UMar 17 • Amazwana eMakethe • Ukubukwa okungu-4191 • Amazwana Off Ngokwenza Incwadi Ngebhange Lombuso lase-Australia
Ngabe iReserve Bank yase-Australia izokwenzani emhlanganweni wabo olandelayo? Lesi isihloko esikhulu sengxoxo kulo lonke elase-Oz. Kusukela ematafuleni okudla kwasekuseni, kuya Emagumbini Ebhodi, kusukela Emabhange kuya Emahhovisi Ezindlu Ingxoxo isiphenduke izilinganiso zenzalo. I-Australia iyizwe labagembuli futhi ungakwazi ukubhukha ukuthi othile uzobhejwa ekuhambeni okulandelayo kwe-Reserve Bank.
Muva nje, kube nesihloko esimayelana nabathengi bezinketho kanambambili, okungeza Inketho Yezombangazwe Yezombangazwe, lapho ungenza khona ukutshalwa kwezimali komphumela wokhetho lwezepolitiki, izinqumo noma imiphumela yomthetho. Umbono othakazelisayo, kodwa ngesinye isikhathi.
Ngasekupheleni kuka-2011, i-RBA iqale ukwehlisa amanani okubili okulandelanayo, okukhuthaze izimakethe kanye nomnotho. Lokhu kukhuthazwa nakho kwaba nokubi; kwenyusa amanani ezindlu kanye nokwehla kwamandla emali kukhuphuke. Kuhlale kunezinhlangothi ezimbili zohlamvu lwemali. Noma yiliphi ibhange elikhulu kufanele libe i-juggler, lilinganise imiphumela yalokho elikwenzayo ukuze likhuthaze umnotho, libhekane nemiphumela yesikhathi esizayo izinqumo zalo ezingaba nayo noma inqubomgomo ezodinga ukuyiqala noma ukuyishintsha ukuze yenze ukulungisa.
I-Australia iyisibonelo esihle kakhulu, ukuthuthukiswa komnotho kusukela ekuncishisweni kwezinga ngo-2011 kwabonwa futhi kwazwakala ngokushesha. Ukwehliswa kwezinga ngokushesha kukhuthaza izimakethe zezindlu, abatshalizimali bemagange ukusizakala ngamanani aphansi kanye namazinga aphansi emali mboleko, babuyela emakethe ngobuningi. Bagcina benyuse amanani ezindlu, obekukuhle kumtshali-zimali, bekungekuhle kangako kumuntu ozimele ofuna ukuthenga ikhaya. Amabhange endawo abambe iqhaza ekukhuleni kwesidingo kanye nenani lemali ebolekiwe, nakuba i-RBA ingakayishintshi inqubomgomo yayo yesilinganiso.
Ngemuva kokuqala konyaka, iReserve Bank yanquma ukubamba inqubomgomo yayo yamanje yenzalo, ku-4.25%, lapho abahlaziyi bebelindele okunye ukwehla, hhayi ngenxa yezethembiso zebhange elikhulu, kodwa ngombono wosomnotho nabahlaziyi bezindaba. Esikhundleni sokusola abahlaziyi nosomnotho, izimakethe zivule i-RBA, zibasola. Iningi lamabhange e-Australia liyaqhubeka nokukhulisa amanani abo okuboleka imali, ngokuzimela; lokhu kwaphinde kwaba necala kwi-RBA nakuba bebengenalo iphutha.
Kamuva, abatshalizimali bezindlu ezithengiswayo bashiya imakethe, njengoba babengenayo isithakazelo ezindlini ezinamanani aphezulu, namazinga aphezulu emalimboleko. Abakushiya ngemuva kokuvuka kwabo yilokho kanye i-RBA kanye nomthengi kanye nomnotho ababengakufuni noma abakudingayo, amanani entengo ezindlu aphezulu, kanye namazinga aphezulu e-mortgage.
Imiphumela yocwaningo lwe-Westpac, olukhishwe kuleli sonto, igcizelela ubungozi bamanje emnothweni wase-Australia, ikakhulukazi emnothweni kanye nemakethe yezabasebenzi.
Imizwa yabathengi baseWestpac yehle ngamaphesenti amahlanu ngoMashi, isuka ku-101.1 ngoFebhuwari yaya kuma-96.1 ngoMashi. I-index manje yehle ngaphansi kwezinga ngo-Okthoba nyakenye, ngaphambi kokuthi iBhange Lombuso lehle kabili ngoNovemba nangoDisemba.
Lapho i-Index ingaphansi kwezinga le-100, abantu abanethemba lokuhle bangaphezu kwalabo abanethemba lokuhle.
Lokhu kungabi nathemba yikho umphumela wokuvuselela umnotho, kodwa i-RBA akusiyo okufanele ibambe iphutha, kodwa umphakathi ulindele futhi ucishe ufune ukuthi i-RBA yehlise amanani emhlanganweni wabo olandelayo. Sizobona ukuthi i-Reserve Bank iyakuvumela yini ukufunwa ngumphakathi noma yenza okulungele umnotho.
