Kutheni i-Prime Rate ibaluleke kangaka ezingqondweni zeebhanki '?
10/10/2022
Imvelaphi yexabiso leNkulumbuso
Ngaphambi koxinzelelo olukhulu, iireyithi zokuboleka imali e-US zakhululwa, kwaye ibhanki nganye yabeka inqanaba layo lokuboleka ngokuqwalasela iindleko zeemali, iipremiyamu zomngcipheko kunye nezinye izinto.
Ngo-1929, i-US yangena kuxinzelelo olukhulu - njengoko uqoqosho lwase-US lwalusiya lusiba mbi, amashishini avalwa ngamanani amakhulu, kwaye nemivuzo yabahlali yehla.
Ke, ukungalingani phakathi konikezelo kunye nemfuno yemali eyinkunzi kuvele kwimarike, kwaye inani lamashishini afanele ukuhlawulwa ngetyala kunye nabafumana ikhredithi esemgangathweni lehla ngokukhawuleza.Nangona kunjalo, icandelo lebhanki linemali eseleyo kwaye lalifuna ukufumana indawo yokutyala imali.
Ukuze kugcinwe umthamo wemali-mboleko, ezinye iibhanki zorhwebo zaqala ukuthoba ngabom imigangatho yetyala, ezinye iinkampani ezingachanekanga kakuhle ziye zaqukwa kwiqela ekujoliswe kulo lemali-mboleko, iibhanki zakhuphisana kubathengi bamaqumrhu kwaye bade baqalisa ukunika izaphulelo zenzala.
Isiphumo sokukhutshwa kwetyala lebhanki kukhokelele ekwenyukeni okukhulu kwempahla engasebenziyo njengoko iibhanki ezineengxowankulu eziqhawukileyo ziye zatshona, nto leyo eqhubela phambili ukudodobala koqoqosho.
Ukuthintela ukukhuphisana okukhohlakeleyo phakathi kweebhanki kunye nokulawula ukugcinwa kunye nokuthengiswa kwemali-mboleko, i-Federal Reserve yazisa inani lamanyathelo, enye yeyona ndlela yokuboleka imali - i-Prime Rate.
Lo mgaqo-nkqubo uxhasa ukumiselwa komlinganiselo wenzala omnye ukuze usebenze njengomlinganiselo wenzala kwiimali-mboleko, kwaye iibhanki kufuneka zibolekise ngeereyithi ezingaphezulu kweli qondo liphezulu lokuboleka imali ukuzinzisa ulungelelwaniso lwemalike.
Ibalwa njani iPrime Rate?
Ixabiso lemali-mboleko (emva koku elibizwa ngokuba yi-LPR), lizinga lenzala ezihlawuliswa iibhanki zorhwebo ngemali mboleko kubathengi bazo abanawona manqaku aphakamileyo amatyala - abona baboleki banelungelo lokuthenga ngetyala ngokwesiqhelo bamanye awona maqumrhu amakhulu.
Kwiminyaka yoo-1930, kwinyathelo lokuqala leWall Street Journal, iLPR yabalwa ngokulinganisa i22-23 kuchaphulo olusuka kuma-30 eebhanki ezinkulu zorhwebo eUnited States, ezikhethwe ngokwemigaqo yokumisela iLPR yemarike, yaza yapapashwa rhoqo. kuhlelo lwephepha lweWall Street Journal, kwaye le Prime Rate epapashiweyo imele umda ophantsi wazo zonke iireyithi zokuboleka imali kwimarike.
Indlela yokumisela izinga le-LPR yavela malunga neminyaka engamashumi asibhozo: Ekuqaleni, uninzi lweebhanki lucaphule iNgxowa-mali yeNgxowa-mali ekuJoliswe kuyo (FFTR) xa iibhanki zinenkululeko ephezulu yokulawula inzala.
