Me yasa Babban Rate yake da mahimmanci a zukatan bankunan'?
10/10/2022
Asalin Babban Rate
Kafin Babban Mawuyacin Hali, ƙimar lamuni a Amurka an sami sassaucin ra'ayi, kuma kowane banki ya saita adadin lamuni na kansa ta hanyar la'akari da farashin kuɗi, ƙimar haɗari, da sauran dalilai.
A cikin 1929, Amurka ta shiga cikin Babban Bala'in - yayin da tattalin arzikin Amurka ya tabarbare, kasuwancin sun rufe da yawa, kuma kudaden shiga na mazauna ya ragu.
Don haka, rashin daidaituwa tsakanin wadata da buƙatun babban jari ya bayyana a kasuwa, kuma adadin kasuwancin da suka cancanci bashi da masu karɓar ƙima mai inganci ya ragu cikin sauri.Koyaya, sashin banki yana da rarar jari kuma yana buƙatar samun wurin saka hannun jari.
Domin kiyaye yawan lamuni, wasu bankunan kasuwanci sun fara rage darajar lamuni da gangan, wasu kamfanonin da ba su cancanta ba su ma an saka su cikin rukunin rancen da aka yi niyya, bankunan sun yi gasa don kwastomomin kamfanoni har ma sun fara ba da rangwamen kudin ruwa.
Sakamakon lissafin kuɗi na banki ya haifar da haɓakar kadarorin da ba sa aiki yayin da bankunan da ke da sarƙaƙƙiyar sarƙoƙi suka yi fatara, abin da ya ƙara ta'azzara koma bayan tattalin arziki.
Don hana gasa mai muni a tsakanin bankunan da kuma daidaita tsarin ajiyar kuɗi da kasuwar lamuni, Tarayyar Tarayya ta gabatar da matakai da yawa, ɗaya daga cikinsu shine babban adadin lamuni - Firayim Minista.
Wannan manufar tana ba da shawarar saita ƙima guda ɗaya don zama mafi ƙarancin riba don lamuni, kuma ya kamata bankuna su ba da rance akan ƙimar sama da wannan mafi kyawun ƙimar lamuni don daidaita tsarin kasuwa.
Ta yaya ake ƙididdige ƙimar Firimiya?
Ƙididdigar Ƙimar Lamuni (wanda ake kira LPR), ita ce adadin ribar da bankunan kasuwanci ke cajin lamuni ga abokan cinikinsu tare da mafi girman ƙimar kiredit - waɗannan masu karɓar bashi galibi wasu manyan kamfanoni ne.
A cikin 1930s, a yunƙurin na Wall Street Journal, an ƙididdige LPR ta hanyar yin la'akari da ƙididdige adadin 22-23 daga manyan bankunan kasuwanci 30 a Amurka, waɗanda aka zaɓa bisa ga ƙa'idodin ƙayyadaddun LPR na kasuwa, kuma ana buga su akai-akai. a cikin takarda edition na Wall Street Journal, da kuma wannan buga Prime Rate wakiltar ƙananan iyaka na duk lamuni rates a kasuwa.
Hanyar tantance ƙimar LPR ta samo asali ne sama da shekaru kusan tamanin: Asali, yawancin bankunan sun nakalto Ƙididdigar Asusun Tattalin Arziki na Tarayya (FFTR) lokacin da bankuna ke da babban ƴancin ƴancin daidaita yawan kuɗin ruwa.
A cikin 1994, duk da haka, Tarayyar Tarayya ta amince da bankunan kasuwanci cewa LPR za ta ɗauki nau'i na cikakken daidaitawa ga ƙimar kuɗin tarayya, tare da tsarin da ake nufi da Rate Rate = Ƙididdigar Asusun Tarayya + 300 tushe.
Wannan maki 300 madaidaicin ƙima ne, ma'ana cewa an ba da izinin yaɗuwar tsakanin Babban Rate da Kuɗin Kuɗi na Tarayya don ya ɗanɗana sama da ƙasa da maki 300.Yawancin lokaci tun 1994, wannan yaduwar ya kasance tsakanin maki 280 zuwa 320.
