logo
logo logo
المرصد الرياضية

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؟
2 سنة 0 2
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".
التعليقات (0)

التعليقات مغلقة

MessagesRequestTimelineExceptionsViews9Queries8Models2Livewire0MailsGate
SettingsRequest history290msRequest Duration47MBMemory Usage10.x
Laravel Version
10.48.28
PHP Version
8.1.31
Environment
production
Debug Mode
Enabled
URL
new.al-marsd.com
Timezone
Asia/Riyadh
Locale
ar
GET article/{id}/{section_title?}/{title?}/{comment_id?}
status
200 OK
full_url
https://new.al-marsd.com/article/158382/%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AF/%D9%85%D8%A7%D8%B0%D8%A...
action_name
article.show
controller_action
App\Http\Controllers\Web\ArticleController@show
Theme
Open Button Position
Hide Empty Tabs
Autoshow
Reset to defaults
    status
    200 OK
    full_url
    https://new.al-marsd.com/article/158382/%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AF/%D9%85%D8%A7%D8%B0%D8%A...
    action_name
    article.show
    controller_action
    App\Http\Controllers\Web\ArticleController@show
    uri
    GET article/{id}/{section_title?}/{title?}/{comment_id?}
    domain
    new.al-marsd.com
    controller
    App\Http\Controllers\Web\ArticleController@show
    file
    app/Http/Controllers/Web/ArticleController.php:37-73
    middleware
    web
    telescope
    View in Telescope
    duration
    291ms
    peak_memory
    50.5MB
    response
    text/html; charset=UTF-8
    request_format
    html
    request_query
    []
    request_request
    []
    request_headers
      0 of 0   
    array:24 [▼
  "x-https" => array:1 [▶
    0 => "1"
  ]
  "upgrade-insecure-requests" => array:1 [▶
    0 => "1"
  ]
  "sec-ch-ua-platform" => array:1 [▶
    0 => ""Windows""
  ]
  "sec-ch-ua-mobile" => array:1 [▶
    0 => "?0"
  ]
  "sec-ch-ua" => array:1 [▶
    0 => ""HeadlessChrome";v="129", "Not=A?Brand";v="8", "Chromium";v="129""
  ]
  "cache-control" => array:1 [▶
    0 => "no-cache"
  ]
  "pragma" => array:1 [▶
    0 => "no-cache"
  ]
  "cdn-loop" => array:1 [▶
    0 => "cloudflare; loops=1"
  ]
  "connection" => array:1 [▶
    0 => "Keep-Alive"
  ]
  "user-agent" => array:1 [▶
    0 => "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)"
  ]
  "accept" => array:1 [▶
    0 => "text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3;q=0.7"
  ]
  "cf-connecting-ip" => array:1 [▶
    0 => "3.134.83.74"
  ]
  "sec-fetch-site" => array:1 [▶
    0 => "none"
  ]
  "sec-fetch-mode" => array:1 [▶
    0 => "navigate"
  ]
  "cf-visitor" => array:1 [▶
    0 => "{"scheme":"https"}"
  ]
  "sec-fetch-user" => array:1 [▶
    0 => "?1"
  ]
  "sec-fetch-dest" => array:1 [▶
    0 => "document"
  ]
  "x-forwarded-proto" => array:1 [▶
    0 => "https"
  ]
  "cf-ipcountry" => array:1 [▶
    0 => "US"
  ]
  "accept-encoding" => array:1 [▶
    0 => "gzip, br"
  ]
  "priority" => array:1 [▶
    0 => "u=0, i"
  ]
  "host" => array:1 [▶
    0 => "new.al-marsd.com"
  ]
  "x-forwarded-for" => array:1 [▶
    0 => "3.134.83.74"
  ]
  "cf-ray" => array:1 [▶
    0 => "922135dc8a9f86f8-ORD"
  ]
]
    request_cookies
    []
    response_headers
      0 of 0   
    array:3 [▼
  "content-type" => array:1 [▶
    0 => "text/html; charset=UTF-8"
  ]
  "cache-control" => array:1 [▶
    0 => "no-cache, private"
  ]
  "date" => array:1 [▶
    0 => "Tue, 18 Mar 2025 02:13:22 GMT"
  ]
]
    session_attributes
      0 of 0   
    array:2 [▼
  "_token" => "6SWPSkKoR28eU76e79VWmTF1K0QumrND3iKxeyiI"
  "flasher::envelopes" => []
]
    • Booting (148ms)time
    • Application (142ms)time
    • Routing (3.79ms)
    • Preparing Response (88.17ms)
    • View: web.singleviews
    • View: web.components.metaviews
    • View: web.components.dateviews
    • View: web.components.social-sharingviews
    • View: components.smart-ad-componentviews
    • View: components.smart-ad-componentviews
    • View: web.layouts.masterviews
    • View: web.layouts.headerviews
    • View: web.layouts.footerviews
    • 1 x Booting (51.08%)
      148ms
      1 x Application (48.91%)
      142ms
      1 x Preparing Response (30.4%)
      88.17ms
      1 x Routing (1.31%)
      3.79ms
      9 x View (0%)
      0μs
      9 templates were rendered
      • web.singlesingle.blade.php#?blade
      • web.components.metameta.blade.php#?blade
      • web.components.datedate.blade.php#?blade
      • web.components.social-sharingsocial-sharing.blade.php#?blade
      • components.smart-ad-componentsmart-ad-component.blade.php#?blade
      • components.smart-ad-componentsmart-ad-component.blade.php#?blade
      • web.layouts.mastermaster.blade.php#?blade
      • web.layouts.headerheader.blade.php#?blade
      • web.layouts.footerfooter.blade.php#?blade
      8 statements were executednew_mainnew_comments7.1ms
      • ArticleController.php#40new_mainConnection Established
