Tom qab nce siab tshaj 7% thawj zaug hauv 20 xyoo, US cov nqi tsev qiv nyiaj tau tsiv rov qab rau lub lim tiam no txawm tias kev lag luam vaj tsev tseem pheej rov qab los ntawm cov nqi qiv nyiaj siab.
Cov nqi kuj tau poob txawm tias Tsoom Fwv Teb Chaws Reserve tshaj tawm lwm qhov kev nce qib ntawm peb lub hlis twg ntawm qhov taw tes rau nws qhov kev hloov pauv ntawm tsoomfwv cov nyiaj tau los - ib qho kev qhia tias kev nce nqi tseem tsis kam lees.
"Nws zoo li (nyiaj txais) cov nqi twb tau nqi nyob rau hauv qee qhov cuam tshuam ntawm Fed cov paj laum ntau dua," hais tias Nadia Evangelou, Senior Economist rau National Association of Realtors.
Txawm li cas los xij, nyob ntawm seb yuav nrawm npaum li cas - lossis qeeb - cov neeg siv khoom lag luam thiab kev ua lag luam tseem frothy pib nruab nrab, cov nqi qiv nyiaj hauv tsev tuaj yeem pib rov qab sai sai.
Tsis nco
30-xyoo taag-tus nqi qiv nyiaj
Cov paj laum ntawm 30-xyoo kev qiv tsev - Tebchaws Asmeskas cov nyiaj qiv tsev nrov tshaj plaws - nruab nrab 6.95% lub lim tiam no, nqis los ntawm 7.08% ib lub lis piam ua ntej, vaj tse nyiaj txiag loj heev Freddie Mac tshaj tawm hnub Thursday.
Xyoo tas los nyob rau lub sijhawm no, 30-xyoo tus nqi yog qhov nruab nrab 3.09%.
Ntawm hnub no tus nqi (thiab cov nqi hnub no), kev them nqi tsev txhua hli ntawm lub tsev nruab nrab yog $ 965 siab dua li ib xyoos dhau los, hais tias George Ratiu, Senior Economist rau Realtor.com.
Ratiu hais tias "Qhov kev dhia loj heev hauv cov nqi nyiaj txiag tau txo qis feem ntau ntawm cov neeg yuav khoom," Ratiu hais.
15-xyoo taag-tus nqi qiv nyiaj
Tus nqi ntawm a 15-xyoo them nqi tsev Qhov nruab nrab 6.29% lub lim tiam no, nqis los ntawm 6.36% lub lim tiam dhau los thiab 2.35% ib xyoos dhau los, Freddie Mac hais.
Kev muag khoom tseem tab tom poob, thiab cov nqi hauv ntau lub khw tau ua raws li qhov tsim nyog.
Tus nqi nruab nrab hauv tsev tau poob qis hauv ntau tshaj li ib feem peb ntawm 100 qhov loj tshaj plaws hauv Teb Chaws Asmeskas kev lag luam, raws li kev tshawb fawb los ntawm Florida Atlantic University (FAU) thiab Florida International University.
Cov kev lag luam uas poob siab tshaj plaws feem ntau yog nyob rau hauv cov chaw uas tau muaj kev txaus siab tshaj plaws: San Jose, Calif., Austin, Tx., San Francisco, Boise, Id. thiab Salt Lake City.
Ken H. Johnson, tus kws tshaj lij nyiaj txiag hauv FAU's College of Business hais tias "Kev lag luam vaj tsev nyob thoob plaws lub tebchaws tau qeeb qeeb thiab zoo li mus txog qhov siab tshaj plaws ntawm lawv cov vaj tsev nyob tam sim no," hais tias Ken H.
5-xyoo adjustable-tus nqi tsev qiv nyiaj
Qhov nruab nrab tus nqi ntawm tsib lub xyoos hloov tus nqi qiv nyiaj - lossis ARM - yog 5.96% lub lim tiam no, tsuas yog qis dua los ntawm 5.96% lub lim tiam dhau los.
Xyoo tas los ntawm lub sijhawm no, tsib xyoos ARM yog qhov nruab nrab 2.54%.
ARMs pib nrog cov paj laum tas li uas feem ntau nyob nruab nrab ntawm peb thiab 10 xyoo. Cov nqi feem ntau yog qis dua li qhov lawv nyob ntawm lub tsev qiv nyiaj uas tau kho rau lub sijhawm ntev, xws li 15- lossis 30-xyoo.
Tab sis tom qab thawj lub sij hawm, tus nqi ntawm ib qho ARM yuav hloov kho los yog nqis raws li tus qauv zoo li tus thawj tus nqi.
Fed qhov cuam tshuam rau cov nqi tsev qiv nyiaj
Tsoom Fwv Teb Chaws Reserve tsis tau teeb tsa cov nqi tsev, tab sis nws cov nyiaj hauv tsoom fwv tus nqi cuam tshuam rau ntau yam ntawm cov nqi qiv, suav nrog cov qiv nyiaj hauv tsev.
