Thaum kawg, tsuav yog cov neeg yuav khoom tuaj yeem khaws lawv cov nyiaj them txhua hli tsis tu ncua, tsawg dua cov neeg ua nyiaj qiv nyiaj ntxiv tej zaum yuav tsis muaj kev cuam tshuam loj rau kev lag luam vaj tsev dav dav, piav qhia ib tus kws tshaj lij.
AP
Cov nqi them ua ntej them ua ntej poob 19.1% tsuas yog txij lub Peb Hlis txog Lub Plaub Hlis thiab 61.8% los ntawm ib xyoos dhau los, raws li kev tshawb fawb los ntawm cov ntaub ntawv qiv nyiaj thiab cov tuam txhab tshuaj ntsuam Black Knight.
Vim li cas kev them nyiaj ua ntej poob qis heev? Nws tau tsav los ntawm feem ntau los ntawm cov nqi tsev qiv nyiaj nce thiab los ntawm ntau npaum li cas refinancing kev ua tau poob raws li cov nqi tau nce siab, hais tias Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate. Thaum cov nqi ntawm 30-xyoo-laus tus nqi qiv nyiaj nyob ib puag ncig 3% hauv 2021, tam sim no lawv tau siab dua 5%, nrog qee tus neeg hais tias lawv yuav mus siab dua. (Koj tuaj yeem pom cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.) "Cov nqi qiv nyiaj siab dua yog qhov ua txhaum rau qhov kev poob qis. Raws li cov nqi tsev qiv nyiaj tau hla 5% qhov pib, ntau tus tswv tsev tau poob qhov kev txhawb siab tseem ceeb rau kev rov ua lag luam, "hais tias Kate Wood, tus kws tshaj lij hauv tsev ntawm Nerdwallet.
Qee qhov ntawm qhov no kuj tseem yuav tau ua nrog kev nce nqi, uas tam sim no zaum ntawm 40-xyoo siab. "Txij li thaum pib ntawm lub xyoo, kev nce nqi tau nce siab heev thiab vim li ntawd, ntau tsev neeg yuav muaj nyiaj tsawg dua uas lawv tuaj yeem faib rau cov khoom tsis tsim nyog xws li tso nyiaj ntxiv rau lawv cov nqi tsev," hais tias Jacob Channel, LendingTree tus kws tshuaj ntsuam xyuas nyiaj txiag laus.
Kev them nyiaj ua ntej tshaj li qhov xav tau pab cov qiv nyiaj txuag ntawm cov paj laum uas tau them se, thiab them cov nyiaj qiv sai dua txhais tau tias nce cov nyiaj ncaj ncees hauv ib lub tsev. Tab sis qee lub tuam txhab qiv nyiaj nplawm cov qiv nyiaj nrog kev them nyiaj ua ntej. Tsis tas li ntawd, ntau tus neeg tau txais kev qiv nyiaj los yog rov ua lag luam raws li cov paj laum qis, uas txhais tau hais tias lawv muaj cov nqi qiv qis qis uas lawv zoo dua tso lawv cov nyiaj ntsuab mus rau cov nuj nqis siab dua. Tab sis nws tseem ceeb heev uas yuav tsum nco ntsoov tias qhov no tsis yog thawj zaug kev them nyiaj ua ntej tau poob qis.
Qhov no txhais li cas rau cov neeg yuav khoom hauv tsev thiab cov muag khoom?
Thaum kawg, tsuav yog cov neeg yuav khoom muaj peev xwm ua raws li lawv cov nyiaj them txhua hli tsis tu ncua, tsawg dua cov neeg ua nyiaj qiv nyiaj ntxiv tej zaum yuav tsis muaj kev cuam tshuam loj rau kev lag luam vaj tsev dav dav, piav qhia Channel. "Nrog rau tus nqi thiab tus nqi siab npaum li lawv, qee tus neeg yuav khoom yuav tsum tau them rau qhov tsis tuaj yeem them nyiaj ntxiv, txawm tias lawv xav tau them lawv cov nyiaj qiv ua ntej lub sijhawm," Channel hais.
Kev poob nyiaj ua ntej tuaj yeem yog qhov qhia tau tias muaj nyiaj tsawg ntawm cov neeg yuav khoom tshiab, hais tias Channel, yog li qee tus neeg muag khoom yuav pom tias lawv lub tsev zaum ntawm kev ua lag luam ntev me ntsis lossis nyiam cov neeg yuav khoom tsawg dua li qhov yuav tshwm sim ntau xyoo 2020 lossis 2021, hais tias Channel. "Qhov ntawd hais tias, tseem muaj ntau qhov kev thov rau tsev ntawm cov neeg yuav khoom, yog li cov neeg muag khoom yuav tsum tsis txhob txhawj ntau dhau," nws hais ntxiv.
Thiab tej zaum yuav muaj kev cuam tshuam rau cov neeg yuav khoom hauv tsev thiab cov muag khoom hauv txhua qhov no. McBride hais tias cov qiv nyiaj tsis muaj dej nyab nrog cov ntawv thov nyiaj rov qab yog li cov txheej txheem qiv nyiaj yuav mus sai dua, piv txwv li tus qiv nyiaj txaus txaus.
Tau qhov twg los: https://www.marketwatch.com/picks/mortgage-prepayments-have-fallen-62-from-a-year-ago-this-is-what-that-says-about-the-housing-market- 01654886977?siteid=yhoof2&yptr=yahoo