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ناشر: تصميم وبرمجة الصحف الإلكترونية

ماذا يعني ارتفاع أسعار الفائدة في أمريكا؟ وكيف سيؤثر على حسابات الأفراد والقروض والعقارات؟

ماذا يعني ارتفاع أسعار الفائدة في أمريكا؟ وكيف سيؤثر على حسابات الأفراد والقروض والعقارات؟
صحيفة المرصد : كشفت كريستين رومانز، كبيرة مراسلي الأعمال في قناة CNN، كيف ستؤثر أسعار الفائدة المرتفعة على حسابات الأفراد والرهون العقارية وبطاقات الائتمان وقروض السيارات وقروض الطلاب وقروض الأعمال.

وقالت "رومانز" خلال تقرير مصور على قناة سي إن إن : " أن رفع الفائدة في أمريكا سيجعل اقتراض الأموال أكثر تكلفة بالنسبة للعائلات والشركات، فبعد سنوات من اقتراض مال بمعدل منخفض أصبحت الديون أكثر تكلفة الآن".

وتابعت أن رفع الفائدة يعني أيضاَ معدلات أعلى للرهون العقارية وبطاقات الائتمان وقروض السيارات وقروض الطلاب وقروض الأعمال حيث سيكلف ذلك أكثر".

وأضافت : فقد كان التأثير الدراماتيكي مثير بالفعل في الرهون العقارية، حيث قفز الرهن العقاري من معدل ثابت لمدة 30 عامًا إلى ما فوق 5٪ الأسبوع الماضي من أقل من 3٪ في شهر نوفمبر الماضي.

وأردفت : " المعدلات المنخفضة حتى الآن تغذي ارتفاع أسعار سوق الإسكان والآن الأمل على أن تخفض الفائدة العالية تلك الأسعار".

وواصلت : "هناك نقطة مضيئة أخرى لحسابات التوفير لسنوات حيث يكافئ الاقتصاد اقتراض الأموال وليس ادخارها .. ستبدأ حسابات التوفير في الكسب مرة أخرى ولكن قد يستغرق ذلك بعض الوقت". مشيرةً إلى أن "البنوك أبطأ في تمرير زيادات الفائدة إلى المدخرين أكثر مما تفرض معدلات أعلى على المقترضين".

واختتمت : "خلاصة القول إنه تحول كبير للمستهلكين الذين سيحتاجون إلى سداد القروض لتجنب ارتفاع التكاليف لتحملها".
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10.48.28
PHP Version
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Environment
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Debug Mode
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Timezone
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        • app/Helpers/helpers.php:450
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      App\Models\Article
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