Daim Ntawv Qhia Muag Khoom tshwm nyob rau pem hauv ntej ntawm lub tsev ntawm Oak Street hauv Patchogue, New York, thaum lub Tsib Hlis 17, 2022.
Steve Pfost | Xov Xwm Ntiaj Teb | Getty Dluab
Tom qab ib hlis ntawm kev poob qis, daim ntawv thov qiv nyiaj tau nce ntxiv, raws li cov tswv tsev tam sim no thiab cov neeg yuav khoom muaj peev xwm txav mus rau cov nqi tsev qis.
Cov ntawv thov tau nce 3.2% lub lim tiam dhau los piv nrog rau lub lim tiam dhau los, raws li Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag Nyiaj Txiag tau hloov kho raws caij nyoog.
Qhov nruab nrab daim ntawv cog lus tus paj laum rau 30-xyoo-laus tus nqi qiv nyiaj nrog kev sib npaug qiv nyiaj ($ 647,200 lossis tsawg dua) tau nce ntxiv me ntsis lub lim tiam dhau los mus rau 6.42% los ntawm 6.41%, nrog cov ntsiab lus nce mus rau 0.64 ntawm 0.63 (suav nrog tus nqi pib) rau qiv nrog 20% down them. Tab sis txoj hauv kev rau cov nqi tau qis dua rau lub hli dhau los, raws li tsoomfwv cov ntaub ntawv qhia pom tias kev nce nyiaj tau txias. Cov paj laum poob rau hnub Tuesday tom qab tso tawm lub Kaum Ib Hlis Ntuj tus nqi ntsuas.
Cov ntawv thov qiv nyiaj qiv nyiaj rov qab qiv tsev tau nce 3% lub lim tiam dhau los ntawm lub lim tiam dhau los tab sis tseem 85% qis dua tib lub lis piam ib xyoos dhau los. Qhov poob ntawm cov nqi los ntawm qhov siab tshaj ntawm 7% nyob rau lub Kaum Hli ntxiv rau lub pas dej me me ntawm cov neeg qiv nyiaj uas tuaj yeem tau txais txiaj ntsig los ntawm kev rov ua lag luam.
Daim ntawv thov nyiaj txais yuav tsev tau nce 4% rau lub lim tiam thiab 38% qis dua tib lub lis piam ib xyoos dhau los. Qhov kev sib piv txhua xyoo tam sim no poob qis me ntsis raws li tus nqi poob.
Joel Kan, tus kws tshawb fawb MBA, tau sau hauv tsab ntawv tshaj tawm tias "Qhov kev hloov pauv tsis tu ncua hauv kev loj hlob ntawm tus nqi hauv tsev, nrog rau kev txo qis ntawm cov nqi tsev qiv nyiaj ntxiv, yuav txhawb kom cov neeg yuav khoom ntau dua rov qab mus rau lub khw hauv lub hlis tom ntej,"
Cov nqi qis dua tau txo qis qhov xav tau rau cov nqi kho kom haum. ARMs poob rau 7.7% ntawm tag nrho cov ntawv thov lub lim tiam dhau los ntawm tsuas yog qis dua 13% thaum Lub Kaum Hli, thaum tus nqi ntau dua. ARMs muab cov nqi qis dua tab sis muaj kev pheej hmoo siab dua, txij li thaum kawg lawv yuav hloov kho thaum kawg ntawm lawv cov ntsiab lus tas mus li txawm li cas los xij ntawm kev ua lag luam yog li ntawd.
Thaum cov nqi tsev qiv nyiaj poob qis tom qab CPI daim ntawv tshaj tawm hnub Tuesday, lawv tuaj yeem txav mus ntxiv rau hnub Wednesday, tom qab Tsoom Fwv Teb Chaws Reserve tshaj tawm nws qhov kev hloov tshiab ntawm cov paj laum thiab Fed Thawj Tswj Hwm Jerome Powell ua raws li cov lus hais.
Matthew Graham, tus thawj coj ua haujlwm ntawm Mortgage News Daily tau hais tias "Ib tus phooj ywg txaus Fed tuaj yeem ua txhaum ntau yam, tab sis peb muaj kev tsis txaus siab txog seb Fed yuav xav tau roj ntau npaum li cas," "Yog tias muaj dab tsi, Fed feem ntau yuav sim ua kom npau taws rau qhov exuberance vim hais tias qhov exuberance yog counterproductive rau Fed lub hom phiaj."
Tau qhov twg los: https://www.cnbc.com/2022/12/14/mortgage-demand-inches-higher-as-interest-rates-move-lower-.html