Kana iyo Federal Reserve inosimudza iyo federal mari mwero, inowanzo tungamira kune yakakwira kiredhiti muhupfumi, kusanganisira yemortgage rates.Ngatikurukurei muchinyorwa chiri pasi apa kuti chiyero ichi chinowedzera sei kukanganisa vatengi, vatengesi uye varidzi vemba vanotarisa kugadziridza.
Mabatirwo Anoitwa Vatengi Vedzimba
Kunyange zvazvo mari yekubhadhara mari uye federal fund rate haina kuwirirana zvakananga, ivo vanowanzotevera nzira imwechete.Naizvozvo, chiyero chepamusoro chemari yemubatanidzwa chinoreva kukwira kwemitengo yevatengi.Izvi zvine zvakawanda zvinokonzeresa:
- Iwe unokodzera kuwana mari yechikwereti yakaderera.Huwandu hwekubvumidzwa kwekare kubva kune vanokweretesa hunobva pane zvese kubhadhara kwako pasi uye mubhadharo wepamwedzi waunogona kutenga zvichienderana nechikwereti chako-kune-income ratio (DTI).Iwe unenge uine mari yechikwereti yakaderera iwe yaunokwanisa kubata nekuti kubhadhara kwako pamwedzi kwakakwira.Izvi zvinogona kunyanya kukanganisa vatengi vekutanga nekuti havana mari kubva pakutengeswa kwemba yekubvisa mari yechikwereti yakaderera nemubhadharo wepamusoro.
- Unogona kuwana zvakaoma kuwana dzimba mumitengo yako.Sezvo mitengo ichikwira, vatengesi vanowanzofarira kuchengetedza mitengo isina kuchinjwa uye vanogona kutodzidzikisa kana vakasagamuchira zvinopihwa mushure menguva yakati rebei, asi zvakakosha kuziva kuti izvi zvingasaitika kamwechete.Mazuvano, iyo hesiti haina kukwana pamusika wedzimba kuti uenderane nekupihwa, kunyanya kana zvasvika kudzimba dziripo.Nechikonzero ichi, pent-up kudiwa kunogona kuchengetedza mitengo yakakwira kwenguva yakati rebei.Vamwe vatengi vangasafunga kutenga dzimba nyowani kwenguva pfupi.
- Mitengo yakakwira inoreva kukwira kwemortgage payments.Izvi zvinoreva kuti iwe uchashandisa yakakura chunk yebhajeti yako yepamwedzi paimba yako.
- Unofanira kunyatsoyera kutenga maringe nekurenda.Kazhinji, nemitengo yezvivakwa ichikwira nekukurumidza, mutengo werendi unokwira nekukurumidza kupfuura kubhadhara kwembande, kunyangwe nemitengo yakakwira.Nekudaro, iwe unogona kuverenga sekuenderana nekwaunogara nekuti misika yese yakasiyana.
Mabatirwo Anoitwa Vatengesi Vepamba
Kana uri kuronga kutengesa imba yako, unogona kunzwa kuti inguva yakakodzera sezvo mitengo yemba yakakwira 21.23% gore rino.Sezvo mitengo inokwira, pane zvinhu zvakawanda zvaunofanira kufunga nezvazvo:
- Vanofarira vatengi vanogona kuderera.Mitengo yepamusoro inoreva kuti vanhu vakawanda vanogona kuderedzwa kubva pamusika wazvino.Kureva kuti, zvinogona kutora nguva yakawanda kuti zvinopihwa zvipinde mumba mako uye unogona kumirira kwechinguva kuti itengese imba yako.
- Iwe wangu unoona zvakaoma kuwana musha mutsva.Chimwe chezvikonzero chinoita kuti imba yako ive inodiwa uye inokwidza mitengo yemba inyaya yekuti kune mashoma anowanikwa sarudzo pamusika.Chaunofanirwa kuziva ndechekuti kunyangwe iwe ukawana mari yakawanda pamba pako, unogona pakupedzisira kushandisa yakawanda kutsvaga imwe imba.Unenge uchiitawo izvozvo nemari yakakwira.
- Imba yako inogona kusatengesa zvakanyanya sezvaunotarisira. Ichi ndicho chikamu chakaomesesa kufanotaura nekuti inventory ishoma zvekuti mitengo icharamba yakakwira munzvimbo dzakawanda kwenguva yakareba kupfuura zvavaisiita munzvimbo inokwira yemitengo.Zvisinei, pane imwe nguva, kupenga kwedzimba kunopera.Iwe unogona kudzikisa mutengo wako kuti uwane zvinopihwa kana izvozvo zvaitika.Mabatirwo Anoitwa Varidzi Vedzimba
Kana iwe uri muridzi wemba, kuti ungakanganiswa sei ne federal fund rate kuwedzera zvinoenderana nerudzi rwemumba yaunayo uye kuti zvinangwa zvako ndezvipi.Ngatitarisei pazviitiko zvitatu zvakasiyana.
Kana uine mari yekubhadhara mari yakatemwa uye pasina chaunokwanisa kuita, chiyero chako hachichinji zvachose.Muchokwadi, chinhu chega chinogona kushandura kubhadhara kwako kushanduka kwemitero uye/kana inishuwarenzi.
Kana iwe uine inogadziriswa-chiyero chemondi, chiyero chako chichanyanya kukwira kana chiyero chakakodzera kugadziriswa.Ehe, kana izvi zvichaitika kana kuti kwete uye nehuwandu hunoenderana nekapisi mukontrakiti yako yechikwereti uye kuti chiyero chako chazvino chinobva papi kubva kumitengo yemusika kana kugadzirisa kunoitika.
Iwe unofanirwa kuziva kuti kana iwe wakatora chikwereti chitsva chero nguva mumakore akati wandei apfuura, unenge usiri kuwana mwero wakaderera kana uri kutarisa pakugadzirisa.Zvisinei, chinhu chimwe chete chinoda kurangarirwa ndechekuti mumusika wemhando iyi makore ekukwira kwemitengo zvinoreva kuti vanhu vazhinji vane kuenzana kwakawanda.Semuenzaniso, izvi zvinogona kushanda kune mukana wako mukubatanidzwa kwechikwereti.
Apo Fed inosimudza mari yehurumende, mari yezvibereko inowanzokwira munyika yose.Zviripachena, hapana anofarira mareti epamusoro emari, anogara akaderera pane mubereko kubva kune yako iripo kadhi rechikwereti.Kubatanidza zvikwereti kunogona kukubvumira kuti ubvise chikwereti chakanyanya-mubereko muchikwereti chako wochibhadhara nemutengo wakaderera.
Izvo Vatengi Vepamba Vanogona Kuita Zvino
Kukwira kwemubereko wemubereko kazhinji hakuna kunaka, asi izvo hazvifanirwe kukuchengetedza kubva kune angangove mutengi wemba kuenda kune mutsva wemuAmerica muridzi wemba.Zvese zvinoenderana nemamiriro ako emari uye kana uchikwanisa kutora mari shoma pamwedzi yemortgage.
Unogona kutenga zvisinei nekuti ndiwo musika wakakodzera kana uchangove nemwana uye uchida imwe nzvimbo kana kuti unofanirwa kutamira kunotsvaga basa.
Iwe unofanirwa kuramba uine tarisiro kunyangwe mareti ari kukwira kana iwe ungangove mutengi wemba.
Nguva yekutumira: Jun-21-2023