{"id":3655,"date":"2022-06-27T08:42:20","date_gmt":"2022-06-27T12:42:20","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=3655"},"modified":"2022-06-27T08:42:20","modified_gmt":"2022-06-27T12:42:20","slug":"what-does-it-mean-when-the-fed-hikes-rates","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/what-does-it-mean-when-the-fed-hikes-rates\/","title":{"rendered":"\u00bfQu\u00e9 significa cuando la Fed sube las tasas?"},"content":{"rendered":"<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-3655-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-June-27-weekly-update-06262022.mp3?_=1\" \/><a href=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-June-27-weekly-update-06262022.mp3\">https:\/\/advisorsmortgage.com\/wp-content\/uploads\/Advisors-June-27-weekly-update-06262022.mp3<\/a><\/audio>\nSi nos remontamos a finales de la d\u00e9cada de 1970 y principios de la de 1980, Arthur Burns era el presidente de la Fed. Durante ese tiempo la inflaci\u00f3n subi\u00f3 de 7% a 14%. Como resultado, las tasas hipotecarias pasaron de 12% a 18% porque cuando la inflaci\u00f3n sube, tambi\u00e9n lo hacen las tasas hipotecarias. Luego, entr\u00f3 nuestro pr\u00f3ximo presidente de la Fed, Paul Volcker, y elev\u00f3 la tasa de fondos de la Fed desde el 11% ya existente hasta el 20% en 2 a\u00f1os. Esto desaceler\u00f3 la econom\u00eda lo suficiente como para que la inflaci\u00f3n cayera de 14% a 5%, lo que hizo que las tasas hipotecarias bajaran de 18% a 12%. Entonces, entendamos esto. La tasa de fondos federales subi\u00f3, la inflaci\u00f3n disminuy\u00f3 debido a una econom\u00eda m\u00e1s lenta y las tasas hipotecarias bajaron debido a esto. Ahora, hubo una consecuencia debido a estas acciones. Parece que cada vez que la Fed intenta frenar la econom\u00eda aumentando las tasas, tenemos una recesi\u00f3n. El mercado de valores suele caer tambi\u00e9n.<\/p>\n<p>Bajo el presidente de la Fed, Alan Greenspan (finales de la d\u00e9cada de 1980 hasta principios de la de 2000), tambi\u00e9n vimos un aumento de la inflaci\u00f3n de 1.75% a 3.5%. Esto llev\u00f3 las tasas hipotecarias de 7% a 8.5%. Greenspan luego aument\u00f3 la tasa de fondos federales de 4.75% a 6.5% dentro de un a\u00f1o. Lo adivin\u00f3, debido a esto, la inflaci\u00f3n cay\u00f3 de 3.5% a 1%, lo que provoc\u00f3 que las tasas hipotecarias respondieran cayendo de 8.5% a 5.5%. En consecuencia, esto tambi\u00e9n nos dio otra recesi\u00f3n.<br \/>\nNuestro actual presidente de la Fed, Jerome Powell, ha visto pasar la inflaci\u00f3n de 1.5% a 8.5%. Las tasas hipotecarias pasaron de 2.5% a 5%. Actualmente, la tasa de fondos federales se ubica alrededor de 1.75%. Existe la posibilidad de que la Reserva Federal aumente la tasa de fondos federales a 3% en 2022. La inflaci\u00f3n deber\u00eda caer a\u00fan m\u00e1s y las tasas hipotecarias deber\u00edan disminuir a medida que baja la inflaci\u00f3n.  <\/p>\n<p>Aqu\u00ed se observa un patr\u00f3n y es probable que veamos otra recesi\u00f3n a fines de 2022 o principios de 2023. La inflaci\u00f3n es el archienemigo de los bonos hipotecarios. Por lo general, cuando aumenta la inflaci\u00f3n, los bonos hipotecarios bajan de precio, lo que resulta en tasas hipotecarias m\u00e1s altas. Cuando la inflaci\u00f3n disminuye, los bonos hipotecarios aumentan de precio, lo que resulta en tasas hipotecarias m\u00e1s bajas. En \u00faltima instancia, cuando la Fed aumenta la tasa de fondos federales, el mercado de bonos lo ve como una mejora de las tasas hipotecarias y deflacionarias.  <\/p>\n<p>Fuente: <a href=\"http:\/\/www.mbshighway.com\">www.mbshighway.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"Si nos remontamos a finales de la d\u00e9cada de 1970 y principios de la de 1980, Arthur Burns era el presidente de la Fed. Durante ese tiempo la inflaci\u00f3n subi\u00f3 de 7% a 14%. <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[12,240,237,238,46,239,167],"class_list":["post-3655","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-deflationary","tag-fed-rates","tag-greenspan","tag-inflation","tag-mortgage-bonds","tag-powell"],"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>What Does It Mean When The Fed Hikes Rates? - Advisors Mortgage Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/what-does-it-mean-when-the-fed-hikes-rates\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Does It Mean When The Fed Hikes Rates?\" \/>\n<meta property=\"og:description\" content=\"If we go all the way back to the late 1970s and early 1980s Arthur Burns was the Fed Chair. 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