Inguva yakanaka yekutenga imba muTexas?
Maererano neongororo ichangoburwa yakaitwa naFannie Mae, vatengi vazhinji vanozeza kutenga imba muna 2022. Vanopfuura 60% yevakabvunzwa vanotarisira kuti mari yembavha ichakwira, uye kune kushushikana kuri kuwedzera pamusoro pekuchengetedzwa kwemabasa uye kukwira kwemitengo yemba.
Saka kana iwe uchitarisira kutama mugore rinotevera, unogona kunge uchinetseka, "Iyi ndiyo nguva yakanaka yekutenga imba here?" Chokwadi ndechekuti mubvunzo uyu wakaoma kupfuura zvaunofunga. Ichi chinyorwa chichaenda pamusoro pezvimwe zvezvinhu zvikuru zvaunofanira kufunga nezvazvo usati watenga imba.
Kuti usarudze kana ino iri nguva yakanaka kutenga imba, tarisa mamiriro ako emari uye mutengo wazvino wedzimba munharaunda yako. Kana iwe uine mari yakachengetedzwa kuti ubhadhare pasi uye yako inofungidzirwa yekubhadhara imba yakaenzana kana isingasviki pane yako yerendi yepamwedzi, kutenga ikozvino ingave sarudzo yakanaka.
Muna 2021, mitengo yemubereko yakaderera, zvichiita kuti kutenga imba kuve sarudzo inoyevedza. Nekudaro, iyo Federal Reserve iri kukwidza mhindu kekutanga mumakore maviri kubatsira kurwisa inflation.
Inguva yakanaka here kutenga imba izvozvi?
Tinogashira muripo kubva kune vamwe vatinoshanda navo vane zvavanopihwa papeji rino. Hatina kuongorora zvese zviripo kana zvinopihwa. Muripo unogona kupesvedzera marongero anoitwa zvinopihwa papeji, asi maonero edu ezvekunyora nemaratidzo haakonzerwi nemuripo.
Zvizhinji kana zvese zvigadzirwa zvinoratidzwa pano zvinobva kune vatinoshanda navo vanotibhadhara komisheni. Aya ndiwo maitiro atinoita mari. Asi kuvimbika kwedu kwekunyora kunovimbisa kuti maonero enyanzvi dzedu haashandiswe nemuripo. Mamiriro ezvinhu anogona kushanda kune zvinopihwa zvinoonekwa pane ino peji.
Kudiwa kwemutengi kwakawedzera muna 2021 sezvo mitengo yakaderera yembavha yakaita kuti kutenga imba kuve kudhure uye kutaridzika. Asi kana wakapotsa chikepe muna 2021, 2022 inguva yakanaka yekutenga imba? Heino chikonzero nei iri - uye isiri - zano rakanaka.
Zvakanakira kutenga imba muna 2022Mukana mukuru wekutenga muna 2022? Nakidzwa nebetsero dzokuva muridzi wemba nokukurumidza kupfuura gare gare. Izvo zvinogona kukubatsira iwe kuwedzera mambure ako uye kukupa mamwe echikwereti sarudzo kana uchichida.
2022 musika wedzimba
Kana zvasvika pakudyara mumudziyo, vazhinji vangangotenga imba vanoedza kufanotaura kana kukosha kwemba kuri kukwira kana kudzika, uku vachichengeta ziso remari yemumba. Aya ndiwo matanho akakosha ekutevera kuona kana iriyo nguva yekutenga imba. Zvisinei, nguva yakanakisisa ndeyokuti munhu anogona kuitenga.
Rudzi rwechikwereti chinosarudzwa nemutengi wemba chinokanganisa mutengo wenguva refu wemba. Pane nzira dzakasiyana dzekukweretesa imba, asi makore makumi matatu akatarwa chiyero chemondi ndiyo yakatsiga sarudzo kune vanotenga dzimba. Mari yemubereko ichakwira kudarika chikwereti chemakore gumi nemashanu (chinonyanya kufarirwa pakubhadhara mari), asi iyo yemakore makumi matatu yakagadziriswa hairatidze chero njodzi yekuchinja kweramangwana. Mamwe marudzi ezvikwereti zvekukweretesa ndiyo prime-rate mortgage, subprime mortgage, uye "Alt-A" mortgage.
Kuti uve wakakodzera kuwana pre-rate yekugara mortgage, munhu anokwereta anofanira kunge aine kiredhiti yakakura, kazhinji 740 kana kupfuura, uye kazhinji asina chikwereti, sekureva kweFederal Reserve. Rudzi urwu rwechikwereti runodawo mubhadharo wakakura, 10-20%. Sezvo vanokwereta vane zvibodzwa zvakanaka zvechikwereti uye zvikwereti zvishoma zvichionekwa sengozi yakaderera, rudzi urwu rwechikwereti kazhinji runotakura mubereko wakaderera unoenderana, unogona kuchengetedza mukwereti zviuru zvemadhora muhupenyu hwechikwereti.
Inguva yakanaka yekutengesa imba here?
Kune vazhinji vanotenga imba, kuwana imba yemba chikamu chemaitiro ekutenga imba nyowani. Muna 2018, 86% yevatengi vakatora chikwereti chekutenga imba yavo. Kana iwe uri kufunga nezvekuva muridzi wemba, unogona kunge uchinetseka kuti zvakaoma here kuwana imba yemba izvozvi, kana kuti ndiyo nguva yakanaka yekutsvaga chikwereti chemba. Chokwadi ndechekuti nguva yakakodzera yekunyorera rendi ichave yakasiyana kune mumwe nemumwe mutengi. Nhoroondo yako yechikwereti, huwandu hwemari yawakachengeta, uye mari yawatambira uye nhoroondo yebasa zvinongori zvishoma zvezvinhu zvinokwanisa kuona kana uchizokodzera kukwereta imba uye mari yemumba nematemu auchapihwa. Zvimwe zvinhu, zvakaita semari yemubereko yemusika uye nguva yegore, zvinotorawo basa pakuona nguva yakanaka yekuwana imba yemba, asi izvi zvinowanzobuda mukutonga kwako.
Kana iwe uri kufunga nezvekuva muridzi wemba uye uchinetseka kana nguva yacho yakwana, dzidza nezve izvo zvinokanganisa kukodzera kwako kwekutora imba uye zvaungaita kuti uve mumiriri ari nani.
Chero rudzi rwechikwereti runotakura njodzi, kune anokwereta neanokwereta. Imwe yenzira idzo vakweretesi vanogona kuzvidzivirira nayo ndeyekupa mazwi akanakisa kune vanhu vane kiredhiti yepamusoro. Kana mukweretesi akaona kuti nhoroondo yomukwereti haina kunaka zvakakwana, anogona kuramba zvachose chikumbiro chechikwereti chemunhu iyeye.
