Teb Chaws Asmeskas cov nqi qiv nyiaj tau nce mus rau lawv qhov siab tshaj plaws hauv ob lub hlis, cuam tshuam lwm qhov cuam tshuam rau kev lag luam vaj tsev qeeb qeeb.
Tus nqi ntawm Asmeskas cov nyiaj qiv tsev nrov tshaj plaws, lub 30-xyoo taag-tus nqi qiv nyiaj, yuav luag ob npaug qhov twg nws yog ib xyoos dhau los ntawm lub sijhawm no, cov ntaub ntawv tshiab qhia.
Ntxiv qhov ntawd rau lwm yam, thiab ib zaug liab-kub vaj tsev lag luam tam sim no tsuas yog steamy.
"Kev sib xyaw ua ke ntawm cov nqi qiv nyiaj ntau dua thiab kev lag luam qeeb qeeb yog qhov hnyav ntawm kev lag luam vaj tsev," Sam Khater, tus kws tshaj lij nyiaj txiag ntawm nyiaj txiag vaj tsev loj Freddie Mac hais.
"Kev muag hauv tsev txuas ntxiv poob qis, tus nqi qis qis, thiab kev ntseeg siab ntawm cov neeg siv khoom tsawg."
Tsis nco
30-xyoo taag-tus nqi qiv nyiaj
Tus paj laum ntawm a 30-xyoo taag-tus nqi qiv nyiaj Lub lim tiam no nruab nrab 5.55%, nce los ntawm 5.13% lub lim tiam dhau los, Freddie Mac tau tshaj tawm rau hnub Thursday. Ib xyoos dhau los ntawm lub sijhawm no tus nqi 30 xyoo yog qhov nruab nrab 2.87%.
Cov nqi ua raws li 10-xyoo Treasury yields siab dua, uas zoo li yuav nce siab thaum cov tub ua lag luam pib xav tias muaj kev ntseeg siab ntau dua rau kev lag luam.
Thaum kev nce nqi tau nqis los ntawm nws qhov siab tsis ntev los no, kev cia siab tias Tsoom Fwv Teb Chaws Reserve yuav txuas ntxiv mus nce paj paj thiab muag cov nyiaj txais qiv nyiaj rov qab yuav tsum ua kom nce siab ntawm cov nqi qiv, hais tias George Ratiu, tus kws tshaj lij nyiaj txiag laus nrog Realtor.com.
Tib lub sijhawm, Thawj Tswj Hwm Joe Biden qhov kev txiav txim siab rau lub lim tiam no tshem tawm ntau npaum li $20,000 hauv cov tub ntxhais kawm cov nuj nqis rau ntau lab tus neeg Asmeskas tuaj yeem muab qee tus neeg yuav khoom yog vim li cas thiaj pib yuav khoom.
"Kev txuag nyiaj hauv cov nuj nqis txhua hli yuav txhawb nqa cov peev nyiaj hauv tsev kom tsis txhob nce nqi thiab nqi xauj tsev," Ratiu sau.
15-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab tus nqi qiv nyiaj hauv tsev 15 xyoo tau nce mus rau 4.85% lub lim tiam no, nce ntawm 4.55% lub lim tiam dhau los. Lub sijhawm no xyoo tas los, 15-xyoo tus nqi yog nruab nrab 2.17%.
Txawm hais tias cov nqi tau qis los ntawm lawv qhov kev sib kis loj heev thaum lub caij ntuj sov no, cov nqi qiv - nrog rau cov nqi tsev tseem ceeb - tab tom ua kom cov neeg yuav khoom muaj peev xwm los ntawm kev kos npe cog lus.
"Peb pom qhov poob qis hauv qhov kev thov vim tias ntau tus neeg yuav khoom yuav nqis mus rau sab nraud thaum lub ntsej muag nce siab hauv cov nqi tsev, cov nqi tsev ntau dua, kev lag luam tsis hloov pauv thiab nce nyiaj nce ntxiv," Douglas Yearly, CEO ntawm homebuilder Toll Brothers, tau hais. lub lim tiam no hauv kev hu xovtooj rau peb lub hlis twg.
"Cov neeg yuav khoom kev ntseeg siab kuj tau cuam tshuam los ntawm cov xov xwm tsis nres txog kev ua lag luam muag vaj tsev muag khoom thiab los ntawm kev nkag siab tsis meej txog kev coj noj coj ua yav tom ntej ntawm kev lag luam."
