Yuav ua li cas them tus nqi tsev raws li cov paj laum thiab cov nqi tsev nce

Nws tsis pub leejtwg paub tias nws yog lub khw muag khoom nyuaj rau cov neeg yuav khoom hauv tsev.

Thaum Lub Kaum Hli, Asmeskas cov neeg yuav khoom xav tau kom khwv tau $ 107,281 txhawm rau them tus nqi nruab nrab ntawm cov nyiaj txais txhua hli ntawm $ 2,682 rau "lub tsev ib txwm muaj," Redfin qhia lub lim tiam no. 

Qhov ntawd yog 45.6% siab dua li $ 73,668 cov nyiaj tau los txhua xyoo uas xav tau los them cov nqi tsev nruab nrab 12 lub hlis dhau los, daim ntawv tshaj tawm pom.

Qhov laj thawj tseem ceeb yog nce nqi tsev qiv nyiaj, hais tias Melissa Cohn, tus lwm thawj hauv cheeb tsam ntawm William Raveis Mortgage. "Cov kab hauv qab yog cov nqi tsev qiv nyiaj tau ntau dua ob npaug txij li thaum pib ntawm lub xyoo," nws hais.

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Txawm tias ntse poob tshaj tawm lub lim tiam no, qhov nruab nrab cov paj laum rau 30-xyoo tus nqi qiv nyiaj ntawm $ 647,200 lossis tsawg dua tau hovering qis dua 7%, piv rau qis dua 3.50% thaum pib lub Ib Hlis.

Thiab thaum cov nqi tsev tau softened hauv qee lub khw, tus nqi muag khoom nruab nrab yog nce los ntawm ib xyoos dhau los.

Keith Gumbinger, tus lwm thawj coj ntawm lub vev xaib qiv nyiaj tau hais tias "Tus nqi tsev tau nce siab heev, cov nqi tsev qiv nyiaj tau nce ntau dua ob npaug thiab qhov ntawd tsuas yog cuam tshuam kev them taus xwb," MSM.

Lub caij no, tus nqi siab dua ntawm kev nyob tseem tab tom txiav rau hauv Asmeskas cov peev nyiaj, nrog Kev nce nqi txhua xyoo ntawm 7.7% Nyob rau lub Kaum Hlis.

Txawm hais tias cov xwm txheej tam sim no yuav hnov ​​​​mob rau cov neeg yuav khoom, cov kws tshaj lij hais tias muaj ob peb txoj hauv kev los txo koj cov nyiaj qiv nyiaj txhua hli.

Piv txwv, a kev them nqi siab dua Gumbinger tau piav qhia tias txhais tau tias kev qiv nyiaj tsawg dua thiab cov nyiaj them poob qis txhua hli. Nws tau hais tias "Ntau dua hauv ib puag ncig zoo li no tuaj yeem ua lub luag haujlwm kom tau txais koj cov nqi tsev qiv nyiaj los tswj hwm," nws hais.

Lwm qhov kev xaiv yog adjustable-tus nqi tsev, los yog ARM, uas muab cov paj laum qis dua piv rau cov nqi tsev qiv nyiaj. Tus nqi tom qab hloov kho ntawm lub sijhawm ua ntej rau kev ua lag luam tus nqi ntawm lub sijhawm ntawd.

Ib qho ARM kuj tseem tsim nyog xav txog, tsuav yog koj nkag siab txog qhov txaus ntshai, Cohn hais tias.

Yog tias koj tab tom npaj yuav nyob hauv tsev ntau xyoo, muaj kev pheej hmoo uas koj yuav tsis tuaj yeem rov qab them nyiaj rau cov nqi qiv nyiaj tsis tu ncua ua ntej ARM hloov kho, nws hais. Thiab nyob rau hauv ib puag ncig tus nqi nce, nws zoo li yuav hloov siab dua.

Koj qhov kev tsim nyog tau txais nyiaj rov qab tuaj yeem hloov pauv yog tias koj cov nyiaj tau los poob lossis koj tus nqi tsev poob. Cohn tau hais tias "Qhov ntawd yog qhov kev pheej hmoo ntau dua, tshwj xeeb tshaj yog rau cov neeg yuav tsev thawj zaug," Cohn hais.

Tau kawg, qhov tseem ceeb hauv tsev thiab kev thov txawv ntawm qhov chaw, uas cuam tshuam rau kev them taus, Gumbinger tau hais. Nws tau hais tias "Kev ua siab ntev thiab ua lub sijhawm zoo yog lub tswv yim zoo rau kev lag luam zoo li no," nws hais.