xav 4% yog phem? Cov nqi tsev qiv nyiaj tau nce mus ntxiv.
Nws yog rattling lub tsev lag luam uas nyuam qhuav hnov txog tus nqi nce siab mus ib txhis, tab sis tsawg kawg muaj tus nqi qiv nyiaj ntawm 3% lossis txawm tias qis dua rau ntau qhov kev sib kis.
Qhov nruab nrab tus nqi ntawm 30-xyoo ruaj qiv nyiaj tau nce mus txog 4.95% Hnub Friday, raws li Tsev Neeg Xov Xwm Txhua Hnub. Qhov ntawd yog qhov thib ob ua rau lub lim tiam no, tom qab tus nqi ntaus 4.72% rau hnub Tuesday.
Lub lim tiam no cov paj laum nce los ua ib yam dab tsi tsis txaus ntseeg, raws li ntau tus kws tshaj lij tau cia siab tias yuav muaj kev txaus siab qeeb hauv cov nqi qiv nyiaj thoob plaws hauv lub xyoo. Hnub Friday qhov nruab nrab yog yuav luag ib thiab ib nrab feem pua ntawm cov ntsiab lus siab dua cov nqi yog thaum pib ntawm lub xyoo.
Qhov nce tuaj yeem cuam tshuam qee cov neeg yuav khoom ua ntej lub caij nplooj ntoo hlav tsis khoom nyob hauv ib txwm, thiab cov neeg yuav khoom tau ntxhov siab txog lub xeev ntawm kev ua lag luam txawm ua ntej factoring nyob rau hauv ib tug ntau dua peev xwm them nqi tsev. Uas tau hais tias, kev ua lag luam tau ua ib yam dab tsi tab sis ib txwm nyob rau ob peb xyoos dhau los, nrog kev txuag nyiaj ntau ntxiv thiab xav tau ntau qhov chaw ua rau muaj kev lag luam loj hlob thoob plaws txhua lub caij uas tsis tau qeeb txij li thaum ntxov 2020. Txawm hais tias muaj ntau tus kws tshaj lij xav. Tus nqi tsev loj hlob yuav qeeb xyoo no, piv txwv li, qhov opposite tau muaj tseeb.
Qhov kev lag luam vaj tsev tau loj hlob nyob ntawm cov ntaub ntawv qis, txawm li cas los xij, thiab qhov kawg rau cov, nrog rau cov ntaub ntawv cov nqi vaj tsev siab, cov khoom muag tsis txaus, thiab kev nce nqi ntau xyoo, yuav txaus los pib ua lag luam qis.
US cov khoom muag poob rau 729,000 cov npe hauv tsev Hauv Lub Ob Hlis, 25% txo qis los ntawm ib xyoos ua ntej, raws li Zillow. Tab sis thaum cov khoom muag qis tau tsav tsheb nce nqi tsev ua ntej, cov neeg yuav khoom tsawg kawg muaj cov paj laum qis los ua qhov sib npaug.
Tam sim no, qhov nce hauv tus nqi yuav yog qhov tseem ceeb rau ntau tus neeg yuav khoom: qhov nruab nrab them nyiaj txhua hli rau 30-xyoo, $ 300,000 qiv, piv txwv li, yuav nyob ib puag ncig $ 1,601 ntawm 4.95%, piv rau $ 1,339 ib hlis ntawm Lub Ib Hlis 3.45% nruab nrab. Ob peb puas duas las ntxiv lub hlis yuav ua rau ntau tsev neeg cov peev nyiaj.
Tom qab ntawd muaj lub xyoo caum-siab nyiaj txiag los cuam tshuam nrog, thiab qhov tseeb tias cov nqi xauj tsev kuj tseem ceeb heev, txhais tau tias ntau tus neeg yuav khoom tsis tuaj yeem txuag tau ntau npaum li lub tsev li lawv xav tau.
Muab tso ua ke, thiab kev muag khoom tseem tab tom poob rau ob peb lub hlis dhau los, raws li cov National Association ntawm cov vaj tse, vim feem ntau yog cov khoom muag qis. Cov ntawv thov qiv nyiaj kuj poob qis.
Ian Shepherdson, tus kws tshaj lij nyiaj txiag ntawm Pantheon Macroeconomics tau kwv yees tias "Kev lag luam vaj tsev tau txias sai heev, thiab kev muag khoom tau nqis los ntawm 20-rau-30% los ntawm ib nrab xyoo,"
Tab sis tsis muaj dab tsi yog qhov tseeb: muaj ntau tus neeg yuav khoom yav tom ntej thiab yog li ob peb lub tsev uas cov nqi tawm los ntawm kev nce nqi tuaj yeem hloov tau yooj yim nrog lwm cov vaj tsev cia siab.
Keeb kwm cov nqi qis dhau lawm
Qhov kev nce no yog qhov hloov pauv loj heev los ntawm ob xyoos dhau los, thaum cov ntaub ntawv qis qis tau pab tsav kev yuav khoom thoob plaws lub tebchaws. Txawm hais tias lawv tau nce siab los ntawm cov ntaub ntawv qis ntawm 2.65% thaum Lub Ib Hlis 2021, qhov nruab nrab tseem nyob ib puag ncig 3.17% thaum pib ntawm lub xyoo no, raws li Freddie Mac.
Txawm hais tias ua ntej muaj kev sib kis, tus nqi tsis siab npaum li tam sim no: 2018 yog lub sijhawm kawg qhov nruab nrab 4.94%, thiab nws tsis tau tshaj 5% txij li xyoo 2011.
Qhov ntawd tseem yuav muab lub damper rau ntawm refinancing boom ntawm ob xyoos dhau los. Txawm hais tias ua ntej hnub no qhov kev poob qis, qhov ntim nyiaj rov qab tau poob ntau dua 50% piv rau xyoo dhau los, Koom haum qiv nyiaj qiv nyiaj koom haum.
Muaj xov xwm zoo me ntsis rau cov neeg yuav tsev nyob rau lub sijhawm no: vim tias Tsoom Fwv Teb Chaws Reserve yuav muaj peev xwm nce nws tus kheej tus nqi ntsuas ob peb zaug ntxiv rau xyoo no, yuav muaj feem yuav tau txais cov nqi tsev yuav nce mus ntxiv.
Zaj dab neeg no yog thaum chiv keeb los Fortune.com
Tau qhov twg los: https://finance.yahoo.com/news/mortgage-rates-keep-spiking-freaking-215852532.html