The Prime Rate-uye Nei Bhizimisi Risingambofi Richipa Kwauri

The Prime Interest Rate uye LIBOR

Mabhangi anowanzoshandisa chienzanidzo kuti avere kuwanda kwezvikwereti ivo vanodzokorora kuvaridzi vedzinesi maduku pamabhengi emabhengi akataurwa. Kazhinji kazhinji, iyo inofanirwa ndiyo inonyanya kufarira. Nhamba yepamusoro ndiyo mabhengi anotengesa avo vanonyanya kukoshesa mari, uye iyo inowanikwa mubhadharo yekodzero dzekambani yakatumirwa nevanenge 75 muzana yemabhanga makumi matatu makuru emarudzi. Mune zvimwe zviitiko, zvichienderana nebhizimisi uye mukweretesi, varidzi vebhizimisi vanogona kugoverwa chiyero chinoenderana nemafananidzi akafanana, London Interbank Offer (LIBOR).

The Prime Prime US

Iko inonyanya kufarira iyo inobatsira kumabhizimisi mashomanana nokuti mabhanji kazhinji anoshandisa iyo seyokutanga kubva pairi kuverenga chiyero chekuda kubhadhara pamabhengi emabhanki. Ivhareji mudiki webhandiro rebhizimisi rinowanzotarisa mabhengi achiwedzera mazana mapfumbamwe anokwana kusvika parizvino purogiramu. Mune mari yakaoma nguva, mabhizimisi maduku anogona kubhadhara mari yakakwirira. Inenge isinganzwisisiki yebhizimisi duku kuti ripiwe chikwereti pa prime rate.

Fixed vs. Variable

Iko kuwedzera kwekuwedzera kwakashandura zvikuru kupfuura nguva. MunaFebruary 1972, somuenzaniso, chikwata cheUnited States chakamira pa4,5 muzana. Iko kwakabva yatanga kuwedzera-kufanana-kwakafanana, kazhinji kuchinje kana chechina-point kana imwe hafu-mwedzi pamwedzi. Paiva nenguva iyo yakawa zvakare, asi kusvika kune imwe. Pakazosvika muna 1980 1980 mari yepamusoro yakamira pa21,5% inoshamisa-iyo nguva yose yakakwirira.

Rudzi urwu rwehutano uye huri pasi peshuwo yehuwandu hwekutsvaga huri kumira hunogona kukanganisa mabhizimisi maduku, kunyanya nokuti vanokwereta vachiita zvikwereti zvemazuva mashomanana zvema bhizinesi vanowanzoramba mabhizimisi maduku aine chikwereti chakasarudzwa, zvichiita kuti vazviise kune zvisingatarisirwi zvinodhura mari kana .

Sezvo mutemo wehurumende, inonzwisisika kune vadzidzisi vemabhizimisi maduku kuwana mukana wakatarwa munzvimbo yakaderera-kufarira, yakadai se "nguva yekutengesa" nguva yakatevera kukanganisa kwemari muna 2007. Kunyange zvazvo chido chezvikwereti pazvikwereti zvakatarwa zvikwereti zvinowanzova chikwata kana zviviri zvakakwirira kudarika chikwereti chakafanana nechirwere chinowirirana, kugamuchira zvishoma zvishoma zvakagadziridzwa zvinopa chivimbo uye kunodzivirira vashandi vebhizimisi kubva kumhando yekusimudzirwa yakawanikwa muma1970.

Ramba uchiyeuka kuti vadzidzisi vemazana emabhizimisi vakanga vasingabhadhara 21,5 muzana muna 1980; ivo kazhinji vaibhadhara kubva pa1 kusvika ku5 kubva muzana inotarisa zvimwe.

The LIBOR

Mabhizimisi maduku anobatanidzwa mune zvekutengesa / kutengeswa kunze kana mamwe mabasa epasi rose anogona kutarisana neRIBOR inhamba yehuwandu. Ichi ndicho chido cheusiku hwemusika wekambani yeLondon Eurodollar yezvikwereti. Iko inowanzoenda pamwe chete nehuwandu hwehuwandu, kunyange zvazvo pachiitiko chave chave chichiderera uye chinonyanya kuwedzera kupfuura chekutanga cheUnited States.

Kuwana Mutengo Wakanakisisa

Investopedia inokurudzira kutarisa chikwereti chako kubva munharaunda yebhangi. Ivo vanowanzopa mukana wakanaka kune mumwe munhu kwenguva yakareba mutengi ane maverengi akawanda pane mumwe munhu waakaita zvishoma kana kusina bhizinesi munguva yakapfuura. Iyowo pfungwa yakanaka, nzvimbo yacho inoratidza, kufunga nezvekutora zvikwereti dzimwe nguva apo misika iri pasi. Vashomanana vatengi vari kutsvaga zvikwereti panguva iyoyo, vachiita kuti mabanki awedzere kugadzirisa kupa mari inofadza kuitira kuwana bhizinesi rakawedzerwa.