Cov nqi tsev qiv nyiaj txuas ntxiv lawv qhov poob qis los ntawm qhov siab tshaj ntawm 7.08% thaum lub Kaum Ib Hlis, ua rau lawv poob qis tshaj peb lub lis piam hauv 14 xyoo.
"Cov nqi tsev qiv nyiaj txuas ntxiv poob rau lub lim tiam no raws li qhov kev cia siab loj hlob nyob ib puag ncig qhov kev cia siab tias Tsoom Fwv Teb Chaws Reserve yuav qeeb nws cov nqi nce mus," hais tias Freddie Mac tus thawj coj nyiaj txiag Sam Khater.
Qhov ntawd tau hais tias, kev thov qiv nyiaj qiv nyiaj poob qis dua ib zaug ntxiv, vim tias ntau tus neeg yuav khoom hauv tsev tseem raug nqi tawm ntawm kev ua lag luam thiab ceev faj txog kev lag luam tsis hloov pauv.
"Txawm tias tus nqi txo qis thiab cov nqi tsev muag muag, kev lag luam tsis paub tseeb tseem txwv cov neeg yuav khoom hauv tsev thaum peb nkag mus rau lub hli dhau los ntawm lub xyoo," Khater hais.
Tsis nco
Cov nqi tsev tsev nyob rau lub lim tiam no
30-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab 30-xyoo tus nqi qiv nyiaj poob rau 6.49%, nqis los ntawm 6.58% lub lim tiam ua ntej, Freddie Mac tau tshaj tawm hnub Thursday. Ib xyoo dhau los, 30-xyoo tus nqi nruab nrab yog 3.11%.
Cov nqi tsev qiv nyiaj pib poob qis dua 7% tom qab cov ntaub ntawv nyiaj txiag tsis ntev los no tau tshaj tawm thaum nruab nrab Lub Kaum Ib Hlis. Tus neeg siv khoom ntsuas tus nqi yog nyob ntawm 7.7%, los hauv qab tus kws tshawb fawb kev lag luam.
“Cov ntaub ntawv qhia tau hais tias cov nqi tsev yuav tau nce siab. Tom qab tshaj li 7% qhov pib ntawm lub lim tiam thib ob ntawm lub Kaum Ib Hlis, cov nqi tau nce thaum kawg vim kev nce nqi txias, " sau Nadia Evangelou, tus kws tshaj lij nyiaj txiag laus rau National Association of Realtors.
Evangelou ntseeg tias cov nqi yuav ruaj khov ntawm 6% yog tias kev nce nqi tseem qeeb.
15-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab 15-xyoo qiv nyiaj qiv tsev kuj poob los ntawm 5.90% lub lim tiam dhau los mus rau 5.76% lub lim tiam no. Nyob rau tib lub sijhawm ib xyoos dhau los, 15-xyoo tus nqi yog 2.39%.
Tab sis txawm hais tias qhov kev rov hais dua hauv cov nqi tsev qiv nyiaj nce siab tuaj yeem yog "cov xov xwm zoo siab," cov nqi vaj tsev nyob rau xyoo 2023 tseem xav tias yuav nce siab ntxiv, ceeb toom George Ratiu, tus thawj coj ntawm kev tshawb fawb nyiaj txiag ntawm Realtor.com.
Nyeem ntxiv: 10 qhov zoo tshaj plaws kev nqis peev apps rau 'ib zaug-hauv-ib- tiam' txoj hauv kev (txawm tias koj yog tus pib)
"Cov nyiaj hauv ob sab phlu yog tias cov khoom muag ntawm cov tsev muag khoom txuas ntxiv mus, txawm tias cov neeg muag khoom tau nqis rov qab los ntawm kev ua lag luam lub caij nplooj zeeg no," Ratiu ntxiv. "Cov neeg yuav khoom uas npaj tau tuaj yeem cia siab tias muaj ntau yam khoom xaiv los ntawm, thiab txoj haujlwm sib tham zoo dua."
Cov tsev txhab nyiaj loj tshaj plaws tau nce kev qiv nyiaj hauv 2023
Federal Housing Finance Agency (FHFA) tshaj tawm Hnub Tuesday hais tias Fannie Mae thiab Freddie Mac yuav nce qhov kev txwv ntawm qhov pib ua raws li kev qiv nyiaj (qhov qiv nyiaj siab tshaj plaws rau ib chav tsev) rau $ 726,200. Qhov no yog nce ntawm $ 79,000 los ntawm $ 647,200 hauv 2022.
Hauv kev lag luam pricier, zoo li San Francisco thiab New York City, lub qab nthab qiv yuav ntaus dua $ 1 lab.
Xyoo tom ntej qhov kev nce qib tsis siab npaum li cov uas tsoomfwv tau siv rau xyoo 2022, vim tias cov nqi tsev qeeb. Txawm li cas los xij, qee tus kws tshaj lij tseem txhawj xeeb.
"Thaum kawg, qhov kev txhawb nqa no txhawb nqa cov nqi hauv tsev, ua rau muaj kev nyuaj siab txog kev pheej yig uas peb ntsib hauv kev lag luam niaj hnub no," lub koom haum kev lag luam Housing Policy Council hais tias nyob rau hauv ib daim ntawv qhia.
Daim ntawv thov qiv nyiaj tsis kam dua
Txawm hais tias tus nqi qis dua, daim ntawv thov qiv nyiaj poob qis 0.8% los ntawm lub lim tiam dhau los, raws li Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag (MBA).
"Kev lag luam ntawm no thiab txawv teb chaws tsis muaj zog, uas yuav tsum ua rau kev nce nqi qis dua thiab tso cai rau Fed kom qeeb qeeb ntawm kev nce nqi," hais tias Joel Kan, tus lwm thawj coj thiab tus thawj coj saib xyuas nyiaj txiag ntawm MBA.
"Kev yuav khoom tau nce me ntsis tom qab hloov kho rau hnub Thanksgiving, tab sis qhov poob ntawm cov nqi tseem tsis txaus los coj rov qab ua haujlwm rov qab."
Cov ntawv thov nyiaj rov qab poob qis dua 13% - cim lawv cov qib qis tshaj txij li xyoo 2000. Lawv kuj tseem qis dua 86% piv rau tib lub lim tiam dhau los.
Yuav nyeem dab tsi tom ntej
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/optimism-grows-mortgage-rates-post-150000980.html