Kodi chiwongola dzanja chidzakwera mu 2022?
Mu 1971, chiwongola dzanja chinali pakati pa 7%, kukwera pang'onopang'ono kufika 9,19% mu 1974. Iwo adamira mwachidule mpaka pakati pa 8% asanakwere kufika 11,20. 1979% mu XNUMX. Izi zinachitika m'nyengo ya kukwera kwa inflation komwe kunakwera kwambiri kumayambiriro kwa zaka khumi zotsatira.
M’zaka zonse za m’ma XNUMX ndi m’ma XNUMX, dziko la United States linakankhidwira m’mavuto chifukwa cha chiletso cha mafuta cholimbana ndi dzikolo. Bungwe la Organisation of the Petroleum Exporting Countries (OPEC) lidakhazikitsa zoletsa. Chimodzi mwa zotsatira zake chinali hyperinflation, zomwe zikutanthauza kuti mtengo wa katundu ndi mautumiki unakula mofulumira kwambiri.
Pofuna kuthana ndi hyperinflation, Federal Reserve idakweza chiwongola dzanja chanthawi yayitali. Izi zidapangitsa kuti ndalama zamaakaunti osungira ndalama zikhale zochulukirapo. Kumbali ina, chiwongola dzanja chonse chinakwera, kotero kuti mtengo wobwereka unakulanso.
Chiwongoladzanja chinafika pamtunda wapamwamba kwambiri m'mbiri yamakono mu 1981, pamene chiwerengero cha pachaka chinali 16,63%, malinga ndi deta ya Freddie Mac. Zaka za m'ma 10 inali nthawi yodula kwambiri kubwereka ndalama.
Chifukwa chiyani chiwongola dzanja chikukwera?
Ngati mulandira phindu linalake ndipo mukuvutika kubweza ngongole yanu yanyumba, boma lingakuthandizeni kulipira chiwongola dzanja pa ngongole yanu yanyumba. Iyi ndi Aid for Mortgage Interest (SMI).
Popeza thandizo lomwe mwalandira tsopano ndi ngongole, mudzalipidwa chiwongola dzanja. Mukalandira chithandizo kwanthawi yayitali, m'pamenenso mumalipiritsa chiwongola dzanja. Zokonda izi zimawerengedwa tsiku lililonse ndipo zimatha kusiyana. Komabe, simungasinthe kupitilira kawiri pachaka.
Nyumbayo ikagulitsidwa, ngati palibe ndalama zokwanira zotsalira mutalipira ngongole kuti mubweze ngongole ya SMI, ndalama zotsalazo zidzathetsedwa. Ndipo a DWP adzaona kuti ngongoleyo yabwezedwa mokwanira.
Ngati mukuvutika kulipira ngongole yanu, funsani wobwereketsa kuti mudziwe chithandizo chomwe angakupatseni. Izi zingaphatikizepo "tchuthi" cholipirira pang'ono kapena kuchedwetsa kukuthandizani kuti mudutse pakanthawi kochepa kapena nthawi yotalikirapo pa ngongole yanu yanyumba.
Ngati mukuyenera kuthana ndi kukwera mtengo kwa moyo, koma mulibe ndalama zowonjezera, fufuzani za magwero opezera ndalama zowonjezera ndi chithandizo chomwe chilipo chokuthandizani kusamalira mabilu anyumba yanu ndikusunga ndalama mu kalozera wathu Kukhala ndi ndalama zochepa.
Chiwongola dzanja chanyumba chakwera lero
Malingaliro olimba a Fed pa kukwera kwa mitengo komanso kusasinthika kwamisika yamafuta chifukwa cha nkhondo yaku Russia ku Ukraine ndizomwe zimayambitsa kukwera kwachangu, malinga ndi David Battany, wachiwiri kwa purezidenti wa Guild Mortgage. Chifukwa cha zovuta zomwe zilipo, kuchuluka kwa zopindula kungapitirire kwa masabata kapena miyezi ingapo yotsatira.
Poyerekeza ndi kutsika kwamitengo komwe kwafika zaka khumi ndi zinayi, kukwera kwamitengo ya ngongole zanyumba kumabwera patadutsa milungu ingapo Federal Reserve idakweza chiwongola dzanja chake kwakanthawi kochepa ndi kotala mfundo, yomwe idakhala pafupi ndi zero kuyambira pomwe mliri udagwa. zaka ziwiri zapitazo. Pofuna kuchepetsa chuma chambiri, banki yayikulu yawonetsa kuti ndalama zowonjezera zisanu ndi ziwiri zakwera chaka chino.
"Chiwongola dzanja ndi mitengo yanyumba ikukwera mwachangu kuposa ndalama zomwe amapeza," adatero Battany. "Choncho kuthekera kwawo kusunga ndalama zolipirira, kapena kungolipira mwezi uliwonse, kumakhala kovuta kwambiri."
Mwa muyeso umodzi, mitengo ya m'deralo ndi dziko lonse yakwera 19% m'chaka chatha. Nyumba zogulitsidwa zakhala zikusoŵa, ndipo kukwera kwa mitengo ndi chiwongola dzanja pa ngongole kumapangitsa kuti zikhale zovuta kwambiri kwa ogula omwe angagule nyengo yogula nyumba yamasika ikayamba.
Chifukwa chiyani chiwongola dzanja chanyumba chikukwera?
Boma likafuna kuletsa kubwereketsa (kuperewera kwa ngongole), limakweza chiwongola dzanja kuti chikhale chokwera mtengo kutero. Izi zimachitika kawirikawiri akafuna kuthana ndi kukwera kwa mitengo. Kumbukirani: Kubwereketsa ndalama kumatanthauza kwa wobwereketsayo kukhala pachiwopsezo chakuti wobwereka sangabweze ndalamazo. Chidwi ndi "mphotho" yanu chifukwa chotenga chiopsezo. Popeza mumatha kubweza nthawi zabwino, akutenga chiopsezo chochepa, motero mphotho yawo imakhala yochepa. Munthawi zovuta kapena zosatsimikizika, zosiyana zimachitika. Kodi chiwongola dzanja chikukwera ndi chiyani? Mofanana ndi zinthu zina zambiri zamsika, chiwongoladzanja chimayang'aniridwa ndi kupezeka ndi kufunikira. Pankhaniyi, ndikupereka ndi kufunikira kwa ngongole. Chiwongola dzanja chokwera chimakhudza anthu aku Canada m'njira zosiyanasiyana, kutengera momwe zinthu ziliri.
