{"id":2508,"date":"2024-10-22T20:14:41","date_gmt":"2024-10-22T20:14:41","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?p=2508"},"modified":"2025-01-07T15:56:45","modified_gmt":"2025-01-07T15:56:45","slug":"dlaczego-oprocentowanie-kredytow-hipotecznych-rosnie-nawet-gdy-fed-obniza-stopy-procentowe-przewodnik-dla-nabywcow-domow","status":"publish","type":"post","link":"https:\/\/www.myoakleaf.com\/pl\/2024\/10\/22\/why-mortgage-rates-are-rising-even-as-the-fed-cuts-rates-a-guide-for-homebuyers\/","title":{"rendered":"Dlaczego oprocentowanie kredyt\u00f3w hipotecznych ro\u015bnie nawet po obni\u017cce st\u00f3p przez Fed: Przewodnik dla nabywc\u00f3w dom\u00f3w"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Je\u015bli zwraca\u0142e\u015b uwag\u0119 na nag\u0142\u00f3wki gazet, mo\u017cesz si\u0119 zastanawia\u0107: \"Dlaczego oprocentowanie kredyt\u00f3w hipotecznych spada?\u00a0<\/span><i><span style=\"font-weight: 400;\">w g\u00f3r\u0119<\/span><\/i><span style=\"font-weight: 400;\">\u00a0kiedy Fed obni\u017ca stopy procentowe?\" Wydaje si\u0119 to dziwne, prawda? C\u00f3\u017c, nie jeste\u015b sam - jest to punkt dezorientacji dla wielu nabywc\u00f3w i w\u0142a\u015bcicieli dom\u00f3w. Prawda jest taka, \u017ce za kulisami dzieje si\u0119 wi\u0119cej, ni\u017c mog\u0142oby si\u0119 wydawa\u0107.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podzielmy to w spos\u00f3b, kt\u00f3ry ma sens, aby\u015b wiedzia\u0142, kiedy nast\u0119pnym razem b\u0119dziesz my\u015ble\u0107 o zakupie lub refinansowaniu domu.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Co powoduje wzrost rentowno\u015bci obligacji (i oprocentowania kredyt\u00f3w hipotecznych)?<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p><span style=\"font-weight: 400;\">W ostatnim czasie rentowno\u015bci globalnych obligacji gwa\u0142townie ros\u0142y. Ale rzecz w tym, \u017ce nie tylko\u00a0<\/span><i><span style=\"font-weight: 400;\">jeden<\/span><\/i><span style=\"font-weight: 400;\">\u00a0g\u0142\u00f3wny pow\u00f3d tego wzrostu. Zamiast tego jest to koktajl r\u00f3\u017cnych czynnik\u00f3w, kt\u00f3re pobudzaj\u0105 rynek.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lepsze dane o zatrudnieniu w USA.<\/b><span style=\"font-weight: 400;\">\u00a0sugeruje, \u017ce gospodarka radzi sobie lepiej ni\u017c oczekiwano.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Chiny pobudzaj\u0105 swoj\u0105 gospodark\u0119<\/b><span style=\"font-weight: 400;\">\u00a0z du\u017cymi \u015brodkami stymulacyjnymi, co wywo\u0142uje fal\u0119 na \u015bwiatowych rynkach.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inwestorzy wyceniaj\u0105 mniej obni\u017cek st\u00f3p procentowych<\/b><span style=\"font-weight: 400;\">\u00a0od Fed, ni\u017c si\u0119 spodziewali.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Wszystkie te si\u0142y powoduj\u0105 wzrost rentowno\u015bci obligacji - a wy\u017csze rentowno\u015bci obligacji oznaczaj\u0105 wy\u017csze oprocentowanie kredyt\u00f3w hipotecznych. Ale dlaczego? Zag\u0142\u0119bmy si\u0119 w ten temat.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:350px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:350px;\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio\" style=\"border:6px solid var(--awb-color8);border-radius:50%;\"><img decoding=\"async\" width=\"1024\" height=\"570\" alt=\"Koncepcja oprocentowania bankowego, biznesmen trzymaj\u0105cy ikon\u0119 globalnego banku ze strza\u0142k\u0105 w g\u00f3r\u0119 i zwi\u0119kszaj\u0105cy procentowe oprocentowanie po\u017cyczki. Rezerwa Federalna lub polityka podnoszenia banku centralnego. Stopa zad\u0142u\u017cenia. Inwestycje.\" title=\"Koncepcja oprocentowania bankowego, biznesmen trzymaj\u0105cy ikon\u0119 globalnego banku ze strza\u0142k\u0105 w g\u00f3r\u0119 i zwi\u0119kszaj\u0105cy procentowe oprocentowanie po\u017cyczki. Rezerwa Federalna lub polityka podnoszenia banku centralnego. Stopa zad\u0142u\u017cenia. Inwestycje.