V\u00e0o th\u1ee9 S\u00e1u, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh trung b\u00ecnh 30 n\u0103m \u0111\u00e3 t\u0103ng l\u00ean 7,19%.\u00a0Nh\u01b0ng n\u00f3 s\u1ebd \u0111i \u0111\u00e2u ti\u1ebfp theo?<\/p>\n\n\n\n
V\u00e0o th\u1ee9 S\u00e1u, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh trung b\u00ecnh 30 n\u0103m \u0111\u00e3 t\u0103ng l\u00ean 7,19% . Trong v\u00e0i th\u00e1ng qua, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p \u0111\u00e3 t\u0103ng tr\u1edf l\u1ea1i. Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, v\u1ed1n \u0111\u00e3 ph\u1ea3n \u1ee9ng v\u1edbi d\u1eef li\u1ec7u th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng m\u1ea1nh h\u01a1n d\u1ef1 ki\u1ebfn, hi\u1ec7n \u0111ang t\u00ednh \u0111\u1ebfn kh\u1ea3 n\u0103ng cao h\u01a1n l\u00e0 Fed s\u1ebd duy tr\u00ec l\u00e3i su\u1ea5t cao h\u01a1n trong m\u1ed9t th\u1eddi gian d\u00e0i.
T\u1ef7 l\u1ec7 th\u1ebf ch\u1ea5p 7,19% n\u00e0y l\u00e0 m\u1ee9c cao th\u1ee9 hai \u0111\u01b0\u1ee3c Mortgage News Daily ghi nh\u1eadn k\u1ec3 t\u1eeb \u0111\u1ea7u th\u00e1ng 11. N\u00f3 ch\u1ec9 b\u1ecb v\u01b0\u1ee3t qua b\u1edfi t\u1ef7 l\u1ec7 7,22% \u0111\u1ea1t \u0111\u01b0\u1ee3c trong th\u00e1ng B\u1ea3y.<\/p>\n\n\n\n
S\u1ef1 gia t\u0103ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p n\u00e0y b\u00e1o hi\u1ec7u m\u1ed9t s\u1ef1 suy gi\u1ea3m kh\u00e1c v\u1ec1 kh\u1ea3 n\u0103ng chi tr\u1ea3 nh\u00e0 \u1edf c\u1ee7a Hoa K\u1ef3<\/a> . Ch\u1eb3ng h\u1ea1n, m\u1ed9t ng\u01b0\u1eddi vay \u0111\u00e3 \u0111\u1ea3m b\u1ea3o kho\u1ea3n th\u1ebf ch\u1ea5p tr\u1ecb gi\u00e1 500.000 \u0111\u00f4 la v\u1edbi l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh 5,99% v\u00e0o \u0111\u1ea7u th\u00e1ng 2 n\u0103m 2023 s\u1ebd ph\u1ea3i tr\u1ea3 kho\u1ea3n ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i h\u00e0ng th\u00e1ng l\u00e0 2.995 \u0111\u00f4 la. Tuy nhi\u00ean, v\u1edbi t\u1ef7 l\u1ec7 7,19% (l\u00e0 m\u1ee9c trung b\u00ecnh v\u00e0o th\u1ee9 S\u00e1u), c\u00f9ng m\u1ed9t ng\u01b0\u1eddi vay s\u1ebd ph\u1ea3i tr\u1ea3 kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng l\u00e0 3.391 \u0111\u00f4 la cho kho\u1ea3n vay c\u00f3 c\u00f9ng quy m\u00f4.<\/p>\n\n\n\n Nh\u00ecn v\u1ec1 ph\u00eda tr\u01b0\u1edbc, c\u00e1c nh\u00e0 kinh t\u1ebf nh\u1ea5n m\u1ea1nh ba y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng chi tr\u1ea3 nh\u00e0 \u1edf: t\u0103ng thu nh\u1eadp, gi\u1ea3m gi\u00e1 nh\u00e0 v\u00e0 gi\u1ea3m l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p. Trong s\u1ed1 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u00f3 th\u1ec3 g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 nh\u1ea5t trong ng\u1eafn h\u1ea1n. \u0110i\u1ec1u n\u00e0y l\u00e0 do th\u1ef1c t\u1ebf l\u00e0 gi\u00e1 nh\u00e0 c\u00f3 xu h\u01b0\u1edbng \u1ed5n \u0111\u1ecbnh v\u00e0 t\u0103ng tr\u01b0\u1edfng thu nh\u1eadp c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf ngay c\u1ea3 trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng m\u1ea1nh m\u1ebd.<\/p>\n\n\n\n T\u1ef7 l\u1ec7 th\u1ebf ch\u1ea5p \u0111ang h\u01b0\u1edbng t\u1edbi \u0111\u00e2u t\u1eeb \u0111\u00e2y?