Tom qab ob lub lis piam so, US cov nqi tsev qiv nyiaj pib nce ntxiv rau lub lim tiam no, tsab ntawv ceeb toom tshiab qhia.
Qhov siab dua 30-xyoo taag-tus nqi qiv nyiaj tab tom dhau los ua lwm lub taub hau rau kev lag luam tshee hnyo ntawm Tsoom Fwv Teb Chaws Reserve kev tsov rog ntawm kev nce nqi.
Central bank tau ua hiking nws benchmark paj paj nyob rau hauv teb rau kev nce nqi ntawm cov neeg siv khoom. Qhov ntawd, dhau los, ua rau nws kim dua rau cov neeg siv khoom qiv nyiaj rau kev yuav khoom loj xws li tsev.
Kev them nqi tsev txhua hli rau lub tsev nruab nrab tus nqi tau nce mus txog $ 2,000, raws li Realtor.com. Qhov ntawd yog $700 ntau dua li xyoo tas los.
"Muaj ntau tus neeg yuav khoom hauv tsev tau pom tias lawv cov peev nyiaj tsis txaus los yuav tsev thiab tab tom tsoo 'tshem' ntawm lawv qhov kev tshawb nrhiav," said George Ratiu, Realtor.com laus economist.
Tsis nco
30-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab tus nqi ntawm 30-xyoo cov tsev qiv nyiaj tau nce mus rau 5.51% lub lim tiam no, nce los ntawm 5.30% ib lub lim tiam dhau los, raws li cov Daim ntawv tshaj tawm tshiab los ntawm kev qiv nyiaj qiv nyiaj loj Freddie Mac. Xyoo tas los nyob rau lub sijhawm no, tus nqi nruab nrab yog 2.88%.
Sam Khater, Freddie Mac tus kws tshaj lij nyiaj txiag tau hais tias "Tus nqi tsev qiv nyiaj tsis hloov pauv raws li kev lag luam kev loj hlob qeeb vim kev lag luam thiab nyiaj txiag poob qis,"
"Nrog rau cov nqi siab tshaj nyob rau hauv kaum xyoo, cov nqi tsev ntawm nce qib thiab kev nce nqi ntxiv mus rau cov neeg siv khoom, kev them taus tseem yog qhov teeb meem tseem ceeb rau kev ua tswv tsev rau ntau tus neeg Asmeskas."
Hauv 12 lub hlis dhau los, cov nqi roj, khoom noj thiab lwm yam nuj nqis tau nce los ntawm 9.1%, qhov loj tshaj plaws txhua xyoo nce txij li xyoo 1981, Department of Labor qhia lub lim tiam no.
"Nrog kev nce nqi nce mus txog ob tus lej nrawm, muaj kev ntxhov siab ntxiv rau Tsoom Fwv Teb Chaws Reserve kom ua nruj dua nyob rau hauv nws cov nyiaj txiag nruj," Ratiu hais.
Fed yuav tshaj tawm nws txoj kev npaj rau tus nqi tom qab lub hlis no - thiab nws tsis zoo li yuav zoo nkauj.
Lawrence Yun, tus kws tshaj lij nyiaj txiag ntawm lub tuam txhab tau hais tias "Kev lag luam tsev qiv nyiaj twb tau tsim ntau qhov sib ntxiv ntawm Fed tus nqi nce, tab sis tej zaum yuav tau hloov kho me ntsis ntxiv raws li niaj hnub no tus nqi tsis txaus siab," National Association ntawm cov vaj tse.
15-xyoo taag-tus nqi qiv nyiaj
Tus paj laum ntawm 15-xyoo tus nqi qiv nyiaj yog qhov nruab nrab 4.67%, nce ntawm 4.45% lub lim tiam dhau los, Freddie Mac hais. Lub sijhawm xyoo tas los no, 15-xyoo tus nqi yog qhov nruab nrab 2.22%.
Cov nqi tsev qiv nyiaj poob qis rau qis qis ze li ib xyoos rau hauv kev sib kis kis thoob qhov txhia chaw raws li Tsoom Fwv Teb Chaws Reserve txo cov paj laum los txhawb kev lag luam tsis muaj zog. Kev lag luam kev lag luam tau rov zoo dua li qhov xav tau, thiab cov nqi tsev tau nce mus rau qhov siab tshiab thaum xav tau vaj tsev.