\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts-1024x570.jpeg\" class=\"img-responsive wp-image-2519 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts-200x111.jpeg 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts-400x223.jpeg 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts-600x334.jpeg 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts-800x446.jpeg 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts-1200x668.jpeg 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-FedCuts.jpeg 1280w\" sizes=\"(max-width: 840px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Fed a oprocentowanie kredyt\u00f3w hipotecznych: Co si\u0119 naprawd\u0119 dzieje?<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-3\"><p><span style=\"font-weight: 400;\">Tylko w tym tygodniu us\u0142yszeli\u015bmy od czterech cz\u0142onk\u00f3w Rezerwy Federalnej. Chocia\u017c nie hamuj\u0105 oni obni\u017cek stopy funduszy federalnych, robi\u0105 to ostro\u017cnie. Nadal istnieje du\u017ca szansa, \u017ce do ko\u0144ca roku zobaczymy jeszcze dwie obni\u017cki.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ale oto kluczowa informacja: mimo \u017ce Fed obni\u017cy\u0142 stopy procentowe o 0,50% we wrze\u015bniu, 30-letnie oprocentowanie kredyt\u00f3w hipotecznych wzros\u0142o.\u00a0<\/span><i><span style=\"font-weight: 400;\">w g\u00f3r\u0119<\/span><\/i><span style=\"font-weight: 400;\">\u00a0o oko\u0142o 0,75%. Dlaczego wi\u0119c oprocentowanie kredyt\u00f3w hipotecznych ro\u015bnie, gdy Fed obni\u017ca stopy procentowe? Odpowied\u017a mo\u017ce by\u0107 zaskakuj\u0105ca.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Dlaczego Fed nie kontroluje oprocentowania kredyt\u00f3w hipotecznych?<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-4\"><p><span style=\"font-weight: 400;\">Powszechnie panuje b\u0142\u0119dne przekonanie, \u017ce gdy Fed obni\u017ca stopy procentowe, oprocentowanie kredyt\u00f3w hipotecznych automatycznie spada. Nie do ko\u0144ca tak to dzia\u0142a. Fed obni\u017ca tak zwan\u0105 stop\u0119\u00a0<\/span><b>Stopa funduszy Fed<\/b><span style=\"font-weight: 400;\">Jest to stopa overnight, kt\u00f3rej banki u\u017cywaj\u0105 do po\u017cyczania sobie nawzajem pieni\u0119dzy. Ma to wp\u0142yw na takie rzeczy jak karty kredytowe, kredyty samochodowe i po\u017cyczki kr\u00f3tkoterminowe, ale\u00a0<\/span><b>nie d\u0142ugoterminowe stopy procentowe, takie jak kredyt hipoteczny<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u0142ugoterminowe stopy procentowe - takie jak te zwi\u0105zane z kredytami hipotecznymi - s\u0105 nap\u0119dzane przez inny zestaw czynnik\u00f3w, g\u0142\u00f3wnie inflacj\u0119 i rynek obligacji. Obecnie rentowno\u015b\u0107 obligacji ro\u015bnie, co wywiera presj\u0119 na wzrost oprocentowania kredyt\u00f3w hipotecznych.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Co tak naprawd\u0119 wp\u0142ywa na stopy procentowe kredyt\u00f3w hipotecznych?<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-5\"><p><span style=\"font-weight: 400;\">Je\u015bli zastanawiasz si\u0119, co\u00a0<\/span><i><span style=\"font-weight: 400;\">robi<\/span><\/i><span style=\"font-weight: 400;\">\u00a0wp\u0142ywaj\u0105 na oprocentowanie kredyt\u00f3w hipotecznych, najwi\u0119kszymi czynnikami s\u0105\u00a0<\/span><b>inflacja<\/b><span style=\"font-weight: 400;\">\u00a0i\u00a0<\/span><b>rynek pracy<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fed obni\u017ca stopy procentowe, poniewa\u017c dostrzega p\u0119kni\u0119cia w gospodarce - takie jak spowolnienie inflacji i rynek pracy, kt\u00f3ry wykazuje oznaki s\u0142abo\u015bci. W rzeczywisto\u015bci inflacja spada, a koszty mieszkaniowe (kt\u00f3re pozostawa\u0142y w tyle) w ko\u0144cu nadrabiaj\u0105 zaleg\u0142o\u015bci. Je\u015bli inflacja b\u0119dzie nadal spada\u0107, a rynek pracy z\u0142agodnieje, mo\u017cemy zaobserwowa\u0107 spadek oprocentowania kredyt\u00f3w hipotecznych w ci\u0105gu najbli\u017cszych sze\u015bciu miesi\u0119cy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ale oto, co warto wiedzie\u0107:\u00a0<\/span><b>Fed nie obni\u017ca oprocentowania kredyt\u00f3w hipotecznych.