I-30 yeminyaka emiselweyo ye-mortgage freddie mac
Inzala yemali-mboleko yinzala oyihlawulayo kwimali-mboleko yakho yokubambisa. Amaxabiso emali ebolekwayo atshintsha yonke imihla kwaye asekelwe ekuguquguqukeni kweemarike, kodwa okwangoku asezantsi. Ngokuxhomekeke kuhlobo lwemali-mboleko, inzala inokuba yinzala emiselweyo okanye inzala ehlengahlengiswayo kwixesha lemali-mboleko.
Kwimali-mboleko emiselweyo yeminyaka engama-30, izinga lenzala lihlala lifana kwiminyaka engama-30 yemali mboleko, kucingwa ukuba uyaqhubeka nokuba nendlu ngelo xesha. Ezi ntlobo ze-mortgages zikholisa ukuba lolona mbulelo ludumileyo kuzinzo kunye neentlawulo eziphantsi zenyanga ezinikezela kubaboleki xa kuthelekiswa ne-15-year fixed mortgages.
Intlawulo yenyanga nganye isetyenziselwa ukuhlawula inzala kunye nenkunzi, eya kuhlawulwa kwiminyaka engama-30, ngoko ke ezi ntlawulo zenyanga ze-mortgage ziphantsi kakhulu kunezo mboleko zexesha elifutshane. Nangona kunjalo, uya kugqiba ukuhlawula kakhulu inzala ngale ndlela.
Imali-mboleko yeminyaka engama-30 ingaba luncedo kakhulu, kodwa kufuneka ucinge ukuba uceba ukuhlala ixesha elingakanani kwikhaya lakho elitsha. Ukuba iintlawulo eziphantsi zokubambisa nyanga nganye zezona zinto zibalulekileyo kuwe, kufuneka uthathele ingqalelo iminyaka engama-30 yemali-mboleko emiselweyo ngoncedo lwegosa lemali-mboleko.
70s izinga lenzala
Ngokunyuka kwe-Fed yokubikezela emva kweentlanganiso zayo eziseleyo, uninzi lwezalathisi zikhomba ukuba inzala iqhubeka nokunyuka ngo-2022. Nangona kunjalo, ukungaqiniseki kwezoqoqosho kuya kubangela ukuguquguquka kweveki ngeveki.
Iingcali ezivela kwi-Mortgage Bankers Association, i-First American kunye nezinye iinkokeli zeshishini zilindele ukuba amaxabiso e-30 yeminyaka ye-mortgage aqhubeke nokunyuka ngoMeyi, nangona mhlawumbi engakhawulezi njengoko benzile kwinyanga ephelileyo.
«I-Federal Reserve iya kuphakamisa izinga layo lokubhekisela kwakhona ngoMeyi. Ngezinga lentswela-ngqesho elikufutshane nerekhodi esezantsi kunye nokunyuka kwamaxabiso aphezulu kumashumi amane eminyaka, i-Federal Reserve inokunyuka isantya esinamandla ngeli xesha, igcina amaxabiso emali-mboleko ephezulu.
Ndilindele ukuba izinga le-30 ye-mortgage esisigxina kwi-avareji ye-5,2% kwinyanga ezayo. Njengoko ukunyuka kwamaxabiso kuya kuqalisa ukucotha kamva kulo nyaka, amaxabiso emali-mboleko anokunganyuki ngokukhawuleza njengangoku. Ke ndilindele ukuba amaxabiso emali-mboleko yeminyaka engama-30 afikelele kwi-5% ngo-2022.
"Amaxabiso e-mortgage sele enyukile ukubonisa ukungadityaniswa kwe-Fed kwipotfoliyo ye-mortgage kunye nezicwangciso zayo zokunyusa izinga lemali ye-federal. Ukuba amazinga onyuka nangaphezulu kuya kuba kungenxa yokuba ukunyuka kwamaxabiso kusalawuleka. Kodwa ukuba i-Fed ilawula ukulawula ukunyuka kwamaxabiso, kunokwenzeka ukuba amaxabiso aya kuwa ngokumodareyitha. Kuya kufuneka ilinde kwaye ibone".