Fed cov paj laum tsis ntev los no tau cuam tshuam qhov kev xav tau thoob plaws ntau qhov chaw, tab sis tej zaum tsis muaj ntau dua li vaj tsev.
"Kev ua lag luam vaj tsev tau kub heev rau ob peb xyoos tom qab muaj tus kab mob kis thoob qhov txhia chaw raws li kev thov nce thiab tus nqi qis," Fed Chair Jerome Powell qhia nyob rau hauv lub rooj sib tham xov xwm lub lim tiam no. "Kev lag luam vaj tsev yuav tsum tau rov qab mus rau qhov sib npaug ntawm cov khoom siv thiab kev xav tau."
Powell tau hais tias los ntawm kev pom kev ruaj ntseg nyiaj txiag, txawm li cas los xij, kev lag luam zoo li tam sim no zoo dua li lub sijhawm ua rau muaj kev kub ntxhov thoob ntiaj teb, thaum cov qauv qiv nyiaj tau xoob ntau dua li niaj hnub no.
Nws tau hais tias "Nws yog qhov xwm txheej sib txawv heev thiab tsis tshwm sim los nthuav qhia cov teeb meem nyiaj txiag ruaj ntseg," nws hais.
Cov nqi yuav mus qhov twg los ntawm no?
Cov nqi tsev qiv nyiaj tuaj yeem nce mus rau 8% lossis ntau dua los ntawm qhov kawg ntawm lub xyoo no lossis thaum ntxov rau yav tom ntej yuav tsum muaj kev nce nyiaj nce siab, hais tias Lisa Sturtevant, tus kws tshaj lij nyiaj txiag ntawm Bright MLS.
Cov ntaub ntawv tshiab tshaj plaws ntawm cov neeg siv khoom yuav raug tso tawm rau lub lim tiam tom ntej - thiab qhov ntawd tuaj yeem qhia txog Fed cov kev nqis tes ua mus tom ntej.
"Txawm hais tias tus nqi tuaj yeem hloov pauv nyob rau lub asthiv tom ntej, cov neeg yuav khoom hauv tsev xav tias cov nqi tsev qiv nyiaj yuav poob qis yuav poob siab," Sturtevant hais.
Yog tias kev nce nyiaj nce ntxiv thiab Fed txo nws txoj kev nce siab, cov nqi tsev yuav nyob ib puag ncig 7%, nws hais.
Qhov tseeb Kev kwv yees los ntawm Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag Nyiaj Txiag (MBA) qhia tau hais tias qhov nruab nrab 30-xyoo tas li tus nqi nce siab hauv lub quarter kawg ntawm lub xyoo no thiab tom qab ntawd poob rau xyoo 2023.
Daim ntawv thov qiv nyiaj poob rau lub lim tiam thib rau
Kev poob qis hauv kev qiv nyiaj tau txuas ntxiv lub lim tiam dhau los, poob 0.5% piv rau lub lim tiam dhau los, raws li qhov tseeb MBA kev tshawb fawb.
Tshwj xeeb, daim ntawv thov qiv nyiaj yuav tsev tau poob 1% ntawm lub lim tiam dhau los thiab tau nqis 41% los ntawm xyoo tas los. Cov ntawv thov kom rov qiv nyiaj qiv tsev uas twb muaj lawm tau poob qis 0.2% thiab ib qho stark 85% los ntawm ib xyoos dhau los.
Joel Kan, MBA tus lwm thawj tswj hwm thiab tus thawj tswj hwm tus thawj tswj hwm nyiaj txiag hais tias "Tshaj li ARM cov nyiaj qiv, tus nqi rau txhua hom qiv nyiaj tau ntau dua peb feem pua cov ntsiab lus siab dua li ib xyoos dhau los,"
"Cov kev nce qib no tseem ua rau muaj kev nyuaj siab rau ob qho tib si kev yuav khoom thiab kev ua lag luam rov qab thiab tau ntxiv rau cov teeb meem pheej yig pheej yig uas cuam tshuam rau kev lag luam vaj tsev dav dav, raws li pom nyob rau hauv kev poob qis hauv kev pib vaj tsev thiab muag tsev."
Yuav nyeem dab tsi tom ntej
Koj cov nyiaj ntsuab yog pov tseg: Ntawm no yog 4 txoj kev yooj yim los tiv thaiv koj cov nyiaj tawm tsam dawb-kub nce nqi (tsis yog lub khw muag khoom ntse)
Koj puas tau yuav tsev ua ntej 2022? Yog tias cov lus teb yog 'tsis yog', koj yuav yog qhov tsis ncaj ncees lawm ntawm kev tsis sib xws ntawm nyiaj txiag nyob rau kaum xyoo tom ntej - [no yog vim li cas]https://moneywise.com/real-estate/housing-market-creates-greater-wealth- faib?placement=WTRN2)
Cov no yog cov tsuas yog 4 lub nroog hauv tebchaws Amelikas qhov twg cov neeg xauj tsev nruab nrab tuaj yeem them taus lub tsev pib - thiab 2 qhov chaw uas lawv poob ntau dua $ 100K luv
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-just-dipped-home-120000240.html