{"id":22922,"date":"2025-07-18T03:35:00","date_gmt":"2025-07-18T03:35:00","guid":{"rendered":"https:\/\/chicagodesavanja.us\/zasto-pad-kamata-posle-julske-sednice-fed-a-mozda-nece-pomoci-kupcima-stanova\/"},"modified":"2025-07-18T03:35:00","modified_gmt":"2025-07-18T03:35:00","slug":"zasto-pad-kamata-posle-julske-sednice-fed-a-mozda-nece-pomoci-kupcima-stanova","status":"publish","type":"post","link":"https:\/\/chicagodesavanja.us\/en\/vesti\/zasto-pad-kamata-posle-julske-sednice-fed-a-mozda-nece-pomoci-kupcima-stanova\/","title":{"rendered":"Za\u0161to pad kamata posle julske sednice Fed-a mo\u017eda ne\u0107e pomo\u0107i kupcima stanova"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Dok se pribli\u017eava julska sednica Federalnih rezervi (Fed), mnogi koji planiraju da kupe ili refinansiraju nekretninu pitaju se da li \u0107e do\u0107i do pada hipotekarnih kamata. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Me\u0111utim, stru\u010dnjaci upozoravaju: \u010dak i ako Fed smanji kamate, to ne\u0107e automatski doneti veliko olak\u0161anje za kupce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prema Steven-u Glick-u iz kompanije HomeAbroad, hipotekarne kamate se vi\u0161e oslanjaju na prinos desetogodi\u0161njih dr\u017eavnih obveznica nego na direktne odluke Fed-a. \u010cak i potencijalno smanjenje od 25 baznih poena verovatno bi dovelo do tek neznatnog pada \u2014 sa trenutnih 6,85% na oko 6,7%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Inflacija, koja je u junu iznosila 2,7%, i dalje zadaje glavobolju. Dokle god se ne stabilizuje na nivou bli\u017eem 2% kroz vi\u0161e meseci, velike promene su malo verovatne. Osim toga, tr\u017ei\u0161te rada bi moralo da poka\u017ee znake slabljenja kako bi Fed bio podstaknut na zna\u010dajnije smanjenje kamate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeff Gennarelli iz Mutual of Omaha Mortgage upozorava da mnogi \u010dekaju ni\u017ee kamate, dok im u me\u0111uvremenu cene nekretnina izmi\u010du. Njegov savet je da se ku\u0107a kupi kada odgovara potrebama, a da se refinansiranje ostavi za kasnije ako do\u0111e do povoljnijih uslova.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stru\u010dnjaci isti\u010du tri klju\u010dna razloga za\u0161to treba krenuti u kupovinu ve\u0107 sada: cene mogu porasti ako kamate padnu, priprema za odobrenje kredita traje danima ili nedeljama, a broj dostupnih nekretnina mo\u017ee se brzo smanjiti kada poraste potra\u017enja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cak i ako Fed signalizira sni\u017eenje kamata, pravi dobitnici bi\u0107e oni koji su spremni da deluju odmah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:10px\">SOURCE: <a href=\"https:\/\/www.cbsnews.com\/news\/will-mortgage-rates-fall-after-july-fed-meeting-what-experts-expect\/\" target=\"_blank\" rel=\"noreferrer noopener\">CBS NEWS<\/a><a href=\"https:\/\/aktuelnosti.us\/\" target=\"_blank\" rel=\"noopener\">,<\/a> PHOTO: PIXABAY<\/p>","protected":false},"excerpt":{"rendered":"<p>Dok se pribli\u017eava julska sednica Federalnih rezervi (Fed), mnogi koji planiraju da kupe ili refinansiraju nekretninu pitaju se da li \u0107e do\u0107i do pada hipotekarnih kamata. Me\u0111utim, stru\u010dnjaci upozoravaju: \u010dak i ako Fed smanji kamate, to ne\u0107e automatski doneti veliko olak\u0161anje za kupce. Prema Steven-u Glick-u iz kompanije HomeAbroad, hipotekarne kamate se vi\u0161e oslanjaju na [&hellip;]<\/p>\n","protected":false},"author":5123,"featured_media":16346,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"wpai_generated_summary":"","footnotes":""},"categories":[368,369],"tags":[25266,14048,19638,1810,26228,10091,24820,26229,26230,7152,19640,19641,26231,9812],"class_list":["post-22922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vesti-amerika","category-vesti","tag-fed-jul-2025","tag-federalne-rezerve","tag-hipotekarne-kamate","tag-inflacija-sad","tag-jeff-gennarelli","tag-kupovina-kuce","tag-kupovina-stana","tag-mortgage-loan","tag-mutual-of-omaha-mortgage","tag-nekretnine-sad","tag-pad-kamata","tag-refinansiranje","tag-steven-glick","tag-trziste-nekretnina"],"_links":{"self":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/22922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/users\/5123"}],"replies":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/comments?post=22922"}],"version-history":[{"count":0,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/22922\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media\/16346"}],"wp:attachment":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media?parent=22922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/categories?post=22922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/tags?post=22922"}],"curies":[{"name":"WP","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}