Maitiro ekukwira kweFED Rate Kunokanganisa Kuvaka
Zviripachena, kukwira kuri kuita chikafu kunyanya kunokanganisa indasitiri yekuvaka pamwe nemamwe maindasitiri.Kunyanya, kukwidza Fed rate kunobatsira kuderedza inflation.Sezvo chinangwa ichocho chichibatsira pakushandisa mari shoma uye kuchengetedza kwakawanda, chinogona chaizvoizvo kuderedza imwe mari pakuvaka.
Pane chimwe chinhu icho Fed rate inogona kuita kuunza mamwe mareti akasungirirwa pairi.Semuenzaniso, chiyero cheFed chinokanganisa zvakananga kiredhiti kadhi rechikwereti.Iyo zvakare inotyaira kumusoro kana kudzika mortgage-backed securities.Izvi zvakapesana zvinotyaira mitengo yemortgage, uye iri ndiro dambudziko.Mortgage rates inokwira apo Fed rate inokwira, uye ipapo kubhadhara kwemwedzi kunokwira uye huwandu hweimba iwe unogona kutenga madonhwe-kazhinji zvikuru.Izvi tinodaidza kuti kudzikiswa kwe“simba rekutenga” remutengi.
Cherekedza kuti yakawanda sei imba yaunokwanisa kutenga nemari yakaderera yemumba.
Zvimwe zvinhu izvo kuwedzera kweFed rate kunobata zvinosanganisira musika wevashandi-izvo zvinogona kuita kuti zvive nyore zvishoma.Kana Fed ichiedza kuderedza hupfumi nekusimudza mitengo, izvi zvinowanzokonzera humwe hurovha.Vanhu vanogona kuwana kukurudzira kutsva kwekutsvaga basa kune imwe nzvimbo kana izvozvo zvikaitika.
Nekuda kwekuti mitengo yemondi inokwira pamwe neFed rate, mamwe mapurojekiti ekuvaka anogona kusangana nenyaya dzakakosha dzine chekuita nekuvhara nekubhadhara mari.Maitiro ekunyora pasi anogona kukonzeresa dambudziko kana vanokwereta vasina chiyero chakakiyiwa pamberi.
Ndokumbirawo utarise ma clause ekuwedzera.
Iyo FED Rate Inobata Sei Inflation?
Vanhu vanogona kuita mari muhupfumi hwakasimba nekukurumidza kupfuura pavanenge vari muhupfumi husina simba, nokuti kuwedzera kweFed rate kunoderedza zvinhu.Hazvirevi kuti havadi kuti uite mari, inyaya yekuti havadi kuti mitengo yevatengi ikwire nekukasira saka vanobuda mukudzora.Pamusoro pazvo, hapana anoda kubhadhara $200 yerofu rechingwa.Muna Chikumi 2022, takaona kuwedzera kwepamusoro-soro kwemwedzi gumi nemiviri (9.1%) kubva mumwedzi gumi nemiviri yakapera Mbudzi 1981.
Vanhu vanowana mitengo inogona kukwira nekukurumidza kana mari inogona kuwanikwa nyore.Hazvina mhosva kana iwe uchibvumirana neizvi, Fed inosimudza inoshandisa kutonga kwayo pamusoro pehuwandu hwepamusoro kurwisana netsika iyoyo.Nehurombo, ivo vanowanzo nonoka mukukwira kwavo chiyero uye chiito ichi chinowanzogara kwenguva refu.
Maitiro ekukwira kweFED mwero kunokanganisa kuhaya
Huwandu hunoratidza kuti kuhaya kunowanzo kuwana kukwidziridzwa kubva mukukwira kweFed rate.Kana bhizinesi rako rekuvaka riri muchimiro chakanaka chemari, Fed rate inowedzera inogona kukubatsira kuhaya vanhu vazhinji.Ivo vangangove vashandi havazove nesarudzo dzinenge dzakawandisa kana FED ichinonotsa hupfumi uye inononoka kuhaya.Kana hupfumi hwakasimba huchiita kuti kushanda kuve nyore, ungangoda kubhadhara madhora makumi matatu paawa kune mukomana mutsva asina ruzivo.Kana mitengo yakakwira uye mabasa ari mashoma pamusika, mushandi mumwe chete iyeye anoita basa remadhora gumi nemasere paawa—kunyanya pakuita basa raanonzwa achikosheswa.
Tarisa Iwo Makadhi Echikwereti
Chikwereti chenguva pfupi chinokanganiswa neFed rate yakawandisa, uye kiredhiti kiredhiti kiredhiti inosungirirwa kwairi zvakananga kuburikidza neiyo prime rate.Kana iwe uri kushandisa bhizinesi rako kubva kadhi rako rechikwereti asi usingaripe mwedzi wega wega, mubereko wako wekubhadhara uchatevera iwo ari kukwira mareti ekutanga.
Ndokumbira utarise magadzirirwo ebhizinesi rako uye kana uchikwanisa kubhadhara chimwe chechikwereti chako apo mitengo inogona kukwira.
Nguva yekutumira: Jun-21-2023