Chimwe chinhu chiri kushanduka mune yenyika mogeji nzvimbo mumwedzi ichangopfuura, iyo inotongwa nekupinda musimba kwemutemo mutsva wekutengesa uye kudzikira kwehupfumi. Munzvimbo ino yakajairika, zvakajairika kuti vashandisi vazhinji vebhengi vanetseke kana zvakakodzera kukwereta kutora chikwereti ikozvino. Kuti utenge imba inogona kushanda se mari yekudyara kupihwa kusahadzika kwakasimudzwa nemisika yemari yakatarwa uye inoshanduka mugore rino yatichangotanga.
Nekuti mukufarira kwayo ine kuti mutengo wemari unoenderera pane dzakare nzvimbo pane iyo kuva pa 0% munzvimbo yeeuro. Ndokureva, pasina kukosha uye saka zvinofarira kuti zvido zvezvikwereti izvozvi zvave kukwikwidza kupfuura makore mashoma apfuura. Iko kwaunogona kusevha euros mashoma pamwedzi mukushanda kwakasaina nesangano rezvemari. Kubva pane ino maonero kana iri bhengi kufamba kuri kubatsira uye zvinogona kutaurwa kuti zvakakosha kukwereta kunyorera chikwereti chemogeji.
Chero zvazvingaitika, shanduko mukubata kontrakiti iri kucherechedzwa sezvo paine muitiro wekutora zvikwereti yakabatana nemari yakatarwa pamusoro pemari yakatarwa. Izvi imhaka yekuti kune kukahadzika kwakawanda pamusoro pezvingaitika kubva ikozvino. Mukutenda kuti zviyero zvemubereko zvinogona kukwira mumakore anouya uye kuti zviri mushure mezvose zvinokurudzira kuchinjisa uku mukuda kwembageji yekutenga furati. Hazvifungidzirwe kuti mamiriro ezvinhu acharamba achienderera semumakore akasununguka ekuita kondirakiti yezvikwereti izvi.
Mamogeji: Euribor inoramba iri padiki
Imwe yeanowanikwa mareferensi ekuita sarudzo iyi inogara mune izvo izvo zvingaitwe nereferensi yeEuropean index pakubvumirana kwezvikwereti. Uye mune ino pfungwa, iyo data inotsigirwa neNational Institute of Statistics haipe kusahadzika kune vanonyorera ichi chigadzirwa chemari: iyo Euribor ndiyo mwero kune iyo yakakwira kwazvo muzana yeanosiyana rate regeji inoreva. Asi kunyangwe zvese a kuneta zvishoma mukushanduka kwayo kunyanya zvine chekuita nemakore apfuura. Iko kunogona kutaurwa kuti yakagadzirisa pamusika wekutengesa dzimba nekujekesa kwese.
Mune ino mamiriro akajairika, zvinofanirwa kucherechedzwa kuti iyi indekisi yekutenga zvikwereti zvekutenga zvivakwa zvakanaka ichaenderera kune rimwe gore mu nzvimbo isina kunaka. Kunyangwe chimwe chinhu chakasiyana zvakanyanya chiri chinogona kuitika mumakore akati wandei uye ndizvo zviri kukonzeresa-reti mogeji kuti udzokere kune kufarira kwechikamu chikuru chevashandisi vebhangi. Izvo zvinofanirwa kusimbiswa kuti mafungiro enyanzvi anofungidzira kuti hakuzove nekuchinja kukuru mukuchinja kwemutemo weECB. Saka kuti nenzira iyi, bhenji rakakosha rezvikwereti haridzokeri kumusoro zero
Panguva dzese-dzakaderera
Izvo hazvigone kukanganwika kuti pakati pegore iyo Euribor yakadzikira kune yayo-yenguva-nguva yakaderera uye gare gare, mumwedzi ichangopfuura, inotangazve nzira yayo yekumusoro, kunyangwe mune yakanyatsowanikwa nzira. Kupedzisa kuvhara gore rino izvo zvaenda -0,263. Nematanho aya kana kusaina kweichi chiitiko kuchigona kuitwa kunobatsira nekuti tinenge tichichengetedza mari yakawanda mumubhadharo wemwedzi wega wechikwereti chakadai. Kusvika padanho rekutaura kuti zvakakosha kukwereta kunyorera chikwereti chemba izvozvi. Asi chete munguva dzino, chimwe chinhu chakasiyana ndizvo zvinogona kuitika mumakore mashoma anotevera.
Nezve mafungidziro ayo, inofanirwa kutaurwa kuti iyo Euribor muna 2020 ichave yakatenderedza -0,22 uye, muna 2021, izvo zvinozotungamira kumubhadharo wakaderera wemitero inokweretwa yemitero inoongororwa muhafu yekutanga yegore. Ichi chingave chimwe chimiro chakanak kuita sarudzo iyi mumazuva ekutanga egore uye chingave chivimbiso cherudzi urwu rwechikwereti kutora nzvimbo nekudyara muzvidhinha kwemakore mashoma anotevera. Nemuitiro uyo panguva ino usati waita shanduko dzakakosha uye izvo zvinokonzeresa akateedzana matanho anofanirwa kutorwa kana uchiita chikwereti chemogeji.
Chiyero chekufarira pazvikwereti
Iko kupihwa kwekuti zvikwereti zvikwereti zvave kugadziridzwa zvinopa zvakachipa mogeji, zvine musiyano pakati pe1% ne2%. Asi chinhu chinonyanya kubatsira kune vanonyorera chigadzirwa ichi ndechekuti inoshambadzirwa isina makomisheni kana zvimwe zvinoshandiswa mukutungamira nekuchengetedza kwayo. Mune mamwe mazwi, iwo anodhura munguva pfupi uye idzi inhau dzakanaka kwazvo kune vanonyorera. Chero zvazvingava, zvatove zvakaoma kuwana chikwereti pakutenga imba ine musiyano uri pazasi pe1%, sezvazvaive makore maviri kana matatu apfuura.
