Nhoroondo yemitengo yemortgage muUS
Mari dzemubereko dzemumba mwedzi wapfuura dzakatumira avhareji yavo yepamwedzi yakaderera mumakore anopfuura matatu, uye zvinoita sekunge kwaisangova blip pa radar. Zvinoenderana nekufungidzira kwemaindasitiri matatu, maitiro ekuenda kumitengo yakaderera yembangi, kuderera kwemutengo weimba uye kuwedzera kuvaka kwemba kuchaenderera mberi muna 2020.
Nezuro nezuro, Freddie Mac akashuma avhareji mwero we3,65% pamakumi matatu-makore-yakagadziriswa-reti zvikwereti, inova whopping 30% kudonha kubva gore rapfuura. Kana tikatarisa kufembera kwekambani, pamwe neayo economists kuFannie
Freddie Mac nyanzvi dzezvehupfumi dzinofanotaura kuti chikamu chechina cha2019 chichaita avhareji 3,7% mubereko pamakore makumi matatu, zvikwereti zvakatemwa, uye 30 ichave pakati pe2019% zvachose. Fannie Mae anotarisira kuti gore kuenzana 4%, nepo Mortgage Bankers Association inofanotaura 3,9%.
Sezvinotsanangurwa nenyanzvi dzezvehupfumi kuFreddie Mac, "kunetsekana pamusoro pekugadziriswa kwemakakatanwa ekutengeserana kwakapinza kusagadzikana mumisika yepasi rose yemabhondi. Vagadziri vemari vakadirana kune kuchengetedzeka uye kugadzikana kweUS Treasuries, vachisundira mhindu pasi. Sezvo nhaurwa yekutengeserana inofamba, mibairo inotevedzera. Zvisinei nekusachinja-chinja kwemitengo, tinotarisira kuti mitengo yenguva refu icharamba yakati sandara paavhareji… Goho rakaderera rePfuma inochengeta mari yembavha yakadzikira munzvimbo dziri kuuya.”
Historical mortgage mitengo kubva 1950 UK
Pakati paKubvumbi 1971 naKubvumbi 2022, makore makumi matatu emitengo yemongi yakasvika 30%. Saka kunyangwe neiyo FRM yemakore makumi matatu ichikwira pamusoro pe7,78%, mitengo ichiri kukwanisika kana ichienzaniswa neyekare mareti embangi.
Zvakare, vanoisa mari vanowanzo tenga zvibatiso zvemortgage-backed (MBS) panguva dzakaoma dzehupfumi nekuti dzinenge dzakachengeteka. Mitengo yeMBS inodzora mitengo yembangi, uye kumhanya kwemari muMBS panguva yedenda kwakabatsira kuchengetedza mitengo yakaderera.
Muchidimbu, zvese zvinonongedza kumitengo inokwira muna 2022. Saka usatarisire kuti mari dzembavha dzichadzika gore rino. Vanogona kudzika pasi kwenguva pfupi, asi isu tinogona kuona kukwira kumusoro mumwedzi iri kuuya.
Semuenzaniso, nechikwereti che 580, unogona kungokodzera kukwereta-inotsigirwa nehurumende, senge FHA mortgage. FHA zvikwereti zvine mubereko wakaderera, asi zvinosanganisira mortgage inishuwarenzi, zvisinei nekuti waisa pasi.
Variable-rate mortgages kazhinji inopa mibairo yakaderera pane yemakore makumi matatu-yakagadziriswa-remo remba. Nekudaro, iwo mareti anogona kuchinjika mushure mekutanga yakatarwa yakatarwa nguva.
Nhoroondo yemitengo yemari muUS
Nyanzvi dzedu dzanga dzichikubatsira iwe kugona mari yako kweanopfuura makumi mana emakore. Isu tinoramba tichiedza kupa vatengi zano rehunyanzvi uye maturusi avanoda kuti vabudirire muhupenyu hwese hwese hwemari.
Vashambadziri vedu havatitsivire wongororo yakanaka kana kurudziro. Saiti yedu ine yakawandisa yemahara zvinyorwa uye ruzivo pane akasiyana siyana emasevhisi emari, kubva kumongi kuenda kubhangi kuenda kuinishuwarenzi, asi isu hatisanganisire chigadzirwa chese pamusika. Zvakare, isu tichiyedza kuita kuti zvinyorwa zvedu zvive zvemazuva ano sezvinobvira, ndapota bvunza kune vamwe vatengesi kuti uwane ruzivo rwazvino.
Nhasi, Muvhuro, Chivabvu 30, 23, avhareji yemakore makumi matatu ekutenga imba ndeye 2022%, ichiramba yakatsiga svondo rapfuura. Kune varidzi vedzimba vari kutsvaga kugadziridza mari, avhareji yemakore makumi matatu ekubhadhara mari ndeye 30%, pasi pemapoinzi mana kubva pasvondo rapfuura.
Munyika Yese 30-Yegore Mortgage Rate Trends Kwanhasi, Muvhuro, Chivabvu 23, 2022, yazvino yepakati yemakore makumi matatu yemortgage rate i30%, ichiramba yakatsiga svondo rapfuura. Kune varidzi vedzimba vari kutsvaga kugadziridza mari, iyo yepakati pemakore makumi matatu yerefinance rate ndeye 5,39%, ichidzika 30 mapoinzi kubva svondo rapfuura.
70s mubereko
Zvakawanda kana zvese zvinopihwa pane ino saiti zvinobva kumakambani anoripwa maInsider (kune runyorwa ruzere, ona pano). Mafungiro ekushambadzira anogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pasaiti ino (kusanganisira, semuenzaniso, marongero azvinobuda), asi hazvikanganise sarudzo dzekunyora, senge kuti ndezvipi zvigadzirwa zvatinonyora nezvazvo uye maitiro atinozviongorora. Yemunhu Yemari Insider inotsvagurudza huwandu hwakasiyana hwekupa paunenge uchiita kurudziro; zvisinei, isu hativimbisi kuti ruzivo rwakadaro runomiririra zvigadzirwa zvese kana zvinopihwa zviripo pamusika.
Avhareji yemubereko painonyanyozivikanwa yemakore 30 yemortgage inofarirwa i4,31%, zvichienderana nedata kubva kuS&P Global. Mari yemhindu yemortgage iri kugara ichichinja, uye kune zvinhu zvakawanda zvinogona kukanganisa mubereko wako. Kunyangwe zvimwe zvacho zviri zvinhu zvemunhu zvaune simba pamusoro pazvo, uye zvimwe zvausingadaro, zvakakosha kuti uzive kuti mubereko wako ungaite sei kana uchitanga maitiro ekutora chikwereti chemba.
Ndeipi mibairo yemortgage parizvino? Kunyangwe mibairo yembanje ichichinja zuva nezuva, 2020 na2021 aive makore ekudzikira kwembande nekubhadhara mari dzemubereko kuUS yese. Kunyange hazvo mibairo yakaderera uye yekudzoreredza mibairo chiratidzo chinovimbisa chechikwereti chinokwanisika, yeuka kuti haisi vimbiso. wemubereko waunopihwa nemukweretesi. Mortgage rates inosiyana neanokwereta, zvichienderana nezvinhu zvakaita sekiredhiti yako, rudzi rwechikwereti, uye
