Daim "Kev Muag Khoom" kos npe rau sab nraum lub tsev hauv Albany, California, Asmeskas, hnub Tuesday, Tsib Hlis 31, 2022. Cov neeg yuav khoom hauv tsev tab tom ntsib qhov xwm txheej pheej yig dua nrog cov nqi tsev qiv nyiaj nyob ib puag ncig qhov siab tshaj plaws hauv ntau tshaj kaum xyoo.
Joe Raedle | Bloomberg | Cov duab Getty
Cov nuj nqis hauv tsev tau nce siab dhau $ 16 trillion nyob rau lub quarter thib ob thawj zaug, vim tias kev nce nyiaj nce ntxiv tau nce cov vaj tsev thiab tsheb sib npaug, New York Federal Reserve tau tshaj tawm hnub Tuesday.
Lub koom haum American IOU tag nrho $ 16.15 trillion txog thaum kawg ntawm Lub Rau Hli, zoo rau $ 312 billion - lossis 2% - nce los ntawm lub quarter dhau los. Cov nuj nqis tau txais tau nthuav dav tab sis tshwj xeeb yog tsom rau kev qiv nyiaj thiab kev yuav tsheb.
"Cov neeg Amelikas tau qiv ntau dua, tab sis ib feem loj ntawm kev qiv nyiaj nce ntxiv yog vim muaj tus nqi siab dua," New York Fed tau hais hauv blog post nrog rau kev tso tawm.
Cov nqi tsev qiv nyiaj tau nce 1.9% rau lub quarter, lossis $ 207 billion, txog li $ 11.4 trillion, txawm hais tias lub zog ntawm cov hauv paus pib tau qis dua. Qhov kev nce xyoo ntawd tau ua rau 9.1% nce los ntawm ib xyoos dhau los raws li cov nqi tsev tau tawg thaum lub sijhawm muaj kev sib kis.
Daim npav rho nyiaj tau nce $ 46 nphom hauv peb lub hlis thiab 13% xyoo dhau los, uas cov kws tshawb fawb Fed tau hais tias yog qhov nce loj tshaj plaws hauv ntau dua 20 xyoo. Cov nyiaj qiv nyiaj tsis nyob hauv tsev tau nce 2.4% los ntawm thawj peb lub hlis twg, qhov nce loj tshaj plaws txij li xyoo 2016.
Cov tub ntxhais kawm qiv nyiaj tau hloov me ntsis ntawm $ 1.59 trillion.
Qhov nce hauv kev qiv nyiaj los nrog kev nce nqi ntawm 8.6% txhua xyoo tus nqi hauv lub quarter thib ob uas suav nrog nce 9.1% nyob rau lub Rau Hli - qhov kev txav loj tshaj plaws txij li lub Kaum Ib Hlis 1981 - raws li Bureau of Labor Statistics. Kev nce nqi vaj tse tau nce ntawm 5.5% txhua xyoo tus nqi nyob rau lub Rau Hli thiab cov nqi tsheb tshiab thiab siv tau nce 11.4% thiab 7.1% feem.
Nyob rau hauv kev teb rau cov qib siab nce nqi, Fed tau nce paj paj plaub zaug nyob rau hauv 2022, nrog nce tag nrho 2.25 feem pua cov ntsiab lus. Cov kev txav mus los tau nce 30-xyoo cov nqi tsev qiv nyiaj mus rau 5.41%, nce ntau dua 2 feem pua ntawm cov ntsiab lus txij thaum pib ntawm lub xyoo, Raws li Freddie Mac.
Txawm hais tias cov nuj nqis nce ntxiv thiab nce nyiaj nce ntxiv thiab cov paj laum ntau dua, tus nqi delinquency tseem yog qhov tsis zoo.
"Txawm hais tias cov nuj nqis tshuav tau nce sai, cov tsev neeg feem ntau tau ua rau muaj kev kis tus kabmob kis tau zoo, vim tsis muaj ib feem me me rau cov kev pabcuam nthuav dav tau muab los txhawb lawv," Fed blog post tau hais. "Tsis tas li ntawd, cov nuj nqis hauv tsev tau tuav ntau dhau los ntawm cov neeg qiv nyiaj ntau dua, tam sim no ntau dua li nws tau ua hauv keeb kwm ntawm peb cov ntaub ntawv."
Txog rau lub Rau Hli, qee qhov 2.7% ntawm cov nuj nqis tseem ceeb tau poob qis, ze li 2 feem pua cov ntsiab lus qis dua thawj peb lub hlis twg xyoo 2020 vim tias lub tebchaws tau nkag mus rau Covid kev sib kis.
Fed economists tau sau tseg tias tus nqi delinquency tau nce siab dua rau cov neeg qiv nyiaj subprime nyob rau qis kawg ntawm qhov credit scale.
Tau qhov twg los: https://www.cnbc.com/2022/08/02/household-debt-tops-16-trillion-as-inflation-surges-and-rates-rise.html