Puas yog 4 feem pua yog tus nqi tsev qiv nyiaj zoo?

2024 Tus sau: Stanley Ellington | [email protected]. Kawg hloov kho: 2023-12-16 00:17

Tam sim no, ib tus paj laum ib ncig 4 feem pua raug txiav txim siab zoo , hais tias Tim Milauskas, tus tub ceev xwm qiv nyiaj ntawm First Home Cov nqi tsev hauv Millersville, Maryland. Yog tias koj tsis tau them ob peb nqes ntawm koj daim npav rho nyiaj lossis qiv nyiaj hauv xyoo tas los, tsom mus rau them koj cov nqi them raws sijhawm rau xyoo no.

Hauv qhov no, puas yog 4.25 Tus nqi qiv nyiaj zoo?

Qhov qub ib txwm yog 4.25 feem pua ntawm qhov nrov 30-xyoo qiv qiv. Qee cov qiv nyiaj qis me ntsis, tab sis tsis ntau. Cov nqi tsev tau tsiv mus nyob rau hauv ib qho kev nruj nruj thoob plaws hauv thawj ib nrab ntawm lub xyoo no, feem ntau nyob ib ncig ntawm 3.75 feem pua-siab dua me ntsis, qis dua me ntsis.

Ib tug kuj nug, puas yog 3.375 tus nqi qiv nyiaj zoo? Cov tus nqi qis tshaj Kuv tau pom tshaj tawm los ntawm sab saum toj 10 nqi tsev cov qiv nyiaj yog 3.375 % ntawm kev muab ntawm Flagstar Bank. Ntawm US Bank koj tuaj yeem tau txais jumbo 30-xyoo tas li qis li 3.625% nrog APR zoo sib xws. Lawv FHA 30-xyoo kho tam sim no yog 3.5%, tab sis APR yog tshaj 5% vim yog pricey nqi tsev nyiaj pov hwm.

Ib yam li ntawd, nws tau nug, tus paj laum zoo npaum li cas rau kev qiv nyiaj yuav tsev?

Kev kwv yees rau 2020 hais tus nqi yuav nruab nrab ntawm 3.7%. Tab sis tus nqi tuaj yeem hloov pauv tau zoo nyob ib puag ncig ntawm qhov ntawd. Piv txwv li, tus nqi tuaj yeem dhia ntawm 3.5% thiab 4% txhua xyoo, thiab koj yuav tau txais qhov nruab nrab ntawm 3.7%. Tab sis thaum koj kaw thaum lub sij hawm ntawd yog qhov tseem ceeb.

Puas yog 3.25 Tus nqi qiv nyiaj zoo?

Cov lus teb yog yog yog tias koj kam nqis peev cov ntsiab lus luv nqi los yuav koj cov paj laum tus nqi poob, tsuav yog koj li nyiaj txiag profile tsis muaj qhov ua tiav. Tsis tas li ntawd rau 99.9% peb, 30 xyoo kev qiv nyiaj yog tom qab ntawm 3.5% mus rau 4.25%.