Is This the Year to Move Up to Your Dream Home? If So, Do it Early

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It appears that Americans are regaining faith in the U.S. economy. The following indexes have each shown a dramatic jump in consumer confidence in their latest surveys:

美國人正在重新獲得對美國經濟的信心,以下最新調查的指數均顯示消費者的信心大幅提升:

  1. The University of Michigan Consumer Sentiment Index
    密西根大學消費者信心指數

  2. National Federation of Independent Businesses’ Small Business Optimism Index
    全國獨立企業聯合會小型企業樂觀指數

  3. CNBC All-America Economic Survey
    CNBC全美經濟調查

  4. The Conference Board Consumer Confidence Survey
    會議委員會消費者信心調查

It usually means good news for the housing market when the country sees an optimistic future. People begin to dream again about the home their family has always wanted, and some make plans to finally make that dream come true.

當國家看到樂觀的未來時,這通常是房地產市場的好消息。人們開始再次夢想他們一直想要的的家園,許多人開始計劃,使這個夢想成真。

If you are considering moving up to your dream home, it may be better to do it earlier in the year than later. The two components of your monthly mortgage payment (home prices and interest rates) are both projected to increase as the year moves forward, and interest rates may increase rather dramatically. Here are some predictions on where rates will be by the end of the year:

如果你正在考慮搬家到你的夢想家園,在年初來實踐會比以後更好。您的每月房屋貸款的兩部分(房價和利率)都預計隨著時間而增加,尤其是利率可能會相當劇烈地增加。以下為有關利率的一些預測:

HSH.com:

“We think that conforming 30-year fixed rates probably make it into the 4.625 percent to 4.75 percent range at some point during 2017 as a peak.”

“我們認為30年期固定利率可能會在2017年漲到最高點 4.625%至4.75%的範圍。

Svenja Gudell, Zillow’s Chief Economist:
Zillow首席經濟學家Svenja Gudell:

“I wouldn’t be surprised if the 30-year fixed mortgage rate hits 4.75 percent.”

“如果30年固定利率達到4.75%,我不會感到驚訝。”

Mark Fleming, the Chief Economist at First American:
First American首席經濟學家Mark Fleming:

“[I see] mortgage rates getting much closer to 5 percent at the end of next year.”

“[我認為]房屋貸款利率在明年年底時將接近5%。”

Lawrence Yun, NAR Chief Economist:
NAR首席經濟學家Lawrence Yun:

“By this time next year, expect the 30-year fixed rate to likely be in the 4.5 percent to 5 percent range.”

“明年這個時候,30年固定利率可能在4.5%至5%的範圍內。”

Bottom Line
結論

If you are feeling good about your family’s economic future and are considering making a move to your dream home, doing it sooner rather than later makes the most sense.

如果你對你和家人的經濟前景感覺不錯,並且正在考慮搬家到你的夢想家園,現在就行動,會比等待來得更有意義。

 

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