Ubudlelwane obukhoyo phakathi kwabo imali kwaye i-Euribor ingaphezulu ngokuthe ngqo. Ayothusi into yokuba eyokugqibela sisalathiso ekubhekiswa kuso idibanise uninzi lwemali mboleko mboleko. Kwaye kule minyaka idlulileyo ivumele imigca yokuthenga ngetyala ukuba yenziwe ngokusesikweni phantsi kweemeko ezikhuphisanayo ngokunikezela ngamazinga enzala angcono abonakaliswe ngumahluko ophakanyiswe ngamaziko emali aphethe ukuthengisa le mveliso ifunwa kakhulu phakathi kwabasebenzisi.
Kwimali-mboleko ye-7.129 enotshintsho kwiimeko zabo, i-41,4% ibangelwe lutshintsho kumanqanaba enzala, ngokweedatha zamva nje ezinikezwe liZiko leSizwe leNkcukacha-manani (i-INE). Emva kotshintsho lweemeko, ipesenteji yemali mboleko yenzala esisigxina inyuke ukusuka kwi-12,0% ukuya kwi-17,2%, ngelixa i-mortg eguqukayo yemali-mboleko yehlile ukusuka kuma-87,2% ukuya kuma-81,7%. I-Euribor linqanaba apho ipesenti ephezulu yemali mboleko eguquguqukayo ibhekisa kuzo zombini Phambi kotshintsho (74,5%), Njengasemva (75,5%).
Ngenxa yokuba i-Euribor yinqanaba lokulinganisa laseYurophu lokudibanisa imali mboleko. Kuthathe indawo yabanye abangakhange basebenze kakuhle ekwenzeni lo msebenzi wokuthengiswa kwezindlu. Ngamanye amaxesha kuba ezi benchmark ziphelelwe lixesha kwaye kwezinye ngenxa yokunyamalala kwazo kwangoko. Ngayiphi na imeko, kuya kufuneka ucace gca ukuba i-Euribor iya kukuchaphazela xa usiya thabatha umlinganiselo wobambiso lobambiso. Zange nakanye kwezo ziboshwe kwinqanaba eliqingqiweyo kuba zilawulwa zezinye iiparameter ezahluke ngokupheleleyo.
Inika ntoni i-Euribor?
Ukuqhagamshela imali mboleko yokubolekwa kwemali kule benchmark yaseYurophu kungoku iluncedo kakhulu kwimidla yakho. Kungenxa yokuba ibekwe kwindawo ephantsi yembali nakwindawo engathandekiyo. Ngoku, I-Euribor yile - 0,191%, ngenxa yexabiso eliphantsi lemali yi-European Central Bank (ECB). Kwaye oko kukhokelele kwixabiso lemali elingafanelekanga ngoku ngokupheleleyo. Oko kukuthi, ibekwe kwi-0%. Ke ngoko unomdla wokuyiqesha kuba ungagcina i-euro ezimbalwa xa kuthelekiswa nezinye iibhentshi zesekondari.
Inyani yokuba i-Euribor okwangoku isezantsi kakhulu yenza ukuba imali mboleko ibize ngexabiso eliphantsi ukuba uyirhumela ngoku. Phakathi kwezinye izizathu zokuba uza kuhlawula ezinye ngaphantsi kokufuna izavenge zenyanga de kube yiminyaka embalwa edlulileyo. Akumangalisi ukuba le mveliso yemali iboniswe ingasasazeki kangako. Ukuza kuthi ga kwinqanaba lokuba kwibhanki yangoku unokufumana ukusasazeka ngezantsi kwe-1%.
Ubambiso olutsha nolungabizi kakhulu
Njengoko imali mboleko emitsha ikwiimbali ezisezantsi, kuya kuba mnandi ngakumbi ukwenza ngokusemthethweni ngokusesikweni ngalo mzuzu. Ayothusi into yokuba inokukugcina phakathi kwepesenti enye okanye ezimbini zamanqaku ngaphezulu kweekhredithi zeminyaka edlulileyo. Kodwa kukwakho nezinye iziphumo ebezingalindelekanga onokuzuza kuzo. Enye yazo yi uxolelo kwikhomishini kunye nezinye iindleko ekulawulweni nasekugcinweni kwayo. Ngenxa yesiphumo esingaphezulu kokuqinisekileyo kokuvela kwesalathiso somgangatho waseYurophu. Oku kunokukhokelela ekubeni ube nokunciphisa umrhumo wenyanga ngaphezulu kwekhulu le-euro.
