Teb Chaws Asmeskas cov nqi qiv nyiaj tau dhia ntau dua li ib nrab ntawm feem pua ntawm lub lim tiam no, qhov nce tsis pom nyob rau hauv kaum xyoo thiab ib qho tseeb tias tus nqi ntau dua cov neeg Asmeskas tawm ntawm lub tsev lag luam.
Kev nce qib hauv cov nqi los ntawm lub limtiam uas muaj kev kub ntxhov hauv kev lag luam, uas tau raug slammed los ntawm kev hloov pauv hauv khw muag khoom, tsis xav txog kev nyeem ntawv nyiaj txiag siab thiab kev lag luam. txawv txawv loj paj paj hike los ntawm Federal Reserve.
Rau cov neeg yuav khoom tab tom nrhiav nyiaj txiag yuav tsev nrog a 30-xyoo nyiaj txais tsev, lej hloov lawm.
"Yog tias cov neeg yuav khoom xav them tus nqi qiv nyiaj ib hlis ib zaug li thaum pib ntawm lub xyoo thaum tus nqi qis dua 2.5 feem pua, lawv yuav xav nrhiav lub tsev qis dua," sau Nadia Evangelou, tus kws tshaj lij nyiaj txiag laus nrog National Association of Realtors.
"Tshwj xeeb, cov neeg yuav khoom tuaj yeem them taus yuav 25% tsawg dua lub tsev dua li thaum pib ntawm lub xyoo."
Tsis nco
Nrog kev tuav pov hwm hauv tsev nce 40%, nws tseem ceeb dua puas tau piv cov nqi
Ntau lab tau tawm tsam kom nkag mus tawm ntawm cov nuj nqis nyob rau hauv lub ntsej muag ntawm kev nce paj paj. Paub koj cov kev xaiv
Yuav ua li cas tig koj hloov pauv nyob rau hauv ib tug diversified portfolio
30-xyoo taag-tus nqi qiv nyiaj
Cov paj laum ntawm 30-xyoo kev qiv nyiaj nruab nrab yog 5.78% lub lim tiam no, nce los ntawm 5.23% - qhov loj tshaj ib lub lis piam nce txij li xyoo 1987, qiv nyiaj qiv nyiaj loj Freddie Mac tshaj tawm rau hnub Thursday.
Ib xyoo dhau los, 30-xyoo tus nqi tsuas yog 2.93%.
Sam Khater, Freddie Mac tus kws tshaj lij nyiaj txiag tau hais tias "Cov nqi siab dua no yog qhov tshwm sim ntawm kev hloov pauv ntawm kev cia siab txog kev nce nyiaj txiag thiab txoj cai tswjfwm nyiaj txiag,"
"Cov nqi tsev qiv nyiaj siab dua yuav ua rau muaj kev cuam tshuam los ntawm kev sib tw ntawm kev ua vaj tsev nyob uas peb tau ntsib los ntawm kev sib kis, thaum kawg ua rau muaj kev lag luam vaj tsev sib npaug."
Txawm li cas los xij, kev ua lag luam tseem nruj heev. Yog tias koj tab tom yuav khoom hauv tsev, tej zaum koj yuav tsis pom cov nqi nqis los ntau - yog tias tag nrho.
"Tus nqi yuav nce mus ib ntus, txawm tias nyob hauv lub ntiaj teb thaum cov nqi nce," Tsoom Fwv Teb Chaws Reserve Chair Jerome Powell tau hais rau lub lim tiam no tom qab tshaj tawm txog peb lub hlis twg-feem pua-tus taw tes nce mus rau tsoom fwv cov nyiaj nqi.
Cov neeg yuav khoom, nws hais tias, xav tau lub khw "rov pib dua."
Powell tau hais tias "Peb yuav tsum tau rov qab mus rau qhov chaw uas cov khoom siv thiab cov kev xav tau rov qab los ua ke thiab qhov chaw nyiaj txiag poob qis dua thiab cov nqi tsev qiv nyiaj qis dua," Powell hais.
15-xyoo taag-tus nqi qiv nyiaj
Tus nqi ntawm 15-xyoo qiv nyiaj nruab nrab yog 4.81% lub lim tiam no, nce los ntawm 4.38% lub lim tiam dhau los, Freddie Mac hais. Ib xyoos dhau los ntawm lub sijhawm no, 15-xyoo qiv nyiaj yog qhov nruab nrab 2.24%.
Niaj hnub no cov nqi tsev qiv nyiaj - uas tsis tau nce siab txij li xyoo 2008 - tab tom txiav tob rau hauv cov peev nyiaj ntawm cov neeg yuav khoom hauv tsev.
Ua ntej nyiaj txiag kev yuav khoom, cov neeg yuav khoom yav tom ntej yuav tsum "khiav tus lej" los ntawm a nqi tsev cuab tam, hais tias Lawrence Yun, tus kws tshaj lij nyiaj txiag nrog National Association of Realtors.
"Qhov twg yuav yog $ 2,000 toj ib hlis hauv kev them nqi tsev, rau tib lub tsev, tus lej tuaj yeem yog $ 2,900 hnub no," Yun hais rau CNBC.
5-xyoo adjustable-tus nqi tsev qiv nyiaj
Tus paj laum ntawm tsib lub xyoos hloov tau tus nqi qiv nyiaj (ARM), yog qhov nruab nrab 4.33%, nce ntawm 4.12% lub lim tiam dhau los.
Xyoo tas los nyob rau lub sijhawm no, 5-xyoo ARM nruab nrab 2.52%.
Cov paj laum ntawm ARMs hloov kho nrog tus nqi tseem ceeb. Cov paj laum pib qis tab sis tuaj yeem nce siab thaum lub sijhawm pib tus nqi tas li.
Vim tias lawv cov nqi pib qis dua, ARMs tuaj yeem ua rau muaj kev nkag siab zoo rau cov tib neeg uas tej zaum yuav tsis npaj kom muaj lawv lub tsev ntev.
Yog tias cov nqi yuav poob rau yav tom ntej, tus qiv nyiaj ARM ib txwm tuaj yeem thim rov qab mus rau qhov qiv nyiaj ntev dua nrog tus nqi xav tau ntau dua.
Qhov mob ntawm cov nqi tsev ntau dua yog kis mus
Cov neeg yuav khoom hauv tsev tsis yog tib qho cuam tshuam.
Kev nce nqi hauv tsev tau ua rau muaj kev lag luam qis dua, nrog rau cov neeg xauj tsev koom nrog kev sib tw ua tsov rog ntawm lawv tus kheej.
Yun hais tias, "Cov neeg uas tau tshwm sim yog scrambling kom tau cov khoom ntawd," Yun hais.
Cov tuam tsev cov khoom lag luam tau raug hammered dhau tus lej siv qis - txhua xyoo tus nqi vaj tsev pib poob 14.4% hauv lub Tsib Hlis - thiab cov tuam txhab vaj tse tau txiav cov neeg ua haujlwm.
"Nrog lub Tsib Hlis xav tau 17% qis dua qhov kev cia siab, peb tsis muaj haujlwm txaus rau peb cov neeg ua haujlwm thiab cov neeg ua haujlwm txhawb nqa," Redfin CEO Glenn Kelman sau rau cov neeg ua haujlwm lub lim tiam no.
"Peb tuaj yeem ntsib ntau xyoo, tsis yog lub hlis, ntawm kev muag tsev tsawg dua."
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/mortgage-rates-flying-highest-jump-120000050.html