Indlela yokuNyuka kweNtlawulo ye-FED kuchaphazela ulwakhiwo
Ngokucacileyo, ukunyuka kwezinga lokutya okukodwa kuchaphazela ishishini lokwakha ecaleni kwamanye amashishini.Ngokukodwa, ukunyusa izinga leFed kunceda ukucotha ukunyuka kwamaxabiso.Njengoko olo sukelo lufak’ isandla ekusetyenzisweni okuncinane nokongiwa okungakumbi, lusenokunciphisa inkcitho ethile yokwakha.
Kukho enye into i-Fed rate enokuyenza kukuzisa amanye amaxabiso aboshwe ngokuthe ngqo kuyo.Ngokomzekelo, izinga le-Fed lichaphazela ngqo amaxabiso enzala yekhadi letyala.Ikwaqhubela phezulu okanye ezantsi izibambiso ezixhaswa yi-mortgage-backed.Ezi ngokuchaseneyo ziqhuba amaxabiso emali-mboleko, kwaye le yingxaki.Amaxabiso e-Mortgage akhuphuka xa izinga le-Fed liyenyuka, kwaye iintlawulo zenyanga ziya kunyuka kwaye isixa sendlu onokuthi uhlawule amaconsi-kaninzi kakhulu.Oku sikubiza ngokucuthwa “kumandla okuthenga” omthengi.
Nika ingqalelo ukuba yindlu engaphezulu kangakanani na onokuyihlawula ngenzala ephantsi yemali-mboleko.
Ezinye izinto ezichaphazela izinga leFed elikhulayo ziquka imarike yabasebenzi-enokuthi iyenze ibe lula.Xa i-Fed izama ukucothisa uqoqosho ngokunyusa amaxabiso, oku kudla ngokubangela ukungabikho kwemisebenzi eyongezelelweyo.Abantu banokufumana inkuthazo entsha yokufumana umsebenzi kwenye indawo xa oko kusenzeka.
Ngenxa yokuba amaxabiso emali-mboleko enyuka kunye nezinga le-Fed, ezinye iiprojekthi zokwakha zinokufumana imiba ebalulekileyo enxulumene nokuvalwa kunye nokuxhaswa ngemali.Inkqubo yokubhala phantsi ingadala umonakalo ukuba ababoleki abanalo ireyithi etshixiweyo kwangaphambili.
Nceda uthathele ingqalelo amagatya okunyuka.
Ingaba iRhafu ye-FED ilichaphazela njani i-Inflation?
Abantu banokwenza imali kuqoqosho oluqinileyo ngokukhawuleza kunokuba xa benoqoqosho olubuthathaka, kuba izinga le-Fed elikhulayo linciphisa izinto.Asikuko ukuba abafuni ukuba wenze imali, kukuba abafuni ukuba amaxabiso abathengi anyuke ngokukhawuleza ngaloo ndlela baphuma kulawulo.Ngapha koko, akukho mntu ufuna ukuhlawula i-200 yeedola ngelofu yesonka.NgoJuni ka-2022, sibone ukonyuka kwamaxabiso okunyuka kweenyanga ezili-12 (9.1%) ukusukela kwithuba leenyanga ezili-12 eliphela ngoNovemba ka-1981.
Abantu bafumanisa ukuba amaxabiso anokunyuka ngokukhawuleza xa imali inokufumaneka lula.Kungakhathaliseki ukuba uyavumelana nale nto, i-Fed iphakamisa isebenzisa ulawulo lwayo kwizinga eliphambili lokulwa nalo mkhwa.Ngelishwa, bathanda ukurhoxa ekunyukeni kwabo kwinqanaba kwaye esi senzo sihlala sihlala ixesha elide.
Indlela yokuNyuka kweNtlawulo ye-FED ekuchaphazela ngayo ukuQeshwa
Izibalo zibonisa ukuba ukuqesha kudla ngokufumana ukonyuswa kwireyithi yeFed enyukayo.Ukuba ishishini lakho lokwakha likwimo entle yezemali, ukonyuka kwezinga leFed kunokukunceda ukuba uqeshe abantu abaninzi.Abasebenzi abanokubakho abayi kuba neendlela ezininzi zokukhetha xa i-FED icotha uqoqosho kwaye icotha ukuqesha.Xa uqoqosho oluqinileyo lusenza kube lula ukusebenza, unokufuna ukuhlawula i-$ 30 ngeyure kumfana omtsha ongenamava.Xa amaxabiso enyuka yaye imisebenzi inqabile emarikeni, kwaloo msebenzi mnye ufumana umsebenzi ngee-$18 ngeyure—ingakumbi kwindawo apho aziva exabisekile.
Bukela Loo Makhadi Ngetyala
Ityala lexeshana elifutshane lichatshazelwa lizinga leFed kakhulu, kwaye amaxabiso ekhadi letyala adityaniswe ngokuthe ngqo kulo ngereyithi yokuqala.Ukuba usebenzisa ishishini lakho kwikhadi lakho letyala kodwa ungalihlawuli nyanga zonke, iintlawulo zakho zenzala ziya kulandela ezo zixa zinyukayo.
Nceda ujonge iimpembelelo kwishishini lakho nokuba unako na ukuhlawula elinye letyala lakho xa iireyithi zinokwenyuka.
Ixesha lokuposa: Jun-21-2023