Kungani i-Euribor inegethivu?

I-Euribor izohlala ingeyinhle iminyaka engaphezulu ngokuqinisekile

Eminyakeni engaphezudlwana kwengu-4 edlule, ku NgoFebhuwari 2016, sabona i-Euribor engeyinhle ngokokuqala ngqa emlandweni. Kubantu abangazi, i-Euribor isilinganiso senzalo emaphakathi lapho amabhange amakhulu endaweni ye-euro aboleka imali. Okusho ukuthi, uma inzalo ingeyinhle, ukunikezwa kwaleyo mali kuphatha inani elincane eliphansi kunenani eliqale lanikezwa. Ingabe lokhu kunenzuzo? Cha, umqondo usitshela ukuthi ngeke sikhiphe imali ngokushintshana ngemali engaphansi kwaleyo ebibolekwe. Futhi lowo ngumbuzo, ukuthi lokhu kwenzeka kanjani.

Kulesi sihloko sizokhuluma ngokuthi kungani i-Euribor ingalungile. Izinzuzo ekufuneni ukuvuselelwa kabusha komnotho, nokuthi kudingeka kanjani le ndlela engenangqondo ephikisana nesikhathi samanje.

Ukubheka kancane kokwedlule

Kungani i-Euribor ingalungile

Ngaphambi kokuba kuqale inkinga yezimali i-Euribor ifinyelele ku-5'393%, lokhu kwakungo-2008. Lapho nje lokhu kufinyelela phezulu kufinyelelwe, ukwehla okuphuthumayo kwamazinga wenzalo kwaqala. Ngemuva konyaka, ngo-2009, sabona i-Euribor cishe ku-1%, yaphakama ngemuva kwesikhathi, kepha ngo-30 yawa ngokokuqala ngqa ngo-2012%. Eminyakeni engu-1 kamuva, ngo-4, sabona i-Euribor ingelona okokuqala ngqa. Abaningi abasindisa imali bazokhumbula leyo minyaka. Abantu ababejwayele ukwenza inzuzo kusuka kulondolozo lwabo ngamadiphozithi asebhange, ngokokuqala ngqa babenikela cishe ngokungabi nzuzo (cishe i-2016%).

Yonke inkinga yezimali eshayeke kakhulu ngemuva kwengozi yeLehman Brothers bekufanele ikhokhelwe. Amabhange amakhulu aqala ukukhipha imali futhi ayiboleka emabhange asezindaweni zawo. Isikweletu bekufanele sigeleze, imali kufanele ihambe, futhi izinkampani nemindeni kufanele zenziwe ukuthi zibuze imali futhi.

Ngubani onquma ukuthi i-Euribor engalungile iyaqhubeka futhi ngasiphi isizathu?

Imayelana nentshisekelo yokuthi ibhalwe yi-European Central Bank ngokuboleka imali emabhange. Enye yezinhloso, njengoba kushiwo ngaphambili, ukuthola isikweletu nemali yokugeleza, okungukuthi, ukukhuthaza ukusetshenziswa. Lokhu kuketshezi kulungiswa ngenhloso yokwenyuka kancane kancane kwamandla emali. Ngaphandle kokuthi izinqubomgomo zezimali zokukhuphula ukwehla kwamandla emali sezineminyaka zisebenza, azikazuzwa. Ukuwa kwezinto zokusetshenziswa ezinjengowoyela noma eminye imikhiqizo ethunyelwa kwamanye amazwe, kanye nokusetshenziswa okuphansi "okucindezela" amanani entengo, kuvimbela ukwehla kwamandla emali ukuthi kungakhuphuki. Ngendlela elinganiselayo, kungathiwa iphilile, kuphezulu kakhulu kulimaza umnotho. Ngendlela efanayo nokuthi ukwehla kwamandla emali okungalungile, okungukuthi, ukwehla kwamandla emali, nakho kubi emnothweni.

I-Euribor ephansi ihlose ukukhuthaza ukusetshenziswa ukuze kuvuselelwe umnotho

Ngenxa yokwehla kwamandla omnotho, imindeni yaqala ukonga okuningi, njengoba umnotho wawudamba. Ukwanda kokuntuleka kwemisebenzi kanye nobunzima bokuthola isikweletu kwaqinisa inkinga. Kodwa-ke, uma kufanele uvuselele umnotho obekufanele uwudle futhi okwenziwe ngabantu wonge imali ethe xaxa ngoba besesimeni somnotho, kwakha umbuthano ononya. Lokhu kuphazamiseka kwaholela ekubeni kungene imali encane, futhi ngenxa yalesi sizathu kwaqala ukukhuthaza ukuboleka ngokwehlisa inzalo, okungukuthi, ukwehlisa intengo yokubolekisa ngemali. Ngalesi sizathu, ukukhuphula inani lenzalo kuyinto okuthi noma kulindelwe, kungenziwa. Kungadambisa izicelo zesikweletu, ngakho-ke ukusetshenziswa kungathinteka.

