Kuv yog tus kws tshaj lij nyiaj txiag rau $ 5 nphom cov ntaub ntawv vaj tsev thiab cov tuam txhab npe. Nov yog 5 yam koj yuav tsum paub txog kev lag luam vaj tsev tam sim no

Lub tsev tau dhau los ua tsis txaus rau ntau lab tus neeg Asmeskas - nrog rau cov nqi tsev thiab cov nqi tsev qiv nyiaj txuas ntxiv (saib cov nqi qis tshaj uas koj tuaj yeem tsim nyog rau tam sim no ntawm no). Yog li - raws li ib feem ntawm peb series qhov twg peb nug cov kws lag luam tseem ceeb thiab cov khoom vaj khoom tsev muaj txiaj ntsig rau lawv txoj kev lag luam vaj tsev tam sim no - peb tau tham nrog Mark Fleming. Fleming - tus kws tshaj lij nyiaj txiag rau lub npe, kev sib hais haum, cov ntaub ntawv vaj tsev thiab kev pheej hmoo daws teeb meem tuam txhab First American Financial Corporation - tau tshuaj xyuas thiab kwv yees cov vaj tsev thiab kev lag luam qiv nyiaj rau 20 xyoo. Ua ntej dhau los ua tus kws tshaj lij nyiaj txiag ntawm Thawj Neeg Asmeskas, Fleming tau tsim kev nkag siab thiab tshuaj xyuas cov khoom lag luam rau CoreLogic nrog rau cov qauv ntsuas ntawm Fannie Mae thiab niaj hnub no nws cov kev tshawb fawb muaj xws li vaj tse thiab kev lag luam hauv nroog thiab kev pheej hmoo qiv nyiaj. Yog li peb nug Fleming: Dab tsi niaj hnub no cov neeg yuav khoom thiab cov neeg muag khoom xav paub txog kev lag luam vaj tsev?

Cov nqi tsev qiv nyiaj ntau dua, tab sis lawv tseem tsis siab

Txawm hais tias lawv tau nce siab dua li peb lub hlis dhau los, uas txo qis kev yuav khoom hauv tsev, lawv nyob ib puag ncig 6% rau 30-xyoo tus nqi qiv nyiaj, uas Fleming hais tias yog qhov deb ntawm qhov siab. Fleming hais tias "Cov nqi tsev qiv nyiaj ntau dua tab sis los ntawm cov qauv keeb kwm tsis siab," Fleming hais. Nws muaj lub ntsiab lus: Qhov no daim ntawv qhia los ntawm St. Louis Fed qhia qhov nkhaus ntawm cov nqi tsev qiv nyiaj txij li xyoo 1975. (Saib cov nqi qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.)

Affordability yog nce kev sib tw rau cov neeg yuav khoom

Kev nce nqi hauv tsev tau nrawm heev hauv ob xyoos dhau los. Tseeb tiag, raws li cov ntaub ntawv los ntawm National Association of Realtors, tus nqi muag khoom nruab nrab rau lub tsev uas twb muaj lawm tau nce 17% los ntawm xyoo tas los. Fleming hais tias "Qhov ntawd yog qhov tseem ceeb vim tias nws tsis tuaj yeem ua tsis tau rau lub zog yuav khoom hauv tsev, thiab yog li ntawd, kev pheej yig tau poob qis," Fleming hais. 

Fleming hais tias kev nce nqi hauv tsev, raws li ntsuas los ntawm ntau lub tsev nqi ntsuas tau tshaj tawm hauv xov xwm, muaj kev lag luam tseem ceeb, qee zaum ntau li rau lub hlis. Fleming hais tias "Nws yuav yog ob peb lub hlis ntxiv ua ntej tus nqi vaj tsev qhia tau hais tias tus nqi tau cuam tshuam li cas rau kev nce nqi tsev qiv nyiaj hauv lub quarter thib ob," hais tias Fleming.

Npaj kom qeeb tus nqi hauv tsev loj hlob

Tab sis tsuas yog vim kev them taus yog qhov nyuaj, tsis tau txhais hais tias cov nqi tsev yuav poob. Fleming hais tias nws txoj kev tshawb fawb qhia tau hais tias thaum lub sij hawm nce nqi tsev qiv nyiaj eras zoo li peb tab tom ntsib tam sim no, tus naj npawb ntawm kev muag khoom hauv tsev yuav poob qis tab sis cov nqi tsev feem ntau tsis ua. Fleming hais tias "Kev muag tsawg dua thiab qis dua tus nqi txaus siab yog qhov kev cia siab," hais tias Fleming.

Kev lag luam vaj tsev txias

Saib cov qib khoom muag thiab tus nqi ntawm tus neeg muag khoom txo nqi ntawm cov npe. "Cov no yog cov cim qhia ntawm qhov twg tus nqi yuav mus thiab yuav ua li cas qhov nce ntawm cov nqi tsev qiv nyiaj tau cuam tshuam rau kev thov. Ntau cov khoom muag thiab ntau tus neeg muag khoom txo tus nqi qhia txog kev ua lag luam txias, "hais tias Fleming. Rau cov neeg muag khoom, qhov no txhais tau hais tias rov pib dua ntawm qhov kev cia siab ntawm sai npaum li cas lawv lub tsev yuav muag. “Ntau hnub ntawm kev ua lag luam yeej tsis zoo li qub. Qhov tseeb, cov lus qub qub tau siv los ua cov neeg muag khoom feem ntau xav tias lawv lub tsev yuav siv sijhawm li 3 lub hlis ntawm kev muag khoom. Tau kawg, peb nyob deb deb ntawm qhov tsis tau, tab sis cov neeg muag khoom yuav tsum cia siab tias nws yuav siv sijhawm ntev dua los muag lawv lub tsev. Rau cov neeg yuav khoom, cia siab tias yuav muaj kev sib tw hnyav dua los yuav tsev, "hais tias Fleming. (Saib cov nqi qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.)

Xav txog ARM, thiab ua tus neeg yuav khoom ntse

Muab qhov kev ua lag luam tam sim no, Fleming hais tias nws yooj yim rau kev poob siab thaum muaj kev hloov pauv hauv cov nqi tsev qiv nyiaj thiab lwm yam kev hloov pauv vaj tsev. "Qhov tseeb yog qee cov kauj ruam tseem ceeb tseem ceeb thiab tsis txawv ntau li kev lag luam. Kav ib ncig rau qhov zoo tshaj plaws nqi tsev thiab nyob rau hauv ib tug nce-tus nqi lag luam, soj ntsuam adjustable-tus nqi tsev qiv nyiaj rau tus nqi qis dua. Ua koj txoj kev xaiv raws li lub tsev ua vaj tse, tsis yog kev nqis peev rov qab los thiab muaj kev ua siab ntev, "hais tias Fleming.