Nā ʻano o nā moraki 30 makahiki
E hoʻomanaʻo he ʻokoʻa nā uku no kēlā me kēia mea ʻaiʻē. No laila pono ʻoe e hoʻohālikelike i nā mea hāʻawi kālā ʻē aʻe e ʻike i kāu hana maikaʻi loa. ʻO ka uku moraki maikaʻi loa mai kekahi o nā hui ma kēia papa inoa.
E hoʻomanaʻo e ʻokoʻa nā uku mai ka mea hōʻaiʻē a i ka mea hōʻaiʻē a hiki mai paha kāu uku haʻahaʻa mai kahi mea hāʻawi kālā ma kēia papa inoa. Pono nā mea hōʻaiʻē e hoʻohālikelike i nā makana mai ʻekolu a ʻelima mau mea hāʻawi kālā e ʻike i kā lākou uku moraki maikaʻi loa.
Eia nō naʻe, hiki ke lilo i nā kumukūʻai moraki i mea alakaʻi e kōkua iā ʻoe e ʻimi i nā panakō me nā uku moraki haʻahaʻa haʻahaʻa. He wahi hoʻomaka maikaʻi nā papa inoa ma lalo inā ʻoe e ʻimi nei i ka uku panee maikaʻi loa no kāu hōʻaiʻē home hou.
ʻO ka mea hāʻawi moraki ma waena o 30 mau makahiki moraki (2021)FREEDOM MORTGAGE CORPORATION2,66%BANK OF AMERICA2,80%VETERANS UNITED HOME LOANS*2,86%BETTER MORTGAGE CORPORATION2. 86%PENNYMAC2.87%AMERISAVE MORTGAGE CORPORATION2.90%NAVY FEDERAL CREDIT UNION*2.93%HOME POINT FINANCIAL CORPORATION2.94%LOANDEPOT.COM2.99%CALIBER HOME LOANS, INC.2 .99%ROCARANED ROT3.00%ROCKET3.01. INC.3.01%CITIZENS BANK3.02%CHASE BANK3.06%NEWREZ LLC3.08%PNC BANK3.08%LAKEVIEW LOAN SERVICING, LLC3.08%NEW AMERICAN FUNDING3.09%GUILD MORTGAGE COMPANY3.10%COCARMPANY3.12%COCARMPANY MOLAKI NUI, LLC3.13%MR. COOPER3.14%WELLS FARGO3.16%CROSSCOUNTRY MORTGAGE, INC.3.18%FAIRWAY INDEPENDENT MORTGAGE CORPORATION3.19%FLAGSTAR BANK, FSB3.26%VANDERBILT MORTGAGE AND FINANCE, INC.3.28%US%T3.59.
ʻO nā kumukūʻai moraki haʻahaʻa loa i ka mōʻaukala
ʻAʻole like nā moraki a pau. Ma muli o ka mea hāʻawi, ʻoi aku ka nui o nā uku a ʻoi aku ka lōʻihi o nā manawa pani. Ke nānā aku nei kekahi poʻe hāʻawi kālā i kahi kaʻina hana mua a ʻae ʻia, aʻo nā mea ʻē aʻe e hāʻawi i nā uku no ka pūʻali koa a i ʻole nā mea kūʻai aku.
Ua nānā mākou i ʻehā mau ʻāpana nui: hiki i ka mea hōʻaiʻē ke loaʻa i kahi hōʻaiʻē, hiki ke loaʻa, nā koho hōʻaiʻē, a me ka wikiwiki o ke kālā. ʻO kā mākou pahuhopu e maʻalahi iā ʻoe e hoʻohālikelike i nā makana ma ka haʻi ʻana iā ʻoe e pili ana i nā mea hāʻawi kālā i ʻoi aku ka maikaʻi ma kēia mau wahi.
Ua loiloi mākou ma mua o 50 mau mea hōʻaiʻē moraki e hana ana ma ka pūnaewele a me ke kanaka ma waena o ʻAmelika Hui Pū ʻIa. ʻO nā mea hōʻaiʻē a mākou e loiloi nei e hōʻike ana i kekahi o nā mea hōʻaiʻē moraki nui loa ma ka nui, me nā panakō, nā uniona hōʻaiʻē, a me nā mea hōʻaiʻē pūnaewele. ʻAʻole ʻae ʻia nā mea hōʻaiʻē i hōʻike ʻole i kā lākou uku uku ma ka pūnaewele.
ʻO kā mākou manaʻo e pili ana i ka hiki ke loaʻa, ka hiki, a me nā hiʻohiʻona koʻikoʻi e pili ana i ke kaʻina kūʻai hale (e like me ka manawa mua o ka ʻae ʻia a me ka manawa pani) ʻo ia ka mea a mākou e manaʻoʻiʻo nei e hōʻike ana i nā mea koʻikoʻi o nā mea kūʻai aku i kēia lā ke hoʻohālikelike ʻia nā mea hōʻaiʻē moraki.
Na Uku Moraki Haahaa o keia la
I ka manawa o kēia kākau ʻana, i Mei 2022, ʻo 30% ka awelika o 5,25 mau makahiki paʻa, e like me ka noiʻi ʻana o Freddie Mac i kēlā me kēia pule. Pono ʻoe e laki (a me kahi mea hōʻaiʻē ikaika loa) e ʻike i kahi uku paʻa ma 30 makahiki ma lalo o 4% i kēia manawa.
Ua haʻahaʻa nā uku moraki maʻamau no nā makahiki ʻelua i hala. Ua ʻae kēia ʻano i nā mea hōʻaiʻē kūpono loa e komo i nā kumukūʻai haʻahaʻa. Akā ua piʻi nā kumukūʻai ma 2022 a me he mea lā hiki iā lākou ke hōʻea i ka 6% ma ka hopena o ka makahiki.
He aha ka uku pānaʻi moraki maikaʻi? He nīnau paʻakikī. No ka mea, ʻo ka nui o nā uku hoʻolaha i loaʻa wale i nā mea hōʻaiʻē "makemake": ʻo ka poʻe me ka helu ʻaiʻē kiʻekiʻe, ka ʻaiʻē liʻiliʻi, a me ke kālā paʻa loa. ʻAʻole nā kānaka a pau e komo i kēlā ʻano.
I ka lā i kākau ʻia ai (Mei 20, 2022), ʻo ka awelika o Freddie Mac i kēlā me kēia pule no kahi moraki paʻa 30 makahiki he 5,25%. Akā, ʻo ka helu o kēlā me kēia lā o The Mortgage Reports rate survey he 5,484% (5,51% APR). No laila ua maopopo aia kekahi ʻano like ʻole ma ka mākeke.
ʻO kekahi me ka haʻahaʻa loa o kēlā mau APR (4,754%) e uku ma kahi o $263.640 i ka ukupanee no ke ola o ka hōʻaiʻē e like me FICO. Akā ʻo ka mea me ka helu ma ka laulā 620-639 e uku ma kahi o $371.520 i ka huina o ka uku paneʻe no ke kumu kūʻai home hoʻokahi. No laila i ka wā lōʻihi, ʻo ka mea i ʻike ʻia e like me kahi ʻokoʻa liʻiliʻi liʻiliʻi hiki ke hoʻohui i kahi mālama kālā nui.
He aha ke ʻano maikaʻi o ka moraki 2022
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 paʻa 30 mau 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 loaʻa ʻana ma US Treasuries, ʻo ka piʻi ʻana o ka inflation 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."
