Izicelo ze-Mortgage
Ugxumele Ocwaningweni Lwakamuva Lweviki Lwe-MBA
05/05/2022
Ngokwedatha yakamuva evela ku-Mortgage Bankers Association's (MBA) Weekly Mortgage Application Survey yesonto eliphela ngo-April 29, 2022, izicelo ze-mortgage zikhuphuke ngo-2.5% kusukela ngesonto eledlule ngemva kokuthambekela kokwehla kwamaviki ayisishiyagalombili.
Nakuba I-Market Composite Index, isilinganiso sevolumu yesicelo semali mboleko yezindlu, ibonisa ukwenyuka okulungiswe ngezikhathi ezithile zonyaka, inani lezicelo ezingalungisiwe linyukile uma liqhathaniswa neviki eledlule.
Isabelo sokuxhasa ngezimali kabusha emsebenzini wokubolekwa kwempahla sikhuphule inani lezicelo zesonto eledlule.Isamba senani lezicelo zesabelo semisebenzi yemali ebolekiwe yemali-mboleko (i-ARM) eshintshwayo linyukile.
Kodwa-ke, inani lezicelo ze-FHA kanye nesabelo se-VA sezicelo eziphelele nazo zehlile.
Izinga lenkontileka elimaphakathi leminyaka engu-30 yemali ebolekiwe yesilinganiso esinqunyiwe enabhalansi yemalimboleko evumelanayo liyenyuka, futhi iphuzu lemalimboleko yesilinganiso semali mboleko (LTV) liyehla.Amazinga enzalo asebenzayo anyukile namuhla.
Izilinganiso ezimaphakathi zenkontileka zeminyaka engu-30 yemalimboleko yesilinganiso esinqunyiwe namabhalansi emalimboleko e-jumbo anyukile futhi amaphuzu emali mboleko ye-LTV ehla.Amanani asebenzayo nawo anyukile muva nje.
Njengoba iPhini Likamongameli Elihlangene le-MBA Yezokubikezela Umnotho Nezimboni uJoel Kan ake asho, amanani emali ebolekwayo ocwaningweni lwe-MBA aqhubekile nokukhuphuka, kanti izinga elimisiwe leminyaka engama-30 lifinyelela ezingeni eliphezulu kakhulu kusukela ngoMashi 2020 ngama-3.78%.Naphezu kokwenyuka kwamazinga, izicelo zokuxhaswa ngezimali kabusha zisakhuphuka ngenxa yokwanda kwezicelo ezivamile.Inani lezicelo kungenzeka libone ukuguquguquka okuthile muva nje njengoba amaviki athinteke ngamaholide kanye nababolekayo bezama ukunxeshezelwa ngaphambi kokuba amanani enyuke.
Izicelo zokuthenga nazo zinyukile, kodwa zisangaphansi konyaka odlule.Isilinganiso sikasayizi wemalimboleko yokuthenga sifinyelele inhlolovo entsha phezulu futhi.Amazinga aphansi e-inventory anenkani kanye nokukhula kwentengo yekhaya ngokushesha kuqhubekile nokukhulisa usayizi wemalimboleko ephezulu.
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: May-06-2022