havazokwanisi kubhadhara mari yavo yemwedzi yemwedzi. Mumamiriro ezvinhu akadaro, mabhanga anowanzotora imba yacho uye kuitengesa kuti awane chikwereti. Uye sezvo izvo zvinoisa dzimba zhinji pamusika, kazhinji pamitengo yakaderera kana "kushungurudzika", izvo zvinogona kutungamira kuderera kudzika kwemitengo yemba.
Mari yekukwereta yatanga kukura mumwedzi waNyamavhuvhu. Kunobva: Morningstar.
Ndedzipi nyika dzakanyanya kufumurwa? 🌍
MuUS, vatengi vazhinji vanovimba neyakagadziriswa chiyero chemortgage zvikwereti kwemakore makumi matatu. Variable rate mortgages inomiririrwa, paavhareji, 30% chete yezvikwereti mumakore mashanu apfuura. Kusiyana neizvi, vanotenga dzimba kune dzimwe nyika vanowanzove nezvikwereti zvakagadziriswa kwegore rimwe chete, kana vane zvikwereti zvakasiyana-siyana zvinofamba zvinoenderana nemitengo yezvibereko. Australia, Spain, United Kingdom neCanada vaive nehuwandu hwepamusoro hwekusiyana kwemari yembanje sechikamu chemitemo mitsva muna 7, sekureva. Fitch Ratings.
Variable rate mortgages sechikamu chezvikwereti zvitsva muna 2020. Source: Fitch Ratings.
Mitswe mumusika wepasi rose we equity investment market yatotanga kuoneka. Ivo vanonyanya kusava netariro pamusoro pemamwe misika ine chando, seAustralia neCanada, iyo, sezvatakamboona, yaive neimwe yepamusoro-soro yemhando dzakasiyana-siyana dzemonji sechikamu chemitemo mitsva muna 2020. Nyika mbiri idzi dziri kusangana kuderera kwenhamba mbiri mumutengo weimba. Uye zvakanyanya kushata muAustralia, uko mitengo yemba muna Nyamavhuvhu yakanyora kuderera kwavo kwepamwedzi kungangoita makore makumi mana.
Izvi zvingakanganisa sei hupfumi hwenyika?🥵
Kuparara kwemusika wepasi rose kwedzimba kwaizokanganisa hupfumi hwepasi rose (hwatove padanho rekuderera kwehupfumi) nenzira dzakasiyana:
- Kuderera kwakanyanya kwemitengo yemba kwaizodzikisa zvakanyanya hupfumi uye kukonzeresa kuderera kwekushandisa kwevatengi.
- Kumira kana kudzikira mukuvaka nekutengesa zvivakwa kungakanganisa kukura kwepasirese, sezvo zviitiko izvi zviri kuwanda kwezviitiko zvehupfumi pasi rose.
- Musika uri kudzikira wedzimba waizokanganisa kukweretesa kwebhangi sezvo uchiwedzera njodzi yekutadza kukwereta, zvichidzikamisa kuyerera kwemari iyo hupfumi hunodya kubva. Pamusoro pezvo, kukwira kwemhindu kunowedzera dzvinyiriro kuvagadziri vezvivakwa avo vanokwereta mari yakawanda kuti vawane mari yekushanda kwavo, zvichiita kuti vanokweretesa vawedzere kunetseka pamusoro pekugona kwevagadziri vekubhadhara chikwereti chavo. Zvakare, kana izvi zvikaguma nekutadza kwechikwereti, zvingakanganisa kukweretesa kwebhangi.
- Nekukwidza mari dzembavha kuratidza kukwira kuri kuita mubereko, mihoro yevagari yaizokanganiswa, zvichiwedzera kudzikisira mari inoshandiswa nevatengi.
Pane chero mukana wekudyara mune real estate stocks?🏗️
Sezvo musika wezvivakwa parizvino wakamira, nguva dzakaoma dziri pamberi kuti dzive nezvose zvataurwa pamusoro apa. Tinogona kutengesa pfupi Vanguard Real Estate ETF (VNQ) kuitira kutora mukana wekupokana kwemusika weAmerican real estate kana iyo Vanguard Global ex-US Real Estate ETF (VNQI) nokuda kwemamiriro akafanana muEurope, Asia nePacific. Kana, kune rimwe divi, isu tichida kuisa mari muhupfumi hwakafumurwa zvakanyanya kune izvi zviitiko zvatakambotaura, tinogona kupfupi kutengesa maETF e iShares MSCI kubva kuAustralia (EWA), Canada (EWC), Spain (EWP) kana United Kingdom (EWU).