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Iindaba ze-Mortgage

Ngawaphi amathuba emarike ye-mortgage njengoko izinga lotshintshiselwano lwe-RMB liwela ngaphantsi kwe-6.9 kwaye idola liyaqhubeka lixabisa?

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09/17/2022

Isalathiso seDola sinyuke siye kwiminyaka engama-20 ephezulu

NgoMvulo, isalathiso sedola ye-ICE sinyuke okwethutyana ngaphezulu kwe-110 yamanqaku, safikelela kwindawo ephezulu phantse kwiminyaka engama-20.

iintyatyambo

Umthombo womfanekiso: https://www.cnbc.com/quotes/.DXY

I-Index ye-Dollar yase-US (USDX) isetyenziselwa ukubala izinga elidityanisiweyo lokutshintsha kwedola yaseMelika ngokuchasene nezinye iimali ezikhethiweyo ukulinganisa iqondo lamandla edola yaseMelika.

Le bhaskithi yemali ineemali ezintandathu eziphambili: i-Euro, i-Yen yaseJapan, iPonti yaseBritane, iDola yaseKhanada, iKrona yaseSweden kunye ne-Swiss Franc.

Ukunyuka kwesalathiso sedola kubonisa ukuba umlinganiselo wedola kwiimali ezingentla unyukile, oku kuthetha ukuba idola liye laxabisa kwaye izinto eziphambili zamazwe ngamazwe zihlanjululwa kwiidola, ngoko ke amaxabiso ezinto ezihambelanayo awela.

Ngaphandle kwendima ebalulekileyo edlalwa yi-dollar index kwintengiso yokutshintshiselana kwamanye amazwe, indawo yayo kwi-macroeconomics akufanele ihoywe.

Inika abatyali-mali ingcamango yokuba idoli yase-US inamandla kangakanani emhlabeni, echaphazela ukuhamba kwenkunzi yehlabathi kunye nefuthe kwi-stock and bond markets, phakathi kwabanye.

Kunokuthiwa isalathiso sedola yimbonakaliso yoqoqosho lwase-US kunye nemozulu yemozulu kutyalo-mali, yiyo loo nto ijongwa yimarike yehlabathi.

 

Kutheni idola iqhubeka nokuxabisa kwakhona?

I-spike esheshayo kwi-dollar ukususela kulo nyaka yaqala xa i-Federal Reserve ibonise - ngeendleko zokukhula koqoqosho - ukuba iya kulwa nokunyuka kwamaxabiso ngokunyusa izinga lenzala ngokukhawuleza.

Oku kubangele amaza okuthengisa kwi-stock kunye nee-bond markets kwaye kwaqhuba izivuno zebhondi zase-US njengoko abatyali-mali babalekela kwi-dollar yase-US njengendawo ekhuselekileyo, ekugqibeleni baqhubela isalathiso sedola kumanqanaba angazange abonwe kumashumi eminyaka.

Ngeengxelo ze-hawkish zamva nje zikaPowell "zokulwa nokunyuka kwamaxabiso ngaphandle kokuyeka", abaninzi ngoku balindele ukuba i-Fed iqhubeke iphakamisa izinga lenzala nge-2023, kunye nesiphelo esinokuthi sibe malunga ne-4%.

Isivuno seminyaka emibini yeebhondi zase-US sikwaphule umqobo we-3.5% kwiveki ephelileyo, elona nqanaba liphezulu ukusukela oko kwaqhambuka ingxaki yemali yehlabathi.

iintyatyambo

Umthombo womfanekiso: https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html

Ukuza kuthi ga ngoku, ulindelo lwe-75 yenqanaba lokunyuka kwezinga lokunyuka ngoSeptemba liye lafikelela kwi-87%, kwaye i-Fed iya kuqhubeka iphakamisa amaxabiso ukuhenda abatyali-mali ukuba batshintshe imali kumazwe apho amaxabiso asephantsi ukuya e-US.

Ngakolunye uhlangothi, i-euro, eyona nxalenye inkulu yesalathiso sedola, inempembelelo enkulu kuyo, ngelixa ingxaki yamandla eYurophu iye yanda kwakhona ngokuphazamiseka kwangoku kwegesi ukusuka eRashiya ukuya eYurophu.

Kodwa ngakolunye uhlangothi, ukusetyenziswa kunye nedatha yengqesho e-US iphuhliswe kakuhle, kwaye umngcipheko wokudodobala kwezoqoqosho uphantsi, nto leyo eyenza ukuba i-asethi yedola ifuneke ngakumbi.

Okwangoku, kubonakala ngathi umgaqo-nkqubo wokunyuka kwe-Fed ufana notolo kwi-bowstring, imeko eRashiya nase-Ukraine ayinakwenzeka ukuba iguqulwe kwixesha elifutshane, iDola inokuthi igcine isantya esinamandla, kwaye ilindeleke ukuba ngaphaya kwe-115 ukuphakama.

 

Ngawaphi amathuba adalwe kukuthotywa kwexabiso le-RMB?

Ukuxatyiswa okukhawulezileyo kwedola yaseMelika kukhokelele ekuthotyweni jikelele kweemali zoqoqosho oluphambili lwehlabathi, apho izinga lotshintshiselwano lwe-RMB lingagcinwanga.

Ukususela nge-8 kaSeptemba, izinga lokutshintshiselwa kwe-yuan liye lanciphisa ipesenti ze-3.2 ngenyanga ukuya kwi-6.9371, kwaye abaninzi bayesaba ukuba banokuwela ngaphantsi kwezinga le-7 ebalulekileyo.

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Umthombo womfanekiso: https://www.cnbc.com/quotes/CNY=

Ukuthomalalisa uxinzelelo kwi-yuan ehlayo, ibhanki ephakathi yaseTshayina ikwanqumle umyinge wemfuneko yogcino lweedipozithi zemali yangaphandle - ukusuka kwi-8 ukuya kwi-6 ekhulwini.

Ngokubanzi, ukuhla kwexabiso lotshintshiselwano kwandisa ukuthunyelwa kwamanye amazwe, kodwa kukhokelela ekuhlahleni kweempahla ezenziwe ngemali yendawo - ukuhla kwexabiso le-RMB kukhokelela ekucuthekeni kwee-asethi.

I-asethi ecuthekayo ayilunganga kutyalo-mali, kwaye imali ekwiiakhawunti zabantu abazizityebi iya kuncipha kunye nabo.

Ukugcina ixabiso lemali kwiiakhawunti zabo, ukufuna utyalo-mali lwaphesheya iye yaba yindlela eyandayo ethandwa ngabantu abanexabiso eliphezulu ukugcina ixabiso leemali zabo ezikhoyo.

Ngeli nqanaba, xa uqoqosho lwaseTshayina lubuthathaka, i-RMB iyancipha kwaye i-USD ixabisa kakhulu, utyalo-mali kwi-US real estate luba luthango kubantu abaninzi.

Abathengi baseTshayina bathenge i-6.1 yeebhiliyoni zeedola (okanye ngaphezulu kwe-RMB 40 yeebhiliyoni) ezixabisa i-US real estate kunyaka ophelileyo, ukuya kuma-27 ekhulwini ukusuka kunyaka odlulileyo, ngokutsho kwe-NAR.

Ekuhambeni kwexesha, indlela ephuhlayo yabatyali-zimali baseTshayina kukwandisa umlinganiselo wokwabiwa kwee-asethi phesheya.

 

Kwimarike yemali-mboleko, oku kunokwenzeka ukuba kuzise amanye amathuba amatsha kunye namathuba.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.


Ixesha lokuposa: Sep-17-2022