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dlatego tak wa\u017cne jest, aby edukowa\u0107 siebie i swoje sieci kontakt\u00f3w - tak, aby gdy kto\u015b zapyta: \"Dlaczego oprocentowanie kredyt\u00f3w hipotecznych nie spada?\", mie\u0107 w\u0142a\u015bciw\u0105 odpowied\u017a.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:350px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:350px;\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio\" style=\"border:6px solid var(--awb-color8);border-radius:50%;\"><img decoding=\"async\" width=\"1024\" height=\"682\" alt=\"Koncepcja stopy procentowej, biznesmen korzystaj\u0105cy z kalkulatora z symbolem procentu wykresu i strza\u0142k\u0105 w g\u00f3r\u0119, wzrost inwestycji i zysk\u00f3w, dywidendy i inwestycje d\u0142ugoterminowe, aby wygra\u0107 z inflacj\u0105, obliczanie podatk\u00f3w.\" title=\"Koncepcja stopy procentowej, biznesmen korzystaj\u0105cy z kalkulatora z symbolem procentu wykresu i strza\u0142k\u0105 w g\u00f3r\u0119, wzrost inwestycji i zysk\u00f3w, dywidendy i inwestycje d\u0142ugoterminowe, aby wygra\u0107 z inflacj\u0105, obliczanie podatk\u00f3w.\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages-1024x682.jpeg\" class=\"img-responsive wp-image-2520 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages-200x133.jpeg 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages-400x267.jpeg 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages-600x400.jpeg 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages-800x533.jpeg 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages-1200x800.jpeg 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/10\/OLCM-Rates-percentages.jpeg 1280w\" sizes=\"(max-width: 840px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\"><b>Co dalej z oprocentowaniem kredyt\u00f3w hipotecznych?<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-6\"><p><span style=\"font-weight: 400;\">Konkluzja jest nast\u0119puj\u0105ca: Je\u015bli inflacja b\u0119dzie nadal spada\u0107, a rynek pracy wyka\u017ce dalsze oznaki s\u0142abo\u015bci, w ci\u0105gu najbli\u017cszych sze\u015bciu miesi\u0119cy oprocentowanie kredyt\u00f3w hipotecznych mo\u017ce zacz\u0105\u0107 spada\u0107. Nale\u017cy jednak pami\u0119ta\u0107,\u00a0<\/span><b>Fed nie obni\u017ca bezpo\u015brednio oprocentowania kredyt\u00f3w hipotecznych<\/b><span style=\"font-weight: 400;\">Spadek stawek nie nast\u0105pi wi\u0119c z dnia na dzie\u0144.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Co to oznacza dla potencjalnego nabywcy, agenta nieruchomo\u015bci, budowniczego lub w\u0142a\u015bciciela domu? <\/span><b>Czy to nadal dobry czas na zakup, budow\u0119, refinansowanie lub remont?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Prawda jest taka, \u017ce zale\u017cy to od indywidualnej sytuacji. Przy wahaniach st\u00f3p procentowych wa\u017cniejsze ni\u017c kiedykolwiek jest dokonanie indywidualnej oceny w oparciu o swoje cele i sytuacj\u0119 finansow\u0105. Nawet w czasach niepewno\u015bci istniej\u0105 mo\u017cliwo\u015bci, niezale\u017cnie od tego, czy chcesz teraz zablokowa\u0107 stop\u0119 procentow\u0105 przed dalszymi wahaniami, czy te\u017c poczeka\u0107 na potencjalne spadki st\u00f3p procentowych w najbli\u017cszej przysz\u0142o\u015bci.