Ib lub tuam txhab nyiaj loj hauv Asmeskas txoj haujlwm tshiab yog txhawm rau pab cov neeg tsawg tsawg thawj zaug tau txais nyiaj los ntawm kev yuav tsev yam tsis muaj nyiaj them poob lossis kaw. Nws yog ib qho txiaj ntsig zoo rau cov neeg yuav khoom nyob rau lub sijhawm thaum nce cov paj laum thiab cov khoom muag hauv tsev qis tau teeb tsa lub lawj tawm tsam lawv.
Nws tseem yog qhov tseeb teb rau qhov kev thuam ntev ntev uas cov tsev txhab nyiaj nyiam cov neeg qiv nyiaj dawb.
Bank of America npaj phiaj xwm tau tshaj tawm hauv Los Angeles, Dallas, Detroit thiab Charlotte thiab tsom mus rau cov neeg zej zog feem ntau hauv cov nroog ntawd. Nws muab qiv nyiaj rau cov neeg yuav khoom tsawg yam tsis tas yuav them nqi, kaw cov nqi lossis nyiaj pov hwm ntiag tug (PMI), tus nqi ntxiv uas yog kev cai rau cov neeg yuav khoom uas txo qis dua 20% ntawm tus nqi yuav tsev.
Qhov tseem ceeb, qhov kev zov me nyuam tseem xav kom tsis muaj qhov qhab nia qis kawg nkaus, nrog rau kev tsim nyog tau tsom mus rau tus neeg qiv nyiaj cov ntaub ntawv khaws tseg ntawm cov nqi xauj tsev thiab cov nqi them txhua hli xws li cov nqi hluav taws xob thiab xov tooj. Ua ntej thov, cov neeg yuav khoom yuav tsum ua tiav chav kawm ntawv pov thawj tus neeg yuav khoom hauv tsev uas qhia lawv txog kev lav phib xaub thiab lwm yam kev xav.
Tab sis qhov kev txav mus los sai sai tau sib xyaw cov lus teb hauv online, raws li Bank of America (thiab lwm tus qiv nyiaj loj) tau raug thuam yav dhau los rau kev qiv qiv nyiaj - tshwj xeeb tshaj yog thaum qiv rau cov pab pawg tsawg.
Tsis nco
Tsis muaj nyiaj qiv nyiaj - kev txhawb nqa raws sijhawm
Rau cov neeg yuav khoom hauv Bank of America lub nroog xeem, cov nyiaj qiv tuaj rau lub sijhawm tseem ceeb.
Cov paj laum nce siab ua rau cov nqi qiv nyiaj kim dua thiab tsim kev poob qis rau cov qiv nyiaj kom ntseeg tau tias lawv cov nyiaj qiv yog qhov pheej hmoo-averse li sai tau. Bank of America qhov kev pab cuam yog txhais tau tias yuav ua txhaum los ntawm qhov no los ntawm kev tso cov neeg thov kev tsim nyog los ntawm kev them nqi qis, cov qhab nia qhab nia thiab cov nqi PMI.
Qhov ntawd txo qis ntau yam kev txwv rau kev nkag mus rau cov tswv tsev rau cov neeg yuav khoom hauv cov zej zog tawm tsam kev qiv nyiaj hauv tuam txhab uas feem ntau nyiam cov neeg qiv nyiaj dawb.
"Kev ua tswv tsev txhawb nqa peb cov zej zog thiab tuaj yeem pab tib neeg thiab tsev neeg los tsim kev nplua nuj nyob rau lub sijhawm," said AJ Barkley, Bank of America tus thawj coj ntawm zej zog thiab qiv nyiaj hauv zej zog.
Cov tswv tsev ntawm cov tsev neeg dawb yog 72.1% hauv xyoo 2020, raws li cov ntaub ntawv National Association ntawm cov vaj tse - piv rau 51.1% rau Hispanic thiab 43.4% rau cov tsev neeg Dub.
Thiab cov neeg qiv nyiaj dub raug tsis kam lees ntawm ob zaug ntawm tus nqi qiv nyiaj tag nrho, raws li a tsab ntawv ceeb toom tsis ntev los no los ntawm LendingTree.
Bank of America txoj kev npaj ntxiv rau nws $15 billion program uas muab kev pab them nqi kaw thiab kev them nqi qis rau cov neeg yuav khoom qis dua thiab lwm qhov kev pib tsom los muab $ 15 nphom hauv kev qiv nyiaj rau cov neeg tau nyiaj tsawg mus rau nruab nrab cov neeg yuav khoom mus txog nruab nrab xyoo 2027.
Qhov kev pheej hmoo ntawm kev ncaj ncees
Txawm li cas los xij, cov neeg thuam ntawm qhov kev zov me nyuam tau taw qhia sai tias nws tuaj yeem thim rov qab thiab muaj feem cuam tshuam rau cov zej zog uas nws tau tsim los pab.
Xyoo 2008 Housing Crisis - uas tau tsav hnyav los ntawm kev pheej hmoo qiv nyiaj rau cov neeg yuav khoom tsis tsim nyog - qhia cov lus qhia nyuaj rau cov qiv nyiaj uas tau daig nrog cov tsev raug kaw tom qab cov neeg yuav khoom tsis them nyiaj rau cov khoom uas lawv tsis muaj peev xwm them taus.
Cov txiaj ntsig tau ua rau muaj kev puas tsuaj loj: Cov qiv nyiaj tau txais cov tsev nyob ze thiab cov neeg yuav khoom pom lawv cov qhab nia credit tog.
Nws zoo li tsawg kawg qee tus neeg qiv nyiaj hauv Bank of America txoj haujlwm tshiab yuav raug suav tias yog "subprime" raws li cov cai qiv nyiaj zoo tib yam - nco txog hnub phem tshaj plaws ntawm kev kub ntxhov xyoo 2008 thiab muab cov neeg thuam nrog cov ntsiab lus yooj yim tham. Piv txwv li, lub koom haum qiv nyiaj Experian, suav nrog cov qiv nyiaj nrog cov qhab nia ntawm 580 thiab 669 ua subprime.
Thiab thaum cov qhab nia credit tsis yog ib qho kev ntsuas qhov tseeb ntawm tus neeg yuav khoom lub hwj chim lossis kev muaj peev xwm them nyiaj raws sijhawm, cov neeg tawm tswv yim txhawj xeeb txog cov paj laum uas yuav tsum tau ua rau qhov qis qis uas tus qiv nyiaj tau teeb tsa tuaj yeem teeb tsa cov neeg yuav khoom tsawg.
Yuav nyeem dab tsi tom ntej
Cov tub ntxhais hluas Asmeskas nplua nuj tau poob kev ntseeg siab hauv khw muag khoom - thiab tau twv rau cov no 3 cov cuab tam hloov. Nkag mus rau tam sim no kom muaj zog tailwinds ntev
Los ntawm 2027, kev saib xyuas kev noj qab haus huv tuaj yeem raug nqi rau cov neeg Amelikas qhov nruab nrab ntawm $ 20,000 ib tug neeg
Inflation noj tam sim ntawm koj cov peev nyiaj? Nov yog 21 yam uas koj yuav tsum tau ua tsis txhob yuav ntawm lub khw muag khoom noj yog koj sim txuag nyiaj
Kab lus no muab cov ntaub ntawv nkaus xwb thiab yuav tsum tsis txhob muab txhais ua cov lus qhia. Nws tau muab yam tsis muaj kev lees paub ntawm txhua yam.
Tau qhov twg los: https://finance.yahoo.com/news/2008-over-again-bofa-offering-110000950.html