Topline
Federal Reserve ໃນວັນພຸດ ໄດ້ຮັບອະນຸຍາດ the biggest interest rate hike in 22 years as part of its effort to combat the quickest surge in prices in over 40 years, doubling down on a series of rate increases that’s already making a slew of debt offerings more expensive—including some student loans, credit cards and future mortgages.
ປະທານຄະນະກໍາມະການທະນາຄານກາງ Federal Reserve Jerome Powell ໃຫ້ການເປັນພະຍານໃນລະຫວ່າງການພິຈາລະນາການແຕ່ງຕັ້ງຄືນໃຫມ່ຂອງລາວກ່ອນການ … [+]
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ຂໍ້ເທັດຈິງສໍາຄັນ
ທ່ານ Greg McBride ຫົວຫນ້ານັກວິເຄາະດ້ານການເງິນຂອງທະນາຄານ Bankrate ກ່າວໃນຄໍາເຫັນທາງອີເມລ໌, ໂດຍຊີ້ໃຫ້ເຫັນບັດເຄຣດິດເກືອບທັງຫມົດແມ່ນມາພ້ອມກັບອັດຕາດອກເບ້ຍທີ່ມີການປ່ຽນແປງທີ່ສົມທຽບກັບອັດຕາເງິນທຶນຂອງລັດຖະບານກາງກໍານົດໂດຍອັດຕາເງິນເຟີ້. Fed.
A couple of rate hikes alone isn’t likely to have a considerable effect on smaller-ticket items including auto financing, but on Thursday, several major banks—including Bank of America, Wells Fargo and JPMorgan—ຍົກຂຶ້ນມາ their prime interest rates, which are used to calculate loan costs, to 4%, compared to ປະມານ 3.25% ສອງປີກ່ອນ.
ເຖິງແມ່ນວ່າເງິນກູ້ນັກສຶກສາລັດຖະບານກາງແມ່ນ doled ອອກດ້ວຍ ອັດຕາຄົງທີ່ ທີ່ຈະບໍ່ໄດ້ຮັບຜົນກະທົບ, ເງິນກູ້ຢືມເອກະຊົນ - ເຊິ່ງເປັນຕົວແທນປະມານ 8% ຂອງຕະຫຼາດທີ່ມີເງິນກູ້ຢືມປະມານ 131 ຕື້ໂດລາ. ທີ່ຍັງຄ້າງຄາ— ມັກຈະມາພ້ອມກັບອັດຕາການປ່ຽນແປງທີ່ເພີ່ມຂຶ້ນຫຼັງຈາກ Fed hikes.
Mortgage rates have jumped 2 full percentage points since the beginning of the year, from nearly 3.8% to 5.3%, McBride points out, saying the increase should temper skyrocketing housing prices “as more would-be homebuyers are priced out.”
Many mortgage lending businesses are already ທຸກທໍລະມານ from sinking demand, but McBride says the dearth in available homes for sale (still one-third of normal levels) should help rising rates from weighing on the housing market too much.
ຈຸດຫນຶ່ງທີ່ສົດໃສ? McBride ກ່າວວ່າ "ການຄາດຄະເນຂອງນັກປະຫຍັດແມ່ນດີຂຶ້ນ," McBride ເວົ້າ, ຊີ້ໃຫ້ເຫັນບັນຊີເງິນຝາກປະຢັດແລະໃບຢັ້ງຢືນເງິນຝາກທີ່ໃຫ້ຜົນໄດ້ຮັບສູງ, ເຖິງແມ່ນວ່າທະນາຄານສ່ວນໃຫຍ່ "ມີແນວໂນ້ມທີ່ຈະຂີ້ຄ້ານທີ່ຈະຜ່ານອັດຕາທີ່ສູງຂຶ້ນ."
ຄຳ ເວົ້າທີ່ ສຳ ຄັນ
McBride ກ່າວວ່າ "ການເພີ່ມຂຶ້ນຂອງອັດຕາດອກເບ້ຍຫມາຍຄວາມວ່າຄ່າໃຊ້ຈ່າຍໃນການກູ້ຢືມຫຼາຍ, ແລະໃນທີ່ສຸດເງິນຝາກປະຢັດຈະມີລາຍໄດ້ຫຼາຍ," McBride ເວົ້າຕື່ມວ່າ, ຄົວເຮືອນຄວນຈະດໍາເນີນຂັ້ນຕອນເພື່ອ "ສະຖຽນລະພາບທາງດ້ານການເງິນຂອງເຂົາເຈົ້າ", ລວມທັງການຊໍາລະບັດເຄຣດິດລາຄາແພງແລະຫນີ້ສິນອັດຕາການປ່ຽນແປງອື່ນໆ, ແລະຊຸກຍູ້ການສຸກເສີນ. ເງິນຝາກປະຢັດ. "ທັງສອງຈະຊ່ວຍໃຫ້ທ່ານສາມາດປັບປຸງອັດຕາດອກເບ້ຍທີ່ເພີ່ມຂຶ້ນ, ແລະສິ່ງໃດກໍ່ຕາມທີ່ອາດຈະເກີດຂື້ນໃນເສດຖະກິດຕໍ່ໄປ."
ຂ່າວ Peg
ໃນການສະຫລຸບຂອງກອງປະຊຸມນະໂຍບາຍສອງມື້ຂອງພວກເຂົາໃນຕອນບ່າຍວັນພຸດ, ເຈົ້າໜ້າທີ່ Fed ກ່າວວ່າ the central bank would raise the federal funds rate, which is the target interest rate at which commercial banks borrow and lend reserves, by 50 basis points to a target range of 0.75% to 1%—a widely expected move following an initial hike ຂອງ 25 ຈຸດພື້ນຖານໃນວັນທີ 16 ມີນາ.
ສິ່ງທີ່ຄວນສັງເກດເບິ່ງ
On Wednesday, Fed Chair Jerome Powell ruled out increasing the federal funds rate by 75 basis points in the coming months, laying out a framework for two additional increases of 50 basis points each at upcoming meetings. That said, expectations for the pace and intensity of future rate hikes have grown more aggressive amid relentlessly strong inflation and criticism that the central bank ລໍຖ້າ too long to start raising rates. In a Friday note to clients, Bank of America economist Ethan Harris said the key risk to the economy is that inflation remains elevated next year. “Recession risks are low now, but elevated in 2023 as inflation could force the Fed to hike until it hurts,” he said. Last month’s consumer price index report will be released on May 11, and the Fed’s next policy meeting concludes on June 15.
ໝາຍ ເລກໃຫຍ່
$ 15.6 ພັນຕື້. That’s how much debt American households held at the end of last year—the highest amount ever, according to the ສະຫງວນລັດຖະບານກາງນິວຢອກ. Though most of it is contained in fixed-rate housing debt, the overall figure jumped by the biggest amount in 14 years as fast-rising home and auto prices helped mortgage balances swell by $258 billion and car loans jump by $181 billion. Credit card balances, on the other hand, increased by $52 billion, while student loan debt actually contracted by $8 billion.
ອ່ານເພີ່ມເຕີມ
ຮຸ້ນສາມາດຫຼຸດລົງອີກ 15% ຫຼັງຈາກ Fed-spurred ການຂາຍ - ເສດຖະກິດຈະຕົກຢູ່ໃນພາວະຖົດຖອຍບໍ? (Forbes)
Source: https://www.forbes.com/sites/jonathanponciano/2022/05/05/student-loans-car-payments-credit-cards-heres-what-will-cost-more-as-fed-raises-interest-rates/