Izinzuzo nezinkinga ze-Negative Euribor

Izinzuzo nobubi bokuba ne-Euribor ngamanani amabi

Umqondo wokukhuthaza ukusetshenziswa ngokususelwa kuzinqubomgomo zezimali unobuso obubili. Ukuqonda ukuthi i-Euribor engeyinhle ithinta kanjani hhayi nje kuzokusiza ukuthi usiqonde kangcono isimo sezomnotho e-Eurozone, kodwa futhi nakwezimali zakho.

Izinzuzo zayo zifaka, ngokwesilinganiso, ukwazi ukufinyelela imali mboleko yendlu ngenzalo ephansi. Uma imali mboleko isezingeni elingafani, kuvame ukubonakala kakhulu lapho i-Euribor iwa, ngoba kungenzeka ukhokhe kancane, okuhumusha okongiwa kwamaphakethe. Okwempahla ebanjisiwe engaguquki, engeyona imbalwa futhi kuyinto ejwayelekile ngokubuka ukwesaba ukukhokha inzalo ephezulu, ukwehla kwe-Euribor akujwayele ukuqashelwa. Ngokuba namandla amakhulu wokonga, imindeni ingaba nezinsizakusebenza eziningi ezingazisebenzisa, okukhuthaza ukucebiswa yizinkampani. Ngale ndlela, wonke lo mjikelezo uvaliwe, futhi ugcina usizuzisa thina sonke.

I-athikili ehlobene:
Yini i-Euribor

Phakathi kokubi kwayo ikakhulu ukuthi intengo yemali iphansi, okungukuthi, kunjalo ithanda ukusetshenziswa okulimaza ukonga. Ezinye izindlela zokuthi ungabeka kuphi futhi wandise imali eningi nazo ziyancipha. I-Euribor engeyinhle yisixazululo sesikhathi esifushane noma esimaphakathi, kepha hhayi isikhathi eside.

Iqiniso elinqabayo ukuthi iningi labasindisa imali banquma ukutshala imali bese bebeka imali yabo emsebenzini, abanye emakethe yamasheya, abanye bakha amabhizinisi amasha ... angazi noma lokhu kuyinzuzo noma kuyinkinga, ngoba lapho ulwazi ngayo luphansi , imvamisa ayinayo imiphumela emihle. Kodwa-ke, kuyakhuthaza futhi kufundise izindlela ezingcono nezintsha kubantu ababengeke bazifune ngaphambili.

Amathemba esikhathi esizayo we-Euribor

I-Euribor engeyinhle ifuna ukukhuthaza ukusetshenziswa futhi yenze umnotho ukhule

Ngaphambi kokuba kube khona ubhadane, izibikezelo zesikhathi esizayo bezingakwazi ngaso sonke isikhathi ukuthi zilungile, kepha impela zaziqine ukwedlula imvelo yamanje. Umbono wamanje wezomnotho ucishe ufane nomnotho, okungukuthi, ubhekiswe phansi. Ngokuvalelwa okwandile kulo Mashi 2020, sabona i-Euribor ishayisa kakhulu emlandweni, ukuze kuthi kungakapheli nenyanga ibe nokubuya okukhulu (kusesendaweni engeyinhle). Ezinyangeni ezilandelayo kuze kube manje, iyaqhubeka nokwehla, kepha kancane kancane.

Kulindeleke ukuthi kulo nyaka futhi okungenani olandelayo, i-Euribor iqhubeke endaweni engeyinhle. Cishe -0% ye-25 ne -2020% ye-0. Kodwa-ke, konke lokhu kungashintshwa, kuya ngemithelela yezomnotho yalolu bhubhane, izimpendulo ezinikezwa ngokwezepolitiki, futhi, nangendlela i-European Central Bank enquma ngayo ukubhekana nezimo ezahlukahlukene ezizayo. Ekugcineni, amandla amakhulu kanye negunya lokunquma ukuthi uzokhuphula noma wehlise i-Euribor yi-ECB.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

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Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.