Zaka 30 zokhazikika zamtengo wobwereketsa freddie mac
Chiwongola dzanja ndi chiwongola dzanja chomwe mumalipira pa ngongole yanu yanyumba. Mitengo yobwereketsa nyumba imasintha tsiku lililonse ndipo imadalira kusinthasintha kwa msika, koma pakadali pano ndiyotsika kwambiri. Malingana ndi mtundu wa ngongole, chiwongoladzanja chikhoza kukhala chiwongoladzanja chokhazikika kapena chiwongoladzanja chokhazikika pa nthawi ya ngongole.
Pa ngongole yokhazikika ya zaka 30, chiwongoladzanja chimakhalabe chimodzimodzi kwa zaka 30 za ngongole, poganiza kuti mukupitiriza kukhala ndi nyumbayo panthawiyo. Ngongole zanyumba zamtunduwu zimakhala zodziwika kwambiri chifukwa cha kukhazikika komanso kutsika kwapamwezi komwe amapereka kwa obwereka poyerekeza ndi ngongole zanyumba zazaka 15.
Malipiro a mwezi uliwonse amagwiritsidwa ntchito kulipira chiwongoladzanja ndi ndalama, zomwe zidzalipidwa m'zaka 30, choncho malipiro a mwezi uliwonse a ngongole ndi otsika kwambiri kuposa a ngongole yaifupi. Komabe, mudzakhala mukulipira kwambiri chiwongola dzanja mwanjira iyi.
Ngongole ya zaka 30 ikhoza kukhala yopindulitsa kwambiri, koma muyenera kuganizira nthawi yomwe mukufuna kukhala m'nyumba yanu yatsopano. Ngati malipiro otsika a ngongole mwezi uliwonse ali ofunika kwambiri kwa inu, muyenera kulingalira za ngongole ya zaka 30 mothandizidwa ndi wothandizira ngongole.
70s chiwongola dzanja
Ndi maulendo a Fed akuwonetseratu pambuyo pa msonkhano uliwonse wotsalira, zizindikiro zambiri zimasonyeza kuti chiwongoladzanja chikupitiriza kukwera mu 2022. Komabe, kusatsimikizika kwachuma kudzachititsa kuti mlungu uliwonse ukhale wosasinthasintha.
Akatswiri a Mortgage Bankers Association, First American ndi atsogoleri ena amakampani amayembekeza kuti chiwongola dzanja chazaka 30 chipitirire kukwera mu Meyi, ngakhale mwina sichingafanane ndi mwezi wathawu.
"Federal Reserve ikwezanso kuchuluka kwake mu Meyi. Chifukwa cha kuchuluka kwa anthu omwe alibe ntchito omwe atsala pang'ono kutsika komanso kukwera kwa mitengo kwakwera kwambiri m'zaka makumi anayi, Federal Reserve ikhoza kukwera kwambiri nthawi ino, ndikupangitsa kuti chiwongola dzanja chikwere.
Ndikuyembekeza kuti chiwongola dzanja chokhazikika chazaka 30 kukhala pafupifupi 5,2% mwezi wamawa. Popeza kuti mitengo ya inflation iyamba kuchepa kumapeto kwa chaka chino, chiwongola dzanja cha ngongole sichikhoza kukwera mofulumira monga momwe akuchitira panopa. Chifukwa chake ndikuyembekeza kuti chiwongola dzanja chazaka 30 chizikhala pafupifupi 5% mu 2022. ”
"Ndalama zanyumba zakwera kale kuwonetsa momwe bungwe la Fed likugwetsa ndalama zanyumba ndi mapulani ake okweza ndalama zolipirira. Ngati mitengo ikakwera ndiye kuti inflation ikadali yosalamulirika. Koma ngati Fed ikwanitsa kuwongolera kukwera kwa mitengo, ndizotheka kuti mitengoyo idzatsika pang'ono. Iyenera kudikirira ndikuwona".
