I-Euribor yezinyanga ezingu-12 iphinde yaba yinto ekhathaza kakhulu abanikazi bemali mboleko yezindlu baseSpain. Izibalo ezivame ukucashunwa zibeka isilinganiso sikaSepthemba ku-3,247% , kulandela ukwenyuka kwezinyanga ezintathu ezilandelanayo futhi sifinyelele ezingeni laso eliphakeme kakhulu kusukela ngoJulayi 2014. Lesi sibalo sidlula kakhulu u-2,172% obhalwe ekupheleni kukaSepthemba wonyaka odlule, okuholele ekukhuleni okuqondile kwezindleko kulabo ababuyekezwa imali mboleko yabo yezindlu enezinga eliguquguqukayo.
Lokhu akuyona iphuzu ledatha elihlukile. I-Euribor iyisilinganiso semalimboleko yezindlu eSpain eningi, futhi uma ikhuphuka, izinkokhelo zanyanga zonke ziyathinteka . Cishe imindeni eyizigidi ezine kanye ne-75% yezindlumboleko zezindlu zaseSpain zixhunywe kule nkomba, ngokusho kwemithombo yezimboni. Ngaphezu kwalokho, ngo-Okthoba, isibonakaliso saqala ngesilinganiso sesikhashana esingu-3,303%, yize lesi sibalo singase sishintshe ngamazinga okushintshana kwansuku zonke.
Kwenzekeni nge-Euribor futhi kungani kubalulekile?
I-Euribor, eyaziwa ngokuthi i-Euro Interbank Offered Rate , iyisilinganiso senzalo lapho amabhange amakhulu aseYurophu abolekisana khona imali. Ibalwa nsuku zonke zokusebenza ngo-11:00 ekuseni kanti eSpain ishicilelwa kwi-Official State Gazette. Umsebenzi wayo ubalulekile ngoba isebenza njengesisekelo sokubeka amazinga enzalo emalini mboleko kanye nezikweletu zemali, ikakhulukazi izinkontileka zezinga eliguquguqukayo noma ezihlanganisiwe.
Phakathi noSepthemba, izinga losuku laqala ku-3,029% futhi lahlala cishe ku-3,1% engxenyeni yokuqala yenyanga. NgoSepthemba 14, ezinsukwini ezimbalwa ngemva komhlangano we-ECB, lakhuphuka ngamaphuzu angaphezu kweshumi nanhlanu laya ku-3,312%. Kusukela ngaleso sikhathi kuqhubeke, lahlala ngaphezu kuka-3,3%, lafika ku- 3,379% ngomhlaka-25, okuyizinga eliphezulu kakhulu losuku eminyakeni engaphezu kwemibili . NgoSepthemba 30, lehle laya ku-3,329%, kwathi ngo-Okthoba 1, lahlala ku-3,303%.
Isilinganiso sanyanga zonke sibonisa lokhu kukhuphuka. USepthemba uvale ngo-3,247%, uma kuqhathaniswa no-2,954% ngo-Agasti kanye no-2,855% ngoJulayi. Lokhu kuphawula inyanga yesithathu ilandelana yokwenyuka kanye nezinga eliphakeme kakhulu kusukela ngoJulayi 2024 , lapho inkomba ibekwe ngaphezu kuka-3,5%. Ngemalimboleko yendlu enamanani aguquguqukayo, umehluko phakathi kwesibalo samanje nesonyaka odlule unquma ukuthi inkokhelo yanyanga zonke izokwenyuka noma yehle ekubuyekezweni okulandelayo.
Ukwenyuka kwezinga le-ECB kanye nomongo wamazwe ngamazwe
IBhange Elikhulu LaseYurophu livumile ukwenyuka kwezinga lenzalo elingama -25-basis-point ngoSepthemba , okwesibili ngonyaka olandela lowo wangoJuni. Izinga lediphozithi lenyuswe laya ku-2,50%, isinqumo esavunyelwa yisikhungo ngokucaphuna ukwenyuka kwamandla emali kanye nokwenyuka kwezindleko zamandla. Imakethe iphinde ilindele izinguquko ezengeziwe ngaphambi kokuphela konyaka.
Umongo wamazwe ngamazwe ube yinto enqumayo. Ingxabano e-Iran kanye nokungezwani eMpumalanga Ephakathi kubeke ingcindezi ephezulu emananini kagesi nezimpahla, okwandisa ukulindela kokwehla kwamandla emali. Lokhu kuhlanganiswa kuholele i-Euribor ekuhwebeni kahle ngaphezu kwesilinganiso esisemthethweni se-ECB futhi kunciphise amathuba okwehla okusheshayo esikhathini esifushane.
Kusho ukuthini lokhu ngezimali mboleko zenzalo eziguquguqukayo?
Izimali mboleko zenzalo eziguquguqukayo zibuyekezwa njalo ezinyangeni eziyisithupha noma eziyishumi nambili, njengoba kuvunyelwene ngakho encwadini yesivumelwano semali mboleko yendlu. Lokhu kubuyekezwa kuqhathanisa inani lakamuva le-Euribor nenani elisebenza ezinyangeni ezedlule. Uma umehluko ulungile, inkokhelo yanyanga zonke iyanda ; uma inkomba yehla, imali mboleko iba eshibhile. Ngakho-ke, ukuphela kukaSepthemba kunomthelela osheshayo emindenini eminingi evuselela imigomo yayo yemali mboleko yendlu emasontweni azayo.