\u00a0\u0110\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 manh m\u1ed1i,\u00a0\u00a0Fortune<\/em>\u00a0\u0111\u00e3 theo d\u00f5i c\u00e1c d\u1ef1 b\u00e1o v\u1ec1 l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p t\u1eeb ch\u00edn c\u00f4ng ty nghi\u00ean c\u1ee9u h\u00e0ng \u0111\u1ea7u.\u00a0Tuy nhi\u00ean, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i th\u1eeba nh\u1eadn r\u1eb1ng d\u1ef1 \u0111o\u00e1n l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p trong t\u01b0\u01a1ng lai l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 \u0111\u1ea7y th\u00e1ch th\u1ee9c v\u00e0 l\u1ecbch s\u1eed g\u1ea7n \u0111\u00e2y \u0111\u00e3 ch\u1ec9 ra r\u1eb1ng c\u00e1c nh\u00e0 d\u1ef1 b\u00e1o l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p \u0111\u00e3 g\u1eb7p kh\u00f3 kh\u0103n.<\/p>\n\n\n\n Hi\u1ec7p h\u1ed9i ng\u00e2n h\u00e0ng th\u1ebf ch\u1ea5p: Nh\u00f3m th\u01b0\u01a1ng m\u1ea1i c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i DC d\u1ef1 \u0111o\u00e1n r\u1eb1ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd \u1edf m\u1ee9c trung b\u00ecnh 5,9% trong qu\u00fd 4 n\u0103m 2023 . Ngo\u00e0i n\u0103m nay, nh\u00f3m d\u1ef1 ki\u1ebfn t\u1ef7 l\u1ec7 th\u1ebf ch\u1ea5p s\u1ebd gi\u1ea3m xu\u1ed1ng 4,9% v\u00e0o qu\u00fd 4 n\u0103m 2024. Hi\u1ec7p h\u1ed9i m\u00f4i gi\u1edbi qu\u1ed1c gia: <\/strong>C\u00e1c nh\u00e0 kinh t\u1ebf t\u1ea1i NAR d\u1ef1 b\u00e1o<\/a> r\u1eb1ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd gi\u1ea3m xu\u1ed1ng 6,4% tr\u01b0\u1edbc cu\u1ed1i n\u0103m 2023, v\u00e0 sau \u0111\u00f3 l\u00e0 6,0%<\/strong> v\u00e0o n\u0103m 2024.<\/p>\n\n\n\n Morgan Stanley:<\/strong> C\u00e1c chi\u1ebfn l\u01b0\u1ee3c gia MBS c\u1ee7a C\u01a1 quan t\u1ea1i Morgan Stanley<\/a> d\u1ef1 \u0111o\u00e1n r\u1eb1ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd b\u1eaft \u0111\u1ea7u t\u1eeb n\u0103m 2024 \u1edf m\u1ee9c 6,0%<\/strong> .<\/p>\n\n\n\n Moody’s Analytics:<\/strong> B\u1ed9 ph\u1eadn t\u00ecnh b\u00e1o t\u00e0i ch\u00ednh c\u1ee7a Moody’s v\u1eabn d\u1ef1 \u0111o\u00e1n r\u1eb1ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd \u1edf m\u1ee9c trung b\u00ecnh 6,5% cho \u0111\u1ebfn g\u1ea7n h\u1ebft n\u0103m 2023. Nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng Mark Zandi c\u1ee7a Moody’s Analytics n\u00f3i v\u1edbi Fortune r\u1eb1ng \u00f4ng k\u1ef3 v\u1ecdng t\u1ef7 l\u1ec7 \u0111\u00f3 s\u1ebd gi\u1ea3m xu\u1ed1ng 6,0% v\u00e0o<\/em> cu\u1ed1i n\u0103m<\/strong> 2024 v\u00e0 sau \u0111\u00f3 \u0111\u1ea1t 5,5% v\u00e0o n\u0103m 2025.<\/p>\n\n\n\n Realtor.com: <\/strong> C\u00e1c nh\u00e0 kinh t\u1ebf t\u1ea1i trang web ni\u00eam y\u1ebft nh\u00e0 tin r\u1eb1ng<\/a> l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd b\u1eaft \u0111\u1ea7u t\u1eeb n\u0103m 2024 \u1edf m\u1ee9c 6,1%<\/strong> .