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美国已经确定年尾升息,短期升到2%,中期正常化到5%,升息对你的每月供期有什么影响?
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美国已经确定年尾升息,短期升到2%,中期正常化利息也就是,5%,
届时美元必定会涨,
已经疲弱的马币让马来西亚央行不得不升息避免马币大插水。
到时利息至少会涨2%,这对你的每月供期有什么影响?
http://www.theguardian.com/busin ... t-rates-appropriate
Federal Reserve chairwoman Janet Yellen has said she expects interest rates to rise this year, in what would be the first rate hike from near zero since the 2008 economic crisis.
Yellen said that if the US economy continues to strengthen, “it will be appropriate at some point this year to take the initial step to raise the federal funds rate”.
[url=]Federal Reserve says June too early to begin raising interest rates[/url]
Read more
However, she cautioned the market not to expect any rapid increase in rates. “After we begin raising the federal funds rate, I anticipate that the pace of normalization is likely to be gradual,” she said in a speech in Rhode Island on Friday.
“The various headwinds that are still restraining the economy, as I said, will likely take some time to fully abate, and the pace of that improvement is highly uncertain.
“We have no intention of embarking on a pre-set course of increases in the federal funds rate after the initial increase,” she added.
Her comments come just a few weeks before the next Federal Reserve policy meeting, on 16-17 June. At the last meeting the committee indicated the central bank was unlikely to raise rates until later in the year, with most economists pencilling in a September rate raise.
Yellen said that while the official unemployment rate of 5.4% is approaching what many Federal Reserve officials consider to be consistent with full employment, the jobless rate “probably does not fully capture the extent of slack in the labor market”.
She also expressed disappointment that big US companies are not increasing employees wage cheques as they prosper from the improving economy, and warned that the roughly 2% increase in hourly wages throughout the recovery indicated that “the labor market has not fully healed”.
“There are at least some encouraging signs of a pickup so far this year,” she said. “The fact that some large companies such as Walmart and Target have announced wage increases for their employees also might be a sign that larger wage gains are on the horizon.”
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楼主 |
发表于 24-5-2015 12:02 AM
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之前看过理财专家说每升息1%,每个月的供款大概增加10%。。
如果在3-5年内美国利率正常化到5%,马来西亚的利息应该是多少呢?? |
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发表于 24-5-2015 01:09 AM
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发表于 24-5-2015 01:22 AM
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Last straw that broke the camel's back ? 要来的始终会来 ! |
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发表于 24-5-2015 06:10 AM
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2%蛮多下...............美国现在才0.25%
这两天亚洲股市大跌 |
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发表于 24-5-2015 06:17 AM
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如果没记错升息1%,利息支出增加12%
马来西亚去年7月以前,估计比正常水平低2.2%
如果在3-5年内美国利率正常化到5%,我持保留态度。
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发表于 24-5-2015 06:35 AM
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不要让贷款成为压倒你最后一根稻草,大家就做个简单房屋贷款压力测试吧!
举例,450K,30年,原利息4.2%,月入10K
一般都用2%,我偏爱用2.75%(利息支出55%)
所以,应计利息是 6.95%
得到每月还款数目2978.77
(每月总债务付款/每月总收入所得)X 100%
(2978.77 / 10000)X 100% = 29.79%
〉55% | 危险 | 35%~55% | 重新财务规划 | <35% | 舒适 |
现在年轻人除了房贷,卡债、车贷和教育费都要还,真让人透不过气来。
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发表于 24-5-2015 09:26 AM
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发表于 24-5-2015 09:29 AM
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本帖最后由 nakata017 于 24-5-2015 01:53 AM 编辑
每个月供款增 10% 的话
供 1 间的话还能顶得住, 供 3 - 4 间的话会不会? ? |
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发表于 24-5-2015 10:36 AM
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‘美国已经确定年尾升息’
Janet Yellen has said she expects interest rates to rise this year,
就酱。 |
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发表于 24-5-2015 11:35 AM
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本帖最后由 JamesPat 于 24-5-2015 11:50 AM 编辑
继续睡在你的梦里, 你可以选择不要醒来
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发表于 24-5-2015 12:13 PM
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ucsi 发表于 24-5-2015 10:36 AM
‘美国已经确定年尾升息’
Janet Yellen has said she expects interest rates to rise this year,
Expect的翻译是预期,不是确定。 |
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发表于 24-5-2015 12:13 PM
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发表于 24-5-2015 12:32 PM
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那你担不担心加息 ? 或您的回复已确认您担心加息 ?
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发表于 24-5-2015 12:47 PM
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JamesPat 发表于 24-5-2015 12:32 PM
那你担不担心加息 ? 或您的回复已确认您担心加息 ?
對很多人來說,gst 已經是要生要死。gst 前,三月時,整個大馬就像馬雅預言的世界沒日一樣,現在五月也快完,地球還是一樣的轉。 |
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发表于 24-5-2015 01:15 PM
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看了原文。Janet Yellen 只是预期说今年会升息(Federal Reserve chairwoman Janet Yellen has said she expects interest rates to rise this year)。
她根本没有说会升多少,反而表示市场不要预期利率会快速上升(she cautioned the market not to expect any rapid increase in rates)。 |
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发表于 24-5-2015 02:11 PM
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本帖最后由 js188 于 24-5-2015 02:12 PM 编辑
是转了,越转越不行。 |
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发表于 24-5-2015 05:42 PM
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发表于 24-5-2015 06:42 PM
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发表于 24-5-2015 09:23 PM
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haryewkun 发表于 24-5-2015 01:15 PM
看了原文。Janet Yellen 只是预期说今年会升息(Federal Reserve chairwoman Janet Yellen has said she ex ...
你不是担心升息担心到这样吧?
一个字,一个字看文章,找漏洞来安慰自己。
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