Ukuthi izinga le-FED elikhuphukayo lilithinta kanjani ibhizinisi lakho lokwakha

Ukuthi Izinga Le-FED Elikhuphukayo Likuthinta Kanjani Ukwakhiwa

Ngokusobala, izinga elikhulayo lokuphakelayo lithinta ikakhulukazi imboni yezokwakha kanye nezinye izimboni.Ngokuyinhloko, ukuphakamisa izinga le-Fed kusiza ukunciphisa ukwehla kwamandla emali.Njengoba lowo mgomo unomthelela ekusetshenzisweni kwemali okuncane nokongiwa okwengeziwe, empeleni unganciphisa imali ethile yokwakha.

Kukhona enye into i-Fed rate engayenza ukukhuphula amanye amanani aboshwe ngqo kuyo.Isibonelo, izinga le-Fed lithinta ngokuqondile amanani enzalo ekhadi lesikweletu.Iphinde yehlise noma phansi izibambiso ezisekelwa yi-mortgage.Lokhu ngokuphambene shayela amanani emali ebolekiwe, futhi lena inkinga.Amanani ezindlu ezibolekwayo akhuphuka lapho izinga le-Fed likhuphuka, futhi izinkokhelo zanyanga zonke zizokhuphuka kanye nenani lendlu ongakwazi ukulikhokhela lehla-ngokuvamile kakhulu.Lokhu sikubiza ngokuthi ukuncipha “kumandla okuthenga” omthengi.

Naka ukuthi ingakanani indlu ongakwazi ukuyikhokhela ngamanani enzalo emali ebolekiwe aphansi.

Ezinye izinto ezithinta izinga le-Fed elikhuphukayo zihlanganisa imakethe yezabasebenzi-okungase kwenze kube lula kancane.Lapho i-Fed izama ukunciphisa umnotho ngokukhuphula amanani, lokhu kuvame ukudala ukungasebenzi okwengeziwe.Abantu bangathola ugqozi olusha lokuthola umsebenzi kwenye indawo lapho lokho kwenzeka.

Ngenxa yokuthi amanani emali ebolekiwe akhuphuka nenani le-Fed, amanye amaphrojekthi wokwakha angahlangabezana nezinkinga ezibalulekile ezihlobene nokuvalwa nokuxhaswa ngezimali.Inqubo yokubhala ngaphansi ingadala umonakalo uma ababoleki bengenalo inani elikhiyiwe kusengaphambili.

Sicela ucabangele izigaba zokwenyuka.

I-FED Rate iyithinta kanjani i-Inflation?

Abantu bangenza imali emnothweni oqinile ngokushesha kunalapho bekhona emnothweni obuthakathaka, ngoba izinga le-Fed elikhulayo linciphisa izinto.Akukhona ukuthi abafuni ukuthi wenze imali, ukuthi abafuni amanani okuthenga akhuphuke ngokushesha ngaleyo ndlela baphuma ekulawuleni.Phela akekho ofuna ukukhokha u-$200 ngesinkwa.NgoJuni 2022, sibone ukukhuphuka kwamandla emali okuphezulu kakhulu kwezinyanga eziyi-12 (9.1%) kusukela esikhathini esiyizinyanga eziyi-12 esiphela ngoNovemba 1981.

Abantu bathola amanani entengo angakhuphuka ngokushesha lapho imali ingatholwa kalula.Kungakhathaliseki ukuthi uyavumelana nalokhu, i-Fed iphakamisa isebenzisa ukulawula kwayo phezu kwesilinganiso esiyinhloko ukuze imelane nalokho kuthambekela.Ngeshwa, bavame ukubambezeleka ekukhuphukeni kwezinga labo futhi lesi senzo ngokuvamile sihlala isikhathi eside kakhulu.

Ukuthi Izinga Le-FED Elikhuphukayo Likuthinta Kanjani Ukuqashwa

Izibalo zibonisa ukuthi ukuqasha ngokuvamile kuthola ukukhushulwa kusuka kuzinga le-Fed elikhuphukayo.Uma ibhizinisi lakho lokwakha lisesimweni esihle ngokwezimali, ukwenyuka kwezinga le-Fed kungase kukusize ukuqasha abantu abaningi.Abasebenzi abangaba khona ngeke babe nezinketho eziningi lapho i-FED ibambezela umnotho futhi yehlisa ukuqasha.Uma umnotho oqinile wenza ukusebenza kube lula, ungase udinge ukukhokha u-$30 ngehora kumfana omusha ongenalwazi.Lapho amanani enyuka futhi imisebenzi iba mbalwa emakethe, sona leso sisebenzi sithola umsebenzi obiza u-$18 ngehora—ikakhulukazi endimeni lapho sizizwa sibalulekile.

Buka Lawo Amakhadi Esikweletu

Isikweletu sesikhathi esifushane sithintwa inani le-Fed kakhulu, futhi amanani ekhadi lesikweletu aboshwe ngqo kuso ngenani eliyinhloko.Uma usebenzisa ibhizinisi lakho ngekhadi lakho lesikweletu kodwa ungalikhokhi nyanga zonke, izinkokhelo zakho zenzalo zizolandela lezo zilinganiso eziphakeme ezikhuphukayo.

Sicela ubheke imiphumela ebhizinisini lakho nokuthi ungakwazi yini ukukhokha esinye sesikweletu sakho uma amanani enyuka.