5-xyoo adjustable-tus nqi tsev qiv nyiaj
Cov paj laum ntawm tsib xyoos hloov tau-tus nqi qiv nyiaj poob qis me ntsis rau lub lim tiam no mus rau qhov nruab nrab ntawm 4.36%, nqis los ntawm 4.39% lub lim tiam dhau los. Ib xyoos dhau los ntawm lub sijhawm no, 5-xyoo ARM yog qhov nruab nrab 2.42%.
Cov nqi ntawm cov nqi tsev kho tau pib qis dua lawv cov kwv tij txheeb ze thiab tom qab ntawd txav mus los lossis nqis raws li qhov ntsuas zoo li tus nqi tseem ceeb.
Nrog 5/1 ARM, tus paj laum yog teem rau thawj tsib xyoos, thiab tom qab ntawd nws hloov txhua xyoo.
Yog tias cov nqi yuav poob tom qab lub sijhawm pib ntawm ARM, tus neeg qiv nyiaj tuaj yeem muaj peev xwm rov qab tau tus nqi qis dua ntawm lub sijhawm ntev. Tau kawg, qhov kev pheej hmoo yog tias cov nqi kuj tuaj yeem mus siab dua.
Daim ntawv thov qiv nyiaj rau lub lim tiam no
Daim ntawv thov nyiaj txais yuav tsev thiab qiv nyiaj rov qab tau poob rau lub lim tiam dhau los, raws li tsab ntawv ceeb toom dav dav.
Tag nrho cov ntawv thov poob 1.2%, raws li lub lim tiam dhau los daim ntawv ntsuam xyuas los ntawm Mortgage Bankers Association (MBA).
Refis poob 3% piv rau lub lim tiam dhau los - thiab 83% qis dua piv rau lub sijhawm no xyoo tas los. Nrog cov nqi nce siab dua, cov tswv tsev tsawg dua tuaj yeem tau txais txiaj ntsig los ntawm kev lag luam hauv lawv cov nqi tsev rau ib qho tshiab.
Joel Kan, tus MBA tus lwm thawj coj ntawm kev lag luam thiab kev lag luam kwv yees hais tias "Kev thov qiv nyiaj tau txuas ntxiv nyob rau 22-xyoo qis, txo qis los ntawm kev txo qis kev thov nyiaj rov qab thiab kev yuav khoom hauv tsev tsis muaj zog."
Tus nqi tsev ntawm lossis ze lawv qhov siab tshaj plaws, tshaj tawm qhia
Nyob rau hauv ib tug loj zuj zus ntawm US kev lag luam, tus nqi tsev muaj feem yuav peaked, ib tsom xam los ntawm cov kws tshawb fawb ntawm Florida Atlantic University thiab Florida International University qhia.
Cov kws tshawb fawb pom tias tus nqi them - lossis feem pua ntawm cov nqi mus sij hawm ntev uas tus neeg yuav khoom yuav tsum tau them - tau poob hauv 27 lub khw txij lub Rau Hli mus txog Lub Xya Hli. Tus nqi nruab nrab tau poob qis hauv feem ntau ntawm cov khw no thiab. Nyob rau lub Rau Hli, cov nqi them poob qis hauv 12 lub khw thiab cov nqi nruab nrab poob rau hauv xya xwb.
Ken Johnson, tus kws tshawb fawb nyiaj txiag ntawm Florida Atlantic's College of Business hais tias "Qhov kev nce ntxiv ntawm cov nqi qis qis hauv peb cov ntawv tshaj tawm txhua hli qhia tau hais tias ib tus neeg lub tsev lag luam nyob hauv, lossis yuav tau ntsib sai sai, lawv cov nqi nce siab," hais tias Ken Johnson, tus kws tshawb fawb ntawm Florida Atlantic's College of Business.
“Peb nyob ntawm qhov hloov pauv. Qhov tshwm sim ntawm tus nqi tseem ceeb nce nyob rau yav tom ntej yuav loj hlob me me los ntawm hnub. "
Austin, Denver, Minneapolis, Los Angeles, Phoenix, Salt Lake City, San Francisco thiab Seattle yog cov nroog uas poob nqi thiab nqi.
Kev tshuaj xyuas, txawm li cas los xij, tseem qhia tau tias cov nqi tseem nce hauv ntau lub nroog. Eli Beracha ntawm Florida International's Hollo School of Real Estate tsis cia siab tias qhov txiaj ntsig yuav poob zoo li lawv tau ua thaum lub vaj tsev poob qis uas xaus rau xyoo 2011.
Beracha hais tias "Tsis muaj cov khoom muag txaus los mus ncig," "Qhov kev tsis txaus ntseeg ntawd yuav ua rau muaj kev ntxhov siab rau tus nqi hauv ntau qhov chaw."
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/turning-point-mortgage-rates-home-110000019.html