{"id":301,"date":"2024-12-04T08:13:11","date_gmt":"2024-12-04T08:13:11","guid":{"rendered":"https:\/\/ekobustai.lt\/index.php\/2024\/12\/04\/spalio-pabaigoje-jav-padaugejo-prasymu-isduoti-hipoteka\/"},"modified":"2024-12-04T08:13:11","modified_gmt":"2024-12-04T08:13:11","slug":"spalio-pabaigoje-jav-padaugejo-prasymu-isduoti-hipoteka","status":"publish","type":"post","link":"https:\/\/ekobustai.lt\/index.php\/2024\/12\/04\/spalio-pabaigoje-jav-padaugejo-prasymu-isduoti-hipoteka\/","title":{"rendered":"Spalio pabaigoje JAV padaug\u0117jo pra\u0161ym\u0173 i\u0161duoti hipotek\u0105"},"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>Nauji Hipotekos bankinink\u0173 asociacijos savait\u0117s hipotekos parai\u0161k\u0173 tyrimo duomenys rodo, kad 2024 m. lapkri\u010dio 22 d. pasibaigusi\u0105 savait\u0119 parai\u0161k\u0173 d\u0117l hipotekos padaug\u0117jo 6,3 %.<\/p>\n<p><strong>Pagrindiniai akcentai:<\/strong><\/p>\n<ul>\n<li><strong>Rinkos sud\u0117tinis indeksas:<\/strong> Palyginus su pra\u0117jusi\u0105 savait\u0119, i\u0161augo 6,3%, pakoregavus sezon\u0105. Nekoreguotas indeksas pakilo 3%.<\/li>\n<li><strong>Refinansavimo veikla:<\/strong> Palyginti su pra\u0117jusi\u0105 savait\u0119, suma\u017e\u0117jo 3%, bet i\u0161liko 119% didesnis nei t\u0105 pa\u010di\u0105 2023 m. savait\u0119.<\/li>\n<li><strong>Pirkimo parai\u0161kos:<\/strong> Sezoni\u0161kai pakoreguotas pirkim\u0173 indeksas pakilo 12%, o nekoreguotas indeksas, palyginti su pra\u0117jusi\u0105 savait\u0119, pakilo 7% ir buvo 52% didesnis nei t\u0105 pa\u010di\u0105 pra\u0117jusi\u0173 met\u0173 savait\u0119.<\/li>\n<\/ul>\n<div class=\"assets\">\n<div class=\"caption text-right\"><\/p>\n<p>Joelis Kan<\/p>\n<\/div>\n<\/div>\n<p>\u201ePirkim\u0173 aktyvumas paskatino bendr\u0105 parai\u0161k\u0173 skai\u010diaus padid\u0117jim\u0105, nes \u012fprast\u0173 pirkimo parai\u0161k\u0173 teikimas paspart\u0117jo ir \u0161iek tiek suma\u017e\u0117jo hipotekos pal\u016bkan\u0173 normos\u201c, \u2013 sak\u0117 MBA viceprezidentas ir vyriausiojo ekonomisto pavaduotojas Joelis Kanas. &#8222;30 met\u0173 fiksuota pal\u016bkan\u0173 norma nukrito iki 6,86%, tai pirmasis nuosmukis per daugiau nei du m\u0117nesius. Pirk\u0117jai i\u0161lieka aktyv\u016bs, nepaisant pastaruoju metu kilusi\u0173 pal\u016bkan\u0173 norm\u0173, kurias paskatino sustipr\u0117jusios ekonomin\u0117s s\u0105lygos ir daugiau turim\u0173 b\u016bsto atsarg\u0173. \u012eprast\u0173 pirkimo parai\u0161k\u0173 augimas padidino vidutin\u012f paskolos dyd\u012f iki 439 200 USD, o tai yra did\u017eiausia per beveik m\u0117nes\u012f. i\u0161 dalies d\u0117l Pad\u0117kos dienos 2023 m., palyginti su 2024 m.<\/p>\n<p>Apskritai, pra\u0117jusi\u0105 savait\u0119 efektyvios pal\u016bkan\u0173 normos suma\u017e\u0117jo daugelyje paskol\u0173 kategorij\u0173.<\/p>\n<p><strong>Rinkos akcijos:<\/strong><\/p>\n<ul>\n<li><strong>Refinansavimo veikla:<\/strong> Suma\u017e\u0117jo iki 38,8 % vis\u0173 parai\u0161k\u0173 nuo 41,0 % pra\u0117jusi\u0105 savait\u0119.<\/li>\n<li><strong>Reguliuojamo dyd\u017eio hipotekos (ARM):<\/strong> Padid\u0117jo iki 6,6 % vis\u0173 parai\u0161k\u0173.<\/li>\n<li><strong>FHA programos:<\/strong> Suma\u017e\u0117jo iki 16,0% nuo 16,6%.<\/li>\n<li><strong>VA programos:<\/strong> Suma\u017e\u0117jo iki 12,4% nuo 13,6%.<\/li>\n<li><strong>USDA programos:<\/strong> \u0160iek tiek padid\u0117jo iki 0,5% nuo 0,4%.<\/li>\n<\/ul>\n<p><strong>Vidutin\u0117s sutarties pal\u016bkan\u0173 normos:<\/strong><\/p>\n<ul>\n<li><strong>30 met\u0173 fiksuota pal\u016bkan\u0173 norma (atitinkan\u010dios paskolos, \u2264 766 550 USD):<\/strong> Nukrito iki 6,86 % (nuo 6,90 %), o ta\u0161kai i\u0161lieka 0,70.<\/li>\n<li><strong>30 met\u0173 fiksuota pal\u016bkan\u0173 norma (Jumbo paskolos, > 766 550 USD):<\/strong> Suma\u017e\u0117jo iki 6,97% (nuo 7,03%), ta\u0161kais pakilo iki 0,63 (nuo 0,53).<\/li>\n<li><strong>FHA 30 met\u0173 fiksuotos pal\u016bkan\u0173 normos paskolos:<\/strong> Nukrito iki 6,61% (nuo 6,68%), ta\u0161kais padid\u0117jo iki 0,99 (nuo 0,90).<\/li>\n<li><strong>15 met\u0173 fiksuot\u0173 pal\u016bkan\u0173 hipoteka:<\/strong> Suma\u017e\u0117jo iki 6,29% (nuo 6,32%), ta\u0161kai nepakito \u2013 0,76.<\/li>\n<li><strong>5\/1 ARMs:<\/strong> I\u0161liko stabilus ties 6,34%, bet ta\u0161kai padid\u0117jo iki 0,63 (nuo 0,42).<\/li>\n<\/ul>\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\/12\/04\/spalio-pabaigoje-jav-padaugejo-prasymu-isduoti-hipoteka\/#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\/12\/04\/spalio-pabaigoje-jav-padaugejo-prasymu-isduoti-hipoteka\/#Aktualios_nekilnojamojo_turto_naujienos_Veiksmingas_rinkos_tyrimas_Kiekviena_savaite_tiesiai_i_jusu_pasto_dezute\" >Aktualios nekilnojamojo turto naujienos. 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