Ngubani osenzayo?
Ngokomzekelo, ibhanki inokuphakamisa ixabiso lentengo kwikhadi lekhredithi ukuba uyaphuthelwa intlawulo.
I-Fed ichaphazela iRhafu yeNtshisekelo yexesha elifutshane
I-Libor : Le yerhafu yemali ibhankelana omnye nomnye ngokubolekwa kwemini yokubambisana ukuze ihlangabezane neemfuno ze-Fed zokugcina . Ingqamaniso yesilinganiselo sokunikezela kwe-London InterBank. Ngokuqhelekileyo zimbalwa zeeshumi zephuzu eliphezulu kunezinga lezimali zeFed.
Ixabiso eliyiNtloko : Ziziphi iibhanki ezihlawulisa abathengi abahamba phambili Ngokuqhelekileyo ngaphezu kwezinga leemali zeFed, kodwa ngamaphuzu ambalwa angaphantsi kwezinga lesantya lesantya. Iirhafu zenzalo zichaphazela uqoqosho ngokuthe ngcembe. Xa i-Federal Reserve iguqula isantya semali ye-Fed, ingathabatha iinyanga ezili-12 ukuya kwezi-18 ngenxa yenguqu yenguqu ye-percolate kuwo wonke uqoqosho. Njengoko ukunyuswa kwamaxabiso, iibhanki ziboleka kancane, kwaye amashishini athatyathele ukwanda. Ngokufanayo, abathengi bayaziqonda ngokukhawuleza ukuba ababutyebi njengokuba babekade bekhona, kwaye bachithe ukuthenga.
Abahlalutyi bemasheke kunye nabathengisi babukele iintlanganiso ze- FOMC zenyanga.
Ixabiso le-0.25 lehla kwinqanaba ngokukhawuleza lithumela imakethe ephezulu ngokuzonwabisa ngoba iyazi ukuba iya kukhuthaza uqoqosho. Ngakolunye uhlangothi, ukwanda kwe- 0.25 kwinqanaba kungathumela imarike phantsi, njengoko ikulindele ukukhula okucothayo. Abahlalutyi baphatha yonke into ekhulunywe ngumntu oseFed ukuze azame kwaye afumane ingcaciso malunga noko kuza kwenziwa iFom.
Iindidi ezahlukileyo zemilinganiselo zenzalo ziqhutywa ziintlobo ezahlukeneyo. Iirhafu zentsingiselo eziguqukayo ziloo nto igama elithethayo, ziyahluka kulo lonke uboleko bomboleko. I- Fed iphakamisa okanye iyanciphisa izinga lokunyusa imali kunye nezixhobo zalo.
Indlela abaTyalo-mali beNondyebo abachaphazela ngayo iiRhafu zeThuba elide
IiRhafu kwiimali-mboleko zexesha elide, ezifana neminyaka eyi-15 kunye neminyaka engama-30 enomyinge wemali yokuboleka imali, isetyenzisiweyo kwikota yemboleko, malunga ne-15 okanye iminyaka engama-30. Kuyafana neenqanaba zenzalo kwi-credit non-credit. Ezi ziboleko zemali zabathengi ngemoto, imfundo kunye nokuthenga abathengi abaninzi njengenitshala. Le ntlawulo yemigangatho iphezulu kunezinga lokuqala , kodwa ngaphantsi kwekhredithi eguqukayo. Ekubeni ezi mboleko ziyiminyaka enye, emithathu, emihlanu okanye eyi-10, ziyahluka kunye nezivuno zonyaka omnye, oneminyaka emihlanu, kunye ne- 10 yeminyaka .
Ezi ntlawulo zenzalo azilandelanga isantya semali esondliwe. Kunoko, balandela izivuno kumanqaku angama-10 okanye ama-30 weNondyebo .
Ezi zintengiso ngeSebe leNondyebo le- US kumthengi ophezulu. Izivuno ziphendula kwimfuno yemarike. Ukuba kukho imfuno enkulu yale manqaku, ke izivuno zingaba ziphantsi. Ukuba akukho mfuneko emininzi, ke iimveliso kufuneka ziphakame ukuheha abatyale-mali.
