30 makahiki paʻa moraki freddie mac
ʻO ka moraki ka uku ukupanee āu e uku ai ma kāu hōʻaiʻē home. Hoʻololi nā kumukūʻai moraki i kēlā me kēia lā a ua hoʻokumu ʻia ma luna o nā loli o ka mākeke, akā aia i kēia manawa i nā haʻahaʻa haʻahaʻa. Ma muli o ke ʻano o ka hōʻaiʻē, hiki i ka uku pānaʻi ke uku paʻa a i ʻole ka uku hoʻololi i ka manawa o ka moraki.
Ma kahi moraki paʻa 30 makahiki, e mau ana ka uku panee no nā makahiki 30 o ka hōʻaiʻē, me ka manaʻo e hoʻomau ʻoe i ka home i kēlā manawa. ʻO kēia mau ʻano moraki ke lilo i kekahi o nā mahalo kaulana loa i ke kūpaʻa a me nā uku mahina haʻahaʻa a lākou e hāʻawi ai i nā mea hōʻaiʻē i hoʻohālikelike ʻia me nā moraki paʻa 15 makahiki.
Hoʻohana ʻia kēlā me kēia mahina e uku i ka uku paneʻe a me ke kapikala, e uku ʻia i loko o 30 mau makahiki, no laila ʻoi aku ka haʻahaʻa o kēia mau uku moraki ma mua o ka hōʻaiʻē wā pōkole. Eia naʻe, e hoʻopau ʻoe i ka uku nui ʻana i ka ukupanee ma kēia ala.
ʻO kahi moraki 30 mau makahiki he mea maikaʻi loa ia, akā pono ʻoe e noʻonoʻo i ka lōʻihi o kou manaʻo e noho i kou home hou. Inā ʻo nā uku moraki haʻahaʻa i kēlā me kēia mahina ka mea nui iā ʻoe, pono ʻoe e noʻonoʻo i kahi moraki 30 makahiki me ke kōkua o kahi luna hōʻaiʻē.
70s uku panee
Me ka piʻi ʻana o ka wānana Fed ma hope o kēlā me kēia o kāna mau hālāwai i koe, ʻo ka hapa nui o nā mea hōʻailona e kuhikuhi ana i ka piʻi ʻana o ka uku paneʻe i ka 2022. Eia naʻe, ʻo ka kānalua o ka hoʻokele waiwai e hoʻopiʻi i ka volatility i kēlā me kēia pule.
Manaʻo ka poʻe loea i ka Mortgage Bankers Association, ʻAmelika Hui Pū ʻIa a me nā alakaʻi ʻoihana ʻē aʻe e hoʻomau i ka piʻi ʻana o ka uku moraki 30 makahiki i ka mahina o Mei, ʻoiai ʻaʻole paha i wikiwiki e like me ka mahina i hala.
"E hoʻonui hou ka Federal Reserve i kāna helu kuhikuhi i Mei. Me ka helu hana ʻole kokoke i nā haʻahaʻa haʻahaʻa a me ka piʻi ʻana i kona kiʻekiʻe loa i nā makahiki he ʻehā, hiki i ka Federal Reserve ke hoʻokō i kahi piʻi koʻikoʻi i kēia manawa, e hoʻouna ana i nā uku moraki kiʻekiʻe.
Manaʻo wau i ka uku moraki paʻa 30 makahiki i ka awelika 5,2% i ka mahina aʻe. Me ka hoʻolohi ʻana o ka hoʻonui kālā ma hope o kēia makahiki, ʻaʻole hiki ke piʻi wikiwiki ka uku o ka moraki e like me kēia manawa. No laila ke manaʻo nei au he 30 mau makahiki i ka moraki paʻa i ka awelika ma kahi o 5% i 2022.
"Ua piʻi aʻe nā kumukūʻai moraki e hōʻike i ka wehe ʻana o ka Fed i ka waihona moraki a me kāna mau hoʻolālā e hoʻonui i ka uku kālā hānai. Inā piʻi aʻe nā kumukūʻai no ka mea ʻaʻole i kaohi ka inflation. Akā inā hoʻokele ka Fed i ka hoʻokele waiwai, hiki ke hoʻohaʻahaʻa haʻahaʻa nā uku. E kali a ʻike.
