'Peb tab tom pom cov neeg yuav khoom thim rov qab': Daim ntawv qhia kev ua yeeb yam no nthuav tawm U-tig hauv kev lag luam vaj tsev vim cov neeg muag khoom txo nqi tsev

Qhov ntawd yog piv rau tsuas yog 4% ntawm cov tsev uas lawv cov nqi txo txhua lub lis piam nyob rau tib lub sijhawm xyoo dhau los.

Redfin cov ntaub ntawv rov qab mus rau xyoo 2015. Lub tuam txhab tau nruab nrab ntawm qhov sib koom ntawm cov npe uas tau pom tus nqi txiav plaub lub lis piam, kom ua kom tiav cov txiaj ntsig.

Taylor Marr, Tus Lwm Thawj Saib Xyuas Kev Lag Luam ntawm Redfin, tau hais ntxiv tias saib lub sijhawm loj dua, piv txwv li ib hlis, lub tuam txhab cov ntaub ntawv qhia tau hais tias ib feem peb ntawm cov tsev tam sim no tab tom poob nqi.

Marr hais rau MarketWatch hauv kev xam phaj tias "Peb yeej tsis tau siab li no."

Tsis zoo li cov neeg yuav khoom, uas muaj kev nkag siab ntau dua rau kev nce nqi tsev, "cov neeg muag khoom tsuas yog qeeb los cuam tshuam rau cov kev hloov pauv hauv kev thov ... lawv teeb tsa tus nqi raws li qhov lawv xav tias kev lag luam yog [thiab] feem ntau tsis kam muab lawv cov nqi qis, ” Marr hais.

Yog li ntawd rau cov neeg muag khoom, tus nqi yog me ntsis nplaum, nws ntxiv, thiab qeeb qeeb kom nqes.

Tab sis txawm tias nws siv sij hawm ntev, nws tau tshwm sim thaum kawg.

Tom qab tag nrho, cov nqi tsev qiv nyiaj yog nyob rau ntau lub xyoo caum siab, nrog rau 30-xyoo trending tsis tu ncua saum 7% txij hnub Friday yav tav su, raws li Tsev Neeg Xov Xwm Txhua Hnub. Thiab qhov ntawd zoo li yuav nce ntxiv, raws li 10-xyoo Treasury daim ntawv
TUBMUSD 10Y,
4.023%,
yog trending saum 4%.

Lub caij no, Redfin tau hais tias lub tsev nruab nrab ntawm lub khw tau teev nyob rau ntau dua $ 367,000, nce 7% tshaj xyoo tas los.

Qhov nyiaj txais txhua hli rau lub tsev ntawm tus paj laum tam sim no ntawm 6.92%, raws li Freddie Macyog $2,559.

Ib xyoos dhau los, thaum tus nqi nyob ntawm 3.05%, qhov nyiaj them txhua hli yuav tsuas yog $ 1,698.

Ob lub tswv yim rau cov neeg yuav khoom hauv tsev tawm tsam nrog cov nqi tsev siab

Cov neeg muag khoom tau poob lawv cov nqi los ntawm 4 mus rau 5% ntawm qhov nruab nrab, Marr tau hais.

"Koj yuav luag xav tias nws yuav phem dua," nws hais ntxiv, muab cov nqi nce sai npaum li cas thiab rhuav tshem lub zog yuav khoom.

Tab sis cov neeg yuav khoom thiab cov muag khoom kuj tseem siv ob lub tswv yim sib txawv kom tau txais qee qhov kev pab cuam ntawm cov nqi tsev, Marr tau hais.

Ib qho, cov neeg muag khoom tau ncav cuag cov neeg yuav khoom thiab muab kev pom zoo los yuav cov nqi tsev qiv nyiaj qis.

Hauv lwm lo lus, cov neeg muag khoom tau hais kom cov neeg yuav khoom them tus nqi nug tag nrho, tab sis thov kom siv ib feem ntawm qhov kev pom zoo kom tau txais cov neeg yuav khoom qis dua ntawm lawv cov nqi tsev.

Marr hais tias, "Qhov twg yog qhov tseem ceeb ntawm tus nqi poob," Marr hais tias, "nws yog tib yam ... tab sis nws tsis tas yuav tshwm sim hauv cov ntaub ntawv." Thiab nws yog ib qho nyuaj kom tau txais kev nkag siab ntawm qhov loj ntawm qhov no ua si li cas, nws hais ntxiv.

Nws ua haujlwm li cas, Marr piav qhia: Yog tias tus neeg yuav khoom tau nqis $ 100,000 rau 20% kev them nqi qis hauv lawv lub tsev ntawm 6.5% tus paj laum, lawv tuaj yeem faib 10% rau cov nyiaj them poob qis, thiab siv cov nyiaj seem ntawm $ 50,000 yuav. txo tus nqi qiv nyiaj rau 5%.

"5% tsis yog qhov phem heev, thiab nws yuav zoo li nyiaj txiag ntau, tab sis ... muaj feem yuav yog koj yuav tau txais kev txhawb siab rau refinance [ yav tom ntej] thiab koj yuav tau them tus nqi kaw ntawm qhov qiv nyiaj. rau refinance, uas tuaj yeem nce mus txog 15 qhov loj, "Marr ntxiv.

Cov neeg yuav khoom tseem tab tom hloov mus rau kev hloov pauv tus nqi qiv nyiaj, uas muab cov paj laum qis dua thaum pib ntawm lub sijhawm. ARMs yog ze li ntawm 12% ntawm tag nrho cov ntawv thov qiv nyiaj, Lub Koom Haum Nyiaj Txiag Nyiaj Txiag tau sau tseg rau hnub Wednesday, uas yog siab heev.

Qhov twg tus nqi poob

Raws li qhov twg cov nqi poob, ob peb qhov chaw sawv tawm rau Redfin.

Lawv hais tias cov nqi tsev poob 3% xyoo dhau ib xyoo hauv Oakland, Calif., thiab 2% hauv San Francisco. New Orleans kuj pom 2% poob.

Marr tau hais tias "Txawm tias nyob hauv Atlanta, lossis Orlando, peb pom cov neeg yuav khoom rov qab," Marr tau pom.

Yog li, nrog rau cov keeb kwm yav dhau los ntawm cov neeg muag khoom thaum kawg txo qis cov nqi teev, yog tias koj yog tus yuav khoom tam sim no, tsis txhob poob siab los ntawm kev nce nqi thiab tsis txhob saib, nws qhia.

Nws tau hais tias "Muaj lub sijhawm thaum cov nqi nqis nqis tiag tiag thiab muab sijhawm rau cov neeg yuav khoom kom dhia rov qab los thiab tau txais qee qhov kev pom zoo ntawm cov tsev uas tau poob lawv cov nqi," nws hais.

Ntxiv rau, "nws tsis mob siab ua kom muaj pob qis," Marr ntxiv. "Qee tus neeg muag khoom xav tau, thiab qhov ntawd tuaj yeem yog lub tswv yim zoo ... peb tau hnov ​​​​los ntawm peb tus kheej cov neeg sawv cev tias qee tus neeg yuav khoom tau txais txiaj ntsig zoo kawg tam sim no."

Tab sis yog tias koj xav tau qiv rau ib xyoos thiab tos rau tej yam kom siab, ces ua li ntawd, Marr hais tias, thiab khaws cov nyiaj khaws cia rau lub tsev npau suav ntawd.

Tau txais kev xav ntawm kev lag luam vaj tsev? Sau rau MarketWatch reporter Aarthi Swaminathan ntawm [email tiv thaiv]