Cov paj laum ntawm Asmeskas cov nyiaj qiv tsev nrov tshaj plaws tau nce siab dua lub lim tiam no thaum muaj cov ntaub ntawv nyiaj txiag siab thiab kev txhawj xeeb ntxiv tias kev lag luam yog nyob rau ntawm qhov kev poob qis.
Qhov nruab nrab tus nqi ntawm a 30-xyoo them nqi tsev tam sim no yog ze li ob npaug ntawm qhov nws yog xyoo tas los, ib daim ntawv tshaj tawm tshiab qhia.
Ntawm cov paj laum tam sim no, kev them nqi tsev txhua hli rau cov nqi nruab nrab hauv tsev yog 59% siab dua li ib xyoos dhau los, raws li Realtor.com.
Cov nqi qiv nyiaj qis dua, ua ke nrog cov nqi tsev tseem mob, ua rau lub lag luam txias heev.
"Nws tau dhau los ua kom pom tseeb tias kev lag luam vaj tsev tau mus rau kev kho," said George Ratiu, tus kws tshaj lij nyiaj txiag laus nrog Realtor.com.
Tsis nco
30-xyoo taag-tus nqi qiv nyiaj
Qhov nruab nrab tus nqi ntawm 30-xyoo qiv nyiaj qiv tsev yog 5.54%, nce los ntawm 5.51% lub lim tiam dhau los, vaj tsev nyiaj txiag loj heev Freddie Mac tshaj tawm hnub Thursday. Lub sijhawm xyoo tas los no, 30-xyoo tus nqi yog qhov nruab nrab 2.78%.
Kev ua lag luam tau hnov qhov cua sov raws li tus nqi nce rau lub lim tiam thib ob ua ke. Qhov kev thov qiv nyiaj qiv nyiaj tau poob mus rau nws qhov qis tshaj plaws nyob rau hauv ntau tshaj ob xyoo lawm, thiab kev muag khoom tau poob rau lub hlis thib tsib.
Kev sib tw yog poob qis raws li cov neeg yuav khoom yuav poob tawm ntawm txoj kev yuav tsev.
Qee qhov 60,000 daim ntawv cog lus yuav raug muab tso tseg lub hli tas los, raws li cov Redfin vaj tse ruaj. Qhov ntawd suav nrog 14.9% ntawm cov tsev uas tau cog lus nyob rau lub hli thiab cov ntaub ntawv nyob ze.
Sam Khater, Freddie Mac tus kws tshaj lij nyiaj txiag hais tias "Kev txhawj xeeb ntawm cov neeg siv khoom nce, kev nce nqi thiab kev lag luam muaj peev xwm poob qis tau tshwm sim hauv kev xav tau," "Raws li qhov tshwm sim ntawm cov xwm txheej no, peb cia siab tias tus nqi hauv tsev yuav nce siab me ntsis."
Qhov nruab nrab tus nqi hauv tsev yuav tsum tau nce los ntawm 4% xyoo tom ntej, nqis los ntawm 12.8% xyoo no, raws li qhov tshiab forecast los ntawm Freddie Mac.
15-xyoo taag-tus nqi qiv nyiaj
15-xyoo-laus tus nqi qiv nyiaj - nrov nrog cov tswv tsev rov qab - yog qhov nruab nrab 4.75%, nce los ntawm 4.67% lub lim tiam dhau los, Freddie Mac hais. Tus nqi 15-xyoo yog ntau dua ob npaug uas nws tau nyob rau xyoo tas los ntawm lub sijhawm no thaum nws nruab nrab 2.12%.
Cov nqi qis dua ua rau lub tsev lag luam muaj kev sib npaug hauv ntau thaj chaw. Nyob rau hauv Austin, piv txwv li, cov neeg yuav khoom tau txais kev sib txuas lus zoo li kev muag khoom lub hli tas los poob 20% thiab cov npe tshiab tau nce los ntawm tib tus nqi.
"Thaum peb saib cov ntaub ntawv thoob plaws Austin lub tsev lag luam, nws txhawb nqa qhov peb pom ntawm lub teb chaws: kev sib xyaw ua ke ntawm kev xav tau txias los ntawm kev nce nqi ntawm cov nqi tsev thiab cov nqi nce ntxiv nrog kev nce siab hauv cov khoom," Ratiu hais.
