Sida Qiimaha Dulsaarka ee maanta uu waxyar hoos ugu dhacay,
Dib-u-maalgelinta Maybea Doorasho Wacan
05/28/2022
Marka loo eego jadwalka sicirka maanta, 15-sano iyo 20-sano heerka dib-u-maalgelinta amaahda guryaha ayaa waxyar hoos u dhacay marka loo eego usbuucii la soo dhaafay, taasoo siisay fursado kaydin oo muhiim ah mulkiilayaasha guryaha oo ku xiran mid ka mid ah sicirrada muddada-gaaban.Si kastaba ha ahaatee, sicirka muddada 30-ka sano ayaa weli ka sarreeya 5%, markaa mulkiilayaasha guryaha ee doonaya inay dib u maalgeliyaan waxay noqon karaan kuwo kharash badan oo waxtar leh muddo gaaban.
Heerarka amaahda guryaha ee maanta waxay u ogolaataa deyn bixiyayaasha inay ku xidhaan qiime hoose.Amaah-qaatayaasha maamuli kara lacag bixin sare oo bille ah ayaa laga yaabaa inay tixgeliyaan inay ku xidhaan qiime muddo 15 sano ah, kaas oo sidoo kale hoos u dhacay.Qiyaasta 15-sano waxay bixin kartaa xitaa kaydinta dulsaarka amaah-bixiyeyaasha marka loo eego heerka muddada dheer.Mid kasta oo ay doortaan deyn-qaadayaashu, waxa laga yaabaa inay rabaan inay dhaqso u dhaqmaan halkii ay ka dambayn lahaayeen si ay u xidhaan qiime ka hor korodhka mustaqbalka.
Sidee ayay isku beddeshay qiimaha dayn-qaadista muddo ka dib?
Sida uu qabo Freddie Mac, heerka dulsaarka amaahda guryaha ee maanta aad ayuu uga hooseeyaa celceliska celceliska sanadlaha ee ugu sarreeya—16.63% sanadkii 1981. Faafida COVID-19 ayaa ku dhufatay dhaqaalaha adduunka oo dhan.Sannadka 2019 celceliska heerka dulsaarka 30-ka sano ee amaahda amaahda-go'an wuxuu ahaa 3.94%, halka 2021, celceliska heerka 30-sano ee amaahda-go'an uu ahaa 2.96%, celceliska sanadlaha ugu hooseeya 30 sano.
Hoos u dhaca taariikhiga ah ee heerka dulsaarka macneheedu waxa weeye in mulkiilayaasha guryaha leh amaahda laga bilaabo 2019 ama ka hor ay ogaan karaan kaydka dulsaarka ee muhiimka ah iyaga oo dib u maalgelinaya mid ka mid ah heerarka hoose ee maanta.Waa muhiim in la tixgeliyo kharashyada xidhitaanka sida qiimaynta, codsiga, asalka iyo kharashka qareenka marka la tixgelinayo deyn ama dib-u-maalgelin.Marka lagu daro heerka dulsaarka iyo qaddarka deynta, dhammaan arrimahan ayaa ku dari kara kharashka amaahda guryaha.
D Haddi udhaxeeya Heerarka Dulsaarka Amaahda ee go'an iyo la hagaajin karo
Marka Heerarka Dulsaarka Amaahda La-hagaajin Karo ay noqdaan kuwa aad caan u ah, deyn-qaadayaashu waa inay ogaadaan sida ay u saameeyaan kharashyada dulsaarka?
Deymaha amaahda ee heerka go'an waxba iskama beddelaan muddada daynta, laakiin waxay u muuqdaan inay ka sarreeyaan heerka hore ee heerka dulsaarka amaahda.
Heerarka ugu horreeya ee dulsaarka amaahda-qiimaha la hagaajin karo, ama ARMs, ayaa caadi ahaan ka hooseeya daynta-go'an.Laakin xilliga hordhaca ka dib, heerka ribada ee ARMs wuu isbedeli doonaa, waxaana laga yaabaa inuu si weyn u kordhiyo.Xilliyada hordhaca ah waxay kala duwanaan karaan dhowr bilood ilaa sanad ama dhowr sano.Muddada hordhaca ka dib, dulsaarka deymaha amaahda waxay ku salaysnaan doontaa tusmaynta uu cayimay dayn-bixiyuhu.ARM-yada waxaa laga yaabaa ama ma xaddidi karaan inta ay le'eg tahay heerka dulsaarka deyn-bixiyeyaasha.
Bayaan: Maqaalkan waxaa tafatiray AAA LENDINGS;Qaar ka mid ah muuqaallada ayaa laga soo qaaday internetka, booska goobta lama matalo oo dib looma daabici karo fasax la'aan.Waxaa jira khataro suuqa ku jira, maalgashiguna waa inuu taxaddaraa.Maqaalkani kama dhigna talada maalgashiga shakhsi ahaaneed, mana tixgalinayo ujeedooyinka maalgashiga gaarka ah, xaaladda maaliyadeed ama baahida isticmaalayaasha shakhsi ahaaneed.Isticmaalayaashu waa inay tixgeliyaan haddii ra'yi kasta, fikrado ama gabagabada halkan ku jira ay ku habboon yihiin xaaladdooda gaarka ah.Maalgashiga si waafaqsan khatartaada.
Waqtiga boostada: Meey-28-2022