Moolelo o ka moraki ma ka US
Ua hōʻike ʻia nā kumukūʻai moraki i ka mahina i hala aku nei i ka awelika haʻahaʻa haʻahaʻa o kēlā me kēia mahina ma mua o ʻekolu mau makahiki, a ʻike ʻia ʻaʻole ia he pōkole wale nō ma ka radar. Wahi a nā wānana ʻoihana ʻekolu, e hoʻomau maikaʻi ʻia ke ʻano o ka moraki haʻahaʻa, ka ulu ʻana o ke kumu kūʻai hale a me ka hoʻonui ʻana i ka hale i 2020.
I nehinei nei, ua hōʻike ʻo Freddie Mac i ka awelika o ka 3,65% ma nā hōʻaiʻē paʻa paʻa 30-makahiki, ʻo ia ka 1,06% hāʻule mai ka makahiki i hala. Inā mākou e nānā i nā wānana o ka hui, a me nā mea hoʻokele waiwai ma Fannie
Wahi a Freddie Mac economists, ʻo ka hapahā ʻehā o 2019 ka awelika 3,7% o ka hoihoi ma 30 mau makahiki, nā hōʻaiʻē paʻa, a ʻo 2019 ka awelika 4% holoʻokoʻa. Manaʻo ʻo Fannie Mae i ka makahiki he 3,9%, aʻo ka Mortgage Bankers Association e wānana i ka 3,8%.
E like me ka wehewehe ʻana o nā mea hoʻokele waiwai ma Freddie Mac, "ʻo ka hopohopo no ka hoʻoholo ʻana i nā hoʻopaʻapaʻa kālepa ua hoʻokomo i ka volatility i nā mākeke pili honua. Ua holo ka poʻe hoʻopukapuka i ka palekana a me ka paʻa o nā waihona kālā o ʻAmelika, me ka hoʻohaʻahaʻa ʻana i nā kumukūʻai. Ke holo nei ke kamaʻilio ʻana o ke kālepa, e hahai ana ka uku pānaʻi. ʻOiai ka liʻiliʻi o nā kumukūʻai, manaʻo mākou e noho paʻa nā kumukūʻai no ka wā lōʻihi ma ka awelika… ʻO nā haʻawina haʻahaʻa haʻahaʻa e mālama haʻahaʻa i ka uku moraki i nā wahi e hiki mai ana.
Nā uku moraki mōʻaukala mai ka makahiki 1950 UK
Ma waena o ʻApelila 1971 a me ʻApelila 2022, ʻo 30 mau makahiki o ka moraki he 7,78%. No laila ʻoiai me ka FRM 30 makahiki e kolo ana ma luna o 5%, ʻoi aku ka maʻalahi o nā kumukūʻai e hoʻohālikelike ʻia i nā kumukūʻai moraki.
Eia kekahi, makemake nā mea hoʻopukapuka e kūʻai i nā moraki-backed securities (MBS) i ka wā paʻakikī o ka hoʻokele waiwai no ka mea he palekana palekana. Mālama nā kumukūʻai MBS i nā kumukūʻai moraki, a ʻo ka wikiwiki o ke kapikala i MBS i ka wā maʻi maʻi i kōkua i ka haʻahaʻa haʻahaʻa.
I ka pōkole, kuhikuhi nā mea a pau i ka piʻi ʻana o ka uku i ka makahiki 2022. No laila, mai manaʻo e iho ka uku o ka moraki i kēia makahiki. Hiki iā lākou ke iho i lalo no nā manawa pōkole, akā e ʻike paha mākou i kahi ʻano piʻi nui i nā mahina e hiki mai ana.
No ka laʻana, me ka helu ʻaiʻē o 580, hiki iā ʻoe ke ʻae wale i kahi hōʻaiʻē kākoʻo aupuni, e like me ka moraki FHA. He haʻahaʻa haʻahaʻa nā hōʻaiʻē FHA, akā ua hoʻokomo pū lākou i ka ʻinikua moraki, ʻaʻole pili i ka nui o kāu waiho ʻana.
