Mortgage Rates Surge. Tus kab mob kis thoob qhov txhia chaw tau dhau lawm.

Ntawv loj

Cov nqi tsev qiv nyiaj nce mus rau qhov siab tshaj plaws txij li lub Peb Hlis 2020, raws li cov ntaub ntawv tshaj tawm hnub Thursday. Nws yog qhov tseeb tshaj tawm tias tus kabmob kis tus kabmob kis tau qis dua yog qhov dhau los.

Qhov nruab nrab tus nqi ntawm 30-xyoo tus nqi qiv nyiaj yog 3.45% lub lim tiam no, raws li

Freddie Mac

Qhov Kev Tshawb Fawb Txog Kev Lag Luam Tseem Ceeb, lawv qhov siab tshaj plaws txij li lub lim tiam xaus Lub Peb Hlis 26, 2020. Qhov nce ntawm 23 lub hauv paus ntsiab lus los ntawm lub lim tiam dhau los tus nqi ntawm 3.22% yog qhov nce siab tshaj plaws txij li lub lim tiam xaus Lub Peb Hlis 19, 2020. (Ib qho ntsiab lus sib npaug ib qho - pua pua ntawm ib feem pua.)

Qhov nce hauv cov nqi tsev qiv nyiaj tuaj thaum cov tub ua lag luam npaj rau Tsoom Fwv Teb Chaws Reserve kom nce cov paj laum sai li sai tau thaum Lub Peb Hlis. Cov txiaj ntsig ntawm 10-xyoo Treasury sau ntawv, qhov taw qhia kev lag luam tseem ceeb rau cov nuj nqis nruab nrab thiab ntev ntev, tau nce siab txij li nruab nrab Lub Kaum Ob Hlis vim tias cov tub ua lag luam tau nqis peev hauv Fed ntau dua.

Qhov ua tau tias Fed yuav nruj txoj cai tswj hwm nyiaj txiag nrawm dua li qhov xav tau yog thawb cov nqi tsev qiv nyiaj siab dua, Freddie Mac tus thawj coj nyiaj txiag Sam Khater tau hais tias, ntxiv tias kev nce nqi vim kev ua haujlwm tsis txaus thiab cov teeb meem ntawm cov saw hlau kuj tau pab.

Economists cia siab tias cov nqi tsev yuav nce ntxiv. Freddie Mac qhov kev kwv yees kev lag luam thiab vaj tsev nyob tsis ntev los no, tshaj tawm thaum Lub Kaum Hli, kwv yees 30-xyoo tus nqi ruaj khov nruab nrab ntawm 3.4% hauv thawj peb lub hlis twg ntawm 2022, thiab nce mus rau 3.7% los ntawm lub quarter thib plaub. Lub koom haum National ntawm Realtors kwv yees tias cov nqi tsev qiv nyiaj yuav xaus rau lub xyoo ntawm 3.7%. 

Thaum cov nqi nce siab los ntawm lawv qhov kev kis tus kabmob kis tau qis, lawv tseem qis dua li cov ntaub ntawv ua ntej kis tus kabmob. Hauv 2019, qhov nruab nrab tus nqi ntawm 30-xyoo qiv nyiaj tsuas yog qis dua 4%, raws li Freddie Mac cov ntaub ntawv.

Txawm li cas los xij, kev pheej yig hauv tsev yog qhov tseem ceeb ntawm lub siab thaum tus nqi nce. Cov nqi tsev loj hlob ntawm cov nqi sau tseg nyob rau lub caij ntuj sov xyoo 2021 raws li cov neeg yuav khoom sib tw dhau ntawm cov khoom muag qis ntawm cov tsev muag khoom.

Economists cia siab tias tus nqi tsev yuav nyob nruab nrab xyoo no. Ib lub koom haum National ntawm Realtor kev pom zoo kwv yees kwv yees kwv yees kwv yees hauv tsev nce 5.7% hauv 2022, qeeb qeeb los ntawm 2021 qhov kwv yees nce ntawm 14.6%.

Tab sis tsab ntawv ceeb toom Redfin tau tshaj tawm hnub Thursday qhia tias kev pab cuam tseem tsis tau los. Tus brokerage hais tias cov nqi tsev nyob rau lub lim tiam dhau los tau nce 16% xyoo dhau los rau qhov siab tshaj txhua lub sijhawm. Tus naj npawb ntawm cov tsev muag khoom, lub sijhawm no, poob rau qhov qis tshiab, Redfin tau hais.

Cov yam tseem ceeb no ua ke nrog kev nce ntawm cov neeg yuav khoom tam sim no nkag mus rau hauv kev ua lag luam txhawm rau txhawm rau nce nqi tsev qiv nyiaj tau teeb tsa rau "qhov kev sib tw tshaj plaws Lub Ib Hlis Lub Tsev Ua Lag Luam hauv keeb kwm sau tseg, Redfin tus thawj coj nyiaj txiag Daryl Fairweather tau hais. "Kuv cia siab tias los ntawm lub sijhawm qiv nyiaj nce mus rau 3.6%, kev sib tw yuav daws sai sai rau qib zoo ib yam li xyoo 2018," Fairweather ntxiv.

Cov nqi tsev qiv nyiaj tau poob rau qhov qis tshiab thaum muaj kev sib kis, tab sis tau nce ntau xyoo dhau los. Lub lim tiam no qhov nruab nrab 30 xyoo tas li yog 66 lub hauv paus ntsiab lus siab dua li tib lub lim tiam dhau los.

Kev nce nqi tuaj yeem ua rau muaj kev ntxhov siab ntxiv rau cov neeg yuav khoom hauv tsev, Khater tau hais. Nws tau hais tias "Kev nce nqi tsev qiv nyiaj kom txog rau tam sim no xyoo no tseem tsis tau cuam tshuam txog kev yuav khoom, tab sis muab qhov nrawm nrawm ntawm kev loj hlob hauv tsev, nws yuav ua rau qhov kev xav tau tsis ntev los no," nws hais.

Sau ntawv rau Shaina Mishkin ntawm [email tiv thaiv]