Teb Chaws Asmeskas cov nqi tsev qiv nyiaj tau nce siab rau lub lim tiam thib ob ua ke, tom qab ntawv ceeb toom tias kev lag luam tau ntxiv 517,000 txoj haujlwm thiab kev nce nqi nce 0.5% thaum Lub Ib Hlis.
Nadia Evangelou, tus kws tshaj lij nyiaj txiag laus ntawm National Association of Realtors (NAR) hais tias "Tus nqi no, cov neeg Asmeskas yuav tsum tso tsawg kawg 18% nqis rau kev yuav tsev ntawm tus nqi nruab nrab yog tias lawv tsis xav kom raug nqi them," ).
Thaum qhov kev thov tsis muaj zog nyob rau hauv lub ntsej muag ntawm cov nqi siab dua, lub caij nplooj ntoos hlav lub caij yuav khoom hauv tsev tuaj yeem pom qhov nruab nrab 30-xyoo qiv nyiaj qiv tsev nyob ze rau 6% cim - thiab cov neeg yuav khoom rov qab mus rau lub khw ib zaug ntxiv.
Tsis nco
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Cov tub ntxhais hluas Asmeskas nplua nuj tau poob kev ntseeg siab hauv kev lag luam Tshuag - thiab yog betting rau cov cuab tam no xwb. Nkag mus rau tam sim no kom muaj zog tailwinds ntev
Nov yog ntau npaum li cas qhov nruab nrab Asmeskas 60-xyoo-laus tuav hauv kev txuag nyiaj laus - koj lub zes qe piv li cas?
30-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab 30-xyoo ruaj tus nqi nce ntawm 6.12% mus rau 6.32%. Ib xyoos dhau los ntawm lub sijhawm no, tus nqi nruab nrab yog 3.92%.
George Ratiu, tus thawj coj ntawm kev tshawb fawb txog kev lag luam ntawm Realtor.com, ntseeg tias cov nqi qiv nyiaj yuav nce siab ntawm 6% mus rau 7% ntau nyob rau lub asthiv tom ntej.
"Rau kev lag luam vaj tsev, kev rov qab los ntawm cov nqi txhais mus rau hauv cov nyiaj qiv nyiaj ntau dua los ntawm ib xyoos dhau los, tab sis qis dua lub caij ntuj sov 2022 qhov siab tshaj plaws ntawm kev ua lag luam, vim tias cov nqi tau nqis 11% hauv 7 lub hlis dhau los," sau Ratiu.
"Tus neeg yuav khoom ntawm tus nqi nruab nrab yog saib ntawm $ 1,985 ib hlis them nqi ntawm hnub no tus nqi, 42% siab dua xyoo tas los, tseem 6% qis dua qhov nws yuav muaj nyob rau lub Rau Hli 2022."
15-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab 15-xyoo ruaj tus nqi kuj nce mus txog 5.51%. Lub lim tiam dhau los, qhov nyiaj qiv nruab nrab yog 5.25% thiab lub sijhawm no ib xyoos dhau los, nws nruab nrab 3.15%.
"Kev lag luam tab tom pom cov cim ntawm kev rov ua haujlwm, feem ntau yog vim cov neeg siv khoom siv, thiab cov nqi nce ntxiv," hais tias Sam Khater, tus kws tshaj lij nyiaj txiag ntawm Freddie Mac.
"Txhua tus nqi vaj tsev kuj tseem nce ntxiv thiab yog li cuam tshuam rau kev nce nqi, uas txuas ntxiv mus."
Nyeem ntxiv: UBS hais tias 61% ntawm cov neeg muaj nyiaj nplua nuj tau faib txog 30% ntawm lawv cov ntaub ntawv tag nrho rau chav kawm khoom vaj khoom tsev tshwj xeeb no
Cov nqi tsev qiv nyiaj yuav poob qis dua 6% hauv 2023
Txawm hais tias muaj kev nce nqi ntawm kev nce nqi rau lub Ib Hlis, cov kws tshaj lij tseem tuav kev cia siab rau kev poob qis hauv cov nqi qiv nyiaj tom qab xyoo no.
Evangelou xav tias kev nce nqi yuav yooj yim nyob rau lub quarter thib ob ntawm lub xyoo txij li tus nqi xauj tsev nce qeeb. Cov nqi xauj tsev muaj txog li 40% ntawm cov tus neeg siv khoom tus lej ntsuas suav.
"Nrog rau daim ntawv xauj tsev ib xyoos yog ib qho kev xauj tsev uas nrov tshaj plaws, qhov kev poob qis hauv cov nqi xauj tsev yuav tshwm sim qee zaum hauv peb lub hlis twg ntawm lub xyoo. Qhov no tuaj yeem pab txo qis nyiaj nce ntxiv thiab txhim kho cov nqi qiv nyiaj qis dua 6% xyoo no, "hais Evangelou.
"NAR kwv yees tus nqi qiv nyiaj rau qhov nruab nrab 5.7% hauv 2023."
Cov ntawv thov qiv nyiaj poob qis rau qib qis tshaj xyoo no
Kev thov qiv nyiaj poob qis 7.7% los ntawm lub lim tiam dhau los - qhov qis tshiab rau xyoo 2023 - vim tias cov nqi qiv nyiaj ntau dua, raws li Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag (MBA).
"Cov neeg yuav khoom muaj peev xwm tseem ceeb heev rau qib tam sim no ntawm cov nqi qiv nyiaj, uas yog ntau tshaj li ob feem pua ntawm cov ntsiab lus ntawm xyoo tas los thiab tau txo cov neeg yuav khoom lub zog," said Joel Kan, tus lwm thawj thiab tus thawj coj ntawm tus kws lag luam nyiaj txiag ntawm MBA.
Kev ua lag luam rov qab kuj tau thim rov qab los ntawm 13% lub lim tiam no, thiab yog 76% qis dua piv rau tib lub sijhawm xyoo tas los.
"Cov neeg qiv nyiaj qiv nyiaj rov qab ... nyob rau sab nraud vim cov nqi tam sim no muab kev txhawb nqa nyiaj txiag me me los ua."
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/signs-resilience-mortgage-demand-plummets-150000725.html