Tus nqi tsev 30 xyoo tau poob rau hnub thib ob sib law liag rau hnub Monday. Tom qab nce mus rau qhov siab tshaj plaws txij li Lub Xya Hli lub lim tiam dhau los, nws tam sim no nruab nrab 6.93%. Feem ntau ntawm lwm hom qiv kuj poob cov ntsiab lus hauv paus.
| Lub Teb Chaws Nruab Nrab ntawm Cov Lenders 'Cov Nqi Them Zoo Tshaj Plaws | |
|---|---|
| Qiv Hom | Kev yuav khoom tshiab |
| 30-Xyoo Kho | 6.93% |
| FHA 30 Xyoo Kho | 6.28% |
| 15-Xyoo Kho | 6.18% |
| Jumbo 30-Xyoo Kho | 6.86% |
| 5/6 ARM UA | 7.37% |
| Zillow Mortgage API muab kev nkag mus rau Zillow Mortgage API | |
Txawm hais tias hom qiv nyiaj twg koj tab tom nrhiav, cov nqi tuaj yeem sib txawv ntawm cov qiv nyiaj. Nws yog ib qho tsim nyog los sib piv lawv tsis tu ncua thiab khw ncig mus nrhiav tus nqi zoo tshaj.
Sib piv cov nqi tsev tam sim no - Lub Kaum Ob Hlis 31, 2024
Hnub Nyoog Kawg Nkaus Ntiag Tug Tus Nqi Nruab Nrab
Tsoom Fwv Teb Chaws Reserve lub Kaum Ob Hlis 18 kev kwv yees rau kev txo qis-rov qab txiav hauv xyoo 2025 ua rau muaj kev nce nqi ntawm cov nqi tsev mus rau 7.02 feem pua lub lim tiam dhau los. Hnub Friday qhov ntsuas nruab nrab poob rau 6.99% thiab hnub Monday, nws tau txo qis ntxiv. Qhov nruab nrab 30-xyoo tus nqi tam sim no yog 6.93%.
Cov nqi poob mus rau ob xyoos qis ntawm 5.89% rov qab rau lub Cuaj Hli, tab sis lawv tau nce siab los ntawm ntau tshaj ib feem pua ntawm peb lub hlis dhau los.
Yav dhau los, tus nqi rau 30-xyoo tsev qiv nyiaj tau nyob qis dua qhov siab hauv lub Plaub Hlis ntawm 7.37 feem pua. Thiab lawv ze li ntawm feem pua ntawm cov nqi pheej yig dua li keeb kwm 23-xyoo siab kawg ntawm 8.01% mus txog rau lub Kaum Hli 2023.
Qhov nruab nrab tus nqi rau 15-xyoo tsev qiv nyiaj poob 8 lub hauv paus ntsiab lus rau hnub Monday, mus rau 6.18%. Tus nqi ntawm 15-xyoo qiv nyiaj poob rau lub Cuaj Hli mus rau 2-xyoo qis, poob txog li 4,97%. Txawm hais tias niaj hnub no qhov nruab nrab 15 xyoo tau nce siab, nws tseem nyob qis dua Lub Kaum Hli 2023 qhov kev nyeem keeb kwm 7.08% - qhov siab txij li xyoo 2000.
Jumbo 30-xyoo tus nqi poob 6 lub hauv paus ntsiab lus rau hnub Monday mus rau qhov tshiab, qhov nruab nrab ntawm 6.86%. Jumbo 30-xyoo tus nqi nruab nrab poob rau 6.24% hauv lub Cuaj Hli. Qhov no yog qhov qis tshaj plaws uas nws tau muaj rau 19 lub hlis. Txawm hais tias txhua hnub keeb kwm jumbo tus nqi tsis tau tshaj tawm ua ntej 2009, nws tau kwv yees tias 8.14% ncov peb pom thaum Lub Kaum Hli 2023 yog qhov kim tshaj plaws jumbo 30-xyoo nruab nrab hauv 20-ntxiv rau xyoo.
