Mufananidzo kunobva: CNBC

 

Goho pamakore gumi echisungo cheUS chakakwira kusvika pa4.21% muna Gumiguru 21, hutsva hutsva kubva Nyamavhuvhu 2007.

Zvibereko zveUS bond zvakave zvinotarisisa kufarira pamisika yepasi rose, uye kukwira kwakanyanya gore rino kwakatorwa sechiratidzo chekunyevera, zvichikonzera kusagadzikana kunoshamisa pamisika yemari.

Chii chiri Kutya-kurova pamusoro pekuvandudzwa kwechiratidzo ichi zvekuti ine musika mumheremhere?

 

Nei ndichifanira kutarisa nezvegumi-gore reUS bond?

Bond rekuUS ibhondi rinopihwa nehurumende yeUS, bhiri revimbiso.

Inotsigirwa nehurumende yeUS uye inoonekwa sechinhu chisina njodzi munyika uye inoremekedzwa zvakanyanya.

Uye izvo goho zvatinoona pamabhondi eUS zvinotobva pakuverenga kwakakodzera.

Semuyenzaniso, mutengo wazvino wegumi-gore reUS bond i88.2969 uye coupon rate i2.75%.Izvi zvinoreva kuti kana iwe ukatenga chisungo ichi pamutengo iwoyo uye uchiribata kusvika pakukura, mari yemubereko i$2.75 pagore, ine mubereko miviri pagore, uye kana ukaidzikinura pakukura pamutengo wecouponi, kudzoka kwako kwegore i4.219%.

Panguva imwecheteyo, chikwereti cheUS chenguva pfupi chiri panjodzi yezvematongerwo enyika nemisika, nepo chikwereti cheUS chenguva refu hachina chokwadi uye chisina chokwadi.

Bond reUS remakore gumi ndiro rinonyanya kushanda pane ese maturities uye zvakare hwaro hwemari yekukweretesa kubhanga, kusanganisira zvikwereti, uye goho pamhando dzese dzemidziyo.

Nekuda kweizvozvo, goho pa10-year bond yeUS inozivikanwa zvakanyanya se "chiyero chisina njodzi" chinotaridza kuderera kwegoho reasset uye inonzi "anchor" yemitengo yeasset.

Iko kukwira kwazvino kukwira kwegoho reUS bond kuri kuramba kuchikonzerwa neFederal Reserve iri kuramba ichikwira.

Saka chii chaizvo chiri hukama pakati pekukwira kwemitengo yekukwira nekukwira kweTreasury bond goho?

Muchiyero chekukwira kutenderera: mitengo yebhondi inofambidzana pamwe nekushanduka kwemwero wekupihwa.

Kukwira kwemitengo yezvisungo pazvisungo zvitsva kunotungamirira kukutengesa-kubvisa muzvisungo zvekare, kutengesa kunokonzera kuderera kwemitengo yezvisungo, uye kuderera kwemitengo kunokonzera kuwedzera kwegoho pakukura.

Mune mamwe mazwi, mubereko mumwechete waimbotenga nemadhora makumi mapfumbamwe nemapfumbamwe wave kutenga nemadhora makumi mapfumbamwe nemashanu.Kune mutengi anoitenga nemadhora makumi mapfumbamwe nemashanu, goho rekukura rinowedzera.

 

Zvakadini nemusika wekutengesa zvivakwa?

Kusvetuka kwegoho pamabhondi eUS-makore gumi kwakwidza mitengo yembangi.

Mufananidzo kunobva: Freddie Mac

 

NeChina chapfuura, Freddie Mac akashuma kuti mubereko wechikwereti chemakore makumi matatu wechikwereti chakakwira kusvika ku6.94%, ichityisidzira kutyora iyo yakakosha 7% chipingamupinyi.

Mutoro wekutenga imba uri pamusoro-soro.Sekureva kweFederal Reserve Bank yeAtlanta, avhareji mhuri yeUS ikozvino inofanirwa kushandisa hafu yemari yainowana pakutenga imba, ingangoita katatu mumakore maviri.

Mufananidzo wechikwereti: Redfin

 

Tichifunga nezvemutoro unorema uyu pakutenga dzimba, kutengeserana kwezvivakwa kwakamira: Kutengeswa kwemba kwakadonha kwemwedzi wechisere wakateedzana munaGunyana, uye kudiwa kwembandi kwakadonha kusvika padanho rakaderera mumakore makumi maviri nemashanu.

Kusvikira paine shanduko mukukwira kwemitengo yezvivakwa, zvakaoma kufungidzira iyo real estate musika kupora.

Saka isu tinokwanisa kuita fungidziro yemitengo yembangi kubva mukuvandudzwa kwe10-year Treasury goho.

 

Tichakwira rini?

Tichitarisa kumatunhu ekukwira kwemwero wenhoroondo, makore gumi egoho reUS bond rakapfuura mwero wekupedzisira wekuwedzera pamwero wepamusoro wekukwira kutenderera.

Iyo dot plot yemusangano weSeptember rate inoratidza kuti kupera kweyezvino chiyero chekukwira kutenderera kuchave kwakapoteredza 4.5 - 5%.

Zvakadaro, goho pamabhondi e10-gore reUS rinofanirwa kunge richine nzvimbo yekukwira.

Pamusoro pezvo, mumhindu yekukwira kutenderera kwemakore makumi mana apfuura, goho remabhondi eUS ane makore gumi ragara richikwira pamusoro pechikamu chechina chisati chaitwa.

Izvi zvinoreva kuti goho remabhondi eUS ane makore gumi richava rekutanga kudonha Fed isati yamira kukwidza mari dzemibairo.

Mortgage rates inodzoreredza maitiro avo ekukwira panguva iyoyo.

 

Uye zvino inogona kunge iri "awa yerima kusati kwaedza."