{"id":197,"date":"2024-10-31T01:18:39","date_gmt":"2024-10-31T01:18:39","guid":{"rendered":"https:\/\/ekobustai.lt\/index.php\/2024\/10\/31\/hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu\/"},"modified":"2024-10-31T01:18:39","modified_gmt":"2024-10-31T01:18:39","slug":"hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu","status":"publish","type":"post","link":"https:\/\/ekobustai.lt\/index.php\/2024\/10\/31\/hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu\/","title":{"rendered":"Hipotekos pal\u016bkan\u0173 normos pasiek\u0117 7 procentus likus savaitei iki JAV prezidento rinkim\u0173"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<hr\/>\n<div class=\"row\" style=\"margin-bottom:0px;\">\n<p>\n<button class=\"button expanded newsletterBtn\"><i class=\"fas fa-envelope\"><span>El. pa\u0161tas<\/span><\/i>  Prisiregistruokite gauti nemokam\u0105 savaitin\u012f informacin\u012f biuleten\u012f<\/button><\/p>\n<\/div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/10\/31\/hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu\/#JAV_busto_pirkejai_per_paskutines_6_rinkimu_ciklo_savaites_praranda_33_000_USD_perkamaja_galia\" >JAV b\u016bsto pirk\u0117jai per paskutines 6 rinkim\u0173 ciklo savaites praranda 33 000 USD perkam\u0105j\u0105 gali\u0105<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/10\/31\/hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu\/#Registruotis_nemokamai_WPJ_savaitinis_informacinis_biuletenis\" >Registruotis nemokamai | WPJ savaitinis informacinis biuletenis<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/10\/31\/hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu\/#Aktualios_nekilnojamojo_turto_naujienos_Veiksmingas_rinkos_tyrimas_Kiekviena_savaite_tiesiai_i_jusu_pasto_dezute\" >Aktualios nekilnojamojo turto naujienos. Veiksmingas rinkos tyrimas. Kiekvien\u0105 savait\u0119 tiesiai \u012f j\u016bs\u0173 pa\u0161to d\u0117\u017eut\u0119.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/10\/31\/hipotekos-palukanu-normos-pasieke-7-procentus-likus-savaitei-iki-jav-prezidento-rinkimu\/#Nekilnojamojo_turto_skelbimu_vitrina\" >Nekilnojamojo turto skelbim\u0173 vitrina<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"sub-title\"><span class=\"ez-toc-section\" id=\"JAV_busto_pirkejai_per_paskutines_6_rinkimu_ciklo_savaites_praranda_33_000_USD_perkamaja_galia\"><\/span>JAV b\u016bsto pirk\u0117jai per paskutines 6 rinkim\u0173 ciklo savaites praranda 33 000 USD perkam\u0105j\u0105 gali\u0105<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nacionalinio nekilnojamojo turto brokerio Redfin teigimu, JAV b\u016bsto pirk\u0117jas, turintis 3 000 USD m\u0117nesin\u012f biud\u017eet\u0105, per pastar\u0105sias \u0161e\u0161ias savaites prarado 33 250 USD perkam\u0105j\u0105 gali\u0105, o vidutin\u0117 30 met\u0173 fiksuotos hipotekos pal\u016bkan\u0173 norma 2024 m. spalio 28 d. pakilo iki 7 proc.<\/p>\n<p>Tai pirmas kartas, kai nuo vasaros prad\u017eios hipotekos pal\u016bkanos pasiek\u0117 7 %; jie i\u0161augo beveik vienu procentiniu punktu nuo \u017eemiausio lygio per 18 m\u0117nesi\u0173 iki rugs\u0117jo vidurio. Namo pirk\u0117jas, turintis 3 000 USD m\u0117nesin\u012f biud\u017eet\u0105, gali sau leisti 442 500 USD nam\u0105 su dabartine 7% hipotekos pal\u016bkan\u0173 norma. Tas pats b\u016bsto pirk\u0117jas gal\u0117jo \u012fsigyti 475 750 USD b\u016bst\u0105 su 6,11 % tarifu \u2013 2024 m. rugs\u0117jo 17 d. vidurkiu.