Yuav ua li cas yuav tshwm sim rau cov nqi tsev sai sai?
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Lo lus ntawm txoj kev yog tias Tsoom Fwv Teb Chaws Reserve tuaj yeem nce tus nqi los ntawm 1% ntawm lawv lub rooj sib tham Lub Xya Hli 26 - raws li lawv sim ua kom muaj kev nce nqi uas tam sim no zaum ntawm 40-xyoo siab. Barron tus Tsis ntev los no tau sau tseg tias: "Nrog kev nce nqi kub heev, Fed tus nqi nce ntxiv tuaj yeem yog qhov loj tshaj plaws hauv kaum xyoo," thiab ntau qhov chaw - los ntawm CNBC rau CBS Xov xwm - tab tom kwv yees txog 1% tus nqi nce ntawm lub rooj sib tham. Yog tias Fed ua tus nqi nce, qhov ntawd txhais tau li cas rau cov nqi tsev? (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais tam sim no ntawm no.) Peb nug XNUMX tus kws tshaj lij lawv txoj kev xav.
Thawj qhov uas yuav tsum nco ntsoov yog tias Tsoom Fwv Teb Chaws Reserve tsis tau teeb tsa cov nqi tsev, thiab tsis muaj kev sib raug zoo ntawm lub tuam txhab nyiaj hauv nruab nrab qhov kev txav mus los thiab dab tsi tshwm sim nrog cov nqi tsev qiv nyiaj. Tab sis, "nws tau hais ntau zaus tias cov qiv nyiaj qiv nyiaj yuav los tom ntej Fed tus nqi nce mus rau cov nqi qiv nyiaj uas lawv muab ua ntej Fed txawm tshaj tawm," hais tias Jacob Channel, LendingTree tus kws tshaj lij nyiaj txiag laus. "Vim tias kev nce nqi nce siab npaum li nws yog thiab vim tias kev lag luam tsis paub tseeb zoo li loj hlob ntawm cov neeg siv khoom thiab kev lag luam, qee tus qiv nyiaj yuav xav tias muaj kev ntxhov siab rau kev nce nqi," Channel hais. Qhov no txhais tau hais tias cov nqi yuav nyob ntawm qhov chaw lawv nyob tam sim no, txawm tias Fed tshaj tawm txoj kev taug kev loj dua li qhov xav tau, nws hais.
Tab sis yog tias tus nqi nce, Channel tsis cia siab tias lawv yuav nce siab dua 6%; thiab nws hais ntxiv tias txawm tias lawv tau nce siab tom qab tshaj tawm tom ntej, nws hais tias lawv tuaj yeem poob rov qab sai sai tom qab ntawd. "Qhov no yog qhov tshwm sim tom qab lub hli tas los qhov kev nce qib 75-qhov tseem ceeb thaum cov nqi tsev qiv nyiaj nce siab los ntawm 50 lub hauv paus ntsiab lus rau 5.78% ua ntej nws thiaj li txias mus rau lawv cov qib tam sim no nyob ib ncig ntawm 5.51%, "hais Channel. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais tam sim no ntawm no.)
Rau nws feem, Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate, hais tias: "Qhov kev cia siab ntawm Fed pem hauv ntej-loading lawv cov paj laum thiab ua ntau dua sai dua tom qab, tej zaum yuav pab khaws lub hau ntawm cov nqi tsev lossis txawm tias ua rau lawv poob. ” Qhov tseeb, ntau tus nqi hikes tam sim no txhais tau tias tsawg dua tus nqi nce tom qab uas txhais tau tias lub sij hawm rau cov paj laum siab tshaj plaws tau nce mus thiab qhov kev poob qis hauv cov nqi vim kev lag luam tsis muaj zog kuj tshwm sim sai dua, nws sau tseg. "Tab sis txhua yam no nyob ntawm, thiab txawm tias xav tias, qhov kev nce nyiaj nce siab sai sai. Yog tias tsis yog, txhua qhov kev twv txiaj yuav raug kaw, ”McBride hais.
Sean Roberts, tus thawj coj ua haujlwm ntawm lub tsev muag khoom pib Orchard, hais tias 1% kev nce qib yuav zoo li tsis muaj kev cuam tshuam loj rau cov nqi tsev nyob ze. Roberts hais tias "Cov nqi tsev qiv nyiaj ntau dua muaj feem cuam tshuam nrog 10-xyoo US Treasury yield, uas yog txiav txim los ntawm kev lag luam rog thiab tsis tau tsav los ntawm Fed tus nqi cai," Roberts hais. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais tam sim no ntawm no.)
Tab sis rau nws feem, Holden Lewis, tsev qiv nyiaj thiab tus kws tshaj lij hauv tsev ntawm NerdWallet, hais tias thaum qhov tshwm sim tam sim no yuav yog qhov nce nqi tsev qiv nyiaj ntawm ib lub hlis twg ntawm ib feem pua ntawm cov ntsiab lus lossis tsawg dua, tom qab kev zom cov xov xwm, cov tub ua lag luam tuaj yeem txiav txim siab tias Fed yog. muab kev lag luam ntawm kev pheej hmoo ntawm kev lag luam poob qis. "Kev ntshai ntawm kev lag luam tuaj yeem xa cov nqi qiv nyiaj qis qis thiab qhov kev hloov pauv ntawm cov nqi qiv nyiaj tsis yog nyob ntawm seb lub tuam txhab nyiaj hauv nruab nrab nce nyiaj hauv tsoomfwv tus nqi npaum li cas, tab sis cov lus lawv siv los piav qhia qhov kev nqis tes ua," Lewis hais.
Cov nqi tsev qiv nyiaj tau hnyav hnyav rau yav tom ntej kev cia siab tias yuav muaj dab tsi tshwm sim, yog li Fed nce ntawm qhov loj no twb raug nqi rau hauv kev ua lag luam, hais tias Cameron Findlay, tus kws tshaj lij nyiaj txiag ntawm AmeriSave Mortgage Corp. thiab nws sawv rau qhov laj thawj tus nqi qiv nyiaj yuav poob qis yog tias Fed tsis nce tag nrho 1%, Findlay hais tias: "Cia li ceev faj thaum xaiv koj tus qiv nyiaj ntau npaum li cas nws yuav siv sijhawm los kaw koj cov nyiaj qiv. Lub sij hawm hauv kev lag luam tsis hloov pauv yog qhov tseem ceeb thiab tuaj yeem ntxiv ntau txhiab tus nqi rau koj cov nyiaj qiv yog tias koj tsis ceev faj. "
"Yog tias Fed nce tus nqi los ntawm 1% thiab cov phiaj xwm kev ntseeg siab tias yav tom ntej tus nqi nce mus ntxiv yuav tshwm sim los tiv thaiv kev nce nqi ntxiv, cov nqi tsev qiv nyiaj yuav zoo li nce siab me ntsis, yog tias tag nrho, los ntawm qhov chaw lawv nyob niaj hnub no," hais tias Eileen Derks, tus thawj coj ntawm tsev qiv nyiaj. Laurel Road.
Tau qhov twg los: https://www.marketwatch.com/picks/the-feds-next-interest-rate-hike-might-be-the-biggest-in-decades-so-we-asked-6-real-estate- pros-what-might-that-do-to-mortgage-rates-01658191514?siteid=yhoof2&yptr=yahoo