Nhungamiro yeNyika Itsva Iko Guru, Federal Federals Rate, uye Discount Rate
The Current Prime Rate
Chinonyanya kukonzera kuvhiringidzika pamusoro peState Reserve (aka "Fed") uye chido chekuda, chinopindirana nehuwandu hwekuti ivo vari kutaura nezvei.
Iko kune zviyero zvitatu muU.S. zvinotyaira zvose zvese, kubva kubhisho inodzokera kune chikwereti chekwereti chido. Pakati peizvi, Federal Reserve ndiyo inotonga maviri chete (Federal Federals Rate uye Discount Rate).
Chiyero chechitatu, chinonzi Prime Rate , ndicho chiyero icho vanhu vazhinji vanofunga zvenhema kuti Fed inoshanduka. Muzvokwadi, iyi ndiyo imwe yega Fed inenge isina kutungamirirwa zvakananga pamusoro. Kunyangwe zvinoshamisa kune varairi vemazana ndeokuti izwi rokuti "prime rate" harisi kureva kune imwe yero. Izwi iri rinongoreva mabhengi emitengo anopa vashandi vavo vanonyanya kukopa mari. Ichi chiyero chinogona uye chinopesana zvishoma kubva kubhangi kusvika kubhangi uye chinogona kuchinja zvakananga sezvo Fed inoshandura imwe mhando mbiri dzemitengo.
Kunyange zvazvo purogiramu yemazuva ano iripo yakasiyana kubva kubhangi kusvika kubhangi, iwe unowanzotarisa kamwe chete purogiramu yenhamba yakanyorwa mupepa. Kazhinji kazhinji, iyi inhamba yeWall Street Journal Prime Rate, iyo inoreva kuti inomiririra mari yega yega yebhangi pamazuva ose.
Iyi nhamba ndiyo inonyatsobatanidzwa nehuwandu huripo hwemotokari, imba, kana chikwereti chekwereti chekwereti.
The Federal Funds Rate
The Federal Funds Rate, inozivikanwawo seOvernight Rate, ndiyo iyo iyo mabhengi anokweretesa mari yavo kuFederal Reserve kune mumwe nomumwe. Chikonzero icho Fed inofambisa chikwereti ichi ndechokubatsira mabhangi kusangana nemirairo yavo yekuchengetedza zvido.
Nokurega mabhengi achikweretana kune mumwe, E Fed inopawo mukana wemabhangi ane zvakasara kuti kuwedzere kudzoka kwavo pamari yavo.
The Federal Discount Rate
The Federal Discount Rate ndiyo iyo bhanhire rinogona kukwereta zvakananga kubva kuGerald Reserve (kunze kwekukweretesa kubva kune mumwe nemumwe). Izvi zvinowanzokwirira kupfuura Federal Funds Rate sezvo Fed inoda kukurudzira mabhengi kuti akwererane kubva kune mumwe asati abhadhara kubva kuGeral Reserve Reserve.
Migumisiro Yakawanda yeKushandura Kwemari
Kunyange zvazvo zvizere zvakagadziriswa zvechirongwa chechidimbu (kazhinji zvinowanikwa muchina-yezana yezvimwe zvinowedzera) zviri kunze kwehuwandu hwechinyorwa ichi, mutevedzo wekutevedza uri nyore nyore. Apo Federal Reserve inotadzisa chikwereti, inotadzisa mabhenji kupa mari kuvashambadziri vavo asiwo kusundira pasi chido chezvibereko pamari yemari yemakambani uye nhengo itsva kana ma CD. Izvo zvekare, inowanzoendesa mari kumushamba wekutengesa uye inoita kuti nyaya dzehutano dziripo dziwedzere kunakidza.
Kusiyana neizvi, apo Federal Reserve inomutsa huwandu, inoita kuti zvive nyore kuti mabhangi ape chikwereti mari kune vashandi kuti vashandise mune zvehupfumi, pamwe nekusimudza misika yemari uye itsva yehutano hwehutano. Izvo, zvakare, inodzikisa pasi pasi pamusika wekutengeswa uye zviripo zvisungo.
Federal Reserve Changes uye Your College Fund
Kana iwe uchangobva kuisa mari yako yekolishi muzvikamu zvenguva pfupi, zvishoma zvisingabatsiri, mukana wekucheka uchaderedza zvishoma iwe mukana wako wekudzoka, asi zvichida hauisa mungozi yako yekushambadzira kwepakutanga. Kana iwe uri muzvikwereti zvemazuva mazhinji, chiyero chakatemwa chinowanzoita kuti ugadzikane kana kuwedzera kwekukosha.
Kusiyana naizvozvo, vabereki avo vachangobva kutamisa mari yavo kune zvidimbu zvekutsvaga kwemari kwenguva shomanana vanobatsirwa zvishoma kubva pachikwereti. Vabereki vachangobva kuisa mari muzvisungo zvenguva refu kana zvikwata zvingangodaro vachinzwa kuderedzwa kwepasi uye kuwedzera kungozi yekurasikirwa zvimwe zvekutsvaga kwepakutanga kana vachifanira kutengesa nokukurumidza.