Irenti ephezulu iyisizathu esenza ukwehla kwamandla emali kungapheli?Izixwayiso zokwenyuka kwezinga lenzalo entsha!
10/21/2022
Kungani ukwehla kwamandla emali kungazange kwehle?
NgoLwesine olwedlule, i-Bureau of Labor Statistics ikhiphe idatha ye-CPI kaSepthemba.
I-CPI ikhuphuke ngo-8.2% unyaka nonyaka ngoSepthemba, uma kuqhathaniswa no-8.3% ngaphambilini, kanye no-8.1% okulindeleke emakethe;i-core inflation CPI inyuke ngo-6.6% unyaka nonyaka, uma kuqhathaniswa no-6.3% ngaphambilini.
I-CPI ye-Inflation ye-Headline inflation selokhu iphezulu kakhulu ngoJuni kulo nyaka, ikakhulukazi ngenxa yokwehla kwamanani kagesi, ikakhulukazi kaphethiloli, kodwa futhi nokwehla kancane kancane kokwehla kwamandla emali kwempahla.
Nokho, ngokumangalisayo, i-CPI eyinhloko ye-inflation isifinyelele ezingeni eliphezulu leminyaka engu-40, ikhuphuka izinyanga ezimbili zilandelana.
Isici esiyinhloko esikhuphula i-CPI eyinhloko yokwehla kwamandla emali ukwehla kwamandla emali kwezindlu, osekufinyelele ku-6.6% unyaka nonyaka, okuyizinga eliphezulu kakhulu kusukela kwaqalwa amarekhodi, kanye nokwehla kwamandla emali okuqashisa, nawo okufinyelele irekhodi eliphezulu lika-7.2%.
Amarenti akhuphula kanjani ukwehla kwamandla emali?
Ngemuva kobhubhane lwango-2020, imakethe yezindlu ezithengiswayo yaqala “umjikelezo wokuhlanya” ngenxa yamanani enzalo aphansi kakhulu, isidingo sokuxhumana ngocingo, kanye negagasi lokuthengwa kwezindlu yiMillennials.- Ekuqaleni kwalo nyaka, izintengo zezindlu ezithengiswayo zenyuka ngaphezu kwama-20%.
Nakuba izintengo zezindlu zingafakwanga ekubalweni kwe-CPI, ukukhuphuka kwamanani ezindlu kuye kwakhuphula amanani okuqasha, futhi isisindo sokwehla kwamandla emali eziqashisayo ku-CPI singaphezu kuka-30%, ngakho-ke amanani okuqasha ayaqhubeka nokukhuphuka futhi abe yinhloko " trigger” ye-inflation ephezulu yamanje.
Ukwengeza, izinga lemali ebolekwayo licishe “liphindeka kabili” unyaka nonyaka ngenxa yenqubomgomo ye-Federal Reserve yokwenyuka kwezinga eliqinile, futhi amanani entengo yezindlu ezithengiswayo akhombisa izimpawu zokuqala zokushintsha.
Njengamanje, abathengi abaningi bakhetha ukuthatha indlela yokulinda nokubona ngenxa yokukhuphuka kwezindleko zokuboleka;amanani ezindlu ehlile ezindaweni eziningi, futhi abantu abaningi abangase bathengise izindlu zabo abajahi ukuthengisa izindlu zabo, okuholele emakethe yezindlu evilaphayo.
Lapho bembalwa abantu abathenga amakhaya, abantu abaningi bayawaqasha, baqhubekisele phambili nezindleko zokuqasha.
Ukwenyuka kwezintela kungase kukhuphuke kakhulu!
Ngokusho kwe-Watch Rent Index eshicilelwe yi-Zillow, ukukhula kwerenti kwehla izinyanga ezimbalwa zilandelana.
Ngokomlando, nokho, le nkomba yerenti ijwayele ukwandulela ukuqashwa kwamafulethi e-CPI cishe izinyanga eziyisithupha.
Lokhu kungenxa yokuthi i-Zillow ibheka kuphela izintengo zokuqashisa okusha okusayinwe enyangeni yamanje uma ibheka inkomba yerenti, kuyilapho abaqashi abaningi besayina izivumelwano zokuqashisa zonyaka owodwa noma emibili ngentengo engaguquki yanyanga zonke, ngakho izibalo ze-CPI zihlanganisa nenani lokuqashisa. isivele isayiniwe esikhathini esedlule.
Kukhona ukuntenga phakathi kwerenti yemakethe yamanje kanye nalokho abaqashi abaningi abakukhokhayo ngempela, yingakho i-Bureau of Labor Statistics iqhubeka nokubika izindleko zezindlu ezikhuphukayo.
Ngokusekelwe kokuhlangenwe nakho, izinga lokukhula eziqashweni zokuhlala e-CPI lizoqala ukwehla ngekota yesi-4 yalo nyaka.
Njengoba ukwehla kwamandla emali erenti kunesisindo esingaphezu kuka-30% ku-CPI, ukunciphisa ukukhula kwerenti kuzoba ukhiye ekwehliseni ukwehla kwamandla emali okuyisisekelo.
Isexwayiso esisha sokukhuphuka kwamazinga enzalo
Njengoba i-CPI ibonisa ukuthi ukwehla kwamandla emali kusashisa kakhulu, lokhu kuphinde kuqinise ukulindela kokunye ukunyuka kwezinga le-75 bps ngoNovemba (eduze ku-100%);kukhona nokuqagela kokunye ukukhuphuka kwezinga lama-bps angama-75 ngoDisemba (okulindeleke ukuthi lifike ku-69%).
Umthombo wesithombe: https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html
Ngo-September 12, i-Fed yakhipha amaminithi omhlangano wesilinganiso sikaSeptemba, okubonisa into eyodwa eyinhloko ikakhulukazi - i-Fed ivame ukuphakamisa amazinga emazingeni avimbela umnotho esikhathini esifushane (leli zinga elikhawulelwe kufanele libe ngaphezu kwe-4%).okuchaza kahle ukuthi kungani i-Fed idinga ukukhuphula amanani ngobudlova ngokulandelana.
Ngamanye amazwi, i-Fed izophakamisa amazinga ngokuphawulekayo okungenani amanye amaphuzu wesisekelo we-125 (75bp+50bp) ngaphambi kokuphela konyaka bese igcina leli zinga lamazinga isikhathi esithile ngonyaka ozayo.
Amakhredithi esithombe.https://www.freddiemac.com/pmms
Umthombo wesithombe: CNBC
Kuze kube ngoLwesine, izinga likaFreddie Mac elisanda kumenyezelwa leminyaka engamashumi amathathu likhuphuke lafinyelela ku-6.92%, izinga laso eliphakeme kakhulu kusukela ngo-2002, kanye nenzuzo yebhondi yeminyaka eyishumi yoMgcinimafa nayo yephule izinga elingu-4%.
U-Yun, isazi sezomnotho esikhulu seNational Association of Realtors (NAR), uthe ngokocwaningo lobuchwepheshe, ukumelana okulandelayo kuzoba ngu-8.5% uma inzalo yemali ebolekiwe yezindlu inqamula umkhawulo ongu-7%.
Njengoba kunomjikelezo omusha wokwenyuka kwamanani emkhathizwe, kuwukuhlakanipha ukusebenzisa ithuba bese uthintana nesikhulu sakho semalimboleko ngokushesha ngangokunokwenzeka ukuze ukhiye amanani asekhona aphansi.
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: Oct-22-2022