[I-Outlook ka-2023] Isikhathi sebhamuza lezindlu ezithengiswayo sesiphelile, amanani enzalo aphakeme futhi imakethe yezindlu nezindlu iqala ukusimama engxenyeni yesibili yonyaka!
12/19/2022
U-Powell: ukuphela kwebhamuza lezindlu
Ngo-2005, owayenguSihlalo weFederal Reserve u-Alan Greenspan watshela iCongress ukuthi, "Akunakwenzeka ukuba nebhamuza lezindlu e-United States."
Iqiniso liwukuthi, nokho, ibhamuza lezindlu lalivele likhona futhi lalisondela ekuphakameni lapho uGreenspan eletha lowo mlayezo.
Ngokushesha sibheke phambili esikhathini samanje sika-2022, futhi njengoba besisathuswa yibhamuza lokugcina lezindlu, kulokhu osomnotho abesabi ukuvuma ukuba khona kwayo.
NgoNovemba 30, usomnotho onethonya elikhulu emhlabeni, uSihlalo weFederal Reserve uJerome Powell, uvumile ukuba khona kwebhamuza lezindlu emcimbini, wathi ukwenyuka kwamanani ezindlu e-US phakathi nalolu bhubhane kuhlangabezana nencazelo “yebhamuza lezindlu.”
“Ngesikhathi sodlame, abantu babefuna ukuthenga izindlu baphume edolobheni baye ezindaweni ezingaphansi kwedolobha ngenxa yamanani entengo yezindlu ephansi kakhulu, futhi ngaleso sikhathi, amanani ezindlu akhuphuka afinyelela emazingeni angafaneleki, ngakho empeleni kwakunebhamuza lezindlu e-United States. .”
NgoSeptemba, uPowell wathi: i-United States ingene ngokusemthethweni "esikhathini sokulungiswa okunzima" emakethe yezindlu, bazobuyisela "ibhalansi" phakathi kokuhlinzekwa nokufunwa emakethe.
Futhi manje ukuthi i-bubble ye-real estate isiphelile, inqubo "yokulinganisa kabusha" imakethe isiqalile.
I-Outlook yemakethe yezindlu ngo-2023
Ngo-2022, ukwehla kwamandla emali okuhlanyayo kugqugquzele ukuzimisela kwe-Fed ukwehlisa ukwehla kwamandla emali.
Ngokukhuphuka kwamanani entengo eyodwa ngemva kokunye, amanani emali ebolekiwe akhuphuke ngesivinini esingakaze sibonwe, enyuka esuka ku-1% ekuqaleni konyaka aya ku-7%.
Intengo yekhaya elimaphakathi kazwelonke nayo ibilokhu yehla kancane kancane kusukela engxenyeni yesibili yonyaka futhi yaba ngaphansi ngo-7.9% kusukela ekuphakameni kwayo ekupheleni kukaNovemba 2022.
(Intengo yohlu emaphakathi yase-US, Januwari-Novemba 2022; umthombo: I-Realtor)
Esikhathini esingaphansi kwenyanga, sisondela “enkathini” ka-2022 kanye “nezimpawu zemibuzo” ezithile zika-2023: Ingabe izintengo zasekhaya zase-US zizoqhubeka nokwehla ngo-2023?Imakethe yezindlu izojika nini?
Ngokwesibikezelo se-Zillow ne-Realtor, intengo yekhaya emaphakathi kulo lonke elase-US izoqhubeka nokukhuphuka ezinyangeni eziyi-12 ezizayo.
Eqinisweni, osomnotho abaningi bezindlu ezithengiswayo babikezela ukuthi izintengo zezindlu ezithengiswayo ngeke zehle kakhulu ngo-2023, kodwa zizoqhubeka zikhuphuka kancane futhi kancane.
Ngokwehla kwamandla emali aphezulu, amanani emali ebolekiwe aphezulu, kanye nokuncipha kokuthengiselana kwezindlu ezithengiswayo