Mbiri yamitengo yanyumba ku US
Chiwongola dzanja cha ngongole yanyumba mwezi watha idatumiza pafupifupi pafupifupi mwezi uliwonse m'zaka zopitilira zitatu, ndipo zikuwoneka kuti sikunali chabe kusokoneza radar. Malinga ndi zoneneratu zamakampani atatu, zomwe zikuyembekezeka kutsika mtengo wanyumba, kukwera pang'onopang'ono kwamitengo yanyumba komanso kuwonjezereka kwa nyumba zipitilira mpaka 2020.
Dzulo lokha, Freddie Mac adanenanso za 3,65% pa ngongole zokhazikika zazaka 30, zomwe zikutsika ndi 1,06% kuyambira chaka chapitacho. Tikayang'ana zolosera za kampaniyo, komanso za akatswiri azachuma ku Fannie
Akatswiri azachuma a Freddie Mac alosera kuti gawo lachinayi la 2019 likhala ndi chiwongola dzanja cha 3,7% pa ngongole zazaka 30 komanso zokhazikika, ndikuti 2019 ikhala pafupifupi 4% yonse. Fannie Mae akuyembekeza kuti chaka chidzakhala pafupifupi 3,9%, pamene Mortgage Bankers Association imaneneratu 3,8%.
Monga momwe akadaulo azachuma ku Freddie Mac akufotokozera, "kuda nkhawa pakutha kwa mikangano yamalonda kwadzetsa kusakhazikika m'misika yapadziko lonse lapansi. Otsatsa adakhamukira kuchitetezo ndi kukhazikika kwa US Treasury, kutsitsa chiwongola dzanja. Pamene nkhani zamalonda zikuyenda, chiwongoladzanja chimatsatira. Ngakhale kusinthasintha kwa mitengo, tikuyembekeza kuti mitengo yanthawi yayitali ikhalabe yotsika… Zokolola zotsika za Treasury zipangitsa kuti chiwongola dzanja chikhale chochepa m'magawo akubwerawa. ”
Mbiri yakale yobwereketsa nyumba kuyambira 1950 UK
Pakati pa Epulo 1971 ndi Epulo 2022, chiwongola dzanja chazaka 30 chinali 7,78%. Chifukwa chake ngakhale FRM yazaka 30 ikukwera pamwamba pa 5%, mitengo ikadali yotsika mtengo poyerekeza ndi mbiri yakale yobwereketsa nyumba.
Komanso, osunga ndalama amakonda kugula zitetezo zobweza ngongole (MBS) panthawi yovuta yazachuma chifukwa ndi ndalama zotetezeka. Mitengo ya MBS imayang'anira chiwongola dzanja, komanso kuthamanga kwa ndalama mu MBS panthawi ya mliri kunathandizira kuti mitengo ikhale yotsika.
Mwachidule, chirichonse chimasonyeza kuti mitengo ikukwera mu 2022. Choncho musayembekezere kuti mitengo ya ngongole idzatsika chaka chino. Zitha kutsika kwakanthawi kochepa, koma titha kuwona kukwera m'miyezi ikubwerayi.
Mwachitsanzo, ndi ngongole ya 580, mukhoza kulandira ngongole yothandizidwa ndi boma, monga ngongole ya FHA. Ngongole za FHA zili ndi chiwongola dzanja chochepa, koma zimaphatikizanso inshuwaransi yanyumba, ziribe kanthu momwe mumayika.
Ngongole zanyumba zosinthika nthawi zambiri zimapereka chiwongola dzanja chocheperako kuposa chiwongola dzanja chokhazikika chazaka 30. Komabe, mitengoyo imatha kusintha pakatha nthawi yokhazikika.
Mbiri ya chiwongola dzanja ku US
Akatswiri athu akhala akukuthandizani kuti muzitha kudziwa bwino ndalama zanu kwazaka zopitilira makumi anayi. Timayesetsa nthawi zonse kupatsa ogula upangiri waukadaulo ndi zida zomwe amafunikira kuti achite bwino pamoyo wawo wonse wazachuma.
Otsatsa athu samatilipira chifukwa cha ndemanga kapena malingaliro abwino. Tsamba lathu lili ndi mindandanda yaulere komanso zambiri zamagwiritsidwe osiyanasiyana azachuma, kuyambira kubwereketsa nyumba kupita kubanki kupita ku inshuwaransi, koma sitiphatikiza chilichonse pamsika. Komanso, pamene tikuyesetsa kuti mindandanda yathu ikhale yaposachedwa momwe tingathere, chonde funsani mavenda pawokha kuti mudziwe zambiri.
Masiku ano Chiwongola dzanja cha Chiwongola dzanja chazaka 30 Lero, Lolemba, Meyi 23, 2022, chiwongola dzanja chapakati pazaka 30 ndi 5,39%, chikuyenda mosasunthika sabata yatha. Kwa eni nyumba omwe akuyang'ana kukonzanso ndalama, chiwerengero chamakono cha refinance chazaka 30 ndi 5.31%, kutsika ndi mfundo zinayi kuyambira sabata yapitayo.
Padziko Lonse Zaka 30 Zobwereketsa Ngongole Masiku ano, Lolemba, Meyi 23, 2022, chiwongola dzanja chapakati chazaka 30 ndi 5,39%, chikuyenda mosasunthika sabata yatha. Kwa eni nyumba omwe akufuna kubweza ndalama, ndalama zapakati pazaka 30 za refinance ndi 5,31%, kutsika ndi mfundo zinayi kuyambira sabata yapitayo.
70s chiwongola dzanja
Zambiri kapena zonse zomwe zaperekedwa patsamba lino zikuchokera kumakampani omwe Insider amalipidwa (kuti mupeze mndandanda wathunthu, onani apa). Malingaliro otsatsa amatha kukhudza momwe zinthu zimawonekera patsamba lino (kuphatikiza, mwachitsanzo, dongosolo lomwe zimawonekera), koma sizikhudza zosankha zilizonse, monga zomwe timalemba komanso momwe timaziwonera. Personal Finance Insider amafufuza zopereka zosiyanasiyana popanga malingaliro; komabe, sitikutsimikizira kuti izi zikuyimira zinthu zonse kapena zoperekedwa zomwe zikupezeka pamsika.
Chiwongoladzanja cha chiwongoladzanja pa ngongole yodziwika bwino ya zaka 30 ndi 4,31%, malinga ndi deta kuchokera ku S&P Global. Ngakhale zina ndizomwe mumazilamulira, ndipo zina mulibe, ndikofunikira kudziwa momwe chiwongola dzanja chanu chimawonekera mukayamba njira yopezera ngongole yanyumba.
Kodi chiwongola dzanja chanji pakali pano? Ngakhale ziwongola dzanja zimasinthasintha tsiku lililonse, 2020 ndi 2021 zinali zaka zotsika mtengo pakubweza ngongole ndi kubweza chiwongola dzanja ku US. za chiwongola dzanja chomwe wobwereketsa angakupatseni. Mitengo ya ngongole imasiyanasiyana ndi wobwereketsa, kutengera zinthu monga ngongole yanu, mtundu wa ngongole, ndi
