Tom qab nce toj rau ob lub lis piam, Asmeskas cov nqi tsev qiv nyiaj tau poob qis vim cov nqi qiv nyiaj rov qab nyob ib puag ncig cov teeb meem sib xyaw los ntawm kev lag luam.
Thaum kev muag khoom hauv tsev tau poob qis thiab kev ntshai ntawm kev lag luam poob qis zuj zus los ntawm hnub, kev ua lag luam kev lag luam nthuav dav thiab kev poob haujlwm tseem tsawg.
Raws li qhov tshwm sim, cov nqi qiv nyiaj tau hloov pauv - thiab qhov kev hloov pauv tuaj yeem txuas ntxiv mus kom txog thaum kev lag luam pom muaj zog dua.
Txawm nrog lub lim tiam no poob, lub 30-xyoo tus nqi qiv nyiaj yog ntau tshaj ob feem pua ntawm tag nrho cov ntsiab lus siab dua li nws tau pib ntawm lub xyoo.
Tsis nco
30-xyoo taag-tus nqi qiv nyiaj
Tus nqi ntawm 30-xyoo kev qiv tsev yog qhov nruab nrab 5.30% lub lim tiam no, nqis los ntawm 5.54% lub lim tiam dhau los, vaj tsev nyiaj txiag loj heev Freddie Mac tshaj tawm hnub Thursday. Ib xyoos dhau los ntawm lub sijhawm no, tus nqi raug yog 2.80%.
Qhov cuam tshuam ntawm cov nqi siab dua, nrog rau cov nqi tsev nce siab thiab kev ntseeg siab ntawm cov neeg siv khoom poob qis, tab tom ua rau lub khw muag khoom hauv tsev, hais tias Sam Khater, Freddie Mac tus thawj coj nyiaj txiag.
"Raws li kev ua lag luam hloov mus rau ib puag ncig tus nqi siab dua, peb tab tom pom lub sijhawm ntawm kev muag khoom muag kom txog thaum kev ua lag luam normalizes," Khater hais.
Daim ntawv thov qiv nyiaj - qhov taw qhia rau kev muag tsev tom ntej - poob 1.8% thaum kawg ntawm lub lim tiam dhau los, piv nrog rau ib lub lim tiam dhau los, raws li qhov tseeb daim ntawv ntsuam xyuas los ntawm Mortgage Bankers Association.
15-xyoo taag-tus nqi qiv nyiaj
Freddie Mac hais tias 15-xyoo-laus tus nqi qiv nyiaj yog qhov nruab nrab 4.58% lub lim tiam no, nqis los ntawm 4.75% lub lim tiam dhau los, Freddie Mac hais.
Xyoo tas los nyob rau lub sijhawm no, 15-xyoo tus nqi nruab nrab yog 2.10%.
Ntau qhov kev hloov pauv hauv cov nqi yog los ntawm tsoomfwv cov lus teb rau cov neeg siv khoom nce nqi. Lub lim tiam no, Tsoom Fwv Teb Chaws Reserve tau nce nws tus kheej cov paj laum thib plaub rau xyoo no raws li nws txuas ntxiv mus. tsov rog ntawm inflation.
Cov kev txav no cuam tshuam cov nqi tsev qiv nyiaj hauv txoj hauv kev tsis ncaj ncees - thiab qee cov kws tshuaj ntsuam hais tias Fed nce yog twb ci rau hauv kev lag luam nyiaj txiag vaj tsev.
"Kev ua los ntawm Fed tau raug nqi rau hauv kev hloov pauv tus nqi qiv nyiaj tsis ntev los no, yog li nws muaj peev xwm tias cov nqi tsev qiv nyiaj tau nce siab," Lawrence Yun, tus kws tshaj lij nyiaj txiag rau National Association of Realtors, hais tias lub lim tiam no thaum lub rooj sib tham kwv yees.
5-xyoo adjustable-tus nqi tsev qiv nyiaj
Tus nqi ntawm tsib lub xyoos kho tau cov nqi tsev - ib qho uas txav mus los yog nqis raws li tus nqi tseem ceeb - yog qhov nruab nrab 4.29%, nqis los ntawm qhov nruab nrab ntawm 4.31% lub lim tiam dhau los.
Ib xyoos dhau los, 5-xyoo kev hloov pauv-tus nqi qiv nyiaj, lossis ARM, yog qhov nruab nrab 2.45%.
Cov neeg qiv nyiaj uas muaj cov qiv nyiaj no - lossis cov uas yuav npaj yuav sau npe rau ib qho sai sai - tuaj yeem xav tias yuav pom qhov nce ntawm cov nqi qiv.
Qhov ntawd yog vim tias thaum Fed tus nqi nce, tus nqi tseem ceeb ua tau zoo.
Qhov no txhais tau tias cov nqi tsev yuav poob, puas yog?
Ib tug yuav xav tias nrog kev thov rub rov qab thiab cov lus nug nce mus, tus nqi tsis muaj qhov twg mus tab sis nqes.
Txawm li cas los xij tsis yog qhov tshwm sim - tsis yog tseem, tus kws pab tswv yim vaj tsev Jonathan Miller hais.
"Qhov ntawd tuaj yeem siv sijhawm ib xyoos lossis ob xyoos, vim tias cov neeg muag khoom uas tsis tau txais lawv tus nqi tsis muag," Miller tau hais rau lub lim tiam no ntawm Kev Lag Luam Hauv Tsev podcast.
"Tus neeg muag khoom, tshwj tsis yog lawv yuav tsum muag, tsis muag - yog li kev lag luam qeeb qeeb."
Yelena Maleyev, tus kws tshawb fawb kev lag luam loj nrog KPMG, hais tias cov khoom vaj khoom tsev yuav nyob twj ywm nruj thiab cov nqi nce siab.
"Hmoov tsis zoo, raws li cov nqi tsev qiv nyiaj nce, ntau tus neeg muag khoom yuav tsis kam muab lawv lub tsev muag, tshwj xeeb tshaj yog tias lawv yuav xav tau lub tsev tshiab txav mus rau hauv," nws sau.
Yuav nyeem dab tsi tom ntej
Kab lus no muab cov ntaub ntawv nkaus xwb thiab yuav tsum tsis txhob muab txhais ua cov lus qhia. Nws tau muab yam tsis muaj kev lees paub ntawm txhua yam.
Tau qhov twg los: https://finance.yahoo.com/news/possible-mortgage-rates-topped-off-123000789.html