Raws li cov nyiaj them txhua hli nce, kev tsim nyog rau kev qiv nyiaj yuav nyuaj zuj zus.
Thaum lub Plaub Hlis 2021, ib tsev neeg yuav tsum tau khwv tau yam tsawg kawg nkaus ntawm $79,570 kom them tau ib lub tsev uas tus nqi nruab nrab. Tsuas yog ib xyoos tom qab ntawd, tus lej ntawd tau nce txog $ 107,500, piav qhia Christopher Herbert, tus thawj coj ntawm Lub Chaw Pabcuam Rau Kev Kawm Vaj Tsev ntawm Harvard University, thaum lub sijhawm Congressional lub rooj sib hais ntawm kev kub ntxhov vaj tse nyob rau lub lim tiam no.
Herbert tau hais tias "Qhov cuam tshuam ntawm cov paj laum ntau dua ntawm kev them taus tau ua ke los ntawm kev loj hlob ntawm cov nqi tsev nyob rau xyoo dhau los," Herbert tau hais.
5-xyoo adjustable-tus nqi tsev qiv nyiaj
Qhov nruab nrab tus nqi ntawm tsib lub xyoos hloov-tus nqi qiv nyiaj, lossis ARM, tau nce mus rau 4.35% lub lim tiam no, nce ntawm 4.19% lub lim tiam dhau los. Ib xyoos dhau los, 5-xyoo ARM nruab nrab yog 2.47%.
Tus nqi ntawm adjustable mortgages yog khi rau tus nqi tseem ceeb. Cov nyiaj qiv no pib nrog tus nqi qis dua, tab sis lawv tuaj yeem nce siab thaum lub sij hawm pib tus nqi tas mus li.
Kev sib cav rau kev tshem tawm ARM hauv ib puag ncig thaum cov nqi nce ntxiv - kom yooj yim - dab tsi nce mus yuav tsum los.
Ntau tus neeg qiv nyiaj nrog ARMs tshiab vam tias lawv yuav muaj peev xwm rov qab tau nyiaj qis dua, cov nqi qiv nyiaj ruaj khov thaum lub sijhawm lawv tsib xyoos tas sijhawm. Los yog lawv tsuas yog npaj yuav lawv lub tsev rau ob peb xyoos xwb.
Thaum twg nws yuav yooj yim dua mus yuav hauv khw no?
Tau ntau lub hlis, qhov cuam tshuam loj tshaj plaws rau kev yuav tsev yog qhov txwv tsis pub cov khoom muag. Qhov ntawd pib hloov.
Cov neeg uas xav muag (thiab muaj hmoo txaus los nrhiav qhov chaw tshiab nyob) tau teev lawv lub tsev nyob rau hauv kev cia siab tias yuav tau txais cua daj cua dub ntawm kev muag khoom.
Txawm li cas los xij, nrog tsawg tus neeg tuaj yeem tsim nyog tau txais kev qiv nyiaj loj, qhov sib npaug ntawm lub zog yog hloov los ntawm cov neeg muag khoom mus rau cov neeg yuav khoom uas muaj nyiaj ncaj ncees ntawm tes.
Qhov feem ntawm cov tswv tsev uas tau txiav lawv cov nqi yog ntau dua ob npaug ntawm qhov nws nyob rau lub sijhawm no xyoo tas los, raws li Realtor.com.
"Peb tuaj yeem cia siab tias qhov kev muag khoom yuav txuas ntxiv qeeb thaum peb tsiv mus rau ib nrab xyoo thib ob ntawm lub xyoo thiab kev lag luam rov qab muaj qhov xav tau ntawm qhov sib npaug," Ratiu hais.
Yuav nyeem dab tsi tom ntej
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Tus thawj tswj hwm ntawm World Bank nyuam qhuav ceeb toom tias kev nce nqi dawb-kub tuaj yeem kav ntev xyoo - tau muaj tswv yim los nrhiav kev rov qab muaj zog
'Muaj ib lub khw muag nyuj nyob qhov twg': Jim Cramer cov lus nto moo qhia koj tuaj yeem khwv tau nyiaj txawm tias muaj dab tsi. Nov yog 2 lub zog tailwinds coj kom zoo dua hnub no
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-rebound-us-economy-123000032.html