<\/p>\n<p>\u0160is pirk\u0117jas vis dar turi 17 000 USD didesn\u0119 perkam\u0105j\u0105 gali\u0105 nei b\u016bt\u0173 tur\u0117j\u0119s baland\u012f, kai hipotekos pal\u016bkan\u0173 normos pasiek\u0117 auk\u0161\u010diausi\u0105 lyg\u012f \u2013 7,5 proc. Ta\u010diau pastaruoju metu kilusios hipotekos pal\u016bkan\u0173 normos nuvilia pirk\u0117jus, kurie nepasinaudojo trumpu pal\u016bkan\u0173 langu, kuris buvo daug artimesnis 6 % nei 7 %.<\/p>\n<p>Kitaip \u017ei\u016brint \u012f prieinamum\u0105, m\u0117nesin\u0117 hipotekos \u012fmoka u\u017e 428 000 USD vidutin\u0119 JAV b\u016bsto kain\u0105 yra 2 895 USD su 7% hipotekos pal\u016bkan\u0173 norma. Tai yra ma\u017edaug 200 USD daugiau nei 2 694 USD m\u0117nesin\u0117 \u012fmoka, kurios tarifas yra 6,11%.<\/p>\n<p>Hipotekos pal\u016bkan\u0173 normos \u0161okteli daugiausia d\u0117l to, kad investuotojai vis labiau nerimauja d\u0117l padid\u0117jusi\u0173 vyriausyb\u0117s i\u0161laid\u0173 po rinkim\u0173. Be to, naujausios darbo vietos ir infliacijos ataskaitos atspind\u0117jo gana stipri\u0105 ekonomik\u0105, tod\u0117l labiau tik\u0117tina, kad FED kitame susitikime suma\u017eins pal\u016bkan\u0173 norm\u0105 nedidel\u012f, o ne didel\u012f.<\/p>\n<p>\u201eMano patarimas pirk\u0117jams \u2013 susitelkti ties m\u0117gstamo namo paie\u0161ka ir bandyti der\u0117tis d\u0117l dalyk\u0173, kuriuos jie gali \u0161iek tiek kontroliuoti, pavyzd\u017eiui, pardavimo kainos ir nam\u0173 remonto\u201c, \u2013 sak\u0117 Redfin ekonomini\u0173 tyrim\u0173 vadovas Chen Zhao. \u201ePardav\u0117jai tur\u0117t\u0173 \u017einoti, kad \u201eRedfin\u201c agentai prane\u0161a, kad yra pirk\u0117j\u0173, ta\u010diau jie da\u017eniausiai ie\u0161ko geros b\u016bkl\u0117s b\u016bst\u0173, paruo\u0161t\u0173 gyventi.<\/p>\n<p><strong>Kaip kylan\u010dios hipotekos pal\u016bkan\u0173 normos veikia b\u016bsto \u012fperkamum\u0105 svyruojan\u010diose \u0161alyse<\/strong><\/p>\n<p>Hipotekos pal\u016bkan\u0173 normos, \u0161oktel\u0117jusios iki 7%, gali tur\u0117ti \u012ftakos rink\u0117j\u0173 sprendimams art\u0117jan\u010diuose prezidento rinkimuose. Remiantis naujausia \u201eRedfin\u201c apklausa, b\u016bsto \u012fperkamumas yra svarbiausias balsavimo klausimas \u0161iais metais.<\/p>\n<p>Priart\u0117jus prie septyni\u0173 svyruojan\u010di\u0173 valstij\u0173, kurios nulems rinkimus, penkiose i\u0161 j\u0173 vidutin\u0117s b\u016bsto pardavimo kainos yra ma\u017eesn\u0117s nei nacionalin\u0117 mediana \u2013 428 000 USD. Tik Nevadoje (468 000 USD) ir Arizonoje (442 000 USD) kainos yra didesn\u0117s, nors jos yra tik \u0161iek tiek didesn\u0117s. Darant prielaid\u0105, kad tipi\u0161kas nam\u0173 med\u017eiotojas Nevadoje ir Arizonoje turi 3 000 USD m\u0117nesin\u012f biud\u017eet\u0105, per pastar\u0105sias \u0161e\u0161ias savaites jis prarado apie 33 000 USD \u2013 tiek pat, kiek ir \u012fprastas pirk\u0117jas visoje \u0161alyje.<\/p>\n<p>Tarkime, tiek D\u017eord\u017eijoje, tiek \u0160iaur\u0117s Karolinoje, kur \u012fprasti namai kainuoja 377 000 USD, vidutinis pirk\u0117jas turi 2 500 USD m\u0117nesin\u012f biud\u017eet\u0105, \u0161iek tiek ma\u017eesn\u012f nei valstijose, kuriose namai yra brangesni. \u0160is pirk\u0117jas gali \u012fsigyti 368 750 USD b\u016bst\u0105 su 7% hipotekos pal\u016bkan\u0173 norma, palyginti su 396 500 USD b\u016bstu, kur\u012f jis gal\u0117jo \u012fsigyti su 6,1% pal\u016bkan\u0173 normomis, kurios buvo \u012fprastos rugs\u0117jo viduryje. Tai rei\u0161kia 27 750 USD perkamosios galios praradim\u0105.