Funda ukuba i-interest ye-interest interest rates iyanciphisa iintlawulo zakho zokuthenga
Eyokuqala yindlela i-mortgage rates ezimisele ngayo, ilandelwa yimpembelelo yexabiso lokubambisa i-US Federal Reserve Bank.
Ziyiphi ixabiso lokubambisa ngokusekelwe kulo?
Impendulo kuphela echanekileyo yimbobo yokubolekwa kwemali okanye i- mortgage-backed securities .
Imilinganiselo yokuboleka imali ayixhomekeke kwiNgcaciso yeNondyebo ye-10. Xa uthengisa umboleko omtsha wekhaya , uninzi lwazo luza ku-intanethi kwiwebhusayithi yakho eyintandokazi yezimali ukuze ubone indlela iBill Bill ye-10 yeminyaka eyenziwa ngayo. Enyanisweni, iziqinisekiso zokubambisa i-mortgage-backed (MBS), kubangela ukuba izinga lokuthenga imali liguquke. Enyanisweni, akuqhelekanga ukubona ukuba bahambe kwiindlela ezihlukileyo ngokupheleleyo kwaye, ngaphandle kokukhokelwa ngongcali, ukuba ukudibanisa intshukumo kunokukwenza ukuba wenze isigqibo sezimali esibi.
Abathengi baninzi beemarike ezithengiswayo ngokugqithiseleyo banamathele ixabiso lokuthengwa kwemali kwi-T-Bill yeminyaka eyi-10. Abaninzi balaba bashicileli bezemali banalo ulwazi olubanzi lweemarike ezibophelelweyo , kodwa abayiziingcali zengxowankulu kwaye abaziqondi ngokucacileyo ukuba ireyiti yemithwalo yemithwalo yemali isetyenziswe.
Isiphakamiso sam kukuphepha ukusebenzisana nabaqeqeshi bemali abagcina amehlo abo kwizibonakaliso ezingalunganga.
Iirhafu ezincitshisweyo ze-Fed - Kutheni kungabikho imali yokuhlawula imali ehla?
Xa i-Fed iyanciphisa isantya se-short-term discount, le nto yenzelwe ukukhuthaza ukusetyenziswa kwemali yabathengi kwixesha elifutshane, elichaphazela amaxabiso ekhadi lesikweletu , ezinye iimali-mboleko zemoto kunye nemigca yemboleko.
Ireyithi yexeshana yokunciphisa igalelo elincinci kwizinga elide lokuthenga imali.
Cinga ngolu hlobo: imarike ihamba ngokukhawuleza kunokuba ungalindela - ngamanye amaxesha ngokukhawuleza kombane. Xa abatyali-mali bebona i-short-term stimulus, bayabhawula ngaphandle kwindawo ekhuselekileyo yeebhanki-okanye ukufumana imali yokubambisa i-mortgage-backed-and move those dollars into stocks.
Xa oko kwenzeka, sibona i-rally kwiimarike zamasitoreji kunye nokuthengiswa kwemali-mboleko yokuxhasa imali, ezo zombini ezibangela ukuba inzala yenzalo ikhuphuke .
Sonke siye sava ukuthengiswa kwerediyo kumakhondi: "I-Fed iyona kwakhona - amazinga okuhlawula. Ungaphuthelwa ngeli thuba ukuze uthole amaxabiso aphantsi kakhulu kwiminyaka! Sitsho namhlanje, ngaphambi kokukhawuleza! Eli nyathelo liya kunceda ukuvuselela imarike yezindlu ".
Akunjalo ngokuqamba amanga kuthi, kodwa baxhatshazwa ngokubonisa ukuba ireyenti yokubolekwa kwempahla iya kulandelelana kwaye iyawa. Musa ukuwa kwi-hype. Yindlela. Zibalelwa ukuba bathetha into eyinyani ngokwaneleyo, abantu baya kuqala ukukholelwa. Yenza ifowuni ibhale, kwaye konke oko kubaluleke kuninzi lwaba babolekisi, abanye babo, ukuba ndidibanise nabo, bafaka ukutshabalalisa.
I-Realities ye-Fed Rate Cuts
Xa i-Fed iyanciphisa iirhafu, ngokukodwa ngokukhutshwa kwepesenti enkulu okanye ngokuphindaphindiweyo, abantu bacinga ngokuzenzekelayo ukuba ixabiso lokuthengwa liza kuwela. Kodwa ukuba ulandela imithwalo yemithwalo yempahla, njengaye, uya kubona ukuba ixesha elininzi, iirhafu zihamba ngokukhawuleza, ukuba kunjalo. Ngokomlando, xa ii-Feds ziye zanciphisa ngokukhawuleza amaxabiso, amazinga omdla ahlala ecinga ukuba afane namazinga asekwe phambi kwe-cut as they months after the cut.
I-Fed's moves isingabalulekanga ngokupheleleyo kwaye inefuthe elilibazisekileyo nelingathanga ngqo kwiirhafu zemali mboleko. Xa abatyali-mali bexhala malunga nokunyuka kwamaxabiso , le nkxalabo iya kutshintsha amaxabiso. Xa iCongress ifuna ukuvuselela isenzo kunye nokuphakamisa imali ngenxa yokusilela, iya kubangela ukuba i-US Treasury ibe yintando yabantu. Ukongezwa kwezibonelelo zeeNondyebo ezintsha kungabangela ukuba amazinga ahambe phezulu.
Ndiyaqhayisa abathengi bam ukuba baphephe i-siren kunye nengqiqo yecandelo lokhuseleko oludala ngokucinga ngemilinganiselo yokubolekwa kwemali mboleko kuya kuphucula nje ngenxa yezinga le-Fed cut cut.
Okona kubaluleke nakakhulu xa umthengi ekwinkqubo yokwenza isigqibo sokuba uvale umboleko ngaphambi nje kokuba uhlawule umlinganiselo we-Fed. Yithi umthengi usekonkontileka kwaye ucinga ukuba iFed iya kwiqondo eliphantsi kweveki ezayo. Umthengi angalingeka ukuba alinde ngaphambi kokuvalela imali-mboleko enkulu.
Xa i-Fed yenza ukuba ukuwa kwehle, kuthetha ngamaphuzu angama-50 okanye ngaphezulu, ngokwenene kunokubangela amaxabiso angama-30 anqwenela ukuqala. Kodwa ngokugqithiseleyo kwexesha amazinga amanqanaba amaninzi aphuma ngaphandle okanye aphinde alahleke ilahleko zabo - kuxhomekeka, ngokuqinisekileyo, kwiimpawu zorhwebo zangoku. Ngoko, ukuba umthengi wam ungapheli kwiiveki ezintathu zokuvala ngaphambi kokulindeleka kwe-Fed, ndisoloko ndincoma ukuvalela phambi kwe-Fed rate cut cut to protect this interest rate original.
UDan Tharp usebenza kwiComstock Mortgage eSigramento, CA.
Ngelo xesha lokubhala, u-Elizabeth Weintraub, uBRE # 00697006, nguMthengisi-Associate eLyon Real Estate eSigramento, eCalifornia.