Cov nqi tsev tam sim no
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Rau feem ntau ntawm 2022, cov qauv ntawm cov nqi tsev feem ntau tau nce thiab tom qab ntawd nce qee qhov ntxiv. Tab sis nyob rau nruab nrab Lub Kaum Ib Hlis ib yam dab tsi loj tshwm sim: Ua tsaug rau cov lej nyiaj txiag zoo dua li kev cia siab, tus nqi nruab nrab ntawm 30-xyoo tus nqi qiv nyiaj poob qis rau 6.61% lub lim tiam ntawm Kaum Ib Hlis 17th, uas yog qhov poob qis tshaj plaws hauv ib lub lis piam hauv kwv yees li 40. xyoo, raws li Freddie Mac's Primary Mortgage Market daim ntawv ntsuam xyuas. Qhov ntawd yog kev pab rau cov neeg qiv nyiaj, kom paub meej, tab sis yuav ua li cas ntxiv? Peb nug cov pros. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.)
Kev twv ua ntej 1: Cov nqi tsev qiv nyiaj yuav rov qab los
"Tom qab kev nce siab thiab ntev ntev, cov nqi qiv nyiaj tsis ntev los no tau thim rov qab rau cov ntaub ntawv qhia tias kev nce nqi yuav nce siab. Tab sis Tsoom Fwv Teb Chaws Reserve tau hais txog kev cog lus txuas ntxiv los tawm tsam kev nce nqi nrog kev nce nqi, yuav suav nrog kev nce tus nqi ntawm lawv lub Kaum Ob Hlis lub rooj sib tham, tuaj yeem xa cov nqi tsev qiv nyiaj rov qab los, "hais tias Kate Wood, tus kws tshaj lij hauv tsev ntawm NerdWallet.
Thiab rau nws feem, Greg McBride, tus thawj kws tshuaj ntsuam nyiaj txiag ntawm Bankrate, hais tias: "Cov nqi tsev qiv nyiaj tau rub rov qab los ntawm cov lus teb rau thawj me ntsis ntawm kev cia siab xov xwm ntawm kev nce nqi pem hauv ntej. Raws li ib txwm muaj, cov tub ua lag luam yog overreacting los ntawm kev noj ib lub hlis cov ntaub ntawv thiab projecting rau yav tom ntej. Yog tias tsis muaj xov xwm zoo ntxiv ntawm kev nce nqi nyob rau lub hlis tom ntej, cov nqi qiv nyiaj yuav rov qab los. " Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.
Kev twv twv 2: Tab sis lawv tsuas tuaj yeem ruaj khov
"Cov ntaub ntawv qhia tau hais tias tsoomfwv cov peev nyiaj siab dua tau pib txo qis kev nce nqi thiab ua tsaug rau cov ntaub ntawv nyiaj txiag tus phooj ywg, cov nqi tsev qiv nyiaj poob qis dua 7%. Yog tias kev nce nyiaj nce ntxiv nyob rau ob peb lub hlis tom ntej, cov nqi qiv nyiaj yuav zoo li qis dua 7% rau lub xyoo tas los, "hais tias Nadia Evangelou, tus kws tshaj lij nyiaj txiag laus thiab tus thawj coj ntawm kev tshawb fawb vaj tsev ntawm National Association of Realtors (NAR).
Kev twv twv 3: Lawv tuaj yeem poob - tsuas yog tsis txhob cia siab tias yuav poob zoo li lawv tau ua thaum lub Kaum Ib Hlis
"Ua rau cov txiaj ntsig zoo dua li qhov kev cia siab, qhov nruab nrab 30-xyoo tus nqi qiv nyiaj poob qis los ntawm 7.08% rau lub lim tiam xaus rau lub Kaum Ib Hlis 10 txog 6.61% rau lub lim tiam xaus rau 17th. Txawm hais tias qhov no yog qhov loj tshaj plaws nyob rau lub lim tiam dhau ib lub lis piam poob hauv kaum xyoo, thiab yuav ua rau kom tau txais cov nqi tsev pheej yig dua, cov nqi tsev qiv nyiaj tseem tshuav ntau dua li lawv tau nyob rau lub Ib Hlis. Kuv tsis xav tias peb yuav tsum cia siab tias yuav pom cov nqi poob ze li 50 lub ntsiab lus txhua lub lim tiam, "hais tias Jacob Channel, tus kws tshaj lij nyiaj txiag laus ntawm LendingTree.
