Inguva yakanaka yekutenga imba panguva yekugadzwa?
Nemisika yemabhondi yaitarisira kuti mubereko weBanga reCanada ucharova 2,50% gore rinouya, nyanzvi yezvehupfumi yeCapital Economics Stephen Brown akashamisika, "Musika wedzimba ungakwanisa here kudzoka kune pre-denda remortgage mitengo, kunyangwe mitengo yakakwira kupfuura 50% mukati. panguva ino? Mhinduro ndeyokuti 'kwete' zvakasimba," akapindura kudaro.
Kana mubereko pazvikwereti zvehusiku, izvo zvinopesvedzera chiyero chepamusoro uye, zvakare, kuchinja kwemitengo yembangi, yaizosvika pa2%, Brown akati kukwira kwemitengo yemba kunofanira kunonoka. mubereko wepamutemo waizoita kuti mitengo yemba iderere.
"Hatifanirwe kufungidzira kuti Bhanga rinoda kudzivirira kudzikira kwemitengo yedzimba zvachose," akawedzera. "Mitengo yedzimba ndiyo inonyanya kukonzera kukwira kwemitengo yedzimba, saka kudzikira zvishoma kungabatsira kudzora kukwira kwemitengo yevatengi pasina kukanganisa zvakanyanya hupfumi."
Asi nemitengo parizvino yakakwirisa zvichienzaniswa neyechinyakare mametrics ekuyeresa, Brown akati njodzi ndeyekuti kuderera kwekutanga kunogona kukonzera "kudzika" kwemitengo yakaderera yemba uye yakaderera tarisiro yemitengo yemba.
Inguva yakanaka here kutenga imba kune vatengi vekutanga?
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 yakatarwa reti yembandi ndiyo yakatsiga sarudzo kune vanotenga dzimba. Mubereko uchave wakakwirira kudarika wechikwereti chemakore gumi nemashanu (chinonyanya kufarirwa pakubhadhara mari), asi iyo yemakore makumi matatu yakagadziriswa hairatidze 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 akanyanya-isina 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.
Ndotenga imba izvozvi here kana kumirira kusvika 2022?
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.
Ndotenga imba izvozvi here kana kumirira kudzikira?
Zvizhinji kana zvese zvinopihwa pane ino saiti zvinobva kumakambani kubva kune MaInsiders anogashira muripo (kune yakazara runyorwa, 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 inotsvagisa dzakasiyana siyana dzekupa paunenge uchiita kurudziro; zvisinei, isu hativimbisi kuti ruzivo rwakadaro runomiririra zvigadzirwa zvese kana zvinopihwa zviripo pamusika.
Varidzi Vedzimba Vakawana Huenzanisi Yakawanda Munguva Yedenda Chikonzero chakakosha chekuti mari-yekubhadhara mari inogona kuramba ichibatsira varidzi vedzimba ndechekuti, mushure memakore maviri ekukwira nekukurumidza kwemitengo yepamba, boka iri rine huwandu hwakawanda. Sezvo mamiriro emusika akapa varidzi vedzimba mari yemahara, zvingave zvine musoro kupinza imwe yehupfumi ihwohwo uye kuishandisa kuvandudza mamiriro ako emari, kungave nekuiisazve mumba mako kana nekubatanidza chikwereti chemari yakawanda. Mittal, mukuru wezvikwereti kuCitizens Bank, anoti anogara achiona vanhu vachishandisa mari-out refinancing kuzvinhu zvakaita sekuvandudzwa kwedzimba, kubatanidza zvikwereti kana kubhadhara zvinhu zvakakura. "Vanhu vanogona kushandisa mari kune chero zvavanoda zvemari," anodaro Mittal. Hapana mitemo yekuti mari ingashandiswa sei.
