Riaan 
Isidingo sama-mortgages sinyukile ku- isonto lesibili eliqondilenaphezu kokuntengantenga okuthile kumanani emali ebolekiwe.
Isamba sesicelo sikhuphuke ngo-6.5% ngesonto eledlule uma kuqhathaniswa nesonto eledlule, ngokusho kwenkomba elungiswe ngezikhathi ezithile yesizini ye-Mortgage Bankers Association.
Isilinganiso senzalo yenkontileka yeminyaka engu-30 yemali ebolekiwe enesilinganiso esinqunyiwe esivumelana nebhalansi yemalimboleko ($726,200 noma ngaphansi) sehle saya ku-6.71% sisuka ku-6.79%, samaphuzu ehla safinyelela ku-0.79 sisuka ku-0.80 (kuhlanganise nemali yokuqala) yemali mboleko enehle ngo-20%. inkokhelo.
Leso kwakuyisilinganiso, kodwa amanani emali mboleko ayephezulu kakhulu ingxenye enkulu yesonto ngaphambi kokuphuma kancane NgoLwesihlanu ezindabeni zokwehluleka kweSilicon Valley Bank.
Naphezu kwamazinga aphezulu, izicelo zempahla mboleko yokuthenga ikhaya zikhuphuke ngo-7% ngesonto kodwa bezisengaphansi ngo-38% kunesonto elifanayo onyakeni odlule. Ukuthengwa kwezindlu kumile ekuqaleni kukaFebhuwari, ngemuva kokuthi amanani enyuke cishe ngamaphesenti agcwele, kodwa abukeka ebuya manje, mhlawumbe ngenxa yokuthi abathengi bakhathazekile ukuthi amanani azokhuphuka kakhulu. Umbuzo uthi kuzohlala isikhathi esingakanani lokho?
“Lokho kwenzeka njalo uma amanani enyuka futhi kuthatha amasonto ambalwa kuphela,” kusho uJohn Burns weJohn Burns Real Estate Consulting, othe ubone kukhuphuka ukuthengiswa kwezindlu ezisanda kwakhiwa ngoFebhuwari naphezu kwamanani aphezulu.
Lennarumakhi wezindlu wesibili ngobukhulu esizweni, uthumele amaholo angcono kunobekulindelekile ngoLwesibili, nosihlalo wenkampani, uStuart Miller, ethi ekukhululweni: “Abathengi basekhaya bacabangela ukuthi kungenzeka ukuthi indawo yezinga lenzalo yanamuhla ingase ibe yinto entsha evamile. Imakethe yezindlu iyaqhubeka nokushintsha njengoba ukukhula kokwakhiwa kwemindeni kanye nemindeni kuqhubeka nokuqhuba isidingo ngokumelene nokushoda kwempahla okungapheli.”
Izicelo zokuxhasa ngezimali kabusha i-home loan zenyuke ngo-5% kusukela ngesonto eledlule kodwa zehle ngo-74% kunonyaka owodwa odlule.
Izinga lokubolekwa kwezindlu liphinde lehla ngoMsombuluko, ngokusho kocwaningo oluhlukile lwe-Mortgage News Daily, kodwa aphinde enyuka ngoLwesibili ngemuva kwe- Inkomba yentengo yomthengi kaFebhuwari ikhishwe, iphakamisa ukuthi i-Federal Reserve ingase phakamisa amanani enzalo futhi ngesonto elizayo naphezu kwezinxushunxushu zakamuva zasembonini yamabhange.
