Moraki Rocket
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 i ka 4 haʻahaʻa 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.
ʻAno hoihoi
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i loaʻa ai i nā Insiders ka uku (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
uku panee maoli
ʻO ka awelika APR o ka moraki kuhikuhi 30-makahiki ma ka uku paʻa ua hāʻule i kēia lā i 5,45% mai ka 5,48% 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 4,75%. ʻO ka pule i hala a puni kēia mau lā like, ʻo ka APR moraki paʻa 15 makahiki he 4,88%. Kuhi ʻia nā kumukūʻai e like me APR.
ʻO ka awelika APR no kahi moraki jumbo paʻa 30 makahiki he 5,34%. ʻO ka pule i hala aku nei, ʻo ka awelika APR no kahi moraki jumbo makahiki 30 he 5,38%. 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 4,82%.
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."
helu helu pānaʻi
ʻO ka helu waena ma kahi moraki paʻa 30-makahiki he 5,47%, e like me Bankrate.com, aʻo ka median rate ma kahi moraki 15-makahiki he 4,79%. Ma kahi moraki jumbo makahiki 30, he 5,34% ka uku waena, a he 5% ka uku waena ma kahi 1/3,87 ARM.
ʻO ka awelika o ka huina kālā ma kahi moraki jumbo makahiki 30 he 5,34%. ʻO ka pule i hala aku nei, he 5,38%. ʻO ka uku pānaʻi paʻa 30-makahiki ma kahi moraki jumbo i kēia manawa ma luna o ka haʻahaʻa haʻahaʻa 52-wiki o 3,03%.
Inā ʻaʻole hiki iā ʻoe a ʻaʻole makemake paha e uku i ke kālā, ʻo nā mea hōʻaiʻē moraki a me nā moraki e lilo i ʻāpana o kāu kaʻina kūʻai home. He mea nui e koho i ka mea āu e uku ai i kēlā me kēia mahina e ʻike inā kūpono ia i kāu kālā.
No ka ʻae ʻia ʻana o ka moraki, e hoʻomaka me ka ʻohi ʻana i kāu mau palapala. Pono ʻoe i kāu kāleka Social Security, nā palapala W-2, nā stubs uku, nā ʻōlelo panakō, nā hoʻihoʻi ʻauhau, a me nā palapala ʻē aʻe e koi ai ka mea hāʻawi.
