(Bloomberg) - Feem pua ntawm cov neeg siv khoom hauv Asmeskas tau them tsawg kawg $ 1,000 ib hlis rau lawv lub tsheb tau nce mus rau cov ntaub ntawv, ntxiv rau kev txhawj xeeb tias cov neeg qiv nyiaj yuav tau txais los ntawm lawv lub taub hau.
Feem ntau Nyeem los ntawm Bloomberg
Yuav luag 16% ntawm cov neeg siv khoom siv nyiaj txiag tshiab hauv lub quarter thib plaub tau them nyiaj txhua hli mus txog qib ntawd, nce los ntawm 10.5% ib xyoo dhau los, raws li cov ntaub ntawv sau los ntawm Edmunds.com Inc., tus muab cov ntaub ntawv ntawm kev lag luam tsheb. Qhov feem ntawm cov tswv tsheb them ntau npaum li ntawd tsuas yog 6.7% hauv lub quarter thib plaub ntawm 2020.
Cov nqi tsheb siv tau qis dua ob peb lub hlis dhau los, thiab cov tsev txhab nyiaj tau ceeb toom txog qhov teeb meem ua ntej hauv kev qiv tsheb pib - qhov muaj peev xwm ntawm cov nyiaj qiv tsis tau them, ua raws li cov nyiaj rov qab - yog tias cov neeg siv khoom tshuav nqi ntau dua li lawv lub tsheb muaj nqis. Nyob rau lub sijhawm no, cov nuj nqis pib nce ntxiv thiab qhov nruab nrab tus nqi tsheb tshiab tau nce mus rau cov ntaub ntawv yuav luag $ 50,000.
Phab ntsa Street tuav nws ua pa raws li qhov kev hem thawj ntawm kev lag luam poob qis, uas muaj peev xwm ua rau cov neeg qiv nyiaj thiab cov qiv nyiaj raug mob. Cov nyiaj qiv nyiaj zoo hauv Asmeskas tau nce mus rau $ 1.52 trillion hauv peb lub hlis twg ntawm 2022, nce los ntawm $ 1.44 trillion ib xyoos ua ntej, thaum tseem tshuav me ntsis qis dua cov tub ntxhais kawm qiv nyiaj thiab qis dua cov nuj nqis qiv, uas tag nrho yuav luag $ 11.7 trillion, raws li Tsoom Fwv Teb Chaws Reserve Bank. ntawm New York.
Kev kis thoob qhov txhia chaw yog lub sijhawm zoo rau kev muag khoom ntawm ob qho tib si siv thiab tsheb tshiab, "tab sis raws li peb tau hloov mus rau ib puag ncig nrog cov nqi siv tsheb poob qis thiab nce cov paj laum nyob rau ob peb lub hlis dhau los, cov neeg siv khoom tau dhau los tsis tshua muaj kev cuam tshuam los ntawm cov kev txiav txim siab qiv nyiaj uas pheej hmoo. , thiab peb tsuas yog pom qhov kawg ntawm qhov tsis zoo ntawm cov dej khov nab kuab, "Ivan Drury, tus thawj coj ntawm kev nkag siab ntawm Edmunds, tau hais hauv nqe lus.
Qhov nruab nrab txhua xyoo feem pua ntawm cov tsheb tshiab tau nce mus rau 6.5% hauv lub quarter thib plaub los ntawm 5.7% hauv peb lub hlis dhau los thiab 4.1% xyoo dhau los, raws li Edmunds. Qhov ntawd ua rau qee tus neeg yuav khoom muaj kev xav thib ob txog cov tsheb xaj ua ntej thiab nce cov tsheb zaum hauv chav ua yeeb yam.
"Rau thawj zaug hauv ib xyoos thiab ib nrab mus rau ob xyoos, cov neeg siv khoom tau thim tawm ntawm qee lub tsheb muag ua ntej thiab muaj tsheb tsoo ntau yam uas tsis tau muag ua ntej," David Christ, tus thawj coj ntawm Toyota Motor Corp. hom kev muag khoom hauv Asmeskas, tau hais hauv kev xam phaj, hais txog cov nqi qiv nyiaj ntau dua. "Cov paj laum rau lub tsheb tshiab tau nce siab heev."
Cov neeg yuav khoom pib muaj kev pheej hmoo ntau dua li ntau lwm tus qiv nyiaj kom poob raug tsim txom los ntawm kev qiv qiv nyiaj. Hnub Wednesday, New York Tus Kws Lij Choj General Letitia James thiab US Consumer Financial Protection Bureau foob Credit Acceptance Corp., liam tias tus qiv nyiaj qis qis ntawm kev ntxias ntau txhiab tus neeg tau nyiaj tsawg rau hauv tsheb qiv nyiaj tsis txaus siab. Lub tuam txhab tau hais hauv tsab ntawv tshaj tawm tias "qhov kev tsis txaus siab tsis muaj txiaj ntsig" thiab nws yuav "tiv thaiv peb tus kheej hauv qhov teeb meem no."
Mark Cohen, tus kws tshaj lij ntawm Vanderbilt University uas tau kawm txog kev tsis ncaj ncees hauv kev lag luam qiv nyiaj pib, hais tias nws tsis tshua muaj kev txhawj xeeb txog $ 1,000 nyiaj qiv tsheb thiab ntau txhawj xeeb txog hom qiv qiv nyiaj nrog cov luag num.
"Kev them nyiaj $ 1,000-ib hlis tsis yog qhov teeb meem ntawm nws tus kheej," nws hais hauv email. “Qhov tseem ceeb yog leej twg them tus nqi ntawd. Rau cov tsev neeg nruab nrab tam sim no khwv tau txog $ 70,000 ib xyoos ib zaug, qhov ntawd yuav yog kwv yees li 17% ntawm lawv cov nyiaj tau los txhua hli, "thaum qhov "kev them nyiaj-rau-cov nyiaj tau los sib piv yog ze rau 4%-rau-6% ntau rau cov neeg yuav tsheb feem ntau."
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