Sei Prime Rate yakakosha zvakanyanya mupfungwa dzemabhangi'?
10/10/2022
Kwakabva Prime Rate
Pamberi peKuderera Kukuru, mitengo yekukweretesa muUS yakasunungurwa, uye bhangi rega rega rakaisa mwero waro wekukweretesa nekutarisa mutengo wemari, mapremium enjodzi, nezvimwe zvinhu.
Muna 1929, US yakapinda muKuderera Kukuru - apo hupfumi hweUS hwakadzikira, mabhizinesi akavharwa nehuwandu hukuru, uye mihoro yevagari yakadzikira.
Nekudaro, kusaenzana pakati pekupa uye kudiwa kwemari kwakabuda mumusika, uye huwandu hwemabhizinesi anokweretesa uye vanogamuchira kiredhiti yemhando yakaderera nekukurumidza.Zvakadaro, chikamu chebhanga chaive nemari yakawandisa uye chaida kutsvaga pekudyara.
Kuti uchengetedze huwandu hwezvikwereti, mamwe mabhanga ezvokutengeserana akatanga kudzikisa nemaune zviyero zvechikwereti, mamwe makambani asina kunyatsokodzera akaiswawo muboka rezvikwereti, mabhanga akakwikwidzana nevatengi vemakambani uye akatotanga kupa mubereko kuderedzwa.
Kubhadhariswa kwebhangi kwakazoguma kwakonzera kuwedzera kukuru kwezvinhu zvisiri kushanda sezvo mabhanga ane cheni dzakatyoka akaparara, zvichiwedzera kuderera kwehupfumi.
Kudzivirira kukwikwidzana kwakashata pakati pemabhangi uye kugadzirisa mari yekuchengetedza uye yechikwereti, iyo Federal Reserve yakaunza akati wandei matanho, imwe yacho iri yekutanga kukweretesa - iyo Prime Rate.
Gwaro iri rinotsigira kumisa mwero wemubereko mumwe chete kuti ushande semubereko wepasi pezvikwereti, uye mabhanga anofanira kukweretesa nemitengo iri pamusoro peiyi yakakwana yekukweretesa kudzikamisa kurongeka kwemusika.
Prime Rate inoverengwa sei?
Iyo Loan Prime Rate (inozonzi LPR) ndiyo chiyero chemubereko icho mabhanga ekutengesa anobhadharisa zvikwereti kune vatengi vawo nepamusoro-soro kiredhiti - ava vanokwereta vanonyanya kukwereta ndiwo mamwe emakambani makuru.
Mumakore ekuma1930, padanho reWall Street Journal, iyo LPR yakaverengerwa nekuyera 22-23 makotesheni kubva kumabhangi makuru makumi matatu ekutengeserana muUnited States, yakasarudzwa maererano nemitemo yekutarisa LPR yemusika, uye yakaburitswa nguva nenguva. mubepa edition yeWall Street Journal, uye iyi Prime Rate yakabudiswa inomiririra muganho wakaderera wemitengo yese yekukweretesa pamusika.
Nzira yekuona chiyero cheLPR chakashanduka kwemakore anoda kusvika makumi masere: Pakutanga, mabhanga mazhinji aitora iyo Federal Funds Target Rate (FFTR) apo mabhanga aive nerusununguko rwakanyanya rwekutonga mibairo.
Muna 1994, zvisinei, Federal Reserve yakabvumirana nemabhanga ekutengeserana kuti LPR yaizotora chimiro chekugadzirisa kuzere kumari yemubatanidzwa, iyo fomula ichive Prime Rate = Federal Funds Target Rate + 300 basis points.
Aya mazana matatu mapoinzi mapoinzi kukosha kwepakati, zvichireva kuti kupararira pakati pePrime Rate neFederal Funds Rate kunotenderwa kuchinjika zvishoma pamusoro uye pazasi mazana matatu mapoinzi.Kwenguva zhinji kubvira 1994, kupararira uku kwave kuri pakati pe280 ne320 mapoinzi.
Kutanga muna 2008, sezvo chikamu chebhangi chakawedzera kunyanya uye mabhanga mazhinji ainyatsodzorwa nemabhanga mashoma, nhamba yemabhangi akarongedzerwa eLPR yakaderedzwa kusvika gumi, iyo iyo LPR rates yakadhindwa paWall Street yakachinja apo mazinga ekutanga. emabhanga manomwe akachinjwa.
Nekuiswa kweiyi quotation mechanism, mabhanga ekutengesa akapotsa arasikirwa nekuzvimiririra mukugadzirisa Prime Rate.
Nei ndichifanira kuva nehanya nezvePrime Rate?
Iyo Prime Rate, yakadhindwa neWall Street Journal, chiratidzo chemitengo yemubereko muUS uye inoshandiswa seyero yekutanga neinopfuura makumi manomwe muzana emabhangi.
Mari dzemubereko pazvikwereti zvevatengi dzinowanzo vakwa pachiyero ichi, uye kana chiyero ichi chachinja, vatengi vazhinji vanozoonawo shanduko yemubereko pamakadhi echikwereti, zvikwereti zvemotokari, uye zvimwe zvikwereti zvevatengi.
Tichangobva kutaura kuti kuverenga kwechiyero chepamusoro kunobva kuFederal Funds Target Rate + 300 basis points, uye "Federal Funds Target Rate" ndiyo "Interest" yeFed mukukwira kwehuwandu gore rino.
Mushure mekunge Fed yakwidza mitengo kechitatu munaGunyana ne75, mwero wepamusoro wakakwira kusvika pa3% kusvika pa3.25% uye yakawedzera imwe 3% yeprime rate ndiyo ishoma iripo pamutengo wekukweretesa pamusika.
Mufananidzo kunobva: https://www.freddiemac.com/pmms
Nemusi weChina, Freddie Mac akashuma yemakore makumi matatu yakagadziriswa mortgage rate avhareji 6.7% - yakakwira kupfuura fungidziro yedu yemutengo wekutanga.
Iko kuverenga kuri pamusoro apa kunotipawo kunzwisiswa kuri nani kwemabatiro ehuwandu hwekukwira kwakafambiswa nekukurumidza kumusika wembangi.
Shanduko dzemutengo wepamusoro dzichavawo nekukanganisa kwakananga kune zvimwe zvikwereti zvemba, senge zvinogadziriswa zvikwereti, izvo zvinogadziridzwa gore rega, uye Home Equity Loans (HELOCs), iyo inosungirirwa zvakananga kune yekutanga rate.
Sezvo tanzwisisa "hupenyu hwekare" hwemutengo wepamusoro, zvinotibatsira zvakanyanya kuti titarise mafambiro emari yembanje, uye tichipihwa mutemo weFed unoramba uchikwira, vanotenga dzimba vane zvinodiwa nechikwereti vanofanirwa kutanga nekukurumidza kuti vadzivise kupotsa nguva yakanaka yekuchengetedza. mwero wakaderera.
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Nguva yekutumira: Oct-11-2022