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Iindaba ze-Mortgage

Ungaze uzame ukuchasana neFederal Reserve

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08/13/2022

Idatha yamva nje evela kwiSebe lezaBasebenzi ibonise ingqesho engeyiyo yeefama inyuke ngama-528,000 ngoJulayi, nto leyo ibhetele kakhulu kunokulindela imarike ye-250,000.Kwaye izinga lentswelo-ngqesho lehle laya kutsho kwi-3.5%, libuyela kumanqanaba angaphambi kobhubhane ngoFebruwari ka-2020.

iintyatyambo

(Umthombo ovela kwi-CNBC)

Kubonakala ngathi yidatha elungileyo yokuma eneneni yaba sisibetho kwimarike, ebiphulukene nomlo wayo kunye neFederal Reserve.

 

Yintoni eyenziwa yiMarike ukuxhathisa?

Ukususela kunyaka ophelileyo, i-Fed iphosakele kabini ngokulandelelana, okokuqala ngokujongela phantsi ukuqhubeka kokunyuka kwamaxabiso kunye nokugqithisa amandla ayo okunciphisa izinga eliphezulu lenzala.

iintyatyambo

Ekupheleni konyaka odlulileyo, uPowell wayesagxininisa ukuba ukunyuka kwamaxabiso aphezulu kwakungokwesikhashana.

Iimarike zisanda kuqwalasela ukuba i-Fed inokwenza impazamo yesithathu-ithembele kakhulu kwingqesho njengendlela yokulinganisa uqoqosho kunye nokujongela phantsi ixesha lokudodobala koqoqosho.

Ngaphambi koLwesine odlulileyo (ngomhla we-4 ku-Agasti ka-2022), amagosa amathandathu e-Fed aye anikezela iintetho "ze-Hawkish" ngezihlandlo ezahlukeneyo, ethumela umyalezo ocacileyo kwiimarike "ezingawajongeli phantsi amandla okulwa kweFed kunye nokunyuka kwamaxabiso".

Uluhlu lweentetho ezidityanisiweyo zenzelwe ukulumkisa iimarike ukuba ziyeke ukuba yi-naysayers kunye ne-Fed.

Into enomdla kukuba iimarike azizange zishukunyiswe ziintetho kwaye ziqala ukubheja ukuba i-Fed "Iza kunikela" ngokukhawuleza xa ijongene nemingcipheko yokudodobala koqoqosho kwaye ivule indlela yokuqinisa, ngelixa ukubikezela kuya kubakho ukunyuka okucothayo. ngokukhawuleza nje kwintlanganiso kaSeptemba.

Imeko ibonakala iguqukela "kwi-Fed ayifuni ngokuchasene neemarike" ukusuka "ungalwi neFed" ngokuthe ngcembe.

Ngaphantsi kwesikhokelo solu lindelo, amasheya aqala ukunyuka kwaye isivuno sebhondi saqala ukuhla.Iimarike zisebenza ngokungahambisani nomyalezo weFed, kwaye ngandlela-thile zichasene neFed - ijaji yokugqibela iya kuba yidatha yezoqoqosho.

 

I-Fed iyaphumelela.

Nokuba yeyiphi na into yedatha imarike iqala ukubuyela kubunyani ngedatha kaJulayi engeyiyo eyefama ekhutshiweyo.

iintyatyambo

(Umthombo ovela kwi-intanethi)

Ngaphezulu koko, inani lemisebenzi eyongeziweyo ngoMeyi nangoJuni yahlaziywa ngama-28,000 aphezulu kunokuba bekuxelwe ngaphambili, iphakamisa ukuba imfuno yabasebenzi ihlala yomelele kwaye inciphisa kakhulu uloyiko lokudodobala koqoqosho.

Ngokubanzi, imarike yabasebenzi eshushu iye yavula indlela yokuba i-Fed igcine indlela yayo yokunyuka kwezinga elibukhali.

Emva kokuba i-Fed ithumele umqondiso wayo oqinileyo wokuqinisa kumashumi eminyaka, imarike yahamba ngeshishini layo njengesiqhelo, yaze yanceda i-stock market ukuba ibonise ukusebenza kwabo kakuhle kwiminyaka yamuva.

Kwiimarike ngokungalindelekanga, ngelixa yaqala ukubheja kwinguqu kumgaqo-nkqubo we-Fed, ukutyhala i-stocks phezulu kunye nezivuno ze-Nondyebo eziphantsi, imfuno engaphezulu yakhuthazwa, ukunciphisa umngcipheko wokudodobala koqoqosho kunye nokunciphisa iinzame ze-Fed zokulawula ukunyuka kwamaxabiso ngaxeshanye.

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Ukulandela ingxelo ekhutshwe, amathuba okunyuka kwe-75 bp kwi-Fed ' Intlanganiso kaSeptemba inyuke yaya kutsho kuma-68%, iphezulu kakhulu kunokonyuka kwesantya se-50 bp njengoko bekuqikelelwe.(Isixhobo se-CME FedWatch)

Idatha engeyiyo eyefama iye yapholisa imakethi enethemba eligqithisileyo -- ulindelo lokunyuka kwamazinga angakumbi anyuke ngendlela emangalisayo eqinisekisa ukuba iWall Street mantra ayisoze yazama ngokuchasene neFed.

 

Ngubani olahlekise iiMarike?

Njengoko sele sikhankanyile kumanqaku angaphambili, umgaqo-nkqubo we-Fed ukhangele ibhalansi phakathi "kwexabiso lokunyuka kwamaxabiso" kunye "nezinga lokungaqeshwa".

Kucacile ukuba i-Fed ikhethe "ukulawula umngcipheko wokunyuka kwamaxabiso" ngaphezu "kokunikela ngoqoqosho".Isiphumo siya kuba kukuncama uqoqosho, nangona kwinqanaba elahlukileyo.

Oko kufuneka siyazi kukuba i-Fed iya kufuneka ihambe ngokukhawuleza kwindlela yokuqinisa ngaphambi kokuba ukunyuka kwamaxabiso kubuyele kwindawo efanelekileyo.

I-Fed ingaba kwinqanaba lokunyusa inzala nge-75 bp ngoSeptemba.Ngoku masilindele le nkqubo ilandelayo ye-CPI.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.


Ixesha lokuposa: Aug-13-2022