Australiainhlolovo ye-westpac
« UNobhala Wezezimali uGeithner Ukhuluma Nenhlangano Yezomnotho Ukubheka Ngokushesha E-Asia NgoMsombuluko Ekuseni »
Ukwenza Incwadi Ku-Australian Reserve Bank
UMar 17 • Amazwana eMakethe • Ukubukwa okungu-4191 • Amazwana Off Ngokwenza Incwadi Ngebhange Lombuso lase-Australia
Ngabe iReserve Bank yase-Australia izokwenzani emhlanganweni wabo olandelayo? Lesi isihloko esikhulu sengxoxo kulo lonke elase-Oz. Kusukela ematafuleni okudla kwasekuseni, kuya Emagumbini Ebhodi, kusukela Emabhange kuya Emahhovisi Ezindlu Ingxoxo isiphenduke izilinganiso zenzalo. I-Australia iyizwe labagembuli futhi ungakwazi ukubhukha ukuthi othile uzobhejwa ekuhambeni okulandelayo kwe-Reserve Bank.
Muva nje, kube nesihloko esimayelana nabathengi bezinketho kanambambili, okungeza Inketho Yezombangazwe Yezombangazwe, lapho ungenza khona ukutshalwa kwezimali komphumela wokhetho lwezepolitiki, izinqumo noma imiphumela yomthetho. Umbono othakazelisayo, kodwa ngesinye isikhathi.
Ngasekupheleni kuka-2011, i-RBA iqale ukwehlisa amanani okubili okulandelanayo, okukhuthaze izimakethe kanye nomnotho. Lokhu kukhuthazwa nakho kwaba nokubi; kwenyusa amanani ezindlu kanye nokwehla kwamandla emali kukhuphuke. Kuhlale kunezinhlangothi ezimbili zohlamvu lwemali. Noma yiliphi ibhange elikhulu kufanele libe i-juggler, lilinganise imiphumela yalokho elikwenzayo ukuze likhuthaze umnotho, libhekane nemiphumela yesikhathi esizayo izinqumo zalo ezingaba nayo noma inqubomgomo ezodinga ukuyiqala noma ukuyishintsha ukuze yenze ukulungisa.
I-Australia iyisibonelo esihle kakhulu, ukuthuthukiswa komnotho kusukela ekuncishisweni kwezinga ngo-2011 kwabonwa futhi kwazwakala ngokushesha. Ukwehliswa kwezinga ngokushesha kukhuthaza izimakethe zezindlu, abatshalizimali bemagange ukusizakala ngamanani aphansi kanye namazinga aphansi emali mboleko, babuyela emakethe ngobuningi. Bagcina benyuse amanani ezindlu, obekukuhle kumtshali-zimali, bekungekuhle kangako kumuntu ozimele ofuna ukuthenga ikhaya. Amabhange endawo abambe iqhaza ekukhuleni kwesidingo kanye nenani lemali ebolekiwe, nakuba i-RBA ingakayishintshi inqubomgomo yayo yesilinganiso.
Ngemuva kokuqala konyaka, iReserve Bank yanquma ukubamba inqubomgomo yayo yamanje yenzalo, ku-4.25%, lapho abahlaziyi bebelindele okunye ukwehla, hhayi ngenxa yezethembiso zebhange elikhulu, kodwa ngombono wosomnotho nabahlaziyi bezindaba. Esikhundleni sokusola abahlaziyi nosomnotho, izimakethe zivule i-RBA, zibasola. Iningi lamabhange e-Australia liyaqhubeka nokukhulisa amanani abo okuboleka imali, ngokuzimela; lokhu kwaphinde kwaba necala kwi-RBA nakuba bebengenalo iphutha.
Kamuva, abatshalizimali bezindlu ezithengiswayo bashiya imakethe, njengoba babengenayo isithakazelo ezindlini ezinamanani aphezulu, namazinga aphezulu emalimboleko. Abakushiya ngemuva kokuvuka kwabo yilokho kanye i-RBA kanye nomthengi kanye nomnotho ababengakufuni noma abakudingayo, amanani entengo ezindlu aphezulu, kanye namazinga aphezulu e-mortgage.
Imiphumela yocwaningo lwe-Westpac, olukhishwe kuleli sonto, igcizelela ubungozi bamanje emnothweni wase-Australia, ikakhulukazi emnothweni kanye nemakethe yezabasebenzi.
Imizwa yabathengi baseWestpac yehle ngamaphesenti amahlanu ngoMashi, isuka ku-101.1 ngoFebhuwari yaya kuma-96.1 ngoMashi. I-index manje yehle ngaphansi kwezinga ngo-Okthoba nyakenye, ngaphambi kokuthi iBhange Lombuso lehle kabili ngoNovemba nangoDisemba.
Lapho i-Index ingaphansi kwezinga le-100, abantu abanethemba lokuhle bangaphezu kwalabo abanethemba lokuhle.
Lokhu kungabi nathemba yikho umphumela wokuvuselela umnotho, kodwa i-RBA akusiyo okufanele ibambe iphutha, kodwa umphakathi ulindele futhi ucishe ufune ukuthi i-RBA yehlise amanani emhlanganweni wabo olandelayo. Sizobona ukuthi i-Reserve Bank iyakuvumela yini ukufunwa ngumphakathi noma yenza okulungele umnotho.
Australiainhlolovo ye-westpac
« UNobhala Wezezimali uGeithner Ukhuluma Nenhlangano Yezomnotho Ukubheka Ngokushesha E-Asia NgoMsombuluko Ekuseni »