Tun daga shekara ta 2008, yayin da fannin banki ya zama mafi girma kuma yawancin bankunan suna da ikon sarrafa yawancin bankunan, adadin bankunan da aka jera don LPR ya ragu zuwa goma, wanda farashin LPR da aka buga a Wall Street ya canza lokacin da farashin farko ya canza. na bankuna bakwai sun canza.
Tare da ƙaddamar da wannan tsarin ƙididdiga, bankunan kasuwanci sun kusan rasa ikon kansu gaba ɗaya wajen daidaita ƙimar Firayim.
Me yasa zan damu da Babban Rate?
The Prime Rate, wanda Wall Street Journal ya buga, alama ce ta ƙimar riba a Amurka kuma ana amfani da ita azaman ƙimar tushe fiye da kashi 70% na bankuna.
Adadin riba akan lamunin mabukaci yawanci ana gina su akan wannan babban ƙimar, kuma lokacin da wannan ƙimar ya canza, yawancin masu amfani kuma za su ga canje-canjen ƙimar riba akan katunan kuɗi, lamunin auto, da sauran lamunin mabukaci.
Mun kawai ambata cewa lissafin Firayim kudi aka samu daga Tarayya Asusun Target Rate + 300 tushe maki, da kuma "Federal Asusun Target Rate" ne Fed ta "Interest" a booming kudi hikes wannan shekara.
Bayan da Fed ya haɓaka rates a karo na uku a cikin Satumba ta hanyar maki 75, ƙimar farko ta tashi zuwa 3% zuwa 3.25% kuma ya ƙara ƙarin 3% na ƙimar Firayim shine ainihin mafi ƙarancin halin yanzu don ƙimar lamuni a kasuwa.
Tushen hoto: https://www.freddiemac.com/pmms
A ranar alhamis, Freddie Mac ya ba da rahoton ƙayyadaddun adadin jinginar gidaje na shekaru 30 wanda ya kai 6.7% - sama da kiyasin mu na babban ƙimar.
Lissafin da ke sama ya kuma ba mu kyakkyawar fahimtar yadda tasirin hauhawar farashin ya kasance cikin sauri zuwa kasuwar jinginar gidaje.
Canje-canje a cikin ƙimar farko kuma za su sami ƙarin tasiri kai tsaye ga wasu lamunin gida, kamar lamunin lamunin daidaitacce, waɗanda ake daidaita su a kowace shekara, da Lamunin Daidaituwar Gida (HELOCs), waɗanda ke ɗaure kai tsaye ga ƙimar farko.
Bayan fahimtar "rayuwar da ta gabata" na ƙimar kuɗi, yana da ƙarin taimako a gare mu don saka idanu akan yanayin jinginar gida, kuma idan aka ba da manufofin ci gaba na Fed, masu saye gida tare da bukatun bashi ya kamata su fara da wuri don kauce wa rasa lokaci mai kyau don tabbatarwa. ƙananan ƙimar.
Sanarwa: AAA LENDINGS ne ya gyara wannan labarin;Wasu daga cikin hotunan an ɗauke su ne daga Intanet, ba a wakilta matsayin wurin kuma ba za a sake buga su ba tare da izini ba.Akwai haɗari a kasuwa kuma zuba jari ya kamata a yi hankali.Wannan labarin bai ƙunshi shawarwarin saka hannun jari na sirri ba, kuma baya yin la'akari da takamaiman manufofin saka hannun jari, yanayin kuɗi ko bukatun masu amfani ɗaya.Masu amfani yakamata suyi la'akari ko duk wani ra'ayi, ra'ayi ko ƙarshe da ke ƙunshe a nan ya dace da yanayinsu na musamman.Zuba jari daidai da haɗarin ku.
Lokacin aikawa: Oktoba-11-2022