Kukwira kwemitengo yemortgage uye mitengo yemapuranga
Zvizhinji kana zvese zvinopihwa pane ino saiti zvinobva kumakambani kubva kune MaInsiders anogashira muripo (kune runyorwa ruzere, ona pano). Mafungiro ekushambadza anogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pasaiti ino (kusanganisira, semuenzaniso, marongero azvinobuda) asi hazvikanganise sarudzo dzekupepeta, senge kuti ndezvipi zvigadzirwa zvatinonyora nezvazvo uye kuti tinozviongorora sei. Yemunhu Yemari Insider inotsvagisa dzakasiyana siyana dzekupa paunenge uchiita kurudziro; zvisinei, isu hativimbisi kuti ruzivo rwakadaro runomiririra zvigadzirwa zvese kana zvinopihwa zviripo pamusika.
Makumi matatu emakore fixed mortgage interest rates iri kusvika 4%. Pakutanga kwa2021 vaive pasi pe3%. Musiyano mukuru uyu unogona kuita kuti zviratidzike sekunge mitengo yakakwira uye watadza kuwana mari yembavha yakanaka.Zvisinei, data kubva kuFreddie Mac inoratidza kuti mitengo yembavha ichiri shoma. Munguva pfupi yapfuura pakupera kwa2018, mitengo yemakore makumi matatu yakanga yasvika pa30%. Mari dzemba dzatokwira gore rino, uye dzinogona kuramba dzichikwira. Fed inotarisira kukwidza mari yakadyiswa kakawanda muna 5 maererano nekukwira kwemitengo, iyo inogona kuva chiratidzo chokuti mari yekubhadhara mari ichakwirawo.Zvisinei, pane zvimwe zvakawanda zvinofanira kufungwa nezvazvo. Kana paine kutsva kwekoronavirus, kana kupokana pakati peRussia neUkraine kuchikanganisa zvakanyanya US, kukura kwehupfumi kunogona kudzikira uye kukwira kwemitengo yembangi kunogona kumira. Muna 2022, kwete nekukurumidza sezvavakaita muna 2022. Ndira naKukadzi. "Vanogona kukwira kusvika ku2022%," akadaro Nicole Rueth, achigadzira director webazi weThe Rueth Team yeFairway Mortgage. “Ipapo ndinofunga kuti vachadzokera pasi kana tapinda mune imwe mhando
Kukwira kwemhindu kunodzikisira mitengo yemba here?
Nekukwira kwemitengo kwakakwira makore makumi mana, kuwedzera kwehupfumi kwakadzikira uye musika wedzimba wakadzikira, zvichikonzera kusagadzikana mukukura kwemhindu uye kuderedzwa kwazvino. Mitengo inogona kutarisana nemhepo svondo rinouya kana kusagadzikana kwakafanana kukaramba kuchienderera.
"Nekusava nechokwadi kwakawanda mumaonero ehupfumi, mitengo yembavha inogona kuramba ichikwira mumwedzi unotevera, kunyanya kana Fed's rhetoric yekudzorera kugadzikana kwemitengo ichienderera mberi." -Selma Hepp, CoreLogic Mutevedzeri Mukuru weEconomist
“Inflationary inflation uye kuomeswa kwemutemo weFederal Reserve ndizvo zviri kuita kuti mari yembavha ikwire nhasi. Zvichakadaro, iyo data inoratidza kuti inflation icharamba yakakwira mumwedzi iri kuuya. Nekudaro, iyo Federal Reserve ichafanirwa kuita akawanda mareti kukwidza kuunza inflation pasi kune yayo 2% chinangwa.
Kuwedzera kushanu kwemitengo kungangove gore rino. Zvakare, iyo Federal Reserve ichatanga kudzikisa saizi yebalance sheet muna Chikumi. Izvi zvinoreva kuti Fed ichadzikisa mabhondi ayo nekuwedzera kupihwa kweUS Treasuries pamusika. Iri zano rinotarisirwa kusundidzira goho rePreasury uye mitengo yembangi yakakwira zvakanyanya muhafu yechipiri ya2022. Nokudaro, ndinotarisira kuti 30-year fixed mortgage rate kusvika pakati pe5,5% pakati pe2022."
Musika wedzimba wakabva wangopenga
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
MIRA KUTENGA (Inflation Ichangopwanya Spring 2022 Housing
Sei mibairo ichikwira? Mari dzemubereko dzemondi dziri kukwirawo muUK here? Unogona here kudzivirira chikwereti chako kubva kune yakakwira mubereko? Ko kana ndichizonyorera rendi nyowani munguva pfupi iri kutevera? Ndingaite sei kuti ndiwane mari yemortgage yakatarwa?
Inflation yakakwira zvishoma kubva Kubvumbi 2021, ichangoburwa Consumer Price Index (CPI) inflation yakamira pa6,2% muna Kubvumbi. Uyu ndiwo mwero wepamusoro weinflation wakanyorwa muUK kubva munaKurume 1992.
Vanachipangamazano veMortgage kuClifton Private Finance vakatoona vanokweretesa vachivandudza mari yavo yemubereko maererano nekukwira kwemitengo ichangoburwa: Vakweretesi vemortgage vanowanzoverenga mibairo yavanopa zvichibva pachiyero cheBhange reEngland.
Asi yeuka kuti zvikwereti zvinotevedzwa zvinowanzova nemachaji ekukurumidza kubhadhara (ERC) kudzivirira kudzoreredza temu isati yasvika, saka iva nechokwadi chekutarisa zvese zvese zvepolicy yako yazvino usati waita sarudzo, uye taura kune chipangamazano chemondi kana usiri. chokwadi.
Vanogona kudonongodza zvese zvaungasarudza pachikwereti chitsva kana chiripo, vachiisa zvakanakira nezvayakaipira papolicy yega yega, uye kutaurirana nezvemibairo yakanakisa inowanikwa kwauri munzira.