<\/p>\n\n\n\n Fannie Mae:<\/strong>\u00a0C\u00e1c nh\u00e0 kinh t\u1ebf t\u1ea1i\u00a0Fannie Mae<\/a>\u00a0d\u1ef1 \u0111o\u00e1n r\u1eb1ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh trong 30 n\u0103m s\u1ebd \u1edf m\u1ee9c trung b\u00ecnh 6,6% trong Qu\u00fd 4 n\u0103m 2023. Sau \u0111\u00f3,\u00a0Fannie Mae d\u1ef1 \u0111o\u00e1n<\/a>\u00a0l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p s\u1ebd gi\u1ea3m xu\u1ed1ng m\u1ee9c trung b\u00ecnh 5,9% v\u00e0o Qu\u00fd 4 n\u0103m 2024. \u0110\u1ed1i v\u1edbi n\u0103m d\u01b0\u01a1ng l\u1ecbch, Fannie Mae k\u1ef3 v\u1ecdng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p trung b\u00ecnh l\u00e0\u00a06,1%<\/strong>\u00a0v\u00e0o n\u0103m 2024.<\/p>\n\n\n\n (Ngu\u1ed3n LANCE LAMBERT Fortune – Cre by DUCVU)<\/p>\n\n\n\n 08\/13\/2023<\/p>\n","protected":false},"excerpt":{"rendered":" V\u00e0o th\u1ee9 S\u00e1u, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh trung b\u00ecnh 30 n\u0103m \u0111\u00e3 t\u0103ng l\u00ean 7,19%.\u00a0Nh\u01b0ng n\u00f3 s\u1ebd \u0111i \u0111\u00e2u ti\u1ebfp theo? V\u00e0o th\u1ee9 S\u00e1u, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh trung b\u00ecnh 30 n\u0103m \u0111\u00e3 t\u0103ng l\u00ean 7,19% . Trong v\u00e0i th\u00e1ng qua, l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p \u0111\u00e3 t\u0103ng tr\u1edf l\u1ea1i. Th\u1ecb tr\u01b0\u1eddng…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[2,395,393,397,394,391],"tags":[113,138,438,437,400,401],"class_list":["post-2222","post","type-post","status-publish","format-standard","hentry","category-blog","category-cuoc-song-my","category-https-www-youtube-com-c-ducvucuocsongmydmv","category-nha-cua-my-dau-tu-kinh-doanh","category-trai-nghiem-cuoc-song-my","category-https-www-youtube-com-c-ducvuusa","tag-cuoc-song-my-dmv","tag-duc-vu-usa","tag-duc-vu-cuoc-song-my","tag-lai-suat-mua-nha-my","tag-thi-truong-nha-cua-my","tag-tin-tuc-nha-cua-my"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/comments?post=2222"}],"version-history":[{"count":1,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2222\/revisions"}],"predecessor-version":[{"id":2223,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/posts\/2222\/revisions\/2223"}],"wp:attachment":[{"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/media?parent=2222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/categories?post=2222"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/vuthanhnamduc.com\/index.php\/wp-json\/wp\/v2\/tags?post=2222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Morningstar: C\u00e1c nh\u00e0 kinh t\u1ebf t\u1ea1i Morningstar d\u1ef1 \u0111o\u00e1n r\u1eb1ng t\u1ef7 l\u1ec7 th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh trung b\u00ecnh trong 30 n\u0103m s\u1ebd \u1edf m\u1ee9c trung b\u00ecnh 6,25% v\u00e0o n\u0103m 2023, 5,0% v\u00e0o n\u0103m 2024 v\u00e0 4,0% v\u00e0o n\u0103m 2025.
Goldman Sachs: Ng\u00e2n h\u00e0ng \u0111\u1ea7u t\u01b0 d\u1ef1 \u0111o\u00e1n r\u1eb1ng l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd k\u1ebft th\u00fac v\u00e0o n\u0103m 2023 \u1edf m\u1ee9c 6,4%. V\u00e0o n\u0103m 2024, Goldman Sachs d\u1ef1 ki\u1ebfn l\u00e3i su\u1ea5t th\u1ebf ch\u1ea5p c\u1ed1 \u0111\u1ecbnh 30 n\u0103m s\u1ebd \u1edf m\u1ee9c trung b\u00ecnh 5,9% .<\/p>\n\n\n\n