Kwelinye icala, ikwathetha ukuphucuka kweemeko zokuqesha kwaye oko kubonakaliswa kukuba kuya kufuneka uzihlawule imali encinci ngonyaka. Nangona kunjalo, le meko ayizukuhlala ngonaphakade nangawuphi na umzuzu inzala kummandla we-euro. Ngale nto, oku kubonakala kwangaphambili kuya kugqithiselwa kwi-Euribor. Oko kukuthi, ayizukuphinda ibekhona njengepesenti eluncedo kakhulu kwimidla yakho. Ngokuchaseneyo nemali ebekiweyo yemali mboleko engazukuchaphazeleka yile meko. Kuba ngale modeli yezemali uyakuhlala uhlawula ngokufanayo inyanga nenyanga. Nokuba kwenzeka ntoni kwiimarike zezemali. Ke ngoko, iya kukunika uxolo lwengqondo ngakumbi kuba uya kwazi ngawo onke amaxesha into ekufuneka uyihlawule xa ungena kwimvumelwano yale mveliso yezemali.
Inxulunyaniswe kuphela nezinga eliguqukayo
Enye into engenakuqapheleka kukuba ibhentshi yaseYurophu, i-Euribor, inxulunyaniswa kuphela nemali ebolekiweyo. Kuba baxhomekeke kwiindidi ukumisela iimarike zezemali kolu didi lwemisebenzi yokuthengiswa kwezindlu. Kungenxa yokuba sisalathiso esidalwe kummandla we-euro ukudibanisa iikhrayitheriya kwimfuno yemali mboleko yezindlu. Apho uya kuhlawula ngokusekwe kwi-indices ye-benchmark. Ayisoze iphinde ifane, kodwa iya kutshintsha ngokuhamba kweminyaka. Yintoni eyenzekayo kukuba ngoku kunenzuzo kakhulu ukudibanisa le mveliso yokufumana imali kwi-Euribor.
Ukusuka kule meko ngokubanzi, awungekhe ulibale ukuba iibhanki zisebenzisa ipesenti yexabiso le-Euribor kuwe. Oku kubizwa ngokuba ngumahluko, oko kukuthi, imali mboleko yokubolekwa kwemali iya kukuhlawula malini. Okwangoku, le mida ingena ngaphakathi ibhendi ephuma kwi-1% ukuya kwi-3%. Ke ngoko, awufanele uhlawule ngokukodwa ukuba umlinganiso waseYurophu uqhuba njani. Ukuba akunjalo, ngokuchaseneyo, umahluko obonelelwa liziko lemali. Ekupheleni kosuku, kulapho intlawulo oya kuthi uyihlawule inyanga nenyanga iya kuphuma.
Imvelaphi ye-Euribor
Esi salathiso apho uninzi lwemali mboleko yokubolekwa kwemali inxulunyaniswa sisichazi seNqanaba le-Euro Interbank. Oko kukuthi, kwaye ukuze uyiqonde ngcono, luhlobo lwaseYurophu lwenkxaso yebhanki. Ngayiphi na imeko, kubaluleke kakhulu ukuba amaxabiso alindelekileyo kumgaqo-nkqubo wezemali we-European Central Bank (ECB) awukaguqulelwa, njengoko kunokulindelwa, ulindelo oluqikelelweyo lwale index. Oku kuthetha ukuba ngekhe kumangalise kakhulu ukuba kwiinyanga ezizayo kunokuba nesaphulelo kwixabiso laso. Njengakwezinye iiasethi zemali.
