Shin ƙimar jingina za ta tashi? Shin bankunan suna canza halayen jinginar da aka yarda da shi idan farashin yana ƙaruwa? Ga manyan batutuwan da suka fito daga masu karbar rikon resonage bayan sanarwa na bankin.
Labarin Ranar: A ranar Juma'a, Maris 19 T.G. Babban bankin a karo na farko tun shekara ta 2018 ya karu mabuɗin ta 0.25% zuwa 4.5%.
Thearfin Bankin Rasha tare da sanarwa ta hanyar shugaban Babban Bankin Elvira Nabullina kai tsaye yana mai yiwuwa a jira karfin manufar kudi da kuma adon girma akan lamuni da adibas.
"... matsin hauhawar hauhawar farashin kaya ya karu, haɗarin haɗarin ya karu. A karkashin wadannan sharuɗɗan, za mu fara dawowa ga manufofin monetal. Wannan zai ba ku damar dawo da hauhawar farashin shekara zuwa ga burinmu na kusa da 4% a farkon rabin 2022, "in ji Mrs Elvira.
Wadancan. Makasudin da alama yana da kyau - don rage hauhawar farashin kaya. Kuma ku rage shi (idan kun faɗi kalmomi masu sauƙi), zaku iya, ba tare da ba 'yan ƙasa damar da damar kashe yawa ba. Don haka suna ƙaruwa da kudaden rance don haka an ɗauki ƙarancin rancen kuma kar a kashe. Da kyau, wannan fassarar kaina ce ta yaƙi da hauhawar farashin kaya.
Amma ga jinginar gida
Kamar yadda ya riga ya rubuta yadda ƙimar akan lamuni, wani, ba lallai ba ne a jera. Adadin ya ƙunshi farashin kuɗi don banki, farashin kuɗin banki na Bankin, farashin haɗari. Ana sauƙaƙe kuɗin kuɗi ta hanyar farashin ajiya. Bankuna suna jan hankalin adibas da rarraba su a cikin hanyar lamuni.
Kudi na ajiya tuni ya fara girma. Kun hadu, tabbas saƙonni da bayar da bankunan, zo, sanya kuɗi a gare mu, yanzu muna da kyawawan yanayi ga adibas.
Wadancan. Kudin kuɗi ya fara girma ko da kafin ƙara haɓakar ƙwallon ƙafa. Yanzu ya fara girma har ma sama.
Bayan farashin kuɗi ya girma, ƙimar akan lamuni zai yi girma. Kowa.
Af, zan ba da misalin bankin jihar na Rasha tarayya, wanda a ranar ta gabatar da kudaden jinginsa.
Duba, farashin ya kusan kusan duk shirye-shirye. Har ma a cikin jinginar gida tare da tallafin jihar. A lokaci guda, bankin har yanzu ya soke wasu ragi zuwa farashin.
Amma ga yanke shawara da aka yanke a baya, Bankin na Tarayyar Rasha ya rubuta masu zuwa:
"... Aikace-aikace da suka sami yanke shawara kan fl har zuwa 09.03.2021 suna da cikakken cikakken wadatar bayarwa daidai da shawarar ..."
Don haka, idan kun sami yarda, to farashin da yanayi zasu ci gaba da tsohon.
Af, shawarar, alal misali, a banki RF gidan, yana da inganci har sai Yuni na wannan shekara. Abin da yake so.
Yanzu, kamar yadda kuka gani daga tebur tare da sabon ƙididdigar, ragon kashi 8% a banki na gidan Tarayyar Rasha ba.
Amma ga sauran bankuna, halin da ake ciki shine kamar haka. Mafi sau da yawa, bankuna, kamar bankin na Rasha Tarayyar, ya ci gaba da yanke hukunci a baya. Amma yana faruwa. Akwai a cikin tarihinmu da yanayin da bankunan da bankunan suka canza duka tsoffin mafita.
Don haka sauri tare da yarjejeniya a gaban aikace-aikacen da aka yarda
Af, a wannan magana, wanda aka ba shi a farkon, Ms. Elvira ya ce mai zuwa:
"A yayin da ya kara da karuwa a kan karuwa na dogon lokaci a cikin farashin mallakar ƙasa, bankin Rasha don kula da ingancin matakan jingina don rancen lamuni masu lalata."
Wannan yana nufin cewa wataƙila za a sami buƙatun tsayayyen lamuni.
Wataƙila wannan ba shi da kyau cikin yanayin raunin matsin lamba akan farashin gidaje. Bayan haka, tare da jikoki mai rahusa da isasshen isa ga yawan jama'a, da buƙatar gidaje yana ƙaruwa, kuma idan farashin gida ya fara girma. Idan jinginar gida shine "lafiyayye", to, neman zai koma. Wannan zai haifar da ɗanɗanaddamar da farashin farashin gidaje, wanda a cikin shekarar bara suke girma cikin girma. Kuma ba wai kawai sabbin gine-ginen da ke adana su ba tare da jikoki mai rahusa tare da tallafin jihar, amma kuma gida biyu.
Ga misalin yadda farashin ya girma a cikin Odinintsosv.
Kuma wannan gidan na ainihi ne da abokina na so ya saya.
A wannan shekarar da farashin ya tashi daga saman 3.5 Miliyan Rabu !!!! Karl, miliyan 3.!! Wannan kusan kashi 15% na farashin farko ne.
Farashin wani ɗaki a cikin makonni 2 ya tashi da miliyan 5 rubles!
Kuma ta hanyar, farashin ba mafi arha baptents ...
Don haka ya tafi. Me kuke tunani? Yi imani da mafi kyawun makoma? Rubuta a cikin bayanan abin da zai karanta: Sobbank ya ba da izinin yin wani gida ne kawai don ma'aurata ɗaya ba tare da aikace-aikacen kwangila na aure ba don jingina. Abubuwan buƙatun bankuna don aiki da ƙwarewa don gida gida a cikin jinginar gida a sakandare. Me ake bayarwa bankunan. Ina ne mafi arha? Af, an samar da ƙungiyar sati daya da suka gabata, idan kun ga cewa kudaden ya canza, ku rubuto mana