Qual é a taxa de juros hoje?
A taxa de juros real dos EUA está em-1,19%, em comparação com 2,21% no ano passado. Isto é inferior à média de longo prazo de 3,69%.
produtos | Taxa de juro | ABRIL |
---|---|---|
Taxa fixa de 20 anos | 7,10% | 7,12% |
Taxa fixa de 15 anos | 6,62% | 6,65% |
Taxa fixa de 10 anos | 6,58% | 6,60% |
5-1 BRAÇO | 6,30% | 7,36% |
A taxa de juros real dos EUA está em-1,19%, em comparação com 2,21% no ano passado. Isto é inferior à média de longo prazo de 3,69%.
O presidente do Fed, Powell, disse em entrevista coletiva em 13 de dezembro que outro aumento nas taxas "não é provável". Na verdade, o Fed divulgou os seus materiais de projeções atualizadas, que mostram quetrês cortes de taxas são esperados em 2024, reduzindo a taxa em três quartos de ponto percentual até ao final do ano.
A atual taxa básica de juros do Bank of America, N.A. é8,50%(taxa vigente a partir de 13 de fevereiro de 2024).
Portanto, a menos que a inflação desacelere significativamente nos próximos meses,é improvável que as taxas hipotecárias caiam para 3% tão cedo. Na verdade, alguns especialistas prevêem que as taxas hipotecárias poderão atingir 10% até 2025.
Com as recentes subidas das taxas de juro,a taxa de juros dos cartões de crédito atingiu o nível mais alto de todos os tempos. A taxa média de juros do cartão de crédito é de 22,92% para novas ofertas e 21,47% para contas existentes. A TAEG média do cartão de crédito era de 16,17% em março de 2022, antes de o Fed iniciar os aumentos das taxas.
Principais contas de poupança. Aqui estão as contas de poupança tradicionais mais bem pagas. | |
---|---|
Banco Paragon | 5,16% (máximo de dois saques por ano ou a taxa cai para 1,5%) |
Irmãos próximos | 5,12% |
Dinheiro virgem | 5,11% (máximo de três saques por ano, a taxa cai para 2% a partir do quarto) |
Banco Monumento | 5,11% |
Taxas de juros projetadas nos próximos cinco anos
As previsões das taxas de juro do ING indicamTaxas de 2024 a partir de 4%, com cortes subsequentes para 3,75% no segundo trimestre.Depois, 3,5% no terceiro e 3,25% no último trimestre de 2024. Em 2025, o ING prevê uma nova queda para 3%.
A taxa fixa média a 30 anos atingiu um mínimo histórico de2,65% em janeiro de 2021antes de subir para 7,79% em outubro de 2023, de acordo com Freddie Mac.
Quão baixas serão as taxas de hipoteca em 2024?
A inflação e os aumentos do Fed elevaram as taxas hipotecárias para o nível mais alto em 20 anos. Atualmente, espera-se que as taxas de hipotecas de 30 anos caiam para algum lugarentre 5,9% e 6,1%em 2024. Em vez de esperar que as taxas caiam, os compradores de casas devem considerar comprar agora e refinanciar mais tarde para evitar o aumento da concorrência no próximo ano.
Apesar do recente aumento, a maioria dos especialistas do mercado imobiliário espera que as taxas hipotecárias diminuam ao longo de 2024, especialmente quando a Reserva Federal iniciar os seus esperados cortes nas taxas de juro. Mas ainda não se sabe se as taxas mais baixas criarão uma mudança significativa na acessibilidade das casas.
Em Dezembro, os responsáveis da Fed indicaram que previamtrês cortes de taxasem 2024, reduzindo a sua taxa de referência para cerca de 4,6% até ao final do ano. Powell disse ao “60 Minutes” que essa previsão provavelmente ainda reflectia as opiniões dos decisores políticos.
Qual foi a taxa básica de juros mais alta? A taxa básica de juros mais alta foi21,5%, alcançado em 19 de dezembro de 1980.
Informação básica. A taxa overnight dos fundos federais está em5,33%, em comparação com 5,33% no dia de mercado anterior e 4,57% no ano passado. Isto é superior à média de longo prazo de 4,61%.
Por que a taxa básica de juros muda?O Fed estabelece metas de taxas de juros para administrar a economia. Em Março de 2022, com as taxas de desemprego nos EUA nos níveis mais baixos desde a pré-pandemia e a inflação mais alta desde o início dos anos 80, a Fed está a aumentar as taxas num esforço para arrefecer a economia e combater a inflação.
“A economia e a inflação deverão enfraquecer no próximo ano, fazendo com que o Fed reduza as taxas”, diz ele. “Isso influenciará as taxas em geral e deve resultar em taxas de hipotecas iguais ou um pouco abaixo de 6%.” Até o final de 2024, ele prevê uma faixa de 5,50% a 6,00%. No entanto, alguns especialistas acham que levará mais tempo para que as taxas baixem.
Legalmente falando,não há limite de quantas vezes você pode refinanciar sua hipoteca, para que você possa refinanciar sempre que fizer sentido financeiro para você. Dependendo do seu credor e do tipo de empréstimo, você pode encontrar um período de espera – também chamado de requisito de tempero.
Embora os analistas de hipotecas baseiem as suas projeções em dados diferentes,a maioria dos especialistas e observadores do mercado prevêem que as taxas avançarão para 6% ou menos até o final de 2024.
Analistas da Fannie Mae e da Mortgage Bankers Association (MBA) projetam que as taxas cairão em 2024 e ao longo do próximo ano. Economistas da Fannie Mae esperam que as taxas caiam mais rapidamente, caindoabaixo de 6% até o quarto trimestre de 2024. Enquanto isso, a previsão do MBA para o quarto trimestre de 2024 é de 6,1% e de 5,9% para o primeiro trimestre de 2025.
Por que minha hipoteca aumentou se eu tenho uma taxa fixa?
Por que o pagamento da minha hipoteca aumentou? Os pagamentos de hipotecas podem flutuar devido amudanças na economiacomo o aumento das taxas de juros, mas também pode mudar por outros motivos, como se o imposto sobre a propriedade ou os prêmios de seguro residencial aumentarem.
Nome do Banco | Taxas de juros* | Taxa de processamento |
---|---|---|
Banco estatal da Índia | 8,40% a.a. em diante | 0,17% |
Banco da Índia | 8,45% a.a. em diante | Até 0,25% |
Empréstimos residenciais HDFC | 8,45% a.a. em diante | Rs.3.000 ou 0,5%, o que for maior |
Eixo do Banco | 9,00% a.a. em diante | Rs.10.000 ou até 1% do valor do empréstimo |
Em março de 2024,nenhum banco está oferecendo taxas de juros de 7% em contas poupança. Duas cooperativas de crédito têm contas correntes com juros altos. A elegibilidade para estas cooperativas de crédito é limitada de acordo com a localização geográfica e outros critérios restritos.
- Pelican State Credit Union - 6,05% APY em saldos de até US$ 10.000. ...
- Cooperativa de Crédito de Nova Jersey - APY de 6,00% sobre saldos de até US$ 25.000. ...
- Fitness Bank - 6,00% APY em saldos de até $ 25.000. ...
- Orion Federal Credit Union - 6,00% APY em saldos de até US$ 10.000.
Banco | APY | Min. depósito para abrir |
---|---|---|
BMO alto | 5,10% | US$ 0 |
Banco CIT | 5,05% (em saldos de US$ 5.000 ou mais) | US$ 100 |
DollarSavingsDirect | 5,00% | US$ 0 |
Cooperativa de crédito federal comunitária | 5,00% | US$ 1 |
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