Puas yog Kev Lag Luam Hauv Tsev Ua Lag Luam qeeb qeeb vim cov nqi qiv nyiaj?

Ntsiab Cai

• Cov nqi tsev qiv nyiaj tau ze li peb npaug txij li lub sijhawm no ib xyoos dhau los.
• Txawm li cas los xij, cov nqi vaj tsev tau nce ntxiv, ua rau cov qiv nyiaj tshiab tsis muaj nqis.
• Zuag qhia tag nrho, qhov tshwm sim yog 41% poob rau hauv daim ntawv thov qiv nyiaj tshiab txhua xyoo.

Nyob rau xyoo tas los no, kev nce nqi nce thiab Fed txhawb cov paj laum hauv cov lus teb tau ua rau muaj kev kub ntxhov hauv kev lag luam vaj tsev. Tsawg tshaj li ib xyoos dhau los, cov nqi tsev qiv nyiaj tau nyob ze cov ntaub ntawv qis. Tam sim no, lawv nyob ib ncig ntawm 7%, ob mus rau peb zaug siab dua.

Txawm hais tias qee lub khw tau pom cov nqi vaj tsev poob rau hauv cov lus teb, feem ntau, qhov poob qis tsis txaus los khaws cov nqi tsev qiv nyiaj rau kev yuav khoom tshiab zoo ib yam. Tag nrho cov no tau ua rau cov nqi vaj tsev siab dua rau cov neeg yuav khoom.

Peb mam li hais txog yam koj xav paub txog kev them nqi tsev rau lub hli thiab qhov twg yuav mus rau xyoo tom ntej.

Tom qab

COVID-19 kis thoob qhov txhia chaw ua rau kev lag luam poob qis vim ntau lab tus neeg poob lawv txoj haujlwm thiab kev ua haujlwm sai sai rau kev nres. Tsoomfwv tau teb nrog kev sib koom ua ke ntawm kev txhawb nqa kev them nyiaj thiab txo cov paj laum.

Thaum lub sijhawm muaj kev sib kis, cov nqi tsev qiv nyiaj tau poob qis txhua lub sijhawm, nce mus txog 2.65% thaum Lub Ib Hlis 2021.

Raws li lub teb chaws tawm ntawm COVID lub caij txom nyem thiab kev txwv tsis pub muaj kev sib kis tau yooj yim, kev nce nqi pib nce vim yog yam xws li kev ua lag luam nruj thiab cov khoom lag luam teeb meem. Kev nce nqi nce siab thaum Lub Rau Hli 2022 ntawm 9.1%.

Hauv kev teb, Tsoom Fwv Teb Chaws Reserve tau nce nws cov txiaj ntsig txiaj ntsig rau 3.75% mus rau 4% los ntawm 0% ua ntej xyoo no. Qhov no tau ua rau cov nqi tsev qiv nyiaj nce siab.

TryqHais txog Cov Khoom Siv Siv Hluav Taws Xob | Q.ai - ib lub tuam txhab Forbes

Motgage Demand

Raws li cov paj laum nce, cov nyiaj qiv nyiaj txhua hli yuav kim dua thiab pheej yig dua yam tsis muaj kev poob qis hauv cov nqi vaj tsev, uas tsis tau tshwm sim hauv ntau lub khw.

Kev thov qiv tsev qiv nyiaj tau poob qis hauv 2022. Cov ntawv thov qiv nyiaj tshiab tau nqis los ntawm kwv yees li 41% txij li ib xyoos dhau los, thiab refinancing daim ntawv thov poob ntau dua 86%.

Lub Kaum Ob Hlis zoo li qhia txog qhov txuas ntxiv ntawm qhov kev xav ntawd. Lub lim tiam kawg ntawm lub Kaum Ib Hlis tau pom qhov txo qis ntawm 0.8% hauv daim ntawv thov qiv nyiaj piv rau lub lim tiam ua ntej. Lub Kaum Ob Hlis yog ib txwm yog lub hlis qeeb rau kev muag khoom hauv tsev, ua rau qhov teeb meem loj dua.

nqi

Tawm ntawm kev lag luam tsis paub tseeb thiab kev txhawj xeeb txog ib qho rov qab los, qhov nce loj ntawm cov nqi tsev qiv nyiaj yog ib qho ntawm cov laj thawj saum toj kawg nkaus thov qiv nyiaj poob qis.