"Kev hloov pauv tau txais cov xov xwm zoo siab rau cov neeg yuav khoom ntau dua uas tuaj yeem npaj tau txais qhov tseeb tom qab kis thoob qhov txhia chaw thiab coj kom zoo dua ntawm cov khoom muag ntau dua."
5-xyoo adjustable-tus nqi tsev qiv nyiaj
Ntawm 4.31%, tsib xyoos hloov pauv-tus nqi qiv nyiaj - lossis tsib xyoos ARM - tau nqis los ntawm lub lim tiam dhau los thaum nws nruab nrab 4.35%. Xyoo tas los nyob rau lub sijhawm no, tus nqi luv luv nruab nrab yog 2.49%.
Tus nqi ntawm adjustable mortgages yog khi rau tus nqi tseem ceeb. ARMs pib nrog cov nqi paj qis dua, tab sis lawv tuaj yeem nce siab thaum lub sijhawm pib tus nqi tas mus li.
Lub lim tiam no me ntsis poob qis tuaj yeem thawb qee tus neeg yuav khoom rau hauv ARMs. Cov uas tau txais tsib xyoos ARM tam sim no cia siab tias lawv yuav muaj kev xaiv rov qab mus rau qhov qis dua, cov nqi tsev qiv nyiaj los ntawm lub sijhawm lawv lub sijhawm tsib xyoos tas sijhawm.
Dab tsi tuaj yeem ua rau cov nqi nce siab dua?
Cov nqi tsev qiv nyiaj tau nce siab nyob rau lub hlis tsis ntev los no raws li Tsoom Fwv Teb Chaws Reserve tau ua hiking nws tus kheej qiv tus nqi hauv nws txoj kev tawm tsam kev nce nqi, txawm hais tias cov kws tshuaj ntsuam txhawj xeeb cov kev mus ncig no tuaj yeem ua tau ua rau muaj kev poob nyiaj txiag.
Lub lim tiam tom ntej, lub tuam txhab nyiaj hauv nruab nrab xav tias yuav nce nws cov txiaj ntsig rau plaub lub xyoo no.
Freddie Mac kwv yees tias 30-xyoo kev qiv nyiaj yuav yog nruab nrab 5% xyoo no - ob feem pua ntawm cov ntsiab lus siab dua qhov nruab nrab xyoo tas los. Xyoo tom ntej, tus nqi yuav tsum nruab nrab 5.1%.
"Thaum lub lag luam txias, nws tsis tuaj yeem nres," hais tias Shoshana Godwin, tus neeg saib xyuas vaj tse Redfin hauv Seattle. Nws qhia tias cov neeg yuav khoom uas tseem tuaj yeem them taus yuav hauv khw niaj hnub no ua li ntawd thaum kev sib tw poob qis.
Tseeb tiag, kev ua haujlwm qiv nyiaj, qhov taw qhia ntawm lub lag luam lub zog lossis qhov tsis muaj zog, tau poob rau peb lub lis piam ua ke thiab tau mus txog qhov qis tshaj plaws txij li xyoo 2000.
Cov ntawv thov qiv nyiaj tau poob 6.3% los ntawm ib lub lis piam ua ntej, raws li kev tshawb fawb tshiab los ntawm cov Koom haum qiv nyiaj qiv nyiaj koom haum.
Yuav nyeem dab tsi tom ntej
Zwm npe rau peb tsab ntawv xov xwm MoneyWise kom tau txais kev ntws tsis tu ncua cov tswv yim ua tau los ntawm Wall Street cov tuam txhab saum toj kawg nkaus.
Teb Chaws Asmeskas tsuas yog ob peb hnub deb ntawm qhov 'tawg tawg tag' ntawm kev nce nqi - ntawm no 3 shockproof sectors los pab tiv thaiv koj cov ntaub ntawv
'Muaj ib lub khw muag nyuj nyob qhov twg': Jim Cramer cov lus nto moo qhia koj tuaj yeem khwv tau nyiaj txawm tias muaj dab tsi. Nov yog 2 lub zog tailwinds coj kom zoo dua hnub no
Kab lus no muab cov ntaub ntawv nkaus xwb thiab yuav tsum tsis txhob muab txhais ua cov lus qhia. Nws tau muab yam tsis muaj kev lees paub ntawm txhua yam.
Tau qhov twg los: https://finance.yahoo.com/news/mortgage-rates-nearly-doubling-since-130000514.html