I-Federal Reserve izonyusa amazinga enzalo ngamaphuzu ayisisekelo angu-50, kanti intengo ye-coke izokhuphuka emzuliswaneni wesine. Ingabe amanani ensimbi azokhuphuka kakhulu?

Unyaka ka-2022 ungene enyangeni edlule, futhi amanani ensimbi yasekhaya abonise ukuthambekela "kokubuyela emuva kwesizini engekho" kusukela ngoNovemba. Izindaba zasekhaya ezinkulu kuleli sonto zilula kakhulu, futhi ukugxila kwemakethe kugxile kakhulu ekunyukeni kwezinga lenzalo le-Fed yaphesheya kwezilwandle. Inkomba ye-inflation yase-US CPI ngoNovemba, esanda kumenyezelwa kusihlwa sangomhlaka-13 Disemba, yehle kakhulu kunokulindelekile, okwandisa kakhulu okulindelwe yimakethe kokunyuka kwezinga le-Fed ngamaphuzu angu-50 kule nyanga. Ethintwe yilo mphumela omuhle, amasheya ase-US akhuphuka, amanani kawoyela akhuphuka, futhi amasheya amakhulu akhushulwa ngezinga elithile.
(Ukuze ufunde kabanzi ngomthelela wemikhiqizo ethile yensimbi, njengeIbha Yensimbi Engange Enembobo, ungazizwa ukhululekile ukuxhumana nathi)
Kusukela engxenyeni yesibili ka-2022, indawo yokuthengwa komhlaba yezinkampani zezindlu zasekhaya eziyi-100 eziphezulu kanye nendawo yokwakha izindlu ezintsha kokubili kwehle ngaphezu kuka-45%. Kusukela kulo mbono, ukusetshenziswa kwensimbi embonini yezindlu kuzoqhubeka nokugcina izinga eliphansi engxenyeni yokuqala yonyaka ozayo. Lokhu kuzoba yinto ebalulekile ethinta indawo yokugcina izinto ebusika yalo nyaka.
(Uma ufuna ukwazi okwengeziwe ngezindaba zemboni ku-Ibha ye-Angle yensimbi enezimbobo, ungasithinta noma nini)
Njengamanje, uhlu lwezingcezu zensimbi zomphakathi belusezingeni eliphansi eminyakeni yamuva nje. Lokho kusho ukuthi, yize unyaka usondela, uhlu lwezingcezu zensimbi ezandleni zabadayisi bensimbi aluningi. Ngokomqondo ojwayelekile, abadayisi bensimbi kufanele bagcwalise uhlu lwabo futhi bahlanganyele ngenkuthalo ekugcineni insimbi ebusika. Kungani abadayisi bengazimisele ukuqongelela kulobu busika?
Okokuqala, amanani ensimbi yasekhaya akhuphuke isikhathi esingaphezu kwenyanga, futhi intengo isondela ku-4,000 yuan. Abadayisi bensimbi bakholelwa ukuthi ayikho indawo enkulu yenzuzo emakethe yensimbi ngemva konyaka; Ngemva koMkhosi waseNtwasahlobo, isidingo semikhiqizo yensimbi asikwazi ukukhishwa ngobuningi. Abadayisi abaningi bensimbi bathi ukuthi bazogcina amasheya ekupheleni konyaka kuncike enqubweni yentengo yemishini yensimbi yokugcina izinto ebusika.
(Uma ufuna ukuthola intengo yemikhiqizo ethile yensimbi, njengeAmafektri e-Slotted Angle Bar, ungaxhumana nathi ukuze uthole ikhotheshini nganoma yisiphi isikhathi)
Ukwenyuka kwezinga lamaphuzu angu-50 yi-Fed cishe kuqinisekile, kodwa isitatimende sezikhulu ze-Fed sizodonsela ukunaka okwengeziwe, ikakhulukazi ngemva kokuphakama kokwehla kwamandla emali, i-Fed izoqhubeka isikhathi esingakanani nokuphakamisa amazinga enzalo? Ingabe ukuphakama kwezinga lenzalo kuzoqhubeka nokwenyuka? Inkulumo ye-hawkish noma ye-dovish yezikhulu ze-Federal Reserve izodonsela ukunaka okwengeziwe, futhi izonquma nokuthambekela kwentengo yesikhashana, okuzokhulisa ukuguquguquka kwentengo yensimbi ngezinga elithile. Uma imakethe ichaza lokhu ngendlela ejulile, izoqhubeka nokuphakamisa okulindelwe emakethe futhi ikhulise izimpahla, okuzozuzisa amanani ensimbi.
Sekukonke, imakethe yamanje inamathemba amahle kakhulu ngayo. Ngesikhathi esifanayo, ngaphansi kokulungiswa kwenqubomgomo yokuvimbela nokulawula ubhubhane kwamanje, amathemba okubuyiselwa kwesidingo ngemuva kwemihlangano emibili ngonyaka ozayo nawo aqina njalo. Ngakho-ke, kusekhona isifiso esinamandla samanani ediski. Ngesikhathi esifanayo, ngokombono wezisekelo zokuhlinzeka kanye nesidingo, yize ingcindezi yokwehla kwesidingo ngesikhathi sokuphumula isekhona, ngokombono wokusebenza kwesitoko, ukuphikisana akubonakali, futhi ezinye izinsiza zemakethe zesifunda zilinganiselwe, abahwebi kanye nezimboni zensimbi banesifiso esinamandla sokuphakamisa amanani, futhi amanani ensimbi ayashintshashintsha. Kunzima ukukhuphuka nokwehla, futhi kulindeleke ukuthi kube nendawo yokuhlola okwengeziwe.