¿Cómo el aumento en las tasas hipotecarias va a repercutir en las ventas de las casas?
Cuando las tasas de interés hipotecarias empiezan a aumentar, los expertos comienzan inmediatamente a discutir los índices de asequibilidad de la vivienda. Ellos calculan como un aumento en las tasas va a disminuir la compra de las casas, entre más y más compradores potenciales son excluidos del mercado. Hoy, con los precios de las casas también aumentando, muchos creen que las ventas de las casas tal vez se van a frenar drásticamente.
This may prove to be true in the long term. However, in the short term, increasing mortgage rates may have the opposite effect. Many buyers who have been sitting on the fence may realize that delaying their purchase no longer makes sense.
Last week, in a CNBC article, Matt Weaver of Florida-based PMAC Lending explained the impact an increase in rates will have:
«These increases really help the home-buying market. It really gets buyers to really understand that ‘wait a minute, rates are at an all-time low, let’s react now, let’s react before they go higher’.”
As an example, we can look to 2013 when interest rates spiked up by a full percentage point over a two month period. The result is that many buyers rushed to the market on the fear that rates would continue to climb. It didn’t necessarily increase the number of sales that year dramatically.
However, it did seem to move some sales up in the year as evidenced by the chart below:
We can see that the sales cycle did not follow a more normal cycle (2014) with more sales being pushed into July and August and slightly less sales in September and August.
If you are waiting to put your house on the market, think twice. Now may be the perfect time to sell as buyer competition will continue to heat up as more purchasers jump into the market. You may also save a pretty penny on the monthly mortgage payment of your next home by selling now before rates shoot up.
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