I-Federal Reserve inyuse amazinga enzala ngamanqaku angama-50 esiseko, kwaye ixabiso le-coke liza kunyuswa kumjikelo wesine. Ngaba amaxabiso entsimbi aza kunyuka kakhulu?

Unyaka ka-2022 ungene kwinyanga ephelileyo, kwaye amaxabiso entsimbi yasekhaya abonakalise "ukubuyela umva kwexesha elingekhoyo" ukusukela ngoNovemba. Iindaba zasekhaya ezinkulu kule veki zilula, kwaye ingqwalasela yemarike ikakhulu ikukunyuka kwenzala yeFed yaphesheya. Isalathisi sokunyuka kwamaxabiso e-US i-CPI ngoNovemba, esandula ukubhengezwa ngokuhlwa kwe-13 kaDisemba, sehle ngaphezu kokuba bekulindelwe, nto leyo eyandisa ulindelo lwemarike lokunyuka kwamanani e-Fed angama-50 basis point kule nyanga. Ichatshazelwe yile mpembelelo intle, amasheya ase-US anyukile, amaxabiso eoyile anyuka, kwaye amasheya amaninzi anyusiwe ukuya kuthi ga kwinqanaba elithile.
(Ukuze ufunde okungakumbi ngempembelelo yeemveliso ezithile zentsimbi, ezifanaIbha ye-Angle yentsimbi eneHole, ungazive ukhululekile ukunxibelelana nathi)
Ukususela kwisiqingatha sesibini sowama-2022, indawo yokuthengwa komhlaba yeenkampani eziphambili zezindlu zasekhaya ezili-100 kunye nendawo yokwakha izindlu ezintsha zombini zehle ngaphezulu kwama-45%. Ngokwale mbono, ukusetyenziswa kwentsimbi kushishino lwezindlu kuya kuqhubeka kugcina inqanaba eliphantsi kwisiqingatha sokuqala sonyaka ozayo. Oku kuya kuba yinto ebalulekileyo echaphazela indawo yokugcina izinto ebusika kulo nyaka.
(Ukuba ufuna ukwazi okungakumbi ngeendaba zoshishino kwiIbha ye-Angle yentsimbi efakwe i-slotted, ungaqhagamshelana nathi nangaliphi na ixesha)
Okwangoku, uluhlu lwempahla yentsimbi yoluntu luye lwaphantsi kakhulu kwiminyaka yakutshanje. Oko kukuthi, nangona unyaka usondela, uluhlu lwempahla yentsimbi olusezandleni zabarhwebi bentsimbi alukho kangako. Ngokwengqiqo eqhelekileyo, abarhwebi bentsimbi kufuneka bazalise uluhlu lwabo kwaye bathathe inxaxheba ngokukhutheleyo ekugcinweni kwentsimbi ebusika. Kutheni le nto intsimbi ingenamdla Ngaba abarhwebi abazimisele ukuyigcina le mpahla ebusika?
Okokuqala, amaxabiso entsimbi yasekhaya aphinde anyuka kangangenyanga, kwaye ixabiso lisondela kumanqaku angama-4,000 eeyuan. Abathengisi bentsimbi bakholelwa ukuba akukho ndawo ingako yokufumana inzuzo kwimarike yentsimbi emva konyaka; Emva koMnyhadala weNtwasahlobo, imfuno yeemveliso zentsimbi ayinakukhutshwa ngobuninzi. Abathengisi abaninzi bentsimbi bathi ukuba baya kugcina isitokhwe ekupheleni konyaka kuxhomekeke kumgaqo-nkqubo wamaxabiso eefektri zentsimbi zokugcina izinto ebusika.
(Ukuba ufuna ukufumana ixabiso leemveliso ezithile zentsimbi, ezifanaIifektri ze-Angle Bar ezifakwe kwi-Slotted, ungaqhagamshelana nathi ukuze ufumane isaphulelo nangaliphi na ixesha)
Ukunyuka kwamanani e-50 basis point yi-Fed phantse kuqinisekile, kodwa ingxelo yamagosa e-Fed iya kutsala ingqalelo engakumbi, ingakumbi emva kokunyuka kwamaxabiso, i-Fed iya kuqhubeka ixesha elingakanani inyusa amazinga enzala? Ngaba ukunyuka kwamanani enzala kuya kuqhubeka nokunyuka? Intetho ye-hawkish okanye ye-dovish yamagosa e-Federal Reserve iya kutsala ingqalelo engakumbi, kwaye iya kumisela nomkhwa wamaxabiso wexesha elifutshane, oya kunyusa ukuguquguquka kwamaxabiso entsimbi ukuya kwinqanaba elithile. Ukuba imakethi itolika oku ngendlela ecacileyo, iya kunyusa ulindelo lwemarike kwaye inyuse iimpahla, nto leyo eya kunceda amaxabiso entsimbi.
Lilonke, imakethi yangoku ineethemba ezintle kakhulu kuyo. Kwangaxeshanye, phantsi kohlengahlengiso lwangoku lomgaqo-nkqubo wokuthintela nokulawula ubhubhane, iithemba zokubuyiselwa kwemfuno emva kweeseshoni ezimbini kunyaka olandelayo nazo ziyaqina rhoqo. Ke ngoko, kusekho umdla omkhulu wamaxabiso eediski. Kwangaxeshanye, ngokwembono yeziseko zobonelelo kunye nemfuno, nangona uxinzelelo lokuhla kwemfuno ngexesha lokungabikho kwexesha lusekho, ngokwembono yokusebenza kwempahla, ukungqubana akubonakali, kwaye ezinye izixhobo zemarike zengingqi zinqongophele, abarhwebi kunye neefektri zentsimbi banomnqweno omkhulu wokunyusa amaxabiso, kwaye amaxabiso entsimbi ayaguquguquka. Kunzima ukunyuka nokuhla, kwaye kulindeleke ukuba kubekho indawo yophando olongezelelweyo.