| Lub teb chaws nruab nrab ntawm cov qiv nyiaj 'Qhov zoo tshaj plaws - Kev yuav khoom tshiab | ||
|---|---|---|
| Qiv Hom | Yuav Tus Nqi Tshiab | Hloov Txhua Hnub |
| 30-Xyoo Kho | 6.93% | -0.06 |
| FHA 30 Xyoo Kho | 6.28% | Tsis Hloov |
| VA Tsau 30-Xyoo | 6.45% | -0.09 |
| 20-Xyoo Tiav Tus Nqi | 6.84% | -0.09 |
| 15-Xyoo Kho | 6.18% | -0.08 |
| FHA 15 Xyoo Kho | 6.40% | Tsis Hloov |
| Kaum-xyoo tas lawm | 6.17% | -0.14 |
| 7/6 ARM UA | 7.30% | -0.02 |
| 5/6 ARM UA | 7.37% | -0.05 |
| Jumbo 30-Xyoo Kho | 6.86% | -0.06 |
| Jumbo 15-Xyoo Kho | 6.80% | -0.01 |
| Jumbo 7/6 ARM | 6.98% | -0.22 |
| Jumbo 5/6 ARM | 7.13% | -0.03 |
| Zillow Mortgage API muab kev nkag mus rau Zillow Mortgage API | ||
Lub Limtiam Freddie Mac Nruab Nrab
Freddie Mac yog tsoomfwv txhawb nqa cov neeg yuav khoom qiv nyiaj. Txhua hnub Thursday lawv tshaj tawm cov nqi tsev qiv nyiaj txhua lub lim tiam rau 30-xyoo qiv nyiaj. Lub lim tiam dhau los kev nyeem ntawv dhia 13 lub hauv paus ntsiab lus mus rau qhov nruab nrab txhua lub lim tiam ntawm 6.85%, tom qab lub lim tiam dhau los 12 lub hauv paus taw tes nce mus. Qhov tseeb, kev nyeem ntawv tau poob qis li 6.8% thaum Lub Cuaj Hli 26. Rov qab rau lub Kaum Hlis 2023, txawm li cas los xij, Freddie Mac qhov nruab nrab tau pom muaj keeb kwm nce, nce mus rau 23-xyoo siab kawg ntawm 7.79%.
Freddie Mac qhov nruab nrab txawv ntawm qhov peb tshaj tawm rau 30-xyoo tus nqi vim Freddie Mac suav qhov nruab nrab txhua lub lim tiam uas sib xyaw tsib hnub dhau los ntawm tus nqi. Investopedia qhov nruab nrab 30 xyoo, ntawm qhov tod tes, yog kev nyeem ntawv txhua hnub, uas muab qhov zoo dua thiab ntau lub sijhawm qhia txog tus nqi. Tsis tas li ntawd, cov txheej txheem rau cov nyiaj qiv (piv txwv li, tus nqi ntawm cov nyiaj them poob qis, cov qhab nia credit, suav nrog cov ntsiab lus luv nqi) txawv ntawm Freddie Mac tus txheej txheem thiab peb tus kheej.
Xam koj cov nyiaj them nqi tsev txhua hli uas siv lub tshuab xam nyiaj Mortgage.
Cov nqi uas peb tshaj tawm yuav tsis sib piv ncaj qha nrog tus nqi teaser uas koj pom tau tshaj tawm hauv online txij li cov nqi no yog cherry-xaiv raws li qhov txaus nyiam tshaj plaws piv rau qhov nruab nrab koj pom ntawm no. Teaser tus nqi yuav suav nrog them cov ntsiab lus ua ntej lossis tej zaum yuav yog raws li tus neeg qiv nyiaj nrog qhov qhab nia siab tshaj lossis rau cov qiv nyiaj me dua li ib txwm. Cov nqi yuav txawv nyob ntawm koj keeb kwm credit, nyiaj tau los, thiab lwm yam.
Dab tsi ua rau cov nqi tsev qiv nyiaj nce lossis poob?
Tus nqi tsev qiv nyiaj yog txiav txim siab los ntawm kev sib cuam tshuam ntawm macroeconomic yam thiab kev lag luam tshwj xeeb hloov pauv, suav nrog:
- Bond kev lag luam kev taw qhia thiab qib, tsom mus rau 10-xyoo Treasury yields
- Tam sim no cov cai tswj nyiaj txiag ntawm Tsoom Fwv Teb Chaws Reserve, tshwj xeeb tshaj yog nyob rau hauv kev cuam tshuam nrog tsoomfwv cov nyiaj yuav khoom thiab cov nyiaj txais qiv nyiaj.
- Muaj kev sib tw hnyav ntawm cov qiv nyiaj qiv nyiaj thiab hom qiv nyiaj.
Vim tias txhua tus lej ntawm cov no tuaj yeem ua rau muaj kev hloov pauv ib txhij, nws feem ntau nyuaj rau tus cwj pwm hloov pauv rau ib qho.
Rau feem ntau ntawm 2021, macroeconomic yam tseem ceeb khaws cov nqi tsev qiv nyiaj qis. Tsoom Fwv Teb Chaws Reserve tau yuav ntau lab nyiaj hauv daim ntawv cog lus los teb rau kev ntxhov siab nyiaj txiag los ntawm kev sib kis. Cov nqi tsev qiv nyiaj feem ntau cuam tshuam los ntawm cov phiaj xwm kev yuav khoom no.
Fed yuav pib txo qis nws qhov kev yuav khoom ntawm daim ntawv cog lus thaum lub Kaum Ib Hlis 2021. Txhua lub hlis, nws yuav txo qis kom txog thaum lub net yog xoom los ntawm Lub Peb Hlis 2022.