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Je\u015bli nie masz pewno\u015bci, jaki powinien by\u0107 Tw\u00f3j nast\u0119pny krok,\u00a0<\/span><a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/\"><b>Skontaktuj si\u0119, aby uzyska\u0107 spersonalizowan\u0105 ocen\u0119<\/b><\/a><span style=\"font-weight: 400;\">. Mo\u017cemy przeprowadzi\u0107 Ci\u0119 przez opcje, pom\u00f3c rozwa\u017cy\u0107 korzy\u015bci p\u0142yn\u0105ce z zakupu, refinansowania lub innych ruch\u00f3w na rynku nieruchomo\u015bci i dostosowa\u0107 plan, kt\u00f3ry b\u0119dzie odpowiada\u0142 Twoim konkretnym potrzebom na tym zmieniaj\u0105cym si\u0119 rynku.<\/span><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;margin-bottom:25px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><div class=\"fusion-text fusion-text-7\" style=\"--awb-text-color:var(--awb-color4);\"><h4><strong>Wi\u0119cej szczeg\u00f3\u0142owych informacji na temat wp\u0142ywu globalnych trend\u00f3w gospodarczych na oprocentowanie kredyt\u00f3w hipotecznych mo\u017cna znale\u017a\u0107 na stronie <a href=\"https:\/\/www.facebook.com\/MortgageMessage\">@MortgageMessage<\/a>-Jest to fantastyczne \u017ar\u00f3d\u0142o informacji, dzi\u0119ki kt\u00f3remu specjali\u015bci od kredyt\u00f3w hipotecznych, agenci nieruchomo\u015bci i konsumenci s\u0105 na bie\u017c\u0105co!<\/strong><\/h4>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:25px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:25%;--awb-order-medium:0;--awb-spacing-right-medium:7.68%;--awb-spacing-left-medium:7.68%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-3 hover-type-none has-aspect-ratio\" style=\"border:6px solid var(--awb-color8);border-radius:50%;\"><img decoding=\"async\" width=\"835\" height=\"836\" alt=\"Jl Headshot 1st Choice Blue Hr Clipped\" title=\"Jl Headshot 1st Choice Blue Hr Clipped\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped.png\" class=\"img-responsive wp-image-1678 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-200x200.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-400x400.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-600x601.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped-800x801.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/04\/JL-headshot-1st-choice-blue-HR-Clipped.png 835w\" sizes=\"(max-width: 840px) 100vw, 400px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_3_4 3_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:75%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.56%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.56%;--awb-width-medium:75%;--awb-order-medium:0;--awb-spacing-right-medium:2.56%;--awb-spacing-left-medium:2.56%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8\"><p><b><i>Ta wiadomo\u015b\u0107 zosta\u0142a napisana przez <a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\">Joe LaGiglia<\/a> Oak Leaf Community Mortgage, NMLS #703971. R\u00f3wny po\u017cyczkodawca mieszkaniowy. Cz\u0142onek FDIC.<\/i><\/b><\/p>\n<p><i><span style=\"font-weight: 400;\">Nasz ekspert, Joe LaGiglia, pracuje w Downtown Plainfield jako Senior Mortgage Loan Originator w Oak Leaf Community Mortgage, powered by <a href=\"https:\/\/www.northshoretrust.com\/\">North Shore Trust and Savings<\/a> (NMLS #438265). Dzi\u0119ki og\u00f3lnokrajowej licencji, wiedza Joe jest ogromna i nieoceniona. Aby zag\u0142\u0119bi\u0107 si\u0119 w temat lub nawi\u0105za\u0107 bezpo\u015bredni kontakt z Joe, odwied\u017a jego stron\u0119 <a href=\"https:\/\/www.myoakleaf.com\/pl\/specjalista-ds-pozyczek\/joe-lagiglia\/\">strona bio tutaj<\/a> <\/span><\/i><i><span style=\"font-weight: 400;\">lub zadzwo\u0144 lub wy\u015blij SMS pod numer 630-936-3242 (NMLS #703971).<\/span><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2517,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2508","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why Mortgage Rates Are Rising Even as the Fed Cuts Rates: A Guide for Homebuyers | Oak Leaf Community Mortgage<\/title>\n<meta name=\"description\" content=\"Confused about rising mortgage rates while the Fed is cutting rates? 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