<\/p>\n<p>Vidutin\u0117s nam\u0173 kainos yra palyginti \u017eemos Mi\u010digane (266 000 USD), Pensilvanijoje (296 000 USD) ir Viskonsine (316 000 USD). Darant prielaid\u0105, kad tipinis pirk\u0117jas tose valstijose turi atitinkamai ma\u017eesn\u012f 2 000 USD biud\u017eet\u0105, jie gali sau leisti 295 000 USD nam\u0105 su 7% tarifu. Per pastar\u0105sias \u0161e\u0161ias savaites jie prarado 22 250 USD perkam\u0105j\u0105 gali\u0105; jie gal\u0117jo nusipirkti 317 250 USD b\u016bst\u0105 su 6,1% tarifu.<\/p>\n<div class=\"assets\"><\/div>\n<div class=\"row\">\n<div class=\"large-12 columns\">\n<div class=\"newsletter\">\n            <i class=\"fas fa-envelope\"\/><\/p>\n<h5><span class=\"ez-toc-section\" id=\"Registruotis_nemokamai_WPJ_savaitinis_informacinis_biuletenis\"><\/span>Registruotis nemokamai | WPJ savaitinis informacinis biuletenis<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<div class=\"row\">\n<div class=\"large-8 columns\">\n<h3 id=\"\"><span class=\"ez-toc-section\" id=\"Aktualios_nekilnojamojo_turto_naujienos_Veiksmingas_rinkos_tyrimas_Kiekviena_savaite_tiesiai_i_jusu_pasto_dezute\"><\/span>Aktualios nekilnojamojo turto naujienos.<br \/>Veiksmingas rinkos tyrimas.<br \/>Kiekvien\u0105 savait\u0119 tiesiai \u012f j\u016bs\u0173 pa\u0161to d\u0117\u017eut\u0119.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<div class=\"row\">\n<div class=\"large-12 columns\">\n<hr\/>\n<h2><span class=\"ez-toc-section\" id=\"Nekilnojamojo_turto_skelbimu_vitrina\"><\/span>Nekilnojamojo turto skelbim\u0173 vitrina<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/p><\/div>\n<\/div><\/div>\n<p><script>\n  !function(f,b,e,v,n,t,s)\n  {if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n  n.callMethod.apply(n,arguments):n.queue.push(arguments)};\n  if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\n  n.queue=();t=b.createElement(e);t.async=!0;\n  t.src=v;s=b.getElementsByTagName(e)(0);\n  s.parentNode.insertBefore(t,s)}(window, document,'script',\n  'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n  fbq('init', '153280596666579');\n  fbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.worldpropertyjournal.com\/real-estate-news\/united-states\/washington-dc-real-estate-news\/real-estate-news-current-mortgage-rate-october-2024-mortgage-data-redfin-homebuyer-report-homebuyer-data-october-2024-chen-zhao-2024-presidential-elec-14276.php\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El. pa\u0161tas Prisiregistruokite gauti nemokam\u0105 savaitin\u012f informacin\u012f biuleten\u012f JAV b\u016bsto pirk\u0117jai per paskutines 6 rinkim\u0173 ciklo savaites praranda 33 000 USD perkam\u0105j\u0105 gali\u0105 Nacionalinio nekilnojamojo..<\/p>\n","protected":false},"author":1,"featured_media":198,"comment_status":"","ping_status":"","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,"footnotes":""},"categories":[45],"tags":[362,401,123,446,257,256,332,448,445,449,447],"class_list":["post-197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apie-komercini-turta-europoje","tag-hipotekos","tag-iki","tag-jav","tag-likus","tag-normos","tag-palukanu","tag-pasieke","tag-prezidento","tag-procentus","tag-rinkimu","tag-savaitei"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts\/197","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/comments?post=197"}],"version-history":[{"count":0,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts\/197\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/media\/198"}],"wp:attachment":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/media?parent=197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}