Kuv yog tus kws tshaj lij nyiaj txiag ntawm lub tuam txhab qiv nyiaj uas tau txais nyiaj ntau dua $ 100 nphom hauv kev qiv nyiaj. Nov yog 3 yam uas yuav tsum paub txog kev lag luam vaj tsev tam sim no.

Raws li cov nqi tsev thiab cov nqi tsev qiv nyiaj nce mus, thiab cov khoom muag vaj tse tseem muaj kev txwv, ntau tus neeg yuav xav tsis thoob: Kuv puas yuav tau? Thiab yog tias kuv xav yuav, kuv yuav tsum paub dab tsi txog lub tsev lag luam tam sim no? Yog vim li cas MarketWatch Picks tsim ib series qhov twg peb nug cov kws lag luam tseem ceeb thiab cov khoom vaj khoom tsev uas lawv tau txais ntawm lub tsev lag luam tam sim no. Rau qhov no, peb tham nrog Cameron Findlay, tus thawj coj nyiaj txiag thiab EVP ntawm Peev Kev Lag Luam rau AmeriSave Mortgage Corporation, uas tau pab nyiaj ntau dua $ 115 nphom hauv cov nyiaj qiv txij li pib xyoo 2000. Findlay tau siv ntau tshaj 20 xyoo hauv kev lag luam qiv nyiaj - yav dhau los ua tus thawj tswj hwm thiab tus thawj coj ntawm kev lag luam peev ntawm cov qiv qiv nyiaj qiv nyiaj LoanSnap, tus kws tshaj lij nyiaj txiag ntawm LendingTree thiab tus thawj coj nyiaj txiag thiab tus thawj coj ntawm kev lag luam thib ob ntawm kev lag luam peev ntawm Discover Financial Services. Peb nug nws seb cov neeg yuav khoom hauv tsev yuav tsum paub txog kev ua lag luam tam sim no. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais ntawm no.)

Cov nqi tsev qiv nyiaj tau nce siab - tab sis muab tso rau hauv qhov kev xav 

Cov nqi tau nce xyoo no thiab tsis zoo li yuav txo cov khoom siv sai sai, Findlay hais. Tseeb, txij thaum ntxov 2022 txog tam sim no, cov nqi tau mus los ntawm me ntsis ntau dua 3% mus rau kwv yees li 6%, Cov ntaub ntawv bankrate qhia. Findlay hais tias "Yog tias koj xav yuav tsev, koj tos ntev dua, koj tuaj yeem raug nqi koj tus kheej nyiaj lossis lub zog yuav khoom," Findlay hais. 

Uas tau hais tias, nws tsis tuaj yeem kwv yees lub neej yav tom ntej, tab sis yog tias koj txhawj xeeb txog kev nce nqi, koj yuav xav xav txog qhov ntsuas tus nqi. Cov no feem ntau "ua kom koj kaw rau hnub no tus nqi rau lub sijhawm 90 hnub," Findlay piav qhia. Tseeb, lwm yam cov kws txawj tau sib cav txog dab tsi yuav tshwm sim nrog cov nqi tsev nyob rau lub hlis tom ntej, nrog kev nce nqi ua si lub luag haujlwm tseem ceeb hauv txoj hauv kev ntawm cov nqi.

Txawm hais tias tus nqi tau nce siab rau xyoo no, Findlay taw qhia qhov no: Cov nqi tsev qiv nyiaj tseem qis me ntsis los ntawm cov qauv keeb kwm. "Tus nqi yog 18% lub sijhawm kawg kev nce nqi yog qhov siab heev thaum xyoo 1980s, thiab lawv tau siab li 8.5% tsis ntev los no xyoo 2000," Findlay hais. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais ntawm no.)

Tsis txhob cia siab tias tus nqi tsev yuav poob qis sai sai

Nrog cov ntaub ntawv los ntawm Freddie Mac qhia tias Tebchaws Meskas luv luv ntau dua 3 lab lub tsev, tseem muaj cov khoom lag luam crunch thiab lub tsev tshiab tau qeeb zuj zus. Qhov ntawd txhais tau hais tias tus nqi tsis zoo li yuav txo qis txhua lub sijhawm sai sai txawm tias cov neeg yuav khoom xav tau pib poob qis. "Nyob rau hauv qee lub khw, cov nqi yuav nce siab yog tias cov nqi nce ntxiv, tab sis yog tias koj tab tom xav txog nyob rau sab nraud kom txog thaum cov nqi pib poob, koj yuav tau tos rau qee lub sijhawm," Findlay hais. Lwm tus kws tshaj lij nyiaj txiag pom zoo tias txawm yog tias lub tsev lag luam txias me ntsis, cov nqi tsev yuav tsis poob qis. 

Tus nqi 'vim ntau' los ntawm tus qiv, thiab los ntawm hom qiv, yog li khw muag khoom

Kev lag luam tsis hloov pauv tau tsim qhov dav dua li qhov qub ntawm cov nqi qiv nyiaj ntawm cov qiv nyiaj, hais tias Findlay. "Tus nqi tam sim no sib txawv los ntawm tus kws kho mob mus rau tus kws kho mob, uas tuaj yeem tsim ntau txhiab nyiaj sib txawv hauv koj cov nqi qiv," nws hais. "Rau txhua qhov feem pua ​​​​ntawm qhov nce hauv qhov nqi tsev, tus qiv ntawm $ 300,000 qiv yuav them ntxiv $ 190 toj ib hlis. Tshaj tag nrho lub neej ntawm 30-xyoo qiv, qhov no yog qhov sib txawv loj - ntau dua $ 67,000, "hais tias Findlay. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais ntawm no.)

Findlay hais tias cov neeg yuav khoom yuav xav saib ntau hom qiv nyiaj. "Ib txoj cai zoo ntawm tus ntiv tes xoo yog tias koj tab tom npaj yuav nyob qis dua 7 xyoo, koj yuav xav xav txog qhov qiv nyiaj ntau dua nrog cov nyiaj rov qab loj dua los them cov nqi kaw thiab cov nqi txav mus thiab yog tias koj tab tom npaj khaws lub tsev ntau dua. tshaj 7 xyoo, koj yuav tsum xaiv tus nqi qis dua, "hais tias Findlay. Cov nyiaj rov qab tuaj yeem siv los them cov nqi them thiab tsis yog tsuas yog them rau cov nqi kaw uas tsis yog qiv nyiaj, tab sis ntawm cov nuj nqis them ua ntej xws li se vaj tse thiab cov nqi pov hwm. Tseeb tiag, yog tias koj tsuas yog npaj yuav nyob hauv tsev rau ob peb xyoos, koj kuj tseem xav xav txog kev hloov pauv tus nqi qiv nyiaj (ARM), uas tuaj yeem txuag koj cov nyiaj ntev npaum li koj npaj yuav muag hauv 5 mus rau 7 xyoo.