Ob xyoos dhau los, cov nqi tsev tau nce siab thaum muaj kev cuam tshuam sib koom ua ke ntawm kev sib kis thoob ntiaj teb thiab cov khoom siv vaj tse tsis txaus. Nyob nruab nrab ntawm 2020 thiab 2022, tus nqi tsev nce 30%, Raws li Freddie Mac. Thiab los ntawm 2022, tus nqi muag nruab nrab rau ib lub tsev hauv Teb Chaws Asmeskas sawv ntawm $ 397,549, raws li Redfin.
Ntawm tag nrho cov kev ntxhov siab no, tsev qiv nyiaj yuav paj kuj tau nce siab heev, ua rau cov nyiaj them txhua hli ntau dua daunting. Lub teb chaws qhov nruab nrab nqi tsev tam sim no yog 6.9%, uas yog 3.8 ntsiab lus siab dua xyoo tas los nyob rau lub sijhawm no, Redfin qhia.
Muaj ntau yam uas yuav tsum tau xav txog thaum txiav txim siab ntau npaum li cas lub tsev koj tuaj yeem them taus yuav, thiab cov nyiaj hli yog qhov loj ntawm qhov sib npaug. Fortune Pom zoo cov kws kho cov ntawv sau cov lej los saib seb cov nyiaj hli twg yuav tsum tau khwv tau thiaj li them tau $ 400,000 tsev hauv Asmeskas
Txoj kev nce siab ntawm cov nqi tsev
Kev lag luam vaj tse kev caij tsheb qus nyob rau ob peb xyoos dhau los tau raug sau tseg zoo.
Thaum Lub Kaum Hli 2019, tus nqi muag nruab nrab rau lub tsev sawv ntawm $ 293,109, raws li Redfin cov ntaub ntawv. Tab sis qhov tshwm sim ntawm COVID-19 kis thoob qhov txhia chaw thaum Lub Ib Hlis 2020 tau ua rau muaj cua daj cua dub zoo tshaj plaws ntawm kev ua lag luam uas ua rau cov nqi tsev nce siab. Qhov no suav nrog cov ntaub ntawv qiv nyiaj qis qis, qhov tsis txaus ntawm cov khoom vaj khoom tsev raws li cov neeg nyob hauv qhov chaw thiab tuav tawm ntawm cov npe tsev muag khoom, thiab nce kev sib tw hauv tsev uas tau tsav los ntawm kev tswj hwm ntawm kev ua haujlwm nyob deb.
Scott Bergmann, tus neeg sawv cev nrog rau "Nyob rau xyoo 2021, lub tebchaws tau muag ntau lub tsev ntau dua li nws muaj nyob hauv tsib xyoos dhau los," Realty Ib. "Ib qho ntawm cov laj thawj loj tshaj plaws hauv tsev cov nqi tau nce ntau heev yog cov paj laum qis, uas txhawb nqa thiab zoo siab ntau tus neeg yuav khoom kom dhia mus rau hauv lub tsev yuav khoom. Thaum cov neeg yuav khoom hauv tsev ntau tau dhia mus rau hauv kev ua lag luam uas xav tau ntau ntxiv - tab sis cov khoom tsis tau nce ... yog li ntawd txhais tau tias cov neeg yuav khoom tau sib tw hnyav rau kev yuav tsev, thiab ntau tus neeg yuav khoom yuav tsum tau them me ntsis ntau dua tus nqi nug, txhawm rau ua tus pem hauv ntej khiav nrog cov neeg muag khoom hauv tsev. "
Vim tias cov neeg yuav khoom tau rub lawv tus kheej ntau heev los yeej lawv cov kev sib tw, kev muab ntawm $ 50,000 lossis ntau dua tus nqi nug tau dhau los ua qhov qub. Kev nrawm nrawm mus rau xyoo 2022, thiab qhov tshwm sim yog tus nqi muag khoom nruab nrab hauv tsev uas tau nce mus rau $ 397,549 thoob plaws lub tebchaws, uas suav nrog cov nqi qiv nyiaj tsis ntev los no nce ntxiv, yog lub nra hnyav rau ntau tus neeg yuav khoom hauv tsev.
Cov paj laum nce li cas cuam tshuam txog kev them taus
Cov paj laum yog lwm qhov tseem ceeb ntawm qhov puzzle thaum nws los txog rau vaj tse pheej yig nyob rau lub sijhawm tam sim no. Nyob rau hauv lub xyoo dhau los, lub Tsoom Fwv Teb Chaws Reserve tau nce cov nyiaj tau los ntawm tsoomfwv rau lub sij hawm, uas nyob rau hauv lem, tau tsav tus nqi ntawm cov neeg siv khoom qiv, nrog rau cov nqi tsev.
Raws li Redfin, cov paj laum txij li Lub Ib Hlis 2022 tseem tseem qis, ntawm qhov nruab nrab ntawm 3.4%. Tab sis los ntawm Lub Kaum Hli Ntuj xyoo no, lawv tau mus txog qhov nruab nrab ntawm 6.9%. Qhov kev hloov ntawd tau muaj kev poob qis rau cov neeg yuav khoom thiab txhua hli nqi tsev nyiaj them.
"Lub Ib Hlis, koj tuaj yeem yuav tsev $ 400,000 thiab muaj cov nyiaj them poob haujlwm thiab paj paj ntawm $ 1,550 toj ib hlis ntawm 3.125%. Tam sim no tus nqi ntawd nyob ib puag ncig 7%, tus neeg yuav khoom yuav tsev qiv nyiaj txhua hli yuav nce li ntawm $ 800 toj ib hlis, "hais tias Derek Amos, tus thawj tswj hwm qiv nyiaj laus nrog Kev sib nrig sib ntawm Omaha Mortgage.