ʻAiʻai moraki
ʻO ka awelika APR o ka moraki kuhikuhi 30-makahiki ma ka uku paʻa ua hāʻule i kēia lā i 5,48% mai ka 5,53% i nehinei. ʻO ka pule i hala a puni kēia manawa, ʻo ka APR moraki paʻa 30 makahiki he 5,50%. No kāna ʻāpana, ʻo ka awelika APR o ka moraki paʻa 15 makahiki he 4,81%. ʻO ka pule i hala a puni kēia mau lā like, ʻo ka APR moraki paʻa 15 makahiki he 4,89%. Kuhi ʻia nā kumukūʻai e like me APR.
ʻO ka awelika APR no kahi moraki jumbo paʻa 30 makahiki he 5,35%. ʻO ka pule i hala aku nei, ʻo ka awelika APR no kahi moraki jumbo makahiki 30 he 5,40%. ʻO ka awelika APR no kahi moraki 5/1 ARM he 4,91%. ʻO ka pule i hala aku nei, ʻo ka awelika APR ma kahi moraki 5/1 ARM he 4,81%.
ʻOiai e pili pono ana nā kumukūʻai moraki e ka US Treasury yield, piʻi ka piʻi ʻana o ka hoʻonui kālā a me ke kulekele kālā Federal Reserve e hoʻopili pono ʻole i ka uku moraki. I ka piʻi ʻana o ka inflation, pane ka Federal Reserve ma o ka hoʻohana ʻana i kahi kulekele kālā koʻikoʻi, e alakaʻi mau ana i ka piʻi ʻana o ka uku moraki.
"E piʻi aʻe ka piʻi ʻana o ka hoʻonui ʻana a pono e hoʻonui ka Fed i kāna helu kālā federal i ʻewalu a XNUMX mau manawa i ka piʻi ʻana o ka hapaha i kēia makahiki," wahi a Lawrence Yun, ka luna hoʻokele waiwai a me ka pelekikena poʻokela o ka noiʻi ma ka National Association of Realtors. (NAR). "Eia kekahi, e hoʻopau mau ka Fed i ka quantitative easing, e koi ana i nā kumukūʻai moraki no ka wā lōʻihi."
tilbakemelding
ʻO ke kūʻai ʻana i hale me kahi moraki ka ʻoihana kālā nui loa i hana ʻia e ka hapa nui o mākou. ʻO ka maʻamau, ʻo ka panakō a i ʻole ka mea hāʻawi moraki e hoʻolilo kālā i 80% o ke kumukūʻai o ka home, a ʻae ʻoe e uku hou - me ka ukupanee - ma kahi manawa i hoʻonohonoho ʻia. I ka hoʻohālikelike ʻana i nā mea hāʻawi kālā, nā uku moraki, a me nā koho hōʻaiʻē, pono e hoʻomaopopo i ke ʻano o ka hana ʻana o nā moraki a me ke ʻano o ke ʻano i kūpono iā ʻoe.
I ka nui o nā moraki, e uku ʻia kekahi hapa o ka huina i hōʻaiʻē ʻia (ke kumu) a me ka ukupanee i kēlā me kēia mahina. E hoʻohana ka mea hāʻawi i kahi ʻano amortization e hana i kahi papa hana uku e wāwahi i kēlā me kēia uku i ke kumupaʻa a me ka ukupanee.
Inā hana ʻoe i nā uku e like me ka hoʻolālā uku hōʻaiʻē, e uku piha ʻia ia ma ka hopena o ka manawa i hoʻokumu ʻia, no ka laʻana 30 makahiki. Inā he uku paʻa ka moraki, e like ana kēlā me kēia uku kālā. Inā hoʻololi ka moraki, e hoʻololi ka uku i kēlā me kēia manawa e like me ka loli o ka uku paneʻe ma ka hōʻaiʻē.
ʻO ka manawa, a i ʻole ka lōʻihi, o kāu hōʻaiʻē e hoʻoholo i ka nui āu e uku ai i kēlā me kēia mahina. ʻO ka lōʻihi o ka manawa, ʻoi aku ka haʻahaʻa o nā uku mahina. ʻO ke kūʻai aku ʻo ia ka lōʻihi o ka uku ʻana i ka moraki, ʻoi aku ka kiʻekiʻe o ke kumukūʻai o ke kūʻai ʻana i ka home no ka mea e uku ʻia ka ukupanee no ka lōʻihi.
