{"id":203,"date":"2024-11-01T01:19:17","date_gmt":"2024-11-01T01:19:17","guid":{"rendered":"https:\/\/ekobustai.lt\/index.php\/2024\/11\/01\/hipotekos-paraiskos-jav-krito-spalio-pabaigoje\/"},"modified":"2024-11-01T01:19:17","modified_gmt":"2024-11-01T01:19:17","slug":"hipotekos-paraiskos-jav-krito-spalio-pabaigoje","status":"publish","type":"post","link":"https:\/\/ekobustai.lt\/index.php\/2024\/11\/01\/hipotekos-paraiskos-jav-krito-spalio-pabaigoje\/","title":{"rendered":"Hipotekos parai\u0161kos JAV krito spalio pabaigoje"},"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<p>Remiantis naujausia Hipotekos bankinink\u0173 asociacijos savait\u0117s parai\u0161k\u0173 apklausa, atlikta savait\u0119, pasibaigusi\u0105 2024 m. spalio 25 d., parai\u0161k\u0173 d\u0117l hipotekos JAV suma\u017e\u0117jo 0,1 proc., palyginti su savaite anks\u010diau.<\/p>\n<p>Rinkos sud\u0117tinis indeksas, parai\u0161k\u0173 d\u0117l hipotekos paskolos apimties matas, sezoni\u0161kai pakoregavus, suma\u017e\u0117jo 0,1 proc., palyginti su savaite anks\u010diau. Nekoreguotas indeksas, palyginti su pra\u0117jusi\u0105 savait\u0119, suma\u017e\u0117jo 1 proc.<\/p>\n<p>Refinansavimo indeksas, palyginti su pra\u0117jusi\u0105 savait\u0119, suma\u017e\u0117jo 6 procentais ir buvo 84 procentais didesnis nei t\u0105 pa\u010di\u0105 savait\u0119 prie\u0161 metus. Sezoni\u0161kai pakoreguotas pirkim\u0173 indeksas, palyginti su savaite anks\u010diau, padid\u0117jo 5 proc. Nekoreguotas Pirkim\u0173 indeksas, palyginti su pra\u0117jusi\u0105 savait\u0119, padid\u0117jo 4 procentais ir buvo 10 procent\u0173 didesnis nei t\u0105 pa\u010di\u0105 savait\u0119 prie\u0161 metus.<\/p>\n<div class=\"assets\">\n<div class=\"caption text-right\"><\/p>\n<p>Joelis Kan<\/p>\n<\/div>\n<\/div>\n<p>&#8222;Pra\u0117jusi\u0105 savait\u0119 hipotekos parai\u0161kos i\u0161 esm\u0117s buvo nepakitusios, nes pal\u016bkan\u0173 normos padid\u0117jo ketvirt\u0105 kart\u0105 per penkias savaites, o tai l\u0117m\u0117 obligacij\u0173 rinkos nepastovumas prie\u0161 prezidento rinkimus ir kit\u0105 FOMC susitikim\u0105. 30 met\u0173 fiksuota pal\u016bkan\u0173 norma \u2013 6,73 proc. auk\u0161\u010diausias lygis nuo 2024 m. liepos m\u0117n.\u201c, \u2013 sak\u0117 Joel Kan, MBA viceprezidentas ir vyriausiojo ekonomisto pavaduotojas. \u201ePo trumpo aktyvumo protr\u016bkio rugs\u0117j\u012f, kai pal\u016bkanos buvo \u017eemesn\u0117s beveik 60 bazini\u0173 punkt\u0173, bendras parai\u0161k\u0173 skai\u010dius suma\u017e\u0117jo 27 proc., o tai l\u0117m\u0117 suma\u017e\u0117j\u0119s refinansavimas. Didel\u0119 suma\u017e\u0117jimo dal\u012f sudar\u0117 vyriausyb\u0117s refinansavimas \u2013 per pra\u0117jusi\u0105 savait\u0119 suma\u017e\u0117jo 12 procent\u0173. \u201c<\/p>\n<p>Kanas prid\u016br\u0117: \u201ePra\u0161ym\u0173 pirkti padaug\u0117jo, palyginti su sutrump\u0117jusia atostog\u0173 savaite, ir buvo 10 procent\u0173 daugiau nei prie\u0161 metus. Nors trumpalaiki\u0173 pirkim\u0173 parai\u0161k\u0173 aktyvumas susilpn\u0117jo, mes ir toliau tikim\u0117s, kad b\u016bsto paklausa i\u0161 jaunesni\u0173 b\u016bsto pirk\u0117j\u0173 per ateinant\u012f laikotarp\u012f prisid\u0117s prie pirkimo augimo. kelerius metus, nes parduodamos atsargos palaipsniui ma\u017e\u0117ja.<\/p>\n<p>Hipotekos veiklos refinansavimo dalis suma\u017e\u0117jo iki 43,1 procento vis\u0173 parai\u0161k\u0173 nuo 45,7 procento pra\u0117jusi\u0105 savait\u0119. Reguliuojam\u0173 pal\u016bkan\u0173 hipotekos (ARM) veiklos dalis i\u0161augo iki 6,4 proc. vis\u0173 pra\u0161ym\u0173.<\/p>\n<p>FHA dalis vis\u0173 parai\u0161k\u0173 suma\u017e\u0117jo iki 16,4 procento nuo 16,9 procento prie\u0161 savait\u0119. VA dalis vis\u0173 pra\u0161ym\u0173 suma\u017e\u0117jo iki 14,6 procento nuo 15,8 procento prie\u0161 savait\u0119. USDA vis\u0173 parai\u0161k\u0173 dalis i\u0161liko nepakitusi ir sudar\u0117 0,4 proc., palyginti su pra\u0117jusi\u0105 savait\u0119.<\/p>\n<p>Vidutin\u0117 sutarties pal\u016bkan\u0173 norma u\u017e 30 met\u0173 fiksuot\u0173 pal\u016bkan\u0173 hipotek\u0105 su atitinkan\u010diais paskol\u0173 liku\u010diais (766 550 USD ar ma\u017eiau) padid\u0117jo iki 6,73 procento nuo 6,52 procento, o ta\u0161kai padid\u0117jo iki 0,69 nuo 0,64 (\u012fskaitant inicijavimo mokest\u012f) u\u017e 80 procent\u0173 paskolos iki vert\u0117s koeficiento (LTV) paskol\u0173. Efektyvi norma padid\u0117jo nuo pra\u0117jusios savait\u0117s.