Koj xav tau nyiaj npaum li cas rau kev them nqi tsev

Txawm hais tias muaj cov cim qhia txog kev ua lag luam hauv tsev txias, cov nqi tsev tseem muaj qhov siab, uas ua rau cov nyiaj poob qis dua. 

Nyob rau hauv xyoo tas los no, qhov nruab nrab ntawm cov nyiaj them poob qis hauv lub teb chaws 50 qhov loj tshaj metro tau loj hlob ntau dua 35%, raws li ib tug LendingTree qhia, raws li 30-xyoo-laus cov ntaub ntawv nqi tsev qiv nyiaj los ntawm Lub Ib Hlis 1 txog Lub Kaum Hli 10, 2022.

Thaum cov nqi tsev siab thiab cov paj laum tuaj yeem thawb qee tus neeg yuav khoom mus rau sab nraud, cov uas tseem nyob hauv khw yuav muaj "cov peev txheej sib sib zog nqus," tshwj xeeb yog tias lawv poob qis, piav qhia Keith Gumbinger, tus lwm thawj ntawm lub vev xaib qiv nyiaj HSH.

Xav paub ntau ntxiv rau Tus Kheej Nyiaj Txiag:
Yuav ua li cas kom zoo tshaj koj tus kheej mus yuav tsev, raws li cov kws pab tswv yim nyiaj txiag
Koj lub sijhawm kawg kom tau txais 9.62% cov paj laum txhua xyoo rau Series I daim ntawv cog lus yog Lub Kaum Hli 28
Tsoomfwv saib xyuas cov neeg siv khoom tau txhawb nqa kev siv zog txhawm rau txhawm rau 'cov nqi tsis raug' ntawm cov tsev txhab nyiaj

Nov yog tsib lub metro saum toj kawg nkaus nrog kev them nqi loj tshaj plaws.

Nyob rau hauv 2022, tsib lub xov tooj no tau them nyiaj ntau tshaj plaws raws li LendingTree cov ntaub ntawv qiv nyiaj txij thaum Lub Ib Hlis 1 txog Lub Kaum Hli 10, 2022.

1. San Jose, California: $142,006
2. San Francisco, California: $131,631
3. Los Angeles, California: $104,749
4. San Diego, California: $98,593
5. Seattle, Washington: $96,056

Nrog cov nqi tsev nruab nrab siab dua thiab cov nyiaj tau los hauv tsev neeg txhua xyoo, nws tsis yog qhov xav tsis thoob tias cov metro tau nyob saum cov npe. Thiab cov nyiaj them poob qis no sawv cev rau feem ntau ntawm cov nyiaj tau los txhua xyoo.

Gumbinger hais tias "Feem ntau, qhov ntau koj tuaj yeem them taus, qhov qis dua koj cov nqi kawg yuav yog," Gumbinger hais.

Kev them nqi loj dua txhais tau tias qiv nyiaj tsawg dua, uas tuaj yeem "tseem ceeb pab cuam tus nqi ntawm cov paj laum nce mus rau qib," nws hais.

Txawm hais tias qee yam kev qiv nyiaj tso cai tso nyiaj qis qis li 3%, koj yuav tau them cov ntawv pov hwm qiv nyiaj qiv nyiaj tsawg dua 20%, thiab koj yuav pom cov paj laum ntau dua, Gumbinger tau hais.

Qhov nruab nrab cov paj laum rau 30-xyoo tus nqi qiv nyiaj ntawm $ 647,200 lossis tsawg dua yog tseem siab dua 7% rau cov nyiaj qiv nrog 20% ​​down them.

"Ntau dua feem ntau zoo dua vim tias qhov ntawd pab txo koj cov nqi tag nrho," nws hais ntxiv.

Hauv 2021, qhov nruab nrab ntawm cov nyiaj them poob qis yog 13%, nrog ze li ntawm 4 ntawm 10 siv cov nyiaj tau los ntawm kev muag tsev yav dhau los, raws li kev lag luam. 2022 tsab ntawv ceeb toom los ntawm National Association of Realtors.

Txawm tias softening thovMelissa Cohn, tus lwm thawj coj hauv cheeb tsam ntawm William Raveis Mortgage tau hais tias, tus nqi tsev tseem "tseem ceeb dua li ob xyoos dhau los," nrog ntau tus neeg yuav khoom tawm tsam kom txo qis 10% lossis 20%.

Tus nqi muag hauv tsev nruab nrab yog $ 454,900 thaum lub quarter thib peb ntawm 2022, piv rau $ 337,500 thaum lub quarter thib peb ntawm 2020, raws li Tsoom Fwv Teb Chaws Reserve cov ntaub ntawv.

Ntau tus neeg yuav khoom siv qhov zoo ntawm cov kev xaiv them nqi qis dua, nws hais tias, xws li 3% lossis 5% rau cov qauv qiv nyiaj lossis 3.5% rau Tsoom Fwv Saib Xyuas Vaj Tsev qiv nyiaj.

Cohn hais tias "Nrog rau kev them nqi me me, nws kim dua txhua txoj kev," Cohn hais. "Tab sis rau ntau tus neeg, nws yog tib txoj kev uas lawv muaj peev xwm nkag mus rau hauv lawv lub tsev." 

Txawm hais tias kev them nyiaj me me txhais tau tias cov paj laum ntau dua thiab kev pov hwm tsev qiv nyiaj, cov neeg yuav khoom hauv tsev tuaj yeem txo cov nuj nqis no yav tom ntej, nws hais. Thaum cov paj laum poob, tej zaum yuav muaj txoj hauv kev los ua kom tau nyiaj rov qab, thiab cov neeg yuav khoom yuav tshem tawm cov ntawv pov hwm qiv nyiaj thaum lawv ncav cuag 20% ​​kev ncaj ncees hauv tsev, Cohn tau hais.