Ngongole yanyumba
APR wapakati pazaka 30 zobwereketsa pamtengo wokhazikika watsika lero kufika 5,48% kuchokera 5,53% dzulo. Sabata yatha panthawiyi, APR yokhazikika yazaka 30 inali 5,50%. Kumbali yake, APR wapakati pa ngongole yokhazikika yazaka 15 ndi 4,81%. Sabata yatha pamasiku omwewa, APR yokhazikika yazaka 15 inali 4,89%. Mitengo imatchulidwa ngati APR.
APR yapakati pa ngongole ya jumbo ya zaka 30 ndi 5,35%. Sabata yatha, APR yapakati pa ngongole ya jumbo yazaka 30 inali 5,40%. APR yapakati pa ngongole ya 5/1 ya ARM ndi 4,91%. Sabata yatha, APR wapakati pa ngongole ya 5/1 ARM inali 4,81%.
Ngakhale mitengo yanyumba imakhudzidwa mwachindunji ndi zokolola za US Treasury, kukwera kwa inflation ndi ndondomeko yazachuma ya Federal Reserve imakhudza mwachindunji mitengo yanyumba. Pamene inflation ikukwera, Federal Reserve imachitapo kanthu pogwiritsa ntchito ndondomeko yazachuma yaukali, yomwe nthawi zonse imapangitsa kuti chiwongoladzanja chiwonjezeke.
"Kukakamizika kukhala ndi kukwera kwa inflation kudzawonjezeka ndipo Fed iyenera kukweza ndalama zake maulendo asanu ndi atatu mpaka XNUMX pakuwonjezeka kwa kotala chaka chino," akutero Lawrence Yun, katswiri wazachuma komanso wachiwiri kwa purezidenti wofufuza pa National Association of Realtors. (NAR). "Kuphatikiza apo, Fed isintha pang'onopang'ono kuchepetsa kuchuluka kwa ndalama, ndikukweza mitengo yanyumba yayitali."
tilbakemelding
Kugula nyumba ndi ngongole ndi ndalama zazikulu zomwe ambirife timapanga. Nthawi zambiri, banki kapena wobwereketsa wobwereketsa amapereka ndalama zokwana 80% za mtengo wanyumbayo, ndipo mumavomera kubweza—ndi chiwongola dzanja—panthawi yoikika. Poyerekeza obwereketsa, mitengo yanyumba, ndi njira zangongole, ndikofunikira kumvetsetsa momwe ngongole zanyumba zimagwirira ntchito komanso mtundu uti womwe ungakhale wabwino kwa inu.
M'nyumba zambiri zanyumba, gawo la ndalama zomwe adabwereka (mkulu) kuphatikiza chiwongola dzanja zimabwezedwa mwezi uliwonse. Wobwereketsa adzagwiritsa ntchito njira yochepetsera ndalama kuti apange ndondomeko yolipira yomwe imagawaniza malipiro onse kukhala chiwongola dzanja ndi chiwongola dzanja.
Ngati mupereka malipiro molingana ndi ndondomeko yobwezera ngongole, idzalipidwa mokwanira kumapeto kwa nthawi yokhazikitsidwa, mwachitsanzo zaka 30. Ngati ngongole yobwereketsa ndi yokhazikika, malipiro aliwonse adzakhala ndalama zofanana za dollar. Ngati chiwongoladzanja chimasintha, malipiro amasinthasintha nthawi ndi nthawi pamene chiwongoladzanja cha ngongole chimasintha.
Nthawi, kapena kutalika, kwa ngongole yanu kumatsimikiziranso kuchuluka kwa ndalama zomwe mudzalipira mwezi uliwonse. Kutalikirapo, kumachepetsa malipiro apamwezi. Kugulitsa nyumbayo ndikwakuti mukatenga nthawi yayitali kuti mulipire ngongole yanyumba, ndiye kuti ndalama zonse zogulira nyumbayo zimakwera chifukwa chiwongola dzanja chidzalipidwa nthawi yayitali.
