Tom qab txo cov paj laum los txhawb kev siv nyiaj thaum muaj kev sib kis, Tsoom Fwv Teb Chaws Reserve xav kom koj nres tam sim no - tsawg kawg kom txog thaum kev nce nqi tswj hwm.
Lub Pub tsa tsoom fwv teb chaws cov nyiaj tau los 75 lub hauv paus ntsiab lus rau lub hlis thib ob sib law liag, ua qhov no thib plaub tus nqi nce txij li lub Peb Hlis.
Tus nqi paj laum tam sim no nyob hauv thaj tsam ntawm 2.25% txog 2.5%, uas tsis zoo heev. Tab sis cov tsev txhab nyiaj thiab cov qiv nyiaj ntxiv lawv cov paj laum nyob rau sab saum toj ntawm qhov ntawd, uas yog thaum koj cov credit pib tau nqi.
"Thaum tus nqi ntawm cov txiv laum huab xeeb nce siab, nws tsis zoo rau kev muag khoom ntawm jelly - yog li Yog tias tus nqi qiv nyiaj nce siab, nws tsis zoo rau tej yam uas tib neeg feem ntau cia siab rau credit kom tau txais nws," Mark Witte, tus xibfwb qhia ntawv hauv Economics ntawm Northwestern University. "Lub tsev, tsheb, yam ntawm qhov xwm txheej ntawd."
Tab sis muaj ntau txoj hauv kev kom koj cov nqi qis dua txawm tias lawv zoo li tsis muaj kev tswj hwm koj.
Tsis nco
Yog tias koj cov phiaj xwm so haujlwm tau raug pov tseg los ntawm kev nce nqi, ntawm no yog txoj hauv kev tsis muaj kev ntxhov siab los pab koj rov qab taug kev
TikToker tau them $ 17,000 hauv credit card nuj nqis los ntawm 'nyiaj txiag' - Nws puas tuaj yeem ua haujlwm rau koj?
Ntau tus neeg Amelikas tseem tsis tau paub txog pheej yig dua tsheb insurance
mortgages
Ua ntej tus nqi nce hnub Wednesday, qhov nruab nrab 30-xyoo tus nqi qiv nyiaj qiv zaum ntawm 5.5%, yuav luag ob npaug qhov nws yog lub sijhawm no xyoo tas los.
Yog tias koj twb muaj ib lub tsev thiab muaj tus nqi qiv nyiaj tas li, qhov nce yuav tsis cuam tshuam rau koj tam sim ntawd. Tab sis yog tias koj muaj tus nqi sib txawv, koj yuav pom qhov txawv. Thiab yog tias koj tab tom nrhiav kev yuav tam sim no, koj twb tau poob ib qho tseem ceeb ntawm kev yuav lub zog.
John Mallett, tus thawj tswj hwm ntawm Main Street Mortgage, tus tswv lag luam qiv nyiaj hauv Ventura County, California hais tias "Rau txhua feem pua ntawm tus nqi nce, muaj kwv yees li ib nrab lab tus neeg tsawg dua tsim nyog rau tsev,"
Tab sis tsis yog txhua qhov kev cia siab ploj mus.
Mallet hais tias "Nws tab tom pib dhau los ua kev lag luam sib npaug uas cov khoom tau txais los ntawm kev xav tau," Mallet hais.
Qhov ntawd ua rau tus neeg yuav khoom xav tau ntau txoj kev xaiv.
"Nws muaj peev xwm hais tias tib neeg tuaj yeem, thaum lawv ua qhov kev thov hauv tsev, lawv tuaj yeem hais kom tus neeg muag khoom them $ 10,000 ntawm cov nqi kaw uas yuav mus rau kev yuav tus nqi qis. Yog li koj tuaj yeem ua tus nqi buydowns. Thiab nws yuav ua kom yooj yim rau lawv kom tsim nyog tau txais nyiaj txiag. "
Mallett qhia txog kev txiav txim siab tus nqi ib ntus, uas tso cai rau tus neeg yuav khoom them tus nqi qis dua rau thawj ob peb xyoos ua ntej nws nce mus rau qhov tsis tu ncua.
Ob tus neeg yuav khoom thiab tus muag khoom tuaj yeem them rau qhov kev yuav khoom thiab nws tuaj yeem yog cov nyiaj them poob haujlwm uas siv cov ntsiab lus qiv nyiaj. Ib qho qhab nia qiv nyiaj sib npaug 1% ntawm koj cov nyiaj qiv tag nrho. Piv txwv li, ntawm $ 100,000 qiv, ib qho taw tes yuav yog $ 1,000. Cov neeg muag khoom qee zaum yuav siv nws los txhawb kev muag khoom.
