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I-Prime Interest Rate kunye ne-LIBOR

Amabhanki asetyenziswa ngokubaluleka ukubala amaxabiso omyinge abacaphula kubani abashishini abancinane kwiimali-mboleko zebhanki ezicetywayo. Ngokuqhelekileyo, ukuba ibhonkmark iyinqanaba lentlawulo ebalulekileyo. Ixabiso lokubaluleka yiyiphi ibhanki ehlawulisa abathengi babo abathengi kakhulu, kwaye ireyithi yesiseko kwiimali-mboleko zenkampani ezithunyelwe nge-75 ekhulwini zeebhanki ezingama-30 ezinkulu. Kwezinye iimeko, kuxhomekeke kwishishini kunye nomboleki, abanini-shishini banokunikezelwa ngesilinganiso esekelwe kwibhonchmark efanayo, i-London Interbank Isilinganiselo (LIBOR).

I-Prime Prime Rate yase-US

Intlawulo yemali ebalulekileyo inxulumene namashishini amancinci kuba iibhanki ziyisebenzisa ngokubanzi njengendawo yokuqala apho kufuneka ukubala inani lentengo ekuhlawulelweni ngemali mboleko yebhanki. Umyinge omncinci umthengi wezorhwebo unokuhlala ehlala kwiibhanki zongeza iipesenti ezimbalwa kwizinga lokuqala lokuqala. Ngexesha elimisiweyo lemali, amashishini amancinci angafuneka ahlawule amazinga aphezulu. Kuphantse ukuba kungabonakali ukuba ishishini elincinci linikezelwe ngemali mboleko kwizinga lokuqala.

I-Fixed vs. Variable

Ixabiso lokubaluleka liye laguquke kakhulu kwixesha. NgoFebruwari 1972, umzekelo, izinga le-US premime rate limi kuma-4.5 ekhulwini. Kwaye kwaqala ukuphakama okunjengomtshangatshangiselo, ngokuqhelekileyo ukutshintsha i-quarter-point okanye ihafu yenyanga. Kwakukho amaxesha apho yawa kwakhona, kodwa kuphela kwiqondo. NgoDisemba 1980 ixabiso eliphambili limi kuma-21,5 ekhulwini-ephakamileyo.

Olu hlobo loluhlu kunye nesiseko sentsholongwane yentsingiselo yemali esimele imele ibe yonakalise amabhizinisi amancinci, ngokukodwa kuba ababolekisi abenza iimali-mboleko zeshishini elincinci ngokukhawuleza banqabile amashishini amancinci ngemali-mboleko emiselweyo, mhlawumbi bangazithoba kwiindleko zenzalo ezingenakunceda ukuba ixabiso lokuqala lithe .

Njengomgaqo jikelele, kuqiqeshwe ukuba abanikazi bamashishini abancinci bafumane isantya esinqununu kwindawo ephantsi-nzala, njengexesha "lokunciphisa ixesha" elilandelelwano lwezimali lwe-2007. Nangona ixabiso lomyinge kwiimali-mboleko ezichanekileyo ngokuqhelekileyo ziyi-point okanye ezimbini eziphezulu kuneemali-mboleko ezifanayo kunye nenani eliguquguqukayo, ukwamkela izinga elincinci elisezantsi libonelela ngokuqinisekileyo kwaye likhusela abanini-shishini belo hlobo lokunyuka kwamazinga abonakala ngawo-1970.

Qhubeka ukhumbule ukuba abanikazi bamashishini abancinci babengakhokheli i-21.5% ngo-1980; ngokuqhelekileyo babehlawula ukusuka kwi-1 ukuya kuma-5 amanqaku epesenti.

I-LIBOR

Amashishini amancinci abandakanyekayo kumazwe angaphandle / aphesheya kwempahla okanye ezinye iinkonzo zomhlaba wonke anokujongana nomyinge we-LIBOR. Le ntlawulo yenzalo yebusuku kwi-London Eurodollar yemarike yemali mboleko. Ngokuqhelekileyo ihamba ngokuthe ngqo kunye nenqanaba lokuqala, nangona imbali ibe yincinci kwaye iyancipha ngaphezu kwezinga le-US premium rate.

Ukufumana iNqanaba Elihle

Investopedia uncoma ukukhangela umboleko wakho kumbhanki. Basenokwenzeka ukuba banike umlinganiselo omhle kumthengi omdala kunye neengxelo ezininzi kunokuba umntu akwenzile nto okanye akukho shishini kwixesha elidlulileyo. Kwakhona ingcinga efanelekileyo, isayithi licebisa, ukuqwalasela ukuthatha imali mboleko ngamanye amaxesha xa kuthengiswa imarike. Abancinci abathengi bafuna iimali-mboleko ngelo xesha, ukwenza amabhanki angenakho ukufumana amaxabiso afanelekileyo ukuze athenge ibhizinisi elongezelelweyo.