Umthombo wesithombe: CNBC

 

Isivuno sebhondi yase-US yeminyaka eyi-10 ikhuphuke yafinyelela ku-4.21% ngo-Okthoba 21, okuyizinga eliphezulu elisha kusukela ngo-Agasti 2007.

Ukuvunwa kwebhondi yase-US kube yikona okugxilwe kukho ezimakethe zomhlaba, futhi ukunyuka okuphakeme kulo nyaka kuthathwe njengesignali yesixwayiso, okuholela ekuguquguqukeni okumangalisayo ezimakethe zezimali.

Yini ehlaselwe yiTerror mayelana nokuthuthukiswa kwale nkomba ukuthi imakethe ixokozele?

 

Kungani kufanele ngigxile kubhondi yase-US yeminyaka eyi-10?

Ibhondi yase-US iyibhondi ekhishwe uhulumeni wase-US, okuyi-promissory bill.

Igunyazwe uhulumeni wase-US futhi ithathwa njengempahla engenabungozi emhlabeni futhi ihlonishwa kakhulu.

Futhi izinzuzo esizibona kumabhondi ase-US empeleni zithathwe ezibalweni ezifanele.

Isibonelo, intengo yamanje yebhondi yase-US yeminyaka eyi-10 ngu-88.2969 futhi izinga lekhuphoni ngu-2.75%.Lokho kusho ukuthi uma uthenga le bhondi ngaleyo ntengo futhi uyibambe ifinyelele ekuvuthweni, imali engenayo yenzalo ingu-$2.75 ngonyaka, nezinkokhelo zenzalo ezimbili ngonyaka, futhi uma uyihlenga ngesikhathi sokuvuthwa ngentengo yekhuphoni, imbuyiselo yakho yonyaka ingu-4.219%.

Ngesikhathi esifanayo, isikweletu sesikhathi esifushane sase-US sisengozini kakhulu emithonyeni yezepolitiki neyemakethe, kuyilapho isikweletu sase-US sesikhathi eside asiqiniseki kakhulu futhi asivumelekile.

Ibhondi yase-US yeminyaka eyishumi iyona esebenza kakhulu kukho konke ukuvuthwa futhi iyisisekelo samazinga okuboleka amabhange, okuhlanganisa nezikweletu zezindlu, kanye nenzuzo kuzo zonke izinhlobo zezimpahla.

Ngenxa yalokho, isivuno sebhondi yase-US yeminyaka eyi-10 ibonwa kabanzi “njengenani elingenabungozi” elinquma isibopho esiphansi ekuvuthweni kwempahla futhi libhekwa “njengehange” lentengo yempahla.

Ukwenyuka okubukhali kwakamuva kwesivuno sebhondi yase-US kusaqhubeka kakhulu ngenxa yokuqhubeka nokukhuphuka kwezinga lenzalo ye-Federal Reserve.

Ngakho-ke buyini ngempela ubudlelwano phakathi kokwenyuka kwezinga lenzalo kanye nokukhuphuka kwesivuno sebhondi yoMgcinimafa?

Emjikelezweni wokwenyuka kwezinga: amanani ebhondi ahambisana eduze nokuvela kwezinga lokukhishwa.

Ukwenyuka kwezinga lenzalo kumabhondi amasha kuholela ekuthengisweni kwamabhondi amadala, ukudayiswa kuholela ekwehleni kwamanani ebhondi, futhi ukwehla kwamanani kuholela ekwenyukeni kwesivuno ekuvuthweni.

Ngamanye amazwi, izinga lenzalo elifanayo elalivame ukuthenga ngo-$99 manje selithenga ngama- $95.Kumtshali-zimali oyithenga ngo-$95, isivuno sokuvuthwa siyakhula.

 

Kuthiwani ngemakethe yezindlu?

Ukweqa kwesivuno kumabhondi ase-US yeminyaka eyi-10 kukhuphule amanani emali mboleko.

Umthombo wesithombe: Freddie Mac

 

NgoLwesine olwedlule, uFreddie Mac ubike ukuthi izinga lenzalo yemali ebolekiwe yeminyaka engu-30 likhuphuke lafinyelela ku-6.94%, lisongela ukwephula umgoqo obaluleke kakhulu ka-7%.

Umthwalo wokuthenga ikhaya usezingeni eliphezulu.Ngokusho kwe-Federal Reserve Bank yase-Atlanta, umndeni ojwayelekile wase-US manje kufanele uchithe ingxenye yemali engenayo ekuthengeni ikhaya, cishe ngokuphindwe kathathu eminyakeni emibili.

Ikhredithi yesithombe: Redfin

 

Uma kubhekwa lo mthwalo onzima ekuthengeni izindlu, ukuthengiselana kwezindlu kumile: Ukuthengiswa kwezindlu kwehle ngenyanga yesishiyagalombili ilandelana ngoSepthemba, futhi isidingo sempahla yendlu sehle safika ezingeni eliphansi kakhulu eminyakeni engu-25.

Kuze kube yilapho kuba noshintsho ekukhuphukeni kwamazinga emali mboleko, kunzima ukucabanga ukuthi imakethe yezindlu nezindlu iyasimama.

Ngakho-ke singenza isibikezelo samazinga emali mboleko kusuka ekuthuthukisweni kwesivuno seminyaka eyi-10 sikaMgcinimafa.

 

Sizofika nini phezulu?

Uma sibheka imijikelezo yomlando yokwenyuka kwezinga, isivuno sebhondi yase-US yeminyaka eyi-10 yeqe isilinganiso sokugcina sokukhuphuka esiqongweni somjikelezo wokwenyuka kwezinga.

Isakhiwo samachashazi somhlangano wesilinganiso sikaSepthemba siphakamisa ukuthi ukuphela komjikelezo wamanje wokukhuphuka kwezinga kuzoba cishe ku-4.5 - 5%.

Noma kunjalo, isivuno samabhondi ase-US weminyaka eyi-10 kusafanele sibe nendawo yokukhuphuka.

Ukwengeza, emijikelezweni yokwenyuka kwezinga lenzalo yeminyaka engama-40 edlule, isivuno samabhondi ase-US weminyaka eyi-10 ngokuvamile senyuke cishe ngekota ngaphambi kwenani lenqubomgomo.

Lokhu kusho ukuthi isivuno samabhondi ase-US weminyaka eyi-10 kuzoba ngeyokuqala ukuwa ngaphambi kokuthi i-Fed iyeke ukunyusa amanani enzalo.

Izilinganiso zezindlu ezibolekwayo nazo zizohlehlisa ukuthambekela kwazo okukhuphukayo ngaleso sikhathi.

 

Futhi manje kungase kube “ihora lobumnyama kakhulu ngaphambi kokuntwela kokusa.”