Puna kiʻi: CNBC

 

Ua piʻi ka hua ma ka 10 mau makahiki US i 4.21% ma ʻOkakopa 21, kahi kiʻekiʻe hou mai ʻAukake 2007.

ʻO nā hua paʻa US ka mea nui o ka hoihoi ma nā mākeke honua, a ua lawe ʻia ka piʻi kiʻekiʻe o kēia makahiki ma ke ʻano he hōʻailona hōʻailona, ​​​​e alakaʻi ana i ka volatility nui ma nā mākeke kālā.

He aha ka mea weliweli loa e pili ana i ka hoʻomohala ʻana o kēia hōʻailona i loaʻa iā ia ka mākeke i kahi haunaele?

 

No ke aha e nānā pono ai au i ka palapala hoʻopaʻa 10 makahiki US?

ʻO ka palapala hoʻopaʻa US he palapala hoʻopaʻa i hoʻopuka ʻia e ke aupuni US, ʻo ia hoʻi he bila promissory.

Ua kākoʻo ʻia e ke aupuni US a ua manaʻo ʻia he waiwai ʻole pilikia i ka honua a mahalo nui ʻia.

A ʻo nā hua a mākou e ʻike ai ma nā paʻa US ua loaʻa maoli mai nā helu kūpono.

No ka laʻana, ʻo ke kumukūʻai o kēia manawa o ka palapala hoʻopaʻa 10-makahiki US ʻo 88.2969 a ʻo ka helu coupon he 2.75%.ʻO ia hoʻi, inā kūʻai ʻoe i kēia palapala hoʻopaʻa ma kēlā kumukūʻai a paʻa a hiki i ke oʻo ʻana, ʻo ka loaʻa kālā he $2.75 i kēlā me kēia makahiki, me ʻelua uku ukupanee i ka makahiki, a inā ʻoe e kūʻai hou iā ia i ka wā oʻo ma ke kumukūʻai coupon, ʻo kāu hoʻihoʻi makahiki he 4.219%.

I ka manawa like, pilikia loa ka ʻaiʻē US no ka wā pōkole i nā mana kālai'āina a me ka mākeke, ʻoiai ʻo ka ʻaiʻē US no ka wā lōʻihi ʻaʻole maopopo loa a ʻaʻole lawa.

ʻO ka palapala hoʻopaʻa US he ʻumi makahiki ka ʻoi loa o nā makahiki āpau a ʻo ia ke kumu no ka hōʻaiʻē panakō, me nā moraki, a me nā hua ma nā ʻano waiwai āpau.

ʻO ka hopena, ʻike nui ʻia ka hua ma ka palapala hoʻopaʻa 10-makahiki US ma ke ʻano he "pilikia-free rate" e hoʻoholo ai i ka palena haʻahaʻa o nā waiwai waiwai a manaʻo ʻia ʻo ia ka "heleuma" no ke kumu kūʻai waiwai.

Ke hoʻomau nei ka piʻi nui ʻana o nā hōʻaiʻē paʻa US ma muli o ka piʻi ʻana o ka uku paneʻe o ka Federal Reserve.

No laila he aha ka pilina ma waena o ka piʻi ʻana o ka uku paneʻe a me ka piʻi ʻana o ka waihona kālā?

I loko o kahi pōʻai piʻi: neʻe kokoke nā kumukūʻai pili me ka ulu ʻana o ka uku hoʻopuka.

ʻO ka piʻi ʻana o ka uku paneʻe ma nā bona hou e alakaʻi i kahi kūʻai aku i nā mea paʻa kahiko, ʻo ke kūʻai aku e alakaʻi i ka emi ʻana o nā kumukūʻai hoʻopaʻa, a ʻo ka emi ʻana o nā kumukūʻai e alakaʻi i ka hoʻonui ʻana i ka hua a hiki i ke oʻo.

I nā huaʻōlelo ʻē aʻe, ke kūʻai nei ka uku panee like i kūʻai ʻia no $99 i kēia manawa no $95.No ka mea hoʻopukapuka kālā e kūʻai mai iā ia no $95, piʻi ka hua i ke oʻo.

 

Pehea e pili ana i ka mākeke waiwai?

ʻO ka lele ʻana o ka hua ma nā makahiki he 10 mau makahiki US ua hoʻonui i ka uku moraki.

Puna kiʻi: Freddie Mac

 

I ka Pōʻalima i hala, ua hōʻike ʻo Freddie Mac i ka piʻi ʻana o ka uku pānaʻi ma ka moraki 30-makahiki i 6.94%, e hoʻoweliweli ana e uhaki i ka mea nui 7% pale.

ʻO ke kaumaha o ke kūʻai ʻana i hale i ka manawa kiʻekiʻe.Wahi a ka Federal Reserve Bank o Atlanta, ʻo ka awelika o ka ʻohana US i kēia manawa e hoʻolilo i ka hapalua o kāna loaʻa kālā ma ke kūʻai ʻana i ka home, kokoke i ʻekolu mau makahiki.

Kiʻi kiʻi: Redfin

 

Ma muli o kēia kaumaha kaumaha o ke kūʻai ʻana i ka home, ua hoʻokē ʻia nā ʻoihana waiwai: hāʻule nā ​​kūʻai hale no ka ʻewalu o ka mahina ma Sepatemaba, a ua hāʻule ka noi moraki i kona pae haʻahaʻa loa i nā makahiki 25.

A hiki i ka wā e hoʻololi ai i ka piʻi ʻana o nā moraki, paʻakikī ke noʻonoʻo i ka hoʻihoʻi ʻana o ka mākeke waiwai.

No laila hiki iā mākou ke hana i kahi wānana o nā uku moraki mai ka hoʻomohala ʻana o ka waihona kālā 10 makahiki.

 

I ka manawa hea mākou e piʻi ai?

I ka nānā ʻana i nā pōʻaiapuni o ka piʻi ʻana o ka mōʻaukala, ʻoi aku ka nui o ka hōʻaiʻē paʻa US 10 mau makahiki ma mua o ka hopena o ka piʻi ʻana ma ke kiʻekiʻe o ka pōʻai piʻi.

ʻO ke kiko kiko no ka hālāwai o ka mahina ʻo Kepakemapa e hōʻike ana e pili ana ka hopena o ke kaʻina hike o kēia manawa ma kahi o 4.5 - 5%.

Eia nō naʻe, pono e loaʻa kahi manawa e piʻi aʻe ai ka hua ma nā paʻa US 10 mau makahiki.

Eia kekahi, i nā pōʻai piʻi uku paneʻe o nā makahiki he 40 i hala iho nei, ua piʻi pinepine ka hua ma nā makahiki he 10 mau makahiki US ma kahi o ka hapaha ma mua o ka uku kulekele.

ʻO ia ke ʻano o ka hāʻawi ʻana i nā paʻa US 10-makahiki ka mea mua e hāʻule ma mua o ka pau ʻana o ka Fed i ka hoʻonui ʻana i ka uku ukupanee.

E hoʻohuli hou ka moraki i ko lākou ʻano piʻi i kēlā manawa.

 

A ʻo kēia paha ka "hola pōʻeleʻele ma mua o ka wanaʻao."