{"id":1333,"date":"2019-11-04T00:00:00","date_gmt":"2019-11-04T00:00:00","guid":{"rendered":"https:\/\/site.cmdsonline.com\/advisorsmortgage\/uncategorized\/advisors-30-second-update-week-of-november-4th-2019\/"},"modified":"2019-11-04T00:00:00","modified_gmt":"2019-11-04T00:00:00","slug":"advisors-30-second-update-week-of-november-4th-2019","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/advisors-30-second-update-week-of-november-4th-2019\/","title":{"rendered":"Actualizaci\u00f3n de 30 segundos: La Reserva Federal recorta las tasas de inter\u00e9s: \u00a1C\u00f3mo le afecta!"},"content":{"rendered":"<p>El 30 de octubre, el Comit\u00e9 Federal de Mercado Abierto redujo su tasa de fondos de referencia en 25 puntos b\u00e1sicos a un rango de 1.5% - 1.75%, que est\u00e1 por debajo de 1.75% - 2.0%. Este fue el tercer recorte este a\u00f1o por parte de la Fed. El presidente de la Fed, Jerome Powell, declar\u00f3: &quot;El comit\u00e9 continuar\u00e1 monitoreando las implicaciones de la informaci\u00f3n entrante para las perspectivas econ\u00f3micas mientras eval\u00faa el camino apropiado del rango objetivo para la tasa de fondos federales&quot;.<\/p>\n<p>Echemos un vistazo m\u00e1s de cerca a la tasa de fondos federales. Esta tasa es la tasa que los bancos cobran entre s\u00ed por los pr\u00e9stamos a un d\u00eda y est\u00e1 vinculada a la mayor\u00eda de las formas de deuda de consumo renovable, como tarjetas de cr\u00e9dito, l\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria, pr\u00e9stamos para autom\u00f3viles y m\u00e1s. Un error com\u00fan es que esta tasa est\u00e1 directamente relacionada con las tasas hipotecarias. Cuando la Fed afloja su pol\u00edtica y recorta las tasas, esto es para estimular o encender la actividad econ\u00f3mica y tambi\u00e9n puede provocar algo de inflaci\u00f3n. Las tasas hipotecarias aumentan cuando hay un pico en la inflaci\u00f3n. Esta es la raz\u00f3n por la que debemos vigilar la tasa de la Reserva Federal, porque a veces puede hacer subir las tasas de inter\u00e9s a m\u00e1s largo plazo.\u00a0<\/p>\n<p>Sin embargo, luego del recorte de tasas del 30 de octubre, la Fed hizo varios comentarios explicando que actualmente hay niveles m\u00e1s bajos de inflaci\u00f3n. Debido a estos comentarios, el precio del mercado de bonos mejor\u00f3, lo que ayud\u00f3 a mantener bajas las tasas hipotecarias. Adem\u00e1s de todo esto, sali\u00f3 el informe de Consumos y Gastos Personales (PCE), que informa sobre los niveles nacionales de inflaci\u00f3n, apuntando tambi\u00e9n a niveles bajos de inflaci\u00f3n.\u00a0<\/p>\n<p>Cuando la inflaci\u00f3n es plana o decreciente, las tasas hipotecarias tienden a seguir su ejemplo. Esta es una gran noticia para quienes est\u00e1n comprando una casa o buscando refinanciar.\u00a0<\/p>\n<p>Estamos felices de ayudar\u201d Ll\u00e1menos al 855-LOANS-USA o vis\u00edtenos en AdvisorsMortgage.com<\/p>\n<p>Fuentes:<\/p>\n<p>https:\/\/cnb.cx\/2JFX1dY<\/p>\n<p>https:\/\/cnb.cx\/33iNMry<\/p>","protected":false},"excerpt":{"rendered":"El 30 de octubre, el Comit\u00e9 Federal de Mercado Abierto redujo su tasa de fondos de referencia en 25 puntos b\u00e1sicos a un rango de 1.5% - 1.75%, que est\u00e1 por debajo de 1.75% - <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11],"tags":[12],"class_list":["post-1333","post","type-post","status-publish","format-standard","hentry","category-advisors-family","tag-30-second-update"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>30 second update:\u00a0 Fed Cuts Interest Rates: How It Affects You! 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