Ua hāʻule wale nā ​​kumukūʻai moraki ma kahi ala kamahaʻo: he aha ke ʻano o kēia "wild card" no ka waiwai paʻa

Ua hāʻule nā ​​kumukūʻai moraki i kēia pule, ʻoiai e hoʻolaha ana ka Federal Reserve e hoʻokō ana i kahi piʻi piʻi hou e pale ai i ka hoʻonui ʻana.

ʻO ka uku paneʻe no kahi moraki paʻa 30 makahiki he 6.39 pakeneka i ka pule i pau i ka Mei 4, wahi a Freddie Mac i ka Pōʻalima. ʻO ka haʻahaʻa haʻahaʻa wale nō ia ma mua o 6.43% o ka pule i hala, akā manaʻo ka poʻe he nui e hāʻule ka nui o ka moraki ma hope o kēia makahiki.

Akā ʻoiai me ka hōʻailona hou loa, ʻoi aku ka kiʻekiʻe o nā kumukūʻai no ka hoʻolilo ʻana i ka home no ka nui o nā ʻAmelika. Eia kekahi, manaʻo nui ka poʻe ʻekonomika i ka piʻi ʻana o ka huina kālā o ka waihona kālā - 10 mai Malaki 2022 - ua hōʻeha i ka ʻoihana, ʻoi aku hoʻi ma ke ʻano o ka hāʻule ʻana o ka waihona kālā o ka Repubalika mua.

"ʻAʻole pono a hōʻino ʻia ka piʻi kālā o ka Federal Reserve," i ʻōlelo ʻia e ka Association of Realtors® Chief Economist Lawrence Yoon ma kahi ʻōlelo ma hope o ka hālāwai Fed o ka Pōʻakolu.

"Ua emi iho ka hoʻonui kumukūʻai o nā mea kūʻai aku a hoʻomau," i wehewehe ʻo Yoon. "Ke hana ʻia nei kahi paʻa koʻikoʻi o ke kulekele kālā".

A ke hāʻawi ʻia nei ka ʻōnaehana panakō ma ka ʻāina haʻalulu i kēia manawa, makaʻu ʻo Yon i hiki i ka Fed ke lanakila.

"ʻO ka piʻi wikiwiki o ka Fed ua hoʻonui i nā waihona koena o nā panakō liʻiliʻi liʻiliʻi," hoʻomau ʻo ia. "Ua lilo lākou i mau panakō zombie-like, ʻaʻole hiki iā lākou ke hāʻawi i nā ʻoihana maikaʻi, no ka mea, ʻoi aku ko lākou hopohopo i ka hoʻololi ʻana i nā pale kaulike no ke ola."

ʻO ia hoʻi, ʻaʻole hiki i kēia mau panakō zombie ke hāʻawi i nā hōʻaiʻē home e like me ka hiki i nā mea kūʻai kūpono?

Eia ka ʻōlelo a ka ʻikepili hale a me ka poʻe akamai i kā mākou ʻatikala hou loa o "Pehea ka mākeke hale i kēia pule?"

No ke aha e noho mau ai ka moraki he 'wild card'

Me ka hoʻokele waiwai i loko o ka haunaele a me ka hōʻaiʻē moraki e paʻakikī loa i ka loaʻa ʻana, e mau ana ka mākeke hale i kahi ʻano limbo petrified.

"Ke mau nei ka uku moraki he kāleka hihiu nui no ka poʻe kūʻai aku a me nā mea kūʻai aku no ka mea ua maʻalahi lākou i ka ʻikepili e hiki mai ana a me nā hoʻomohala hou ʻana i ka ʻoihana panakō," wahi a Danielle Hale, ka luna hoʻokele waiwai no Realtor.com®, i kāna loiloi pule. "Ma waena o nā pilikia a pau o ka hoʻokele waiwai a me ke kālā, e piʻi aʻe paha i nā hebedoma e hiki mai ana i ka wā e hoʻokokoke ana ka US i ke kau ʻaiʻē, ke hoʻomau nei ka mākeke hale me nā haʻahaʻa haʻahaʻa o ka hana."

ʻAʻole i pau ka piʻi ʻana o kēia mau mea a pau: i ka pule e pau ana i ka lā 29 ʻApelila, piʻi ka papa inoa o nā kumukūʻai he 2.4% i ka makahiki i hala. A me ke kumukūʻai home median e lele ana ma kahi o $430,000 i ʻApelila, ʻaʻole ia he mea kupanaha no ka luhi a me ka makaʻu o ka poʻe kūʻai hale e hoʻolōʻihi iā lākou iho i ke kālā.

No ke aha i hoʻopilikia ʻia ai nā mea kūʻai hale e ka "Rate Locking"

Ke hoʻomau nei nā kumukūʻai moraki kiʻekiʻe i ke aka ʻaʻole wale i nā mea kūʻai aku, akā i nā mea kūʻai aku.

Ua ʻike ʻia kahi noiʻi Realtor.com o nā mea kūʻai aku home he 82% o nā mea kūʻai aku e hopohopo nei e pili ana i ka "loka laka," a i ʻole ke kūʻai ʻana i ke kumukūʻai haʻahaʻa loa ma ko lākou home i kēia manawa no kahi kiʻekiʻe kiʻekiʻe inā kūʻai aku lākou a laila e hoʻāʻo e. kūʻai. 

I ka pule e pau ana ʻApelila 29, 22% ka liʻiliʻi o nā papa inoa hou i hele ma ka mākeke i hoʻohālikelike ʻia i ka manawa like o ka makahiki ma mua. Ke hele nei kēia hoʻohaʻahaʻa no nā wiki he 43, ma kahi o ka manawa like a ka Fed i hoʻonui ai i ka uku ukupanee.

A no ka aneane like o ka manawa, noho lōʻihi nā hale ma ka mākeke, noho 18 mau lā i ka pule hope o ʻApelila ma mua o hoʻokahi makahiki ma mua.

"Ua mamao loa ka mākeke hale o 2023 mai ka pupule i ʻike ʻia i nā makahiki ʻelua i hala," wahi a Hale. "ʻO ia hoʻi, ʻaʻole i loaʻa i nā mea kūʻai aku nā pono āpau e like me kā lākou i hana ai i nā makahiki ʻelua i hala iho nei, akā aia nō lākou i kahi kūlana maikaʻi loa."

ʻO nā mea kūʻai, ʻaʻole nui paha.

Eia nō naʻe, ʻike ʻo Hale i ke aniani i ka hapalua piha: "ʻOiai ke hoʻomau nei ka manawa o ka mākeke ma hope o nā makahiki i hala iho nei," i ʻōlelo ai ʻo ia, "ʻo nā pule e hiki mai ana he nui nā manawa manawa no nā mea kūʻai aku e manaʻo nei e ʻike i nā koho hou."