1 (877) 789-8816 clientsupport@aaalendings.com

Iindaba ze-Mortgage

[Ireyithi yokunyuka ifikelela esiphelweni] UPowell "uvuzayo" umisa indawo yokunyuka kweqondo?

FacebookTwitterLinkedinYouTube

02/10/2023

Ukucotha ngakumbi kwesantya!

NgoLwesithathu odlulileyo, intlanganiso kaFebruwari yeFOMC yaphela.

 

Njengoko kulindelwe ngokubanzi yimarike, i-Federal Reserve ye-Monetary Policy Committee yabhengeza i-25 yenqanaba lokunyuka kwenqanaba lesiseko, iphakamisa uluhlu olujoliswe kuyo kwireyithi yemali ye-federal ukusuka kwi-4.25% -4.50% ukuya kwi-4.50% -4.75%.

Oku kukwehla kwesibini okulandelelanayo kwisantya sokunyuka kwesantya se-Fed kunye nenqanaba lokuqala lokunyuka kwamanqaku angama-25 kuphela ukususela ngoMatshi wonyaka ophelileyo.

Ukulandela iindaba, izivuno zebhondi zase-US zawa ngokukhawuleza kwiiveki ezimbini eziphantsi kwe-3.398%, ukusuka kwi-3.527% ngosuku lwangaphambili.

Imakethi ikholelwa ukuba i-Fed isendleleni yokunciphisa ukunyuka kwamaxabiso kunye nokuba ikhefu kule ntwasahlobo inokwenzeka ngakumbi.

Umahluko omkhulu kwintlanganiso yangaphambili kukuba, okokuqala, kukho ukuqaphela ukuba ukunyuka kwamaxabiso kuye kwamodareyitha ukuya kwinqanaba elithile.

iintyatyambo

Umthombo womfanekiso: Bloomberg

Oku kuthetha ukuba izikhombisi zokunyuka kwamaxabiso ezijongwa ngokusondeleyo yi-Fed zihamba ngendlela efanelekileyo - eyona nto iqinisekisa ukuba inkqubo yokunyusa inzala ye-Fed ekupheleni kwayo.

 

Inqanaba lokugqibela le-X lokunyuka?

Xa kuthelekiswa nenkcazo eyenziwe kwintlanganiso yezinga, uSihlalo we-Fed uJerome Powell wenkomfa yabezindaba emva kwentlanganiso ihlala iphawuleka ngakumbi.

Kuloo nkomfa yabezindaba, iintatheli zaphonononga imibuzo kaPowell malunga nokuba uzakuyeka nini ukunyusa amaxabiso.

Ekugqibeleni, uPowell akazange amelane noxinzelelo, isiqingatha okanye "ukuvuza" ngoko ke imarike yayivame ukuqinisekisa ukuphela kwesantya sokunyuka ngokukhawuleza!

U-Powell uthe i-FOMC ixoxa ngokunyusa amaxabiso amaxesha ambalwa (isibini esingaphezulu) kumanqanaba okuthintela, emva koko simise;kwaye uthe abenzi bomgaqo-nkqubo abakholelwa ukuba lixesha lokunqumamisa ukunyuka kwamaxabiso.

Uninzi lwabathathi-nxaxheba bemarike batolika le nkcazo (isibini esingaphezulu) njengokunyuka kwamaxabiso amabini.

Oku kuthetha ukuba izinga lenzala liya kuqhubeka liphakanyiswa ngamanqaku angama-25 ngoMatshi nangoMeyi, oku kuthetha ukunyuka kwezinga lomgaqo-nkqubo ukuya kuluhlu lwe-5% ukuya kwi-5.25%, ngokuhambelana nokulindela inzala ephezulu njengoko kubonisiwe ngoDisemba. isicwangciso samachaphaza.

 

Nangona kunjalo, ngaphandle kwengcebiso kaPowell yokunyuka kwamaxabiso amabini, imarike ilindele enye kuphela ngoMatshi.

Okwangoku, ulindelo lwe-25 yesiseko senqanaba lokunyuka ngo-Matshi ngu-85%, kwaye imarike ikholelwa ukuba ithemba lelinye izinga lokunyuka kwe-Fed ngoMeyi liye lancipha.

 

Imarike ayisakhathali ngeFed

Kubekho idabi elibukhali phakathi kwemarike kunye neFed ukusukela ngoNovemba ophelileyo, kodwa ngoku ibhalansi phakathi kwemarike kunye neFed ibonakala ngathi ixhasa eyokuqala.

Iinyanga ezintathu zokugqibela zibone ukukhululeka okubalulekileyo kweemeko zemali: Iimarike zentengiso zenyuka, isivuno se-bond sawa, amaxabiso e-mortgage ehla ukusuka phezulu, kwaye ngoJanuwari walo nyaka, izitokhwe zase-US zithumele ngokwenene ukusebenza kwazo okuhle ukususela ngo-2001.

Ukususela ekusebenzeni kweemarike, ukunyuka kwezinga ezimbini zokugqibela, imarike phantse zonke zigaye iziphumo zokunyuka kwezinga ukuya kwi-50bp kunye ne-25bp kwangaphambili.

Kukho ingqiqo ecacileyo yokuba imarike ayinakukhathazeka kakhulu malunga neFed xa kuthelekiswa nexesha elingaphambi kukaDisemba 2022 - imarike ayisabonakali ikhathalele iFed.

Ngelixa i-Fed iqhubeka nokunyusa amaxabiso exesha elifutshane, amaxabiso aphakathi kunye nexesha elide, aphenjelelwa kakhulu kukulindelwe ngumtyali-mali (njengamaxabiso amaninzi emali yokubolekwa kwempahla), ayeke ukunyuka okanye aqale ukuhla kancinci.

iintyatyambo

Imilinganiselo yemali-mboleko yeminyaka engama-30 iye yehla ngokuthe ngcembe ukusuka kwincopho yayo ngo-Okthobha (Umthombo womfanekiso: Freddie Mac)

Ukongeza, nangaphezu kokuba bekulindelwe idatha yengqesho kunye nokukhula koqoqosho akwenzanga nto ukutshintsha utyekelo lwemarike.

Imarike ngokubanzi ikholelwa ukuba inqanaba langoku lezinga lenzala liye laphakama kwinqanaba elinokuthi libangele ukuhla kwezoqoqosho kwaye i-Federal Reserve inokuqala ukusika amaxabiso kulo nyaka.

 

Kwaye ngaloo mpembelelo, indlela ehlayo kumaxabiso emali-mboleko iba nkulu ngakumbi.

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: Feb-11-2023