Chimwe chezvinhu zvakanyanya kusarudzika zvakagadzirwa nemusika wekutengesa dzimba wanga uchidzikira mumwedzi ichangopfuura nekuda kwezviratidzo zvisina kunaka zvehupfumi hwenyika. Iko kuri kunoonekwa kuti maitiro aya achawedzerwa mumwedzi iri kuuya uye kunyanya kubva mugore ra2021. Iko shanduko yemafunguro inotarisirwa mumutemo wezvemari weEuropean Central Bank (ECB), nekuwedzera kwemutengo wemari. Neichi chikonzero. Hazvishamise kuti kukura kweye mogeji yakasimba gore rino iro ratisiya rave riri shoma 0,1%. Mune mamwe mazwi, kutenga mogeji kunogona kubatsira izvozvi uye munguva pfupi, asi kwete mune yepakati nepakareba uye nekuda kwechikonzero kumira mukuda kwayo kunoonekwa mune yazvino pamutemo data.
Nepo kune rimwe divi, isu hatigone kukanganwa kusahadzika kunounzwa nevekudyara mumisika yemari. Nekuti mari yakamisikidzwa haina pundutso panguva ino nemipendero yekumisidzana isingasvike 1%, nepo zvigadzirwa zvemari zvinopa kusahadzika kwakawanda nekuda kwekushomeka kwemisika yemari iyi. Kusvikira pakuve nekutya kuti vangangorasikirwa nechikamu chemari yavo yavakaisa kune izvo zvinogona kuitika nezvinhu izvi zvemari.
Huwandu hwezvikwereti zvinowira 2,1%
Huwandu hwezvikwereti zvakavakirwa mudzimba ndeye 29.691, 2,1% pasi pane muna Gumiguru 2018, maererano neazvino dhata yakapihwa neNational Institute of Statistics (INE). Iko kunoratidzwa kuti avhareji huwandu i129.237 1,1 euros, pamwe nekuwedzera kweXNUMX%. Iyo avhareji huwandu yemari dzechikwereti pane huwandu hwezvivakwa zvakanyoreswa mumazita ezvivakwa muna Gumiguru (kubva kuruzhinji rwemabasa akaitwa kare) ndeye 147.338 euros, 4,2% yakakwira kupfuura iwo iwo mwedzi muna 2018. Kune rimwe divi, kukosha kweMortgages kunoitwa mumaguta zvivakwa. yakasvika 5.671,1 mamirioni euros, 0,9% yakaderera pane munaGumiguru 2018. Mune dzimba, capital yakweretwa yakamira pamamirioni 3.837,2, pamwe nekuderera kwegore ne1,1%.
Iyo data yakapihwa neNational Institute of Statistics (INE) inosimbisawo kuti kune mamogeji akagadzirwa pazvivakwa zvese muna Gumiguru, avhareji yemari yemubereko pakutanga ndeye 2,42% (6,0% yakaderera pane muna Gumiguru 2018) uye avhareji temu yemakore makumi maviri nematatu. . 23% yezvikwereti zvemari zviri pamutengo wakasiyana uye 57,1% pamutengo wakatarwa. Iko iko pakati nepakati chimbadzo chekutanga pakutanga chiri 42,9% yeanosiyana mareti mamogeji (2,09% yakaderera pane muna Gumiguru 11,2) uye 2018% yeakagadziriswa mahara regeji (3,02% pasi). Zvemumba mamogeji, avhareji yemari yekufarira ndeye 1,4% (2,50% yakaderera pane muna Gumiguru 5,0) uye avhareji temu ndeye 2018 makore
Chido chakasiyana chinoderera kusvika ku79,2%
54,7% yembageji yemba iri pamwero wakasiyana uye 45,3% pachiyero chakatarwa. Ivhareji yemari yemubhadharo pakutanga ndeye 2,17% yeimba mamogeji chiyero chinoshanduka (ine kuderera kwe10,2%) uye 3,02% yeiyo yakatarwa chiyero (0,1% yakakwira). Nepo pakupedzisira, iyo INE data inoratidza kuti yeiyo 4.584 mogeji dzine shanduko mune yavo mamiriro, 35,0% inokonzerwa neshanduko muzvibereko zvemitero. Mushure mekushandurwa kwemamiriro ezvinhu, iyo chikamu cheyakagadziriswa mhindu yemitero yakawedzera kubva pa13,0% kusvika pa19,7%, nepo iyo yemari inokwereta yemari inodzikira kubva pa86,3% kusvika pa79,2%. IEuribor ndiyo chiyero icho chikamu chepamusoro chehuwandu hwehuwandu hwehuwandu hwezvikwereti hunoreva, zvese kusati kwachinja (77,1%) uye mushure (76,2%).
Iko kupihwa kuti zvikwereti zvikwereti zvave kugadzira zvinopa mari isingadhuri, aine mutsauko pakati pe1% uye 2%. Asi chinhu chinonyanya kubatsira kune vanonyorera chigadzirwa ichi ndechekuti inoshambadzirwa isina makomisheni kana zvimwe zvinoshandiswa mukutungamira nekuchengetedza kwayo. Mune mamwe mazwi, iwo anodhura munguva pfupi uye idzi inhau dzakanaka kwazvo kune vanonyorera.