Cov no yog 10 lub tsev lag luam loj uas nyuam qhuav pom qhov poob loj tshaj plaws hauv vaj tsev

Raws li cov nqi tsev nce siab nyob rau hauv xyoo tas los no, cov tswv tsev nyiam cov ntaub ntawv ntawm cov khoom vaj khoom tsev sib npaug, uas yog cov nyiaj uas tus tswv tsev tuaj yeem qiv tawm tsam thaum tuav 20% feem pua. Tab sis qhov ntawd yog txhua yam hloov pauv raws li cov nqi tsev pib poob, nrog Lub Xya Hli pom qhov poob qis tshaj plaws hauv cov nqi tsev txij li xyoo 2011, raws li cov ntaub ntawv vaj tsev thiab cov tuam txhab tshuaj ntsuam xyuas Black Knight's Motgage Monitor tsis ntev los no. (Saib cov nqi qis tshaj plaws hauv tsev uas koj tuaj yeem tsim nyog rau ntawm no.)

Tseeb, thaum tappable equity ntaus lwm cov ntaub ntawv siab nyob rau hauv lub quarter thib ob ntawm lub xyoo, nws txoj kev loj hlob zoo li muaj peaked. "Txawm hais tias cov tswv tsev qiv nyiaj tau txais txiaj ntsig tau nce 25% los ntawm xyoo tas los mus rau lwm cov ntaub ntawv siab hauv Q2, peb tau sau tseg tias kev ncaj ncees tau nce siab thaum lub Tsib Hlis thiab taug qab qhov kev thim rov qab uas tau pib thaum Lub Rau Hli ua ntej nce hauv Lub Xya Hli," hais tias Ben Graboske, tus thawj tswj hwm. ntawm Black Knight Data & Analytics. "Tappable equity tam sim no poob 5% hauv ob lub hlis dhau los, teeb tsa Q3 kom pom qhov poob qis thawj peb lub hlis twg hauv tappable sib npaug txij li xyoo 2019."

Hauv qee qhov kev lag luam, qhov kev poob qis hauv kev sib npaug hauv tsev yog qhov tshwj xeeb, cov ntaub ntawv Black Knight tau tshaj tawm. Tsib ntawm cov kev lag luam muaj txiaj ntsig zoo tshaj plaws hauv West Coast tau pom tias muaj kev ncaj ncees poob qis los ntawm 10% mus rau 20% txij lub Plaub Hlis mus txog Lub Xya Hli. Nov yog qhov loj npaum li cas qhov kev poob qis hauv tappable equity nyob rau hauv 10 feem ntau muaj kev ncaj ncees kev lag luam nplua nuj:

• San Jose, -20%

• Seattle - 18%

• San Diego, -14%

• San Francisco -14%

• Los Angeles, -10%

• Washington DC, -4%

• Chicago, 6%

• Dallas 6%

• New York, 8%

• Miami, 8%

Lub caij no, ntawm 50 feem ntau kev lag luam kev lag luam nplua nuj, ntawm no yog qhov tshwm sim nrog kev sib tw hauv tsev:

• San Jose, -20%

• Seattle - 18%

• Oxnard, Calif. -14%

• San Francisco -14%

• San Diego, -14%

• Denver, -12%

• Sacramento, -12%

• Santa Cruz, -11%

• Riverside, Calif., -11%

• Los Angeles, -10%

Ib qho laj thawj loj vim li cas tappable equity down yog, ntawm chav kawm, tus nqi tsev poob qis. Tab sis nws kuj tseem yuav muaj qhov nce nyiaj paj tau los rau txim rau ntau npaum li cas kev ncaj ncees raug rho tawm, raws li kev nce nqi hloov pauv li cas cov tswv tsev coj lawv cov kev ncaj ncees. Cov tswv tsev yav dhau los tau ua kom zoo dua ntawm tus nqi qis dua los tshem tawm HELOCs thiab qiv nyiaj hauv tsev tau nce ze li 30% hauv peb lub hlis twg, qhov loj tshaj plaws nyob rau hauv yuav luag 12 xyoo.

Yuav xav li cas yog tias koj tab tom xav txog kev tawm HELOC

HELOCs zoo li yog txoj hauv kev pheej yig dua los qiv nyiaj ntau dua li daim npav rho nyiaj lossis qiv tus kheej, tshwj xeeb rau cov tswv tsev uas muaj kev ncaj ncees tseem ceeb hauv lawv lub tsev. Thiab lawv tuaj yeem yog qhov kev xaiv ntse rau cov neeg qiv nyiaj uas tab tom nrhiav kom sib sau cov nuj nqis siab lossis nyiaj txiag txhim kho tsev. Tab sis nws yog ib qho tseem ceeb kom tau txais koj cov nyiaj txiag hauv kev txiav txim, koj cov qhab nia credit kom siab npaum li qhov ua tau thiab mus kav khw rau cov nqi. Saib cov nqi qis tshaj plaws hauv tsev uas koj tuaj yeem tsim nyog rau ntawm no.

Nws tseem ceeb heev kom nkag siab tias HELOCs ua haujlwm li cas, ib yam nkaus. Lawv yog tsim los ntawm ob feem ntawm cov qauv, uas feem ntau yog 10-xyoo kos lub sijhawm thiab 20-xyoo them rov qab, uas ua ke sib npaug ntawm 30-xyoo lub sijhawm. Thaum lub sijhawm kos, cov qiv nyiaj tuaj yeem thim nyiaj ntau lossis tsawg npaum li lawv nyiam. Tab sis thaum lub sij hawm them rov qab pib, cov nyiaj tsis tuaj yeem thim rov qab thiab tus neeg qiv nyiaj pib them rov qab tus nqi ntxiv nrog rau cov paj.

Vim HELOCs yog raws li tus nqi ntawm kev ncaj ncees uas ib tug neeg muaj nyob hauv lawv lub tsev, cov nyiaj uas tus neeg qiv nyiaj tsim nyog yuav txawv. Nco ntsoov tias HELOCS zoo li muaj tus nqi sib txawv, uas yuav pib qis tab sis tuaj yeem nce yog tias tus nqi nce. Thiab vim tias koj tab tom siv koj lub tsev los ua pov thawj kom rho tawm cov nyiaj qiv zoo li no, koj yuav muaj kev pheej hmoo poob koj lub tsev yog tias koj tsis tuaj yeem ua koj cov nyiaj them poob haujlwm.