Ib qho "Open House" kos npe rau hauv pem hauv ntej vaj ntawm ib lub tsev muag khoom hauv Columbus, Ohio.
Ty Wright | Bloomberg ntawm Getty Images
Cov nqi tsev qiv nyiaj tau hloov mus rau lawv qhov siab tshaj plaws hauv ntau tshaj ib xyoos, thiab qhov ntawd yuav muaj peev xwm ua rau cov neeg yuav khoom hauv tsev ntshai tias lawv lub qhov rais them nyiaj tau kaw sai dua li qhov xav tau. Cov nqi tsev tseem nce ntxiv, thiab lub caij ntuj no yog keeb kwm lub caij qeeb tshaj plaws rau kev ua lag luam vaj tsev, tab sis kev thov qiv nyiaj los ntawm cov neeg yuav khoom tau nce siab dua.
Lub lim tiam dhau los yuav daim ntawv thov qiv nyiaj tau nce 2% piv nrog rau lub lim tiam dhau los, raws li Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag Nyiaj Txiag tau hloov kho raws caij nyoog. Qhov no jibes nrog cov lus tsis txaus ntseeg los ntawm cov neeg saib xyuas vaj tsev uas lawv tau pom ntau dua li ib txwm xav tau thaum Lub Ib Hlis. Cov ntawv thov tseem yog 17% qis dua tib lub lis piam ib xyoos dhau los, tab sis qee qhov yog vim muaj cov khoom lag luam qis dua. Kev xa khoom feem ntau nce rau lub Kaum Ob Hlis, tab sis nws tsis tau lub hli tas los.
Qhov no, raws li qhov nruab nrab daim ntawv cog lus paj laum rau 30-xyoo-laus tus nqi qiv nyiaj nrog cov nyiaj qiv nyiaj ($ 647,200 lossis tsawg dua) tau nce mus rau 3.52% los ntawm 3.33%, nrog cov ntsiab lus txo qis rau 0.45 los ntawm 0.48 (suav nrog tus nqi pib) rau cov nyiaj qiv nrog a 20% down them nyiaj. Qhov ntawd yog tus nqi siab tshaj txij li lub Peb Hlis 2020. Nws yog 64 lub hauv paus ntsiab lus qis dua tib lub lis piam ib xyoos dhau los.
"Cov nqi tsev qiv nyiaj tau nce siab ntxiv thoob plaws txhua hom qiv nyiaj lub lim tiam dhau los vim tias Tsoom Fwv Teb Chaws Reserve tau qhia txog txoj cai nruj dua ua ntej thawb US Treasury yields siab dua," said Joel Kan, tus kws tshawb fawb MBA. "Kev ua lag luam vaj tsev pib xyoo 2022 los ntawm kev ceeb toom muaj zog. Ob daim ntawv thov kev lag luam thiab tsoomfwv tau pom tias nce ntxiv, nrog FHA daim ntawv thov yuav nce yuav luag 9%, thiab VA daim ntawv thov nce ntau dua 5%. "
FHA thiab VA qiv nyiaj tsawg thiab tsis muaj kev xaiv them nqi feem ntau siv los ntawm cov neeg yuav khoom thawj zaug.
Cov ntawv thov kom rov qiv nyiaj qiv tsev poob 0.1% ntawm lub lim tiam dhau los thiab 50% qis dua tib lub lis piam ib xyoos dhau los. Cov nyiaj rov qab tam sim no nyob rau theem qis tshaj hauv ntau tshaj ib hlis. Raws li cov nqi tsev qiv nyiaj nce, tsawg dua thiab tsawg dua qiv tuaj yeem tau txais txiaj ntsig los ntawm kev rov ua dua tshiab.
Cov nqi tsev qiv nyiaj tau nce siab heev rau hnub Monday ntawm lub lim tiam no, raws li Mortgage News Daily, tab sis rov qab me ntsis rau hnub Tuesday.
"Cov lus nug loj tam sim no yog seb qhov phem tshaj tam sim no dhau mus rau qhov kev hloov pauv sai mus rau cov nqi siab dua. Cov lus teb yog qhov tseeb 'tej zaum!' Tej zaum nws yuav yog "tej zaum," sau Matthew Graham, tus thawj coj ua haujlwm ntawm Mortgage News Daily. "Hmoov tsis zoo, qhov ntawd tsis tau txhais hais tias cov nqi yuav tsis tuaj yeem siab dua, tsuas yog tias qhov kev sib tw yuav nyob nruab nrab ntawm no."
Tau qhov twg los: https://www.cnbc.com/2022/01/12/fear-of-even-higher-mortgage-rates-may-be-heating-up-winter-homebuying.html