Hāʻawi maʻamau nā moraki helu ʻokoʻa haʻahaʻa haʻahaʻa haʻahaʻa haʻahaʻa ma mua o ka moraki 30 makahiki. Eia nō naʻe, hiki ke hoʻololi ʻia kēlā mau uku ma hope o ka manawa uku paʻa mua.
Moolelo o ka uku panee ma ka US
Ua kōkua kā mākou poʻe loea iā ʻoe e hoʻokele i kāu kālā no nā makahiki he ʻehā. Hoʻoikaika mau mākou e hāʻawi i nā mea kūʻai aku i ka ʻōlelo aʻoaʻo a me nā mea hana e pono ai lākou e kūleʻa i loko o ka huakaʻi kālā o ke ola.
ʻAʻole uku kā mākou mea hoʻolaha iā mākou no nā loiloi maikaʻi a i ʻole nā manaʻo. Loaʻa i kā mākou pūnaewele nā papa inoa manuahi a me ka ʻike e pili ana i nā lawelawe kālā like ʻole, mai nā moraki a i ka waihona kālā a i ka ʻinikua, akā ʻaʻole mākou e hoʻokomo i kēlā me kēia huahana ma ka mākeke. Eia kekahi, ʻoiai mākou e hoʻoikaika nei e hana i kā mākou papa inoa e like me ka hiki, e ʻoluʻolu e nānā me nā mea kūʻai aku no ka ʻike hou loa.
ʻO ka 30-makahiki Mortgage Rate Trends I kēia lā, Pōʻakahi, Mei 23, 2022, ʻo ka awelika o ka moraki 30-makahiki i kēia manawa he 5,39%, e paʻa mau ana i ka pule i hala. No nā mea hale e ʻimi nei e hoʻihoʻi kālā, ʻo ka awelika 30-makahiki refinance i kēia manawa he 5.31%, ma lalo o 4 kumu kumu mai ka pule aku nei.
No kēia lā, Pōʻakahi, Mei 30, 23, ʻo 2022% ka nui o ka moraki ma waena o 30 mau makahiki, e paʻa mau ana i ka pule i hala. No nā mea hale e ʻimi nei e hoʻihoʻi kālā, ʻo ka median 5,39-makahiki refinance rate i kēia manawa he 30%, ma lalo o 5,31 kumu kumu mai ka pule aku nei.
70s uku panee
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i uku ʻia ai nā Insiders (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea o nā makana i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo e hōʻike ana ia ʻike i nā huahana āpau a i ʻole nā haʻawi i loaʻa ma ka mākeke.
ʻO ka awelika ukupanee ma ka moraki paʻa 30-makahiki kaulana loa he 4,31%, e like me ka ʻikepili mai ka S&P Global. Ke loli mau nei nā kumukūʻai moraki, a he nui nā kumu e hiki ke hoʻololi i kāu uku uku. ʻOiai ʻo kekahi o lākou he mau mea pilikino āu e hoʻomalu ai, a ʻo nā mea ʻē aʻe ʻaʻole ʻoe, he mea nui e ʻike i ke ʻano o kāu uku paneʻe i ka wā e hoʻomaka ai i ke kaʻina o ka loaʻa ʻana o kahi hōʻaiʻē moraki.
He aha nā kumukūʻai moraki i kēia manawa? ʻOiai e loli ana nā kumukūʻai moraki i kēlā me kēia lā, ʻo 2020 a me 2021 nā makahiki o ka haʻahaʻa haʻahaʻa no ka moraki a me ka hoʻihoʻi hou ʻana i ka uku paneʻe ma waena o ʻAmelika. ka uku panee a ka mea hāʻawi kālā e hāʻawi iā ʻoe. ʻOkoʻa nā kumukūʻai moraki e ka mea hōʻaiʻē, ma muli o nā kumu e like me kāu hōʻaiʻē, ke ʻano o ka hōʻaiʻē, a