Ngo-1994, nangona kunjalo, i-Federal Reserve yavumelana neebhanki zorhwebo ukuba i-LPR iya kuthatha uhlobo lolungiso olupheleleyo kwi-federal target rate, kunye ne-formula ibe yi-Prime Rate = i-Federal Funds Target Rate + 300 amaphuzu asisiseko.
Eli nqaku lesiseko se-300 lixabiso eliphakathi, oku kuthetha ukuba ukusasazeka phakathi kwe-Prime Rate kunye ne-Federal Funds Rate kuvunyelwe ukuguquguquka kancinci ngasentla nangaphantsi kwe-300 yesiseko.Uninzi lwexesha ukusukela ngo-1994, oku kusasazeka kube phakathi kwama-280 kunye nama-320 amanqaku esiseko.
Ukuqala ngo-2008, njengoko icandelo lebhanki liye lagxila ngakumbi kwaye iibhanki ezininzi zazilawulwa ziibhanki ezimbalwa, inani leebhanki ezidweliswe kwi-LPR lancitshiswa ukuya kwishumi, apho imilinganiselo ye-LPR epapashwe kwiWall Street yatshintsha xa iireyithi eziphambili. yeebhanki ezisixhenxe ezitshintshiweyo.
Ngokuziswa kolu buchule bekoteyishini, iibhanki zorhwebo ziphantse zaphulukana nokuzimela geqe ekulungiseni iRate yeNkulumbuso.
Kutheni kufuneka ndikhathalele iRhafu yeNkulumbuso?
I-Prime Rate, epapashwe yi-Wall Street Journal, isalathiso senzala e-US kwaye isetyenziswe njengenqanaba lesiseko ngaphezu kwe-70% yeebhanki.
Inzala kwimali-mboleko yabathengi iqhele ukwakhiwa kolu xabiso luphambili, kwaye xa olu xabiso lutshintsha, abathengi abaninzi bayakubona utshintsho kwinzala kumakhadi okuthenga ngetyala, imali-mboleko yemoto, kunye nezinye iimali-mboleko zabathengi.
Sisandul' ukukhankanya ukuba ukubalwa kwexabiso eliphambili lithathwe kwi-Federal Funds Target Rate + 300 basis points, kwaye "i-Federal Funds Target Rate" yi-Fed's "Inzala" ekunyuseni izinga lokunyuka kulo nyaka.
Emva kokuba i-Fed inyuse amaxabiso okwesihlandlo sesithathu ngoSeptemba ngamanqaku asisiseko angama-75, izinga eliphambili linyuke laya kutsho kwi-3% ukuya kwi-3.25% kwaye longeze i-3% eyongezelelweyo yexabiso eliphambili ngokusisiseko lincinci langoku lereyithi yokuboleka imali kwimarike.
Umthombo womfanekiso: https://www.freddiemac.com/pmms
NgoLwesine, uFreddie Mac wabika i-30-year fixed rate ye-mortgage rate ephakathi kwe-6.7% - ephezulu kunoqikelelo lwethu lwezinga lokuqala.
Olu balo lungentla lukwasinika ukuqonda okungcono malunga nendlela impembelelo yokunyuka kwesantya ihanjiswe ngokukhawuleza kwimarike yemali-mboleko.
Utshintsho kwixabiso eliphambili liya kuba nefuthe elithe ngqo ngakumbi kwezinye iimali-mboleko zezindlu, njengemali-mboleko ehlengahlengiswayo, ehlengahlengiswa minyaka le, kunye neMali-mboleko ye-Home Equity (HELOCs), ebotshelelwa ngokuthe ngqo kwireyithi yokuqala.
Ukuqonda "ubomi obudlulileyo" bexabiso eliphambili, kuluncedo ngakumbi kuthi ukuba sibeke iliso kwireyithi yemali-mboleko, kwaye sinikwe umgaqo-nkqubo wokunyuswa kwexabiso le-Fed oqhubekayo, abathengi bamakhaya abaneemfuno zetyala kufuneka baqale kwangoko ukuphepha ukuphoswa lixesha elifanelekileyo lokhuseleko. izinga eliphantsi.
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: Oct-11-2022