Cov paj laum tau nce mus txog qis ntawm 2.65% thaum ntxov 2021 thiab tseem qis qis rau lub sijhawm txuas ntxiv, hovering ntawm 2.75% thiab 3.25% rau ib xyoos.

Raws li kev nce nqi nce, Tsoom Fwv Teb Chaws Reserve teb los ntawm nce nws cov nqi piv txwv, uas nce nqi qiv tsev. Rau lub limtiam ntawm Lub Kaum Ob Hlis 1st, qhov nruab nrab tus nqi ntawm 30-xyoo ruaj-tus nqi qiv nyiaj hauv Teb Chaws Asmeskas yog 6.49%.

Qhov no yog deb tshaj li keeb kwm highs, uas mus txog 18% rov qab rau thaum ntxov 1980s. Txawm li cas los xij, lub sijhawm dhau los tus nqi siab tshaj 6% yog xyoo 2008, txhais tau tias cov nqi no tsis tau pom dua rau yuav luag 15 xyoo.

Qhov cuam tshuam uas tus nqi nce ntxiv rau cov nqi vaj tsev yog qhov loj heev.

Xav txog tias koj muaj peb caug xyoo qiv nyiaj nrog qhov nyiaj tshuav ntawm $ 250,000. Ntawm tus paj laum ntawm 2.5%, koj yuav tau them $ 988 txhua lub hlis rau tag nrho $ 355,680. Zuag qhia tag nrho, koj yuav them tshaj $ 105,000 hauv paj.

Ntawm tus paj laum ntawm 7.5%, koj qhov nyiaj hli txhua hli rau $ 1,748. Qhov ntawd txhais tau hais tias tag nrho cov nyiaj qiv nyiaj ntawm $ 629,280 uas suav nrog ntau dua $ 375,000 nyob rau hauv kev txaus siab rau lub neej ntawm cov nyiaj qiv.

Niaj hnub no, cov tsev neeg yuav tsum tau them nyiaj txhua hli kwv yees li ob npaug ntawm qhov lawv xav tau ib xyoos dhau los kom them tau ib lub tsev ntawm tus nqi tib yam.

Tus nqi tsev

Feem ntau, raws li cov paj laum nce, cov nqi tsev yuav poob. Qhov no tuaj yeem ua rau lub zog ntawm cov nqi siab dua yuam kev qiv nyiaj ntau dua rau cov neeg yuav khoom tshiab.

Hmoov tsis zoo, kev txo nqi tseem tsis tau ua tiav rau cov neeg yuav khoom hauv tsev vim cov nqi tsev tau nce mus txog 2022.

Hauv thawj peb lub hlis twg ntawm 2022, qhov nruab nrab lub tsev muag rau $ 514,100. Hauv Q3, lub tsev nruab nrab muag rau $ 542,900. Qhov no kwv yees li 5% nce yog tsawg dua li kev nce nqi, txhais tau tias vaj tsev tau txais me ntsis pheej yig dua.

Txawm li cas los xij, ntau tus neeg tsis tau pom cov nyiaj ua haujlwm nce ntxiv nrog kev nce nqi, txhais tau tias kev them taus tsis tau txhim kho.

Cov neeg xauj tsev kuj xav tias lub nra hnyav, nrog cov nqi xauj tsev nce 7.8% xyoo dhau ib xyoo. Qhov no txhais tau hais tias txhua tus neeg uas tseem yuav tsum tau txais lawv cov nqi kaw hauv yog cuam tshuam nrog cov vaj tsev pheej yig dua li ib xyoos dhau los.

Puas yog lub sijhawm zoo los yuav lossis muag?