Cov xov xwm phem, yam tsawg kawg rau lub sijhawm luv, yog tias cov nqi yuav nce siab ua ntej lawv pib nqis mus dua. Tsoom Fwv Teb Chaws Reserve yuav tsum tshaj tawm lwm tus nqi nce siab nyob rau nruab nrab Lub Kaum Ob Hlis. “Tus nqi yuav poob thaum kawg. Tab sis nws muaj peev xwm hais tias lawv yuav tau ze rau 9% ua ntej qhov ntawd tshwm sim. Lawv yuav tsis nyob qhov twg hauv 2021, ”Amos hais.
Koj yuav tsum tau npaum li cas los them $400,000 tsev
Yog li nrog rau tag nrho cov xwm txheej hauv siab, koj yuav tsum khwv tau npaum li cas thiaj li tsim nyog them tus nqi muag khoom nruab nrab tam sim no rau lub tsev hauv Tebchaws Meskas?
Raws li Brian Walsh, CFP thiab tus thawj coj loj ntawm kev npaj nyiaj txiag rau SoFi, ib lub tuam txhab fintech, koj li net, lossis nqa mus tsev, them nyiaj yuav tsum kwv yees li ntawm $ 10,500 txog $ 11,000 toj ib hlis kom them tau $ 400,000 lub tsev. Raws li cov nyiaj hli txhua xyoo, qhov ntawd yuav yog li ntawm $ 165,000 txog $ 195,000 nyob ntawm seb koj lub xeev nyob, cov ntaub ntawv sau se, thiab lwm yam kev txiav tawm, Walsh tau hais.
Walsh qhov kev suav yog ua raws li ntau qhov kev xav ntawm tus nqi.
Walsh hais tias "Qhov nruab nrab them nyiaj txhua hli rau $ 400,000 lub tsev yog $ 3,037," Walsh hais. "Qhov ntawd yog raws li thawj zaug tus neeg yuav khoom hauv tsev them nqi ntawm 7%, nruab nrab cov paj laum ntawm 6.61%, cov se vaj tse nruab nrab ntawm 1%, qhov nruab nrab Kev tuav pov hwm vaj tse ntawm $140 ib hlis, thiab nruab nrab Nyiaj Pov Hwm Ntiag Tug ntawm 0.6%.
Walsh cov lus qhia nyiaj hli kuj yog raws li lub tswv yim tias kev them nqi tsev, suav nrog se vaj tse thiab kev tuav pov hwm, yuav tsum tsis pub ntau tshaj 28% ntawm koj cov nyiaj tau los tag nrho. Qhov kev pom zoo no, txawm li cas los xij, yuav los yog tsis tsim nyog nyob ntawm koj qhov kev cog lus nyiaj txiag thiab nuj nqis.
“Yog tias koj muaj lwm yam nuj nqis loj xws li kev them nuj nqis lossis kev saib xyuas menyuam yaus, nws yuav nyuaj me ntsis kom ua raws li txoj cai ntawm tus ntiv tes xoo, ”Walsh piav qhia.
Nws tseem ceeb heev uas yuav tau taw qhia tias daim ntawv them nqi tsev txhua hli Walsh tau hais rau $ 400,000 lub tsev tuaj yeem sib txawv heev nyob ntawm yuav luag txhua qhov sib txawv siv hauv nws cov kev suav. Piv txwv li, yog tias tus neeg yuav khoom nqa nyiaj ntau dua rau ntawm lub rooj, qhov ntawd yuav txo qhov nyiaj qiv thiab yog li cov nyiaj qiv nyiaj txhua hli.
Tsis tas li ntawd, yog tias tus neeg yuav khoom muaj cov nyiaj them poob qis dua 20%, Kev Pov Hwm Nyiaj Pov Hwm Tus Kheej feem ntau raug tshem tawm, tshem tus nqi ntawd los ntawm qhov sib npaug. Qhov chaw ntawm lub tsev tseem cuam tshuam cov nqi tag nrho nrog rau cov nqi se vaj tse thiab cov nqi tuav pov hwm.
Hauv qab kab, hais tias Walsh? Nws yog ib qho tseem ceeb los khiav cov lej raws li koj cov peev nyiaj thiab cov xwm txheej tshwj xeeb. Koj tuaj yeem siv lub laij lej qiv nyiaj los ntsaws rau hauv koj cov lej kom pom tseeb npaum li cas tsev koj tuaj yeem them taus.
Tab sis nws hais ntxiv, tsis muaj qhov tsis lees paub cov neeg yuav khoom hauv tsev nyob hauv txoj haujlwm nyuaj zuj zus vim cov nqi tsev nce.
"Cov neeg qiv yuav xav tau cov nyiaj tau los ntau dua lossis ua kom cov nyiaj qis dua kom lawv cov nuj nqis-rau-cov nyiaj tau los theem tsim nyog," Walsh xaus.
Lub chaw muag khoom
Raws li kev lag luam vaj tsev txuas ntxiv mus, yog li ua rau cov nyiaj hli xav tau ntawm cov neeg yuav khoom hauv tsev. Nqa cov nyiaj them poob qis dua rau lub rooj yuav pab tau rau qhov chaw tam sim no, tab sis txawm tias koj nqa nyiaj ntau npaum li cas rau kev muag khoom, nco ntsoov khiav cov lej kom zoo thiab paub meej tias cov nyiaj txais qiv yuav haum rau koj cov nyiaj tau los thiab nyiaj txiag.
Zaj dab neeg no yog thaum chiv keeb los Fortune.com
Ntau los ntawm Fortune:
Cov neeg Amelikas nruab nrab yog qhov kawg ntawm lub sijhawm
Tau qhov twg los: https://finance.yahoo.com/news/much-money-earn-annually-comfortably-181013084.html