Fed tau tsa nws cov nyiaj tseemfwv qib siab hnyav thaum Lub Xya Hli 2020 thiab 2023 txhawm rau tiv thaiv kev nce nqi uas tau nce siab ntau xyoo. Tus nqi pub nyiaj tsis ncaj qha cuam tshuam rau cov nqi tsev. Cov nqi tsev qiv nyiaj thiab cov nyiaj Fed tus nqi yuav txawm txav mus rau qhov sib txawv.
Tab sis muab keeb kwm nrawm thiab qhov loj ntawm Fed tus nqi 2022 thiab 2023 nce - nce tus nqi ntsuas 5.25 feem pua ntawm cov ntsiab lus hauv 16 lub hlis - txawm tias qhov cuam tshuam tsis ncaj ntawm cov nyiaj pub dawb tau ua rau muaj kev cuam tshuam loj heev rau cov nqi tsev qiv nyiaj hauv ob lub hlis dhau los. xyoo.
Fed tuav lub Federal Funds Rate ntawm nws qib siab tshaj plaws, pib lub Xya hli ntuj 2023. Lub tuam txhab nyiaj hauv nruab nrab tau txiav tus nqi los ntawm 0.50 feem pua ntawm lub Cuaj Hlis 18, thiab ua raws nws nrog lub quarter-point poob rau lub Kaum Ib Hlis 7 thiab Kaum Ob Hlis 18.
Txawm li cas los xij, Pawg Neeg Saib Xyuas Txoj Cai Fed tau ceeb toom ntawm nws lub rooj sib tham lub lim tiam dhau los hais tias, vim muaj kev nce nqi siab, kev txiav nqi ntxiv yuav tsawg dua thiab nyob deb ntawm. Fed qhov kev hloov kho kev kwv yees ntawm 2025 tus nqi txiav tau thawb cov txiaj ntsig ntawm 10-xyoo Nyiaj Txiag Nyiaj Txiag siab dua. Qhov no nyob rau hauv lem coj mus rau ib tug nce nyob rau hauv cov nqi tsev.
The Mortgage Rate Tracker
Qhov nruab nrab ntawm lub teb chaws thiab lub xeev tau hais los saum toj no yog muab los ntawm Zillow Mortgage API, piv txwv li qiv-rau-tus nqi (LTV) piv ntawm 80% (piv txwv li, kev them nqi tsawg kawg yog 20%) thiab tus neeg thov qhab nia credit hauv 680–739 : kuv. Cov nqi no yog qhov koj tuaj yeem xav kom tau txais los ntawm cov qiv nyiaj thaum lawv muab nqe lus raws li koj qhov kev tsim nyog. Tej zaum lawv yuav txawv ntawm kev tshaj tawm tus nqi teaser. © Zillow, Inc., 2024. Cov ntsiab lus ntawm kev siv Zillow siv.
Cov ntawv xov xwm Investopedia cia siab tias nws cov neeg sau ntawv yuav siv cov kev tshawb fawb qub los txhawb lawv cov ntawv. Cov ntaub ntawv dawb, cov ntaub ntawv los ntawm tsoomfwv, kev xam phaj nrog cov kws tshaj lij, thiab kev tshaj tawm thawj zaug yog tag nrho cov piv txwv. Yog tias tsim nyog, peb kuj xa mus rau qhov kev tshawb fawb thawj zaug los ntawm lwm cov tshaj tawm uas hwm. Peb lub vev xaib muaj cov ntaub ntawv ntau ntxiv txog peb cov qauv tsim cov ntsiab lus tsis ncaj ncees, raug. Txoj Cai Editorial.
Freddie Mac. "Cov nqi tsev qiv nyiaj."
Congressional Research Service. "Federal Reserve: Tapering of Asset Purchases," Nplooj 1.
Department of Treasury of the United States. "Txhua Hnub Treasury Par Yield Curve Rates."
Koj puas paub tias ntau dua $ 140 nphom nyiaj hauv Bitcoin, lossis kwv yees li 20% ntawm tag nrho cov khoom siv Bitcoin, tam sim no raug kaw hauv hnab nyiaj tsis siv? Los yog tej zaum koj tau ploj mus rau koj lub hnab nyiaj Bitcoin? Tsis txhob cia cov nyiaj ntawd nyob twj ywm! AI Seed Phrase Finder nyob ntawm no los pab koj rov nkag tau yooj yim dua. Cov software muaj zog no siv cov thev naus laus zis thev naus laus zis thev naus laus zis thiab kev txawj ntse tsim los tsim thiab txheeb xyuas suav tsis txheeb cov kab lus thiab cov yuam sij ntiag tug, tso cai rau koj rov nkag mus rau cov hnab nyiaj uas tau tso tseg nrog cov txiaj ntsig zoo.
