Cov nqi tsev tam sim no, thiab cov neeg yuav khoom hauv tsev tuaj yeem txuag nyiaj li cas.
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Cov nqi tsev qiv nyiaj txuas ntxiv lawv lub peb hlis ntuj, nrog rau 30-xyoo tus nqi qiv nyiaj qiv hla 6% lub lim tiam no, Cov ntaub ntawv Bankrate qhia. Qhov tseeb, lub teb chaws nruab nrab rau 30-xyoo cov tsev qiv nyiaj ruaj khov tsoo 6.02%, thiab lub teb chaws qhov nruab nrab rau 15-xyoo cov nyiaj qiv qiv nyiaj tau nce mus rau 5.29%, raws li Bankrate cov ntaub ntawv los ntawm Lub Rau Hli 16. Thiab qee tus neeg hais tias tus nqi tuaj yeem nce siab dua. (saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais tam sim no ntawm no).
Yog li koj tuaj yeem ua dab tsi kom txuag tau ntawm kev qiv nyiaj tam sim no? Yog tias koj tuaj yeem them tau 15-xyoo tsev qiv nyiaj, cov nqi qis dua ntawm cov. Lwm qhov yuav tsum tau xav txog yog qhov hloov pauv tus nqi qiv nyiaj (ARM) - tab sis tsuas yog tias nws ua rau koj nkag siab. Tseeb, cov ntaub ntawv bankrate tseeb qhia tau hais tias qhov nruab nrab tus nqi ntawm 5/1 ARMS (tus nqi raug kho rau tsib xyoos, tom qab ntawd kho) yog 4.09%.
Tab sis nco ntsoov tias ARMs nyiam ua rau muaj kev nkag siab zoo tshaj plaws rau cov tswv tsev luv luv uas tsuas yog npaj yuav nyob hauv tib lub tsev rau 5 txog 7 xyoo. Thiab vim tias cov nqi tau hloov pauv, "ARMs tuaj yeem muaj kev pheej hmoo, thiab nyob rau lub sijhawm ntev lawv yuav xaus rau tus nqi ntau dua li cov nqi tsev nyob nrog tus nqi siab dua," hais tias Jacob Channel, LendingTree tus kws tshuaj ntsuam nyiaj laus laus, tsis ntev los no. hais rau MarketWatch Picks.
Koj kuj tseem yuav xav txiav txim siab yuav cov ntsiab lus luv nqi, uas yog cov nqi them los txo tus nqi paj - feem ntau ib qho taw qhia kwv yees txo tus nqi paj los ntawm 0.25%, txawm tias qhov no tuaj yeem sib txawv. "Thaum koj them cov ntsiab lus luv nqi, koj tab tom xa tus qiv nyiaj ib feem ntawm cov paj laum them rau pem hauv ntej hauv kev pauv rau kev them nyiaj tsawg dua txhua lub hlis," Holden Lewis, tus kws tshaj lij hauv tsev thiab qiv nyiaj ntawm Nerdwallet, tsis ntev los no hais rau MarketWatch Picks. Tab sis nco ntsoov tias tej zaum yuav muaj kev txwv rau pes tsawg cov ntsiab lus luv nqi koj tuaj yeem yuav, thiab cov ntsiab lus yuav tsis muaj txiaj ntsig, tshwj xeeb tshaj yog tias koj tsis npaj yuav nyob hauv tsev ntev.
Txawm hais tias koj tau txais cov nyiaj qiv li cas, cov kws tshaj lij qhia kom tau txais cov lus hais los ntawm 3 mus rau 5 tus qiv nyiaj thiab txheeb xyuas qee tus lej tseem ceeb, xws li koj cov qhab nia credit (txhim kho nws yog tias xav tau) thiab nuj nqis-rau-cov nyiaj tau los piv (DTI), ob qho tib si qiv nyiaj. siv los txiav txim seb tus nqi twg koj yuav raug muab. Txhawm rau xam koj qhov DTI, faib koj cov nuj nqis txhua hli (nyiaj txais; credit card them; tsheb, tub ntxhais kawm lossis tus kheej qiv; nyiaj yug menyuam) los ntawm koj cov nyiaj tau los tag nrho txhua hli. Yog tias tus lej koj tawm ntawm lossis qis dua 36%, koj yuav muaj feem tsim nyog tau txais nyiaj qiv, thiab ntawm tus nqi zoo dua, zoo dua yog tias koj tawm nrog tus lej siab dua li koj tus DTI.
thiab no MarketWatch Picks qhia muaj yim lub tswv yim kom tau txais tus nqi qiv qis tshaj plaws. Ib qho ntawm cov lus qhia: Xav txog cov kev pab cuam hauv tsev thawj zaug. "Nrog kev pab xws li kev pab them nqi qis, cov nyiaj muaj rau kev kho thiab kho dua tshiab, tsis muaj paj laum thib ob qiv thiab txo cov paj laum, cov kev pab cuam hauv tsev thawj zaug tau tsim los ntxias cov neeg tshiab rau thaj chaw tshwj xeeb. Cov xeev xws li California, Florida, Illinois thiab New York muab cov kev pab cuam los pab txo cov nqi cuam tshuam nrog kev rho tawm cov nqi tsev tshiab thiab qee lub xeev txawm muab cov qhab nia them se uas tuaj yeem siv rau koj cov se hauv tseemfwv. FHA qiv, USDA qiv thiab VA qiv yog ib hom qiv nyiaj ntau tshaj plaws rau cov neeg yuav khoom nrog cov credit qis thiab cov nqi qis dua, "MarketWatch Picks qhia.
Tau qhov twg los: https://www.marketwatch.com/picks/the-6-mortgage-is-here-but-heres-how-to-save-01655475795?siteid=yhoof2&yptr=yahoo