<\/p>\n<p>Vidutin\u0117 sutarties pal\u016bkan\u0173 norma u\u017e 30 met\u0173 fiksuot\u0173 pal\u016bkan\u0173 hipotek\u0105 su did\u017eiuliu paskol\u0173 liku\u010diu (didesn\u0117mis nei 766 550 USD) padid\u0117jo iki 6,77 procento nuo 6,73 procento, o ta\u0161kai suma\u017e\u0117jo iki 0,49 nuo 0,57 (\u012fskaitant inicijavimo mokest\u012f) u\u017e 80 procent\u0173 LTV paskolas. Efektyvi norma padid\u0117jo nuo pra\u0117jusios savait\u0117s.<\/p>\n<p>Vidutin\u0117 sutarties pal\u016bkan\u0173 norma u\u017e 30 met\u0173 fiksuot\u0173 pal\u016bkan\u0173 hipotek\u0105, kuri\u0105 u\u017etikrina FHA, padid\u0117jo iki 6,55 procento nuo 6,29 procento, o ta\u0161kai padid\u0117jo iki 0,94 nuo 0,86 (\u012fskaitant inicijavimo mokest\u012f) u\u017e 80 procent\u0173 LTV paskolas. Efektyvi norma padid\u0117jo nuo pra\u0117jusios savait\u0117s.<\/p>\n<p>Vidutin\u0117 sutarties pal\u016bkan\u0173 norma u\u017e 15 met\u0173 fiksuot\u0173 pal\u016bkan\u0173 hipotek\u0105 padid\u0117jo iki 6,27 procento nuo 5,98 procento, o ta\u0161kai padid\u0117jo iki 0,77 nuo 0,66 (\u012fskaitant inicijavimo mokest\u012f) u\u017e 80 procent\u0173 LTV paskolas. Efektyvi norma padid\u0117jo nuo pra\u0117jusios savait\u0117s.<\/p>\n<p>Vidutin\u0117 sutarties pal\u016bkan\u0173 norma u\u017e 5\/1 ARM padid\u0117jo iki 6,20 procento nuo 6,12 procento, o ta\u0161kai padid\u0117jo iki 0,59 nuo 0,56 (\u012fskaitant inicijavimo mokest\u012f) u\u017e 80 procent\u0173 LTV paskolas. Efektyvi norma padid\u0117jo nuo pra\u0117jusios savait\u0117s.<\/p>\n<div class=\"row\">\n<div class=\"large-12 columns\">\n<div class=\"newsletter\">\n            <i class=\"fas fa-envelope\"\/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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-5' ><li class='ez-toc-heading-level-5'><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-1\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/11\/01\/hipotekos-paraiskos-jav-krito-spalio-pabaigoje\/#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-2\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/11\/01\/hipotekos-paraiskos-jav-krito-spalio-pabaigoje\/#Aktualios_nekilnojamojo_turto_naujienos_Veiksmingas_rinkos_tyrimas_Kiekviena_savaite_tiesiai_i_jusu_pasto_dezute\" >Aktualios nekilnojamojo turto naujienos. 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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-3\" href=\"https:\/\/ekobustai.lt\/index.php\/2024\/11\/01\/hipotekos-paraiskos-jav-krito-spalio-pabaigoje\/#Nekilnojamojo_turto_skelbimu_vitrina\" >Nekilnojamojo turto skelbim\u0173 vitrina<\/a><\/li><\/ul><\/nav><\/div>\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-mortgage-bankers-association-weekly-applications-survey-october-2024-mortgage-applications-data-october-2024-joel-kan-14277.php\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El. pa\u0161tas Prisiregistruokite gauti nemokam\u0105 savaitin\u012f informacin\u012f biuleten\u012f Remiantis naujausia Hipotekos bankinink\u0173 asociacijos savait\u0117s parai\u0161k\u0173 apklausa, atlikta savait\u0119, pasibaigusi\u0105 2024 m. spalio 25 d., parai\u0161k\u0173..<\/p>\n","protected":false},"author":1,"featured_media":204,"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":[362,123,469,470,468,397],"class_list":["post-203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apie-komercini-turta-europoje","tag-hipotekos","tag-jav","tag-krito","tag-pabaigoje","tag-paraiskos","tag-spalio"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts\/203","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=203"}],"version-history":[{"count":0,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/posts\/203\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/media\/204"}],"wp:attachment":[{"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/media?parent=203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekobustai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}