Yog tias koj twb muaj ib lub tsev thiab muaj ib qho kev sib npaug hauv tsev ntawm credit, cov nqi no yuav cuam tshuam los ntawm Fed qhov nce.
Credit card
Cov neeg Amelikas muaj ntau daim credit card nuj nqis - dhau lawm $ 840 billion tsim nyog. Thiab thaum tsoomfwv cov nyiaj tau nce siab, cov paj laum ntawm cov nuj nqis ntawd yog li cas.
Cov paj laum nruab nrab ntawm daim npav rho nyiaj thaum Lub Xya Hli ua ntej Fed tus nqi nce yog [20.8%](https://www.lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/.
Nws tau dhau los ua qhov tseem ceeb dua los them koj daim npav rho nyiaj tshuav, hais tias Jim Droske, tus thawj tswj hwm ntawm Illinois Credit Services, qhov kev pabcuam qiv nyiaj sab nraud Chicago.
"Qhov ntawd tsis yog ib txwm muaj tseeb rau tib neeg," nws hais. "Tab sis yog tias lawv tuaj yeem ua tau, lawv yuav tsum them lawv qis kom tsis muaj qhov sib npaug kom them tus nqi paj."
Lwm qhov kev xaiv yog hu rau koj lub tuam txhab credit card thiab thov kom txo tus nqi, hais tias Droske. “Qee lub sij hawm cov tuam txhab yuav tsis coj nws. Tab sis yog tias koj nug, qee zaum lawv yuav muab txoj haujlwm zoo dua rau koj. "
Cov nyiaj qiv tsheb
Koj cov nyiaj qiv tsheb yuav tsis dim ntawm tus nqi nce ib yam. Hauv thawj peb lub hlis twg ntawm 2022, lub teb chaws nruab nrab tus nqi rau 60 lub hlis qiv tsheb yog 4.07%, raws li Experian), thiab nws yuav nce me ntsis nrog Fed cov lus tshaj tawm.
Rau qhov zoo tshaj plaws ntawm kev qiv tsheb, koj yuav tsum mus ncig thiab tshawb xyuas nrog ntau tus kws kho nyiaj txiag, tab sis Droske hais tias qhov qhab nia zoo yog qhov tseem ceeb.
"Koj qhov credit tseem ceeb heev thaum koj mus qiv tsheb," nws hais. "Tsuas yog vim koj tau txais kev pom zoo rau kev qiv nyiaj tsis tau txhais hais tias [nws muaj] cov ntsiab lus zoo, thiab lawv tuaj yeem ua tau thoob plaws hauv pawg thawj coj - Kuv txhais tau tias, koj tuaj yeem them 19%, koj tuaj yeem them 9%.
Qhov koj ua tiav them nyiaj ntau yog nyob ntawm koj qhov qhab nia credit, nws hais. Yog li thaum tus nqi paj laum yuav cuam tshuam rau qhov koj them, koj tau ua li cas nrog koj cov credit yuav muaj kev cuam tshuam loj rau koj tus nqi.
Cov credit zoo dua yuav mus ntev ntawm no
Qhov xwm zoo yog tias muaj ntau yam koj tuaj yeem ua los ntxuav koj cov qhab nia credit.
Droske hais tias "Nyob hauv lub ntiaj teb nyiaj txiag raws li cov paj laum, credit yog huab tais," Droske hais.
Nws hais tias koj yuav tsum xyuas koj cov qhab nees credit rau txhua qhov tsis sib xws lossis yuam kev lossis cov nuj nqis kho mob uas tseem tsis tau muab tshem tawm. Koj yuav tsum tau them koj cov nuj nqis qiv nyiaj ntau npaum li koj tuaj yeem ua tau thiab pom tias koj tuaj yeem tau txais credit ntau dua.
Tab sis cov lus qhia zoo tshaj plaws tam sim no, tej zaum yuav yog qhov yooj yim tshaj plaws.
Droske hais tias "Yog tias koj tsis xav tau, tsis txhob yuav nws tam sim no," Droske hais. "Tib neeg nyiam tawm mus yuav tsheb qee zaum thaum lawv tsis xav tau thiab txhua yam khoom kim heev tam sim no."
Yuav nyeem dab tsi tom ntej
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/dont-dont-buy-now-heres-220000623.html