Ndeipi mamortgage rates muna 2005
Pakati paKubvumbi 1971 naKubvumbi 2022, makore makumi matatu emubereko wemubereko wakasvika 30%. Saka kunyangwe neiyo FRM yemakore makumi matatu ichikwira pamusoro pe7,78%, mitengo inoramba isingadhuriki kana ichienzaniswa neyekare mareti embangi.
Zvakare, vatengesi vanowanzo tenga zvibatiso zvemortgage-backed (MBS) munguva 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.
Ndeapi mareti emubereko muna 2017
Kuwana chibatiso kunopfuura kungobhadharwa pamwedzi. Iwe zvakare uchafanirwa kubhadhara mitero yakadai seMutero weNzvimbo Dzakanyorwa Zvemutemo uye mubhadharo wekuongorora, mishumo yenyanzvi uye magweta. Vanhu vazhinji vanorerutsa huwandu hwemari uye mari yekuwedzera.
Iyi ndiyo mari yechigadzirwa chemondi, iyo dzimwe nguva inozivikanwa semubhadharo wechigadzirwa kana mubhadharo wekuvhara. Dzimwe nguva inogona kuwedzerwa kune remba, asi izvi zvichawedzera mari yaunokwereta, mubereko uye mubhadharo wepamwedzi.
Iwe unofanirwa kutarisa kana komisheni ichidzoserwa kana iyo mortgage ikasaenda kumberi. Kana zvisina kudaro, zvinokwanisika kukumbira kuti mari yacho iwedzerwe kune imba yemba uye wozoibhadhara kana chikumbiro chabvumidzwa uye unoenderera mberi zvachose.
Iyo dzimwe nguva inobhadhariswa kana chibvumirano chemba chingokumbirwa uye kazhinji hachidzoserwe kunyange kana chikwereti chikasaenda kumberi. Vamwe vanopa mari yembavha vanoisanganisira sechikamu chemubhadharo wekutanga, nepo vamwe vachizoiwedzera zvichienderana nekukura kwembavha.
Mukweretesi achakoshesa pfuma yako uye iva nechokwadi chokuti yakakodzera mari yaunoda kukwereta. Vamwe vanokweretesa havabhadharise komisheni iyi mune mamwe mabasa embavha. Iwe unogona zvakare kubhadhara yako wega ongororo yezvivakwa kuti uone chero kugadzirisa kana kugadzirisa kungangodiwa.
Mortgage Calculator
Hapana China, kana Japan, kana Russia yakapa zviratidzo zvechokwadi zvekutsemuka; uye, kukura kweEurozone kuri kuramba kuchiderera pane zvanga zvichitarisirwa.Kusavimbika uku kuchawedzera kutenga kwakachengeteka, zvichibatsira musika wemortgage-backed securities (MBS).
Chechipiri chikonzero chemitengo yemortgage ingasakwira ndechekuti Federal Housing Finance Agency (FHFA) inogona kutanga kudzosera kumashure, ichidzikisa mareti embavha yevatengi neanosvika zana nemakumi mashanu mapoinzi (150%). , zvichienderana nemukwereti.
Zvisinei nezvikonzero zviri pamusoro, "system shock" inobvisa aya mapoinzi. Izvi zvinogona kuuya nenzira yekuchinja kusingatarisirwe muFederal Reserve policy, kana kudonha nekukurumidza muhupfumi hweUS.
Semuyenzaniso, hupfumi hweUS huri kuita zvirinani pane dzimwe nyika dzakawanda, dzine mukana wekukwezva vekudyara vekunze uye kuchengetedza mitengo yenguva refu yakaderera. Tarisiro yekukwira kwemitengo inorambawo yakaderera, izvo zvinobatsirawo kuchengetedza mitengo yenguva refu yakaderera.
Ichi chipingamupinyi ndicho chimwe chezvikonzero zvikuru nei mugove wevanotanga kutenga dzimba mukutengesa kutsva uye kuripo kwemba kwave kuri pasi pemazinga enhoroondo kwemakore akati wandei, uye nei kukura mukuvaka kwemhuri dzakawanda kwakatungamira nzira mumakore achangopfuura.
Mortgage interest rates muna 2016
Muna 1971, mitengo yakanga iri pakati pe7%, ichikwira zvishoma nezvishoma kusvika 9,19% muna 1974. Vakanyura zvishoma kusvika pakati-kusvika-pamusoro 8% yepakati isati yakwira kusvika ku11,20% muna 1979. Izvi zvakaitika munguva yekukwira kwemitengo kwakakwirira. iyo yakawedzera mukutanga kwemakore gumi akatevera.
MumaXNUMX nemaXNUMX, United States yakasundirwa mukuderera kwehupfumi nekurambidzwa kwemafuta kurwisa nyika. Sangano rePetroleum Exporting Countries (OPEC) rakatanga kurambidzwa. Imwe yemhedzisiro yayo yaive hyperinflation, izvo zvaireva kuti mutengo wezvinhu uye masevhisi wakawedzera nekukurumidza zvakanyanya.
Kurwisa hyperinflation, Federal Reserve yakasimudza mibairo yenguva pfupi. Izvi zvakaita kuti mari mumasaving account akoshe. Kune rumwe rutivi, mibairo yese yakakwira, saka mutengo wekukwereta wakawedzerawo.
Mari dzemhindu dzakasvika pakakwirira munhoroondo yemazuva ano muna 1981, apo avhareji yegore negore yaiva 16,63%, maererano nemashoko aFreddie Mac. Ma10 yaive nguva inodhura yekukwereta mari.