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:40
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
      • ArticleController.php#40new_main2.14msselect * from `articles` where `status` = 1 and `articles`.`id` = '158382' and `articles`.`deleted_at` is null limit 1
        Bindings
        • 0: 1
        • 1: 158382
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:40
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
      • ArticleController.php#40new_main650μsselect `sections`.*, `article_section`.`article_id` as `pivot_article_id`, `article_section`.`section_id` as `pivot_section_id` from `sections` inner join `article_section` on `sections`.`id` = `article_section`.`section_id` where `article_section`.`article_id` in (158382) and `sections`.`deleted_at` is null
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:40
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:205
      • ArticleController.php#77new_commentsConnection Established
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:77
        • app/Http/Controllers/Web/ArticleController.php:70
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
      • ArticleController.php#80new_comments1.75msselect count(*) as aggregate from `comments` where `status` in (1, 2) and `article_id` = '158382' and `type` = 1 and `comments`.`deleted_at` is null
        Bindings
        • 0: 1
        • 1: 2
        • 2: 158382
        • 3: 1
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:80
        • app/Http/Controllers/Web/ArticleController.php:70
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
      • ArticleController.php#85new_comments490μsselect count(*) as aggregate from `comments_archive` where `status` in (1, 2) and `article_id` = '158382' and `type` = 1
        Bindings
        • 0: 1
        • 1: 2
        • 2: 158382
        • 3: 1
        Backtrace
        • app/Http/Controllers/Web/ArticleController.php:85
        • app/Http/Controllers/Web/ArticleController.php:70
        • vendor/laravel/framework/src/Illuminate/Routing/Controller.php:54
        • vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:43
        • vendor/laravel/framework/src/Illuminate/Routing/Route.php:260
      • helpers.php#441new_comments680μsselect count(*) as aggregate from `comments` where `status` in (1, 2) and `article_id` = 158382 and `comment_id` is null and `type` = 1 and `comments`.`deleted_at` is null
        Bindings
        • 0: 1
        • 1: 2
        • 2: 158382
        • 3: 1
        Backtrace
        • app/Helpers/helpers.php:441
        • app/Helpers/helpers.php:450
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/ComponentConcerns/RendersLivewireComponents.php:69
      • helpers.php#447new_comments520μsselect count(*) as aggregate from `comments_archive` where `status` in (1, 2) and `article_id` = 158382 and `type` = 1 and `comment_id` is null
        Bindings
        • 0: 1
        • 1: 2
        • 2: 158382
        • 3: 1
        Backtrace
        • app/Helpers/helpers.php:447
        • app/Helpers/helpers.php:450
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/ComponentConcerns/RendersLivewireComponents.php:69
      • header.blade.php#103new_main500μsselect * from `settings` where `name` = 'show_matches_section_main' limit 1
        Bindings
        • 0: show_matches_section_main
        Backtrace
        • view::web.layouts.header:103
        • vendor/laravel/framework/src/Illuminate/Cache/Repository.php:396
        • vendor/laravel/framework/src/Illuminate/Cache/CacheManager.php:429
        • view::web.layouts.header:104
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
      • header.blade.php#107new_main370μsselect * from `settings` where `name` = 'show_matches_section_sport' limit 1
        Bindings
        • 0: show_matches_section_sport
        Backtrace
        • view::web.layouts.header:107
        • vendor/laravel/framework/src/Illuminate/Cache/Repository.php:396
        • vendor/laravel/framework/src/Illuminate/Cache/CacheManager.php:429
        • view::web.layouts.header:108
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
      App\Models\Article
      1Article.php#?
      App\Models\Section
      1Section.php#?
          ClearShow all
          Date ↕MethodURLData
          #12025-03-18 05:13:23GET/article/158382/%D8%A7%D9%82%D8%AA%D8%B5%D8%A7%D8%AF/%D9%85%D8%A7%D8%B0%D8%A7-%D9%8A%D8%B9%D9%86%D9%8A-%D8%A7%D8%B1%D8%AA%D9%81%D8%A7%D8%B9-%D8%A3%D8%B3%D8%B9%D8%A7%D8%B1-%D8%A7%D9%84%D9%81%D8%A7%D8%A6%D8%AF%D8%A9-%D9%81%D9%8A-%D8%A3%D9%85%D8%B1%D9%8A%D9%83%D8%A7-%D9%88%D9%83%D9%8A%D9%81-%D8%B3%D9%8A%D8%A4%D8%AB%D8%B1-%D8%B9%D9%84%D9%89-%D8%AD%D8%B3%D8%A7%D8%A8%D8%A7%D8%AA-%D8%A7%D9%84%D8%A3%D9%81%D8%B1%D8%A7%D8%AF-%D9%88%D8%A7%D9%84%D9%82%D8%B1%D9%88%D8%B6-%D9%88%D8%A7%D9%84%D8%B9%D9%82%D8%A7%D8%B1%D8%A7%D8%AA982