Isibonelo esivamile sisiza ukubeka izinto ngendlela efanele. Ngemali mboleko yendlu engu-€150.000 eminyakeni engama-25, ngokusabalala kwe-Euribor kanye no-1% kanye nokubuyekezwa konyaka, inkokhelo yanyanga zonke izokhuphuka isuka ku-€849,81 iye ku-€936,60. Ukwenyuka kungama-€86,8 ngenyanga, okulingana nemali eyengeziwe engaphezu kuka-€1.041 ngonyaka. Ngemali mboleko emikhulu, umthelela ezimalini zasekhaya ungaba mkhulu nakakhulu.
Bebhekene nalesi simo, abanye abanikazi bemali mboleko bakhetha ukuxoxisana nomboleki wabo, bacabangele ukudluliselwa kwemali mboleko, noma bahlole ukushintshela kwimali mboleko yezinga elinqunyiwe noma elixubile. Akusizi ngaso sonke isikhathi, njengoba kuncike emigomeni ethile yemali mboleko ngayinye kanye nezindleko ezihambisana nayo, kodwa ukubuyekeza umbhalo omncane wenkontileka kuye kwaba ngcono kakhulu esimweni sokukhuphuka kwamazinga enzalo.
Izibikezelo: okungenzeka kwenzeke ezinyangeni ezizayo
Abahlaziyi abalindele ukwehla okukhulu esikhathini esifushane. Imakethe iyaqhubeka nokubeka amanani ku-ECB igcina inqubomgomo yezimali evimbelayo isikhathi eside ukulawula ukwehla kwamandla emali. Uma kungekho okunye ukwenyuka kwamanani futhi isimo eMpumalanga Ephakathi sincipha, i-Euribor ingaqeda unyaka cishe ngo-2,8%. Uma ingcindezi iqhubeka futhi kukhona okunye ukwenyuka kwamanani, ububanzi bungasondela ku-3,5%.
Ngakho-ke, ukungaqiniseki kusalokhu kuphezulu. I-Euribor ihamba kanye nokulindela mayelana namazinga enzalo, ukuthambekela kokukhuphuka kwamanani entengo, kanye nemicimbi yezepolitiki. Ochwepheshe bayavuma ukuthi lesi sibonakaliso sesivele sihlanganisa ukuqiniswa okukhulu kwenqubomgomo yezimali ezinyangeni eziyishumi nambili ezizayo, ngakho-ke ukubuyekezwa kwezimali mboleko kuzoqhubeka nokuzwela kunoma yiziphi izinguquko ekubukeni komnotho.
Okulungisiwe, okuguquguqukayo noma okuxubile: okufanele kube nenani
Ukukhetha phakathi kwesikweletu semali esinqunyiwe, esiguquguqukayo, noma esixubile akufanele kuncike kuphela esilinganisweni se-Euribor. Labo ababeka phambili ukuphepha kokwazi inani labo lokukhokha lanyanga zonke bangakhetha izinga elinqunyiwe, noma ngabe izinga lenzalo lokuqala liphakeme. Labo abangamukela ukwenyuka futhi balindele ukuthi izinga linciphe esikhathini esimaphakathi bangase bacabangele izinga eliguquguqukayo. Izikweletu zemali ezixubile zizama ukuhlanganisa zombili eminyakeni embalwa yokuqala.
Kunoma ikuphi, kuwukuhlakanipha ukucabangela isithombe sonke: isikhathi semali mboleko, imali engenayo, ukonga okutholakalayo, ukubekezelela ubungozi, kanye nanoma yimiphi imikhiqizo noma izinsizakalo ezihlobene. Izinkontileka zemali mboleko zisayinwa iminyaka engama-25, ngakho-ke ukuhlela isikhathi eside kubaluleke kakhulu njengenkokhelo yanyanga zonke yamanje . Imali mboleko yezinga elinqunyiwe ibhekane nesikhathi sokuzinza ngoSepthemba, kulandela ukulungiswa kwentwasahlobo, kuyilapho imali mboleko yezinga eliguquguqukayo isengozini enkulu yokushintshashintsha kwesilinganiso se-Euribor.
I-Euribor ingena esigabeni sokugcina sonyaka ngezinga eliphezulu ngokomlando uma kuqhathaniswa nalokho okwakulindelwe ekuqaleni konyaka. Isilinganiso sikaSepthemba simi ku-3,247%, i-ECB igcina izinga lesibonelelo sediphozithi ku-2,50%, futhi imakethe ilindele intuthuko eyengeziwe. Kulabo abanemalimboleko yezindlu eguquguqukayo, ukubuyekeza ukuvuselelwa kwabo okuzayo nokuqhathanisa ezinye izindlela kuzoba umsebenzi obalulekile ezinyangeni ezizayo, kuyilapho ochwepheshe beqapha ukuthi ukukhuphuka kwamanani kanye nokungezwani kwamazwe ngamazwe kuzovumela yini impumuzo ethile noma ukuthi inkomba izoqhubeka nokubeka ingcindezi ezinkokhelweni zanyanga zonke.
