Dab tsi yog qhov hu ua 'tus nqi qiv nyiaj tiag' thiab nws puas tseem ceeb?
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Kuv sau txog cov nqi qiv nyiaj txhua lub lim tiam, tab sis tsis ntev los no, kuv tau hnov txog qee qhov chaw hais txog qhov hu ua "tus nqi qiv nyiaj tiag." Nyob rau hauv ib tug nutshell, qhov no yog tus paj laum ntawm cov nyiaj qiv nyiaj rho tawm tus nqi nce nqi tam sim no. Kate Wood, tus kws tshaj lij hauv tsev ntawm NerdWallet hais tias "Nrog kev nce nyiaj nce siab tam sim no, txawm tias cov nqi tsev qiv nyiaj tau nce siab, tus nqi qiv nyiaj tiag yog tus lej tsis zoo," hais tias Kate Wood, tus kws tshaj lij hauv tsev ntawm NerdWallet. "Tam sim no, nrog CPI ntawm 9.1%, yog tias koj muaj qiv nyiaj nrog 5% paj laum, koj qhov nqi qiv nyiaj tiag yog -4.1%. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais ntawm no.)
Nws yog Mischa Fisher, tus kws tshaj lij nyiaj txiag ntawm Angi, uas nyuam qhuav hais rau peb tias: Qhov no yog thawj zaug hauv 40 xyoo uas peb tau muaj qhov tsis zoo tiag tiag ntawm kev qiv nyiaj. Qhov ntawd txhais tau hais tias tus nqi nce nqi ntau dua li cov paj laum - yog li mob hnyav li 5.5% qiv nyiaj yog txheeb ze rau 2.9% qiv nyiaj, nws tseem yog qhov zoo dua li qhov chaw nres tsheb hauv cov nyiaj ntsuab. "Tsuas yog 48 lub hlis hauv 51 xyoo dhau los tau muaj cov paj laum tsis zoo, yog li keeb kwm qhia tias cov nqi yuav tsum tau nce ntxiv lossis kev nce nqi yuav tsum poob," Fisher hais.
Yeej, tus nqi tiag tiag ntawm cov paj laum, txawm tias qiv nyiaj los yog lwm yam, yog tus nqi tom qab koj tau them. "[Qhov no} yog ib qho kev ntsuas zoo dua ntawm tus nqi tseeb ntawm cov nuj nqis raws li qhov cuam tshuam ntawm kev yuav lub zog," Greg McBride, tus kws tshuaj ntsuam nyiaj txiag ntawm Bankrate hais. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais ntawm no.)
Kom paub meej, feem ntau cov kws tshaj lij uas peb tau tham nrog hais tias siv tus nqi qiv nyiaj tiag tsis yog qhov txiaj ntsig ntev. "Tus nqi tiag tiag yog qhov ntsuas tau zoo tshaj plaws nyob rau lub sijhawm txuas ntxiv es tsis yog nyob ntawm ib qho ntawm lub sijhawm. Tom qab tag nrho, koj yuav them nyiaj rau qhov qiv nyiaj mus txog 30 xyoo, "McBride hais. Thiab Ntoo sau tseg tias txawm tias tus nqi qiv nyiaj tiag tiag yog tus lej tsis zoo, koj tseem them koj cov nqi tsev, thiab tus lej no tsis dav thiab "tsis meej pem" rau cov qiv nyiaj.
Thaum nyob rau saum npoo, tus nqi ntawm 5% thaum nce nqi yog 9% suab zoo li nyiag. "Tab sis koj tus nqi 5% yog kho rau 30 xyoo thiab kev nce nqi yuav tsis nyob ntawm 9% mus ib txhis. Dab tsi zoo li niaj hnub no yuav siv tag nrho lwm lub ntsiab lus yog tias kev nce nqi poob rau, hais 3%, hauv ob peb xyoos, "hais McBride. Tau kawg, yog tias qhov ntawd tshwm sim, koj tuaj yeem thim rov qab (tsuas yog nco ntsoov tias muaj tus nqi). Thiab McBride sau tseg tias: "Lub sijhawm dhau los, kev nce nqi tau kwv yees li ntawm 2.5% thiab rau cov tswv tsev uas tau kaw rau hauv qis-3% tus nqi hauv xyoo 2020 lossis 2021, lawv kuj tau kaw rau hauv tus nqi tiag tiag uas yuav tsum khiav zoo nkauj ze li 0% rau lub neej. cov nyiaj qiv," hais tias McBride.
Yog li yog tias koj tsis muaj hmoo txaus los xauv rau hauv cov nqi, qhov no txhais li cas rau koj txog kev txais qiv nyiaj tam sim no? Wood hais tias "Saib cov nqi qiv nyiaj tiag tiag tuaj yeem hloov koj txoj kev xav ntawm qhov txiaj ntsig zoo npaum li cas," Wood hais. Tab sis ib yam uas cov neeg yuav khoom hauv tsev yuav tsum nco ntsoov, raws li LendingTree tus kws tshaj lij nyiaj txiag laus Jacob Channel, yog cov kab hauv qab los rau qhov no: Qhov siab dua qhov APR uas tus neeg yuav khoom tau muab, qhov nyiaj qiv yuav kim dua. "Cov tswv tsev yuav tsum nco ntsoov saib xyuas tag nrho ntawm lawv cov nqi tsev, tsis yog tsuas yog zeroing ntawm ib lossis ob ntawm nws cov yam ntxwv. APR pab lawv ua li ntawd, "Channel hais. (Saib cov nqi tsev qis tshaj plaws uas koj tuaj yeem tau txais ntawm no.)
Cov lus qhia, cov lus pom zoo lossis cov qeb uas tau hais hauv tsab xov xwm no yog cov ntawm MarketWatch Picks, thiab tsis tau raug tshuaj xyuas lossis pom zoo los ntawm peb cov koom tes ua lag luam.
Tau qhov twg los: https://www.marketwatch.com/picks/the-real-mortgage-rate-is-a-negative-number-as-inflation-stubbornly-sits-at-a-40-year-high-do- 01659984383?siteid=yhoof2&yptr=yahoo