Ngomnye umthambo, i-Euribor inokuba nayo ixesha elifutshane, eliphakathi nelide ke ipapashwa ngamaxesha ahlukeneyo: unyaka, iinyanga ezili-9, iinyanga ezi-6, iinyanga ezi-3, inyanga e-1, iiveki ezi-3, iiveki ezi-2, iveki e-1, yonke imihla. Okongezelelekileyo kubalulekile kuphononongo lwemali mboleko yebhanki kunye nemali mboleko yempahla ebambekayo. Kuba uya kuhlawula ngaphezulu okanye ngaphantsi kwintlawulo yakho yenyanga ngokuxhomekeke kwindaleko yeenyanga ezidlulileyo. Esi sesinye sezizathu zokuba kutheni lo mthombo wesalathiso ungabizi kakhulu ngalo mzuzu. Ukuza kuthi ga kwinqanaba lokwamkela kakhulu iimfuno zabathengi.
I-Euribor Plus: yintoni le nto?
Ngayiphi na imeko, kukho okwahlukileyo kwesi sikhombisi esiza kwenziwa kummandla we-euro kwiinyanga ezizayo. Sithetha ngokubizwa ngokuba yi-Euribor Plus. Iqukethe ntoni? Ewe, kwinto elula njengaleyo iya kubonelela ngenqanaba elikhulu lokucaca ekusebenzeni kwezi mpawu. Ngesizathu sokuba uya kuqonda ngaphandle kobunzima obuninzi kuba lo mthombo mtsha wesalathiso kwiimali mboleko ziya kusekelwa malunga nemisebenzi eyenziweyo, hayi kuqikelelo, njengoko kwenzekayo ngoku nge-Euribor. Nangona kunjalo, awukabikho umhla oqinisekileyo wokuhlala kwindawo eqhelekileyo yaseYurophu. Ngesakhiwo esifana nale.
Ngayiphi na imeko, ukuba injongo yakho kukujonga amanye amathuba ngexesha lokwenziwa ngokusemthethweni kolu hlobo lwekhredithi, ungathandabuzi ukuba unokhetho oluninzi lokudibanisa lo msebenzi kunye namanye amanqaku. Kufuneka uyazi loo nto Zonke zisemthethweni kwaye zipapashwe yiBhanki yaseSpain, ukubanakho ukuzikhetha ngaphandle kwalo naluphi na uthintelo. Kuya kufuneka uvavanye kuphela ukuba yeyiphi imodeli elungele iprofayili yakho njengomhambisi wolu hlobo lweemveliso zebhanki. Nangona ngokwedatha yaseburhulumenteni yamva nje bengamele ngaphezulu kwe-9% yemisebenzi etyikitywe kunyaka ophelileyo.
Ezinye iibhentshi
Abanye beqela elichasene ne-Euribor lenziwe Imibutho ye-IRPH (Isalathiso sesalathiso semali mboleko yemboleko mali), esetyenziswa phantse sisi-8% semali mboleko ethe yanikezelwa kwilizwe laseSpain. Ngelixa ngokuchaseneyo, enye yeendlela ezizezinye ibonakalisiwe koko kubizwa ngokuba IRS (Ukutshintsha kwenqanaba lenzala). Isalathiso esisesinye apho unokuqhagamshela nobambiso. Nangona kule meko-kwaye ugcina ukufana okuthile kunye ne-Euribor Plus-kubonisa uguquko lwenzala yeminyaka emihlanu. Umahluko obonakalayo ovela kwimvelaphi yesalathiso esingumxholo weli nqaku.
Okokugqibela, ikwakhona, nangona ekubuyeni okucacileyo kwimfuno yabathengi, mibor (Ireyithi ye-InterBank eMiselweyo). Ngeli thuba, phantsi kwenqanaba lenzala ebhankini esetyenziswa kwimarike eyinkunzi yaseMadrid. Nangona kunjalo, ilahlekelwe ngamandla eyaphuhlisayo ngo-80 kunye no-90. Ngayiphi na imeko, kuya kuba nguwe oya kuthatha isigqibo sokuba ngowuphi kubo oza kudibanisa ityala oza kulichitha. Apho i-Euribor iphambili kuzo zonke ezi zalathiso. Kuzo zonke iimeko, kuya kufuneka uvavanye ukuba yeyiphi na imodeli efanelekileyo kwiprofayili yakho njengommangali wolu hlobo lweemveliso zebhanki.