Iinjongo zeBhanki zichaphazela njani ezinye iindidi zeerhafu
Kuze kubekho ukuhlaselwa kwezindlu ekuqaleni kwee-2000, zahluka kunye nexabiso lokunyusa imali. Leyo yenzalo ekujoliswe kuyo inokulawulwa ngokukhawuleza njengoko i-house boom iqhutywe, iintlobo ezintsha zeentengo zemali eziguquguqukayo zenziwa. Amanye ahlukeneyo amanqanaba ngokwemiselo. Unyaka wokuqala wawungama-1 ekhulwini okanye iipesenti ezi-2, ngoko izinga liye lanyuka kwisibini okanye wesithathu. Abantu abaninzi baceba ukuthengisa ikhaya labo ngaphambi kokuba inzala ibambe, kodwa abanye babanjwe xa amaxabiso ezindlu aqala ukuwa ngo-2006.
Okubi nakakhulu kwakuyi mboleko kuphela . Abboleki bakhokhela umdla, kwaye abazange banciphise inqununu. Iyona mboleko eyimbi kakhulu yokuboleka imali . Intlawulo nganye yenyanga yayingaphantsi kokufuneka ukuhlawula umdla. Kunoko, inqununu kule mboleko iyanyuka inyanga nganye.
Ixabiso lekhadi lokuthenga ngetyala liqhelekileyo lizinga lentengo ephezulu. Kungenxa yokuba amakhadi enkoleko afuna uninzi lokulondolozwa njengoko beyinxalenye yecandelo leentengo zemali. Le mivuzo inomdla amaninzi amanqaku angaphezulu kwezinga leLibor .
Kutheni amaxabiso enkqantosi ebalulekileyo
Inzala yokulawula inokulawula ukuhamba kwemali kuqoqosho. Amanani omdla aphezulu awanqanda ukunyuka kwamaxabiso , kodwa ayancipha umnotho. Ixabiso lentengo elincinci likhuthaza uqoqosho, kodwa lunokubangela ukunyuka kwamaxabiso . Ngako oko, akumele ukwazi ukuba ngaba iirhafu ziyakhula okanye zinciphisa, kodwa ziziphi ezinye izikhombisi zezoqoqosho ezithethayo.
- Ukuba amaxabiso enzala ayanda kwaye iNkcitho yabathengi iyancipha, oku kuthetha ukuba uqoqosho aluphefumli, okulungileyo.
- Kodwa, ukuba amaxabiso ayanda kwaye umkhiqizo owenziweyo uphantsi, ukunciphisa umnotho kakhulu, oko kungakhokelela ekutyekeni kwemali .
- Ukuba amaxabiso ayancipha kwaye i-GDP iyanda, uqoqosho lukhawuleza, kwaye luhle.
- Kodwa, ukuba amaxabiso ayancipha kwaye i-CPI iya kwanda, uqoqosho lujoliswe kwixabiso lentengo.
Iimali zenzalo zichaphazela njani uqoqosho lwe-US
Uqoqosho lweminyaka ka-2008 lwaluxelwe kwangaphambili ngedonga lokuvuna elivunyiweyo . Yilapho i- Nondyebo ithawula ixabiso lexesha elide liphantsi kunezinga elifutshane. I-Nondyebo ivelisa i-200-year low of 1,442 pesenti. Ukususela ngoko, isivuno kwiNondyebo yeminyaka eli-10 siphakamileyo ngaphezu kweepesenti ezi-2.
Iimali zenzalo ziyakuthinta njani
Iimpembelelo ezichaphazelekayo zenzalo kwi- home mortgage yakho . Ukuba ixabiso lentengo liphezulu, iintlawulo zakho zemali mboleko ziya kuba zikhulu. Ukuba uthengela ikhaya , oku kuthetha ukuba unako ukufumana ikhaya elibizayo. Nangona awukho kwimarike, ixabiso lakho lekhaya aliyi kuvuka kwaye lingahle linciphise ngamaxesha enzala ephezulu.
Ngakolunye uhlangothi, inzala ephakamileyo yemingciphe iyanqanda ukunyuka kwamaxabiso. Oku kuthetha ukuba intengo yezinye iimpahla ezifana nokutya kunye nepetrol iya kuhlala isezantsi, kwaye i-paycheck yakho iya kuqhubeka. Ukuba uhlakaniphile ngokwaneleyo ukuba ungene kwi-mboleko ejongene nomdla kwizinga elincinane, umvuzo wakho uya kululalisa ngakumbi.
Ukuba amaxabiso enzala ahlala phezulu kakhulu, adala ukukhula kwemali, okudala ukulahla njengoko amashishini aphuza. Ukuba unesicatshulwa , okanye isikhundla esichengeni, ungasuswa.