Imali mboleko yendlu
Umyinge we-APR ye-30 ye-reference reference kwizinga elimiselweyo liye lehla namhlanje ukuya kwi-5,48% ukusuka kwi-5,53% izolo. Kwiveki ephelileyo ngeli xesha, i-APR ye-mortgage esisigxina yeminyaka engama-30 yayiyi-5,50%. Ngokwenxalenye yayo, umyinge we-APR ye-15-year fixed mortgage yi-4,81%. Kwiveki ephelileyo malunga nale mihla, i-15 yeminyaka eyi-4,89 ye-mortgage ye-APR yayiyi-XNUMX%. Amaxabiso acatshulwe njenge-APR.
Umyinge we-APR yeminyaka engama-30 yemali-mboleko ye-jumbo emiselweyo yi-5,35%. Kwiveki ephelileyo, umndilili we-APR kwimali-mboleko ye-jumbo yeminyaka engama-30 ibisisi-5,40%. Umyinge we-APR ye-5/1 yemali yokubambisa nge-ARM yi-4,91%. Kwiveki ephelileyo, umndilili we-APR kwi-5/1 ye-ARM yokubolekwa kwempahla yayingu-4,81%.
Nangona imilinganiselo yokubolekwa kwezindlu ichatshazelwa ngokuthe ngqo yi-US Treasury izivuno, ukunyuka kwamaxabiso kunye nomgaqo-nkqubo wemali weFederal Reserve ngokungangqalanga kunempembelelo kwimilinganiselo yokuboleka imali. Njengoko ukunyuka kwamaxabiso kukhula, i-Federal Reserve iphendula ngokufaka umgaqo-nkqubo wezemali onobundlongondlongo, nto leyo ekhokelela ekunyukeni kwamaxabiso emali-mboleko.
"Uxinzelelo lokuqulatha ukunyuka kwamaxabiso luya kunyuka kwaye i-Fed kuya kufuneka inyuse izinga lemali ye-federal ngamaxesha asibhozo ukuya kwayi-XNUMX ekunyusweni kwekota kulo nyaka," kusho uLawrence Yun, ingcali yezoqoqosho kunye nosekela-mongameli ophezulu wophando kwi-National Association of Realtors. (NAR). "Ukongezelela, i-Fed iya kuhoxisa ngokuthe ngcembe ukunyibilika kobuninzi, inyusa amaxabiso exesha elide lokuboleka imali."
i-tilbakemelding
Ukuthenga ikhaya nge-mortgage yeyona ntengiselwano inkulu yezemali uninzi lwethu oluyenzayo. Ngokuqhelekileyo, ibhanki okanye umbolekisi wezindlu ezibolekwayo uhlawula i-80% yexabiso lekhaya, kwaye uyavuma ukuyihlawula kwakhona-nenzala-kwixesha elimiselweyo. Xa uthelekisa ababolekisi, inzala yemali-mboleko, kunye nokhetho lwemali-mboleko, kuyanceda ukuqonda indlela i-mortgages esebenza ngayo kwaye loluphi uhlobo olunokuba lulungele wena.
Kwiimali-mboleko ezininzi, inxalenye yemali ebolekiweyo (inqununu) kunye nenzala ibuyiswa ngenyanga nganye. Umbolekisi uya kusebenzisa i-amortization formula ukwenza ishedyuli yentlawulo eyahlula intlawulo nganye ibe yinqununu kunye nenzala.
Ukuba wenza iintlawulo ngokwesicwangciso sokubuyisela imali mboleko, iya kuhlawulwa ngokupheleleyo ekupheleni kwexesha elimiselweyo, umzekelo iminyaka engama-30. Ukuba i-mortgage yizinga elimiselweyo, intlawulo nganye iya kuba yimali elinganayo yedola. Ukuba i-mortgage yireyithi eguquguqukayo, intlawulo iya kutshintsha ngamaxesha njengoko izinga lenzala kwimali-mboleko litshintsha.
Ixesha, okanye ubude, bemali-mboleko yakho bukwachaza ukuba uza kuyihlawula malini nyanga nganye. Okukhona ixesha lide, kokukhona zisezantsi iintlawulo zenyanga. Ukurhweba kukuba okukhona kuthatha ixesha ukuhlawula imali-mboleko, kokukhona liphezulu ixabiso lilonke lokuthenga ikhaya kuba inzala iya kuhlawulwa ixesha elide.
