Raws li Tsoom Fwv Teb Chaws Reserve tau nce nws cov txiaj ntsig qiv nyiaj rau lub sijhawm thib xya xyoo no thiab hais qhia tias yuav muaj kev nce ntxiv hauv 2023, qhov nruab nrab cov nqi qiv nyiaj mus sij hawm ntev hauv Tebchaws Meskas tau txo qis rau tsib lub lis piam sib law liag.
Dab tsi tshwm sim: Raws li Freddie Mac, 30-xyoo-laus tus nqi qiv nyiaj (FRM) nruab nrab yog 6.31%, nqis los ntawm 6.33% hauv lub lim tiam dhau los. Qhov 30-xyoo FRM nruab nrab yog 3.12% ib xyoos dhau los.
Qhov nruab nrab tus nqi rau 15-xyoo tus nqi qiv nyiaj poob qis rau 5.54% los ntawm 5.67% lub lim tiam dhau los. Qhov 15-xyoo FRM yog 2.34% ib xyoos dhau los.
Yog li, nws puas yog lub sijhawm yuav khoom? Tej zaum tsis yog.
Cov nqi tsev tseem nce siab ntawm qib keeb kwm, thiab Jeremy Siegel, Wharton xibfwb ntawm Nyiaj Txiag, tej zaum yuav yog qhov taw qhia kom tos ntev dua.
"Kuv cia siab tias cov nqi vaj tsev yuav poob 10% mus rau 15%, thiab cov nqi vaj tsev tau nrawm dua ntawm qhov qis," Siegel hais rau CNBC hauv kev sib tham tsis ntev los no, ceeb toom tias cov nqi vaj tsev los ntawm ib qho kev taw qhia yuav poob qis.
Vim Li Cas Nws Muaj Tseem Ceeb: Hauv kev xam phaj cais nrog CNBC, Siegel tau hais tias, "Kuv xav tias peb yuav muaj tus nqi vaj tsev loj thib ob poob txij li lub sijhawm tom qab WWII nyob rau 12 lub hlis tom ntej. Qhov ntawd yog qhov tseem ceeb heev rau kev nplua nuj [thiab] rau kev ncaj ncees hauv kev lag luam vaj tsev. "
Muab hais tias qhov thim rov qab ntawm cov nqi yog dab tsi ua rau cov nqi tsev pib nce hauv thawj qhov chaw, tus kws tshaj lij yuav tawm tswv yim rau kev poob qis hauv cov nqi tsev thaum cov paj laum nce.
Kev qiv qis qis tau yog qhov tseem ceeb hauv kev loj hlob ntawm tus nqi hauv tsev nyob rau lub sijhawm, tshwj xeeb tshaj yog nyob rau xyoo tas los no. Thaum cov paj laum poob qis, nws yuav tsis tshua kim rau nyiaj txiag hauv tsev, uas txhawb nqa ntau tus tswv tsev los yuav vaj tsev.
Ntxiv nrog rau qhov tseeb tias tam sim no muaj qhov teeb meem ntawm cov khoom lag luam uas ua rau cov nqi nce siab, qhov kev xav tau nce no feem ntau nce nqi tag nrho cov cuab yeej.
Raws li ib tug hedge tiv thaiv tej zaum downside nyob rau hauv cov khoom muaj nqis, ntawm no yog yuav ua li cas nqis peev tsawg li $100 kom khwv tau nyiaj passive thiab tsim kev nplua nuj nyob rau lub sijhawm ntev.
Nyeem txog qhov tseeb tsim tawm hauv kev lag luam, kos tawm Benzinga lub vaj tsev home page.
Xav paub ntau ntxiv txog Cov Av los ntawm Benzinga
Tsis txhob nco lub sijhawm ceeb toom ntawm koj cov khoom lag luam - koom Lub Npe Lub Npe Pro dawb! Sim cov cuab yeej uas yuav pab koj nqis peev smarter, sai dua, thiab zoo dua.
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Tau qhov twg los: https://finance.yahoo.com/news/mortgage-rates-fall-fifth-straight-170053120.html