Yog tias koj muaj tsev thiab xav muag lossis koj tab tom nrhiav yuav tsev, koj yuav xav tias tam sim no yog lub sijhawm. Lo lus teb yog tsis muaj leej twg paub tiag.

Tsoom Fwv Teb Chaws Reserve tau txhawb cov paj laum hauv kev teb rau kev nce nyiaj nce ntxiv. Fed tuaj yeem txuas ntxiv mus rau txoj hauv kev no los ntawm kev thawb tus nqi siab dua, lossis nws yuav yooj yim tawm ntawm tus neeg nrawm yog tias kev nce nqi pib poob.

Nws kuj tseem tsis paub meej tias cov nqi vaj tsev puas tuaj yeem nce ntxiv ntawm lawv cov clip tam sim no. Ntau lub tsev txhab nyiaj loj thiab cov tuam txhab vaj tse tau kwv yees tus nqi poob rau xyoo tom ntej. Kev poob qis hauv daim ntawv thov qiv nyiaj qhia tau tias xav tau tsawg dua, uas tej zaum yuav yuam kom tus nqi txo.

Yog tias koj tab tom sim yuav, koj tab tom twv txiaj uas Fed yuav tsum tsis txhob nce tus nqi lossis qhov kev thov txo qis los ntawm cov neeg yuav khoom yuav yuam cov neeg muag khoom kom txo nqi tsev.

Txawm li cas los xij, yog tias koj nyob rau sab nraud ntawm qhov sib npaug, koj muaj peev xwm cia siab tias Fed yuav tsum tsis txhob nce cov paj laum, ua rau cov nqi tsev qiv nyiaj rau cov tsev kim kim dua.

Koj kuj yuav tsum tau cia siab tias kev ntshai ntawm kev lag luam tsis muaj tseeb, ua rau tsawg dua cov neeg yuav khoom rau koj lub tsev.

kab hauv qab

Kev yuav tsev yog qhov tseem ceeb ntawm American Dream. Nkag siab, nws xav tias tsis ncav cuag peb ntau ntawm tam sim no. Tsis ntev los no kev nce hauv cov paj laum, nrog me ntsis kev hloov pauv ntawm cov nqi vaj tsev, tau ua rau qhov no tawm ntawm tus txiv neej. Lub caij nplooj zeeg hauv daim ntawv thov qiv nyiaj qhia tias.

Rau cov tub ua lag luam, taug qab kev lag luam vaj tsev yog qhov tseem ceeb. Txawm hais tias koj tsis tab tom nrhiav kev yuav tsev, kev lag luam vaj tsev tsis muaj zog tuaj yeem muab sijhawm zoo rau koj los yuav cov kev nqis peev hauv av ntawm tus nqi luv.

Yog tias koj tab tom sim yuav ib lub tsev, koj yuav tsum tau saib xyuas kev pheej yig hauv tsev thiab khaws koj cov peev txheej ua kua kom txaus kom them nyiaj rau luv luv.

Q.ai siv qhov kev kwv yees tawm ntawm kev nqis peev, thaum khaws koj cov peev txheej kuj ua kua. Txog thaum koj npaj txhij los ua koj qhov kev yuav khoom, peb cov kev txawj ntse txawj ntse yuav cuam tshuam cov lag luam rau kev nqis peev zoo tshaj plaws rau txhua yam kev pheej hmoo txaus ntshai thiab cov xwm txheej nyiaj txiag. Peb kuj nthuav koj cov peev txheej los ntawm kev sib koom ua ke hauv Cov khoom siv nqis peev uas ua rau kev nqis peev ob qho yooj yim thiab cov tswv yim.

Qhov zoo tshaj plaws, koj tuaj yeem qhib Kev Tiv Thaiv Portfolio txhua lub sijhawm los tiv thaiv koj cov txiaj ntsig thiab txo koj cov kev poob, txawm tias koj nqis peev hauv kev lag luam dab tsi.

Download Q.ai hnub no rau kev nkag mus rau AI-powered peev tswv yim. Thaum koj tso nyiaj $100, peb mam li ntxiv $100 ntxiv rau koj tus account.