Thiab Jeff Tucker, Zillow tus kws tshaj lij nyiaj txiag laus, hais tias: "Tom qab lub caij nplooj zeeg tsis hloov pauv, 30-xyoo tus nqi qiv nyiaj tau nyob rau nruab nrab mus rau 6% ntau. Qhov ntawd tseem yog ob npaug ntawm lawv theem ntawm lub sijhawm xyoo tas los no, tab sis kev nyem me ntsis tom qab nce siab tshaj 7% ob peb lub lis piam dhau los. Tsis muaj laj thawj ntau npaum li cas rau kev cia siab tias cov nqi yuav nce siab dua, thiab qhov tseeb, yog tias peb pheej pom kev txhawb nqa, txo qis kev nqis peev, nws muaj txoj hauv kev zoo ntawm cov nqi poob qis. Txhawm rau kom muaj kev saib xyuas, Kuv tseem xav kom lawv nyob rau hauv qis-rau-nruab nrab 6% nyob rau xyoo kawg. "
Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.
Cov kab hauv qab: Koj yuav tsum tau tos thiab pom tias muaj dab tsi tshwm sim
Kom meej meej, cov kws tshaj lij tsis pom zoo tag nrho rau qhov tshwm sim tom ntej. "Kev ua lag luam yuav muaj kev cuam tshuam ntau dhau rau qhov zoo dua li qhov kev xav tau ntawm kev nce nqi hauv nruab nrab Lub Kaum Ib Hlis uas ua rau ze li ib nrab feem pua ntawm cov nqi qiv nyiaj, txawm li cas los xij, txog tam sim no muaj kev txav me me los ntawm qib qis dua tshiab. Lub Kaum Ob Hlis tab tom tsim los teeb tsa tus qauv tshiab hauv ib qho kev taw qhia lossis lwm qhov thiab ntau yuav nyob ntawm tus neeg siv khoom tus nqi ntsuas kev nyeem ntawm kev nce nqi. Lub hlis no, qhov kev xav tau ntau dua li cov ntaub ntawv-raws li qhov tau ua, vim tias peb tau ze rau qhov kev nqis tes ua thiab qhov kawg ntawm Fed lub voj voog nruj, "hais tias Danielle Hale, tus thawj coj nyiaj txiag ntawm Realtor.com.
Yuav muaj peb hnub tseem ceeb uas txiav txim siab nqi tsev nyob rau lub Kaum Ob Hlis. "Cov paj laum qiv nyiaj rau lub Kaum Ob Hlis yuav tsum tau hloov pauv mus rau me ntsis qis, tab sis thaum kawg yog hinging rau peb hnub tseem ceeb rau cov ntaub ntawv tam sim no," piav qhia Taylor Marr, tus thawj coj saib xyuas nyiaj txiag ntawm Redfin. Thawj yog lub Kaum Ib Hlis daim ntawv qhia txog kev ua haujlwm. Yog tias txoj haujlwm loj hlob qeeb, nws hais tias cov nqi tsev qiv nyiaj tuaj yeem "los qis me ntsis vim tias Fed yuav tau ceev faj ntau dua ntawm kev ua lag luam tsis zoo."
Tus lej thib ob los saib yog "Lub Kaum Ib Hlis cov ntaub ntawv tus nqi siv khoom lag luam rau lub Kaum Ob Hlis 13, uas yuav qhia tau tias kev nce nqi siab tshaj yog qhov tseeb tom qab peb thiab kev nce qib tau ua tiav. Yog tias kev nce nyiaj nce ntxiv qhia pom tias yuav nqis los, lawv tuaj yeem tshaj tawm tus nqi qis dua li qhov lawv tau tshaj tawm ntawm lawv lub rooj sib tham plaub kawg, hais tias Channel.
Thaum kawg, hnub tom qab lub Kaum Ob Hlis 14, Fed yuav muab lawv cov paj laum txiav txim siab thiab kev kwv yees nyiaj txiag. Nyob rau ntawm lub sijhawm no, kev lag luam tau cia siab tias yuav muaj kev poob qis hauv tus nqi nce mus rau 50 lub hauv paus ntsiab lus los ntawm 75, tab sis qhov kev cia siab rau xyoo tom ntej tus nqi yuav yog qhov tseem ceeb rau qhov tshwm sim nrog cov nqi qiv nyiaj, "Marr hais.
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Tau qhov twg los: https://www.marketwatch.com/picks/in-mid-november-mortgage-rates-saw-their-biggest-decline-since-1981-heres-what-6-pros-say-will-what- tshwm sim-next-01669563000?siteid=yhoof2&yptr=yahoo