Inguva yakanaka here yekudzosera mari yangu 2022 mortgage?
Kune vakawanda vanotenga imba, kuwana mbavha chikamu chemaitiro ekutenga imba itsva. 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.
Ndotenga imba izvozvi here kana kumirira kusvika 2022?
XAustin Hughes: Kukwira kwemitengo yemba kunogona kuona kuderera asi kunogamuchirwa kudereraKutsva kutsva kwemitengo yemba yeIrish kungangove muchikamu chechipiri chegore rino, asi izvi zvinoreva here kuti musika unotonhorera wezvivakwa kana kutyisidzira kudonha kutsva? Kukura kwemutengo wedzimba muIreland kunogona kudzikira nekuda kwekudzikisira kugona uye kuderera kwemhedzisiro yekukwira kwechiyero cheECB, mutengo wekumanikidzwa kwehupenyu uye kusava nechokwadi pamusoro pemamiriro ehupfumi, inodaro Austin Hughes. Zuva, 17 Kubvumbi 2022 - 15:46Austin HughesOfficial nhamba dzakaburitswa svondo rapfuura dzinoratidza kuti inflation yeimba yekuIrish yakakwira pamwedzi wechi15,3 wakatevedzana kusvika pa2015% muna Kukadzi, kukurumidza kukwira kubva muna Kubvumbi 12. Pasinei nekukwira kwakanyanya kwemitengo, kudiwa kunooneka. Kuitwa muna Kukadzi kwakange kwakakwira kunosvika 13,5% kupfuura gore rakanga rapfuura, zvichisimbisa kusimba kwemusika wekutengesa zvivakwa, unoratidzwa nekushaikwa kwedzimba kwakasimba, kukura kwemabasa kwakasimba uye kutsigira huwandu hwevanhu mukati mekushomeka. Mitengo yezvivakwa kunze kweDublin ine simba kudarika muguta guru: Inflation muDublin pa16,8% yakadzikira nekukwira kwemitengo neXNUMX% munyika yose. nyika.
Inguva yakanaka yekubhadhara mari here?
Mimwe mitero yemitengo yakadonha zvishoma: Avhareji yemubereko pamakumi matatu-gore yakatarwa-chiyero chemondi ikozvino inomira pa30% uye avhareji yegore negore pa4,20%, zvichienzaniswa ne4,25% uye 4,29%, zvichiteerana. Avhareji yemubereko pamakore gumi neshanu yakatarwa-yero remoti inoramba isina kuchinjika kubva pazuva rapfuura pa4,23% (iyo APR iri 15%), sekureva kwedata rakabudiswa nhasi neBankrate. Iwe unogona kuona iyo mortgage mubereko waunokodzera nawo pano.
Kwakabva: Bankrate Ko aya mamortgage interest rates anorevei? Kuchinja-chinja kwemitengo yemitengo yemortgage kwakajairika uye kunogona kuitika nekuda kwezvikonzero zvakawanda, zvinosanganisira inflation, kukura kwehupfumi, uye shanduko yemitemo yemari. Kuchinja kwakawanda kudiki, asi "kota yepoindi yekufamba mukati memavhiki mashoma ingave yakakosha," anodaro Greg McBride, muongorori mukuru wezvemari kuBankrate.
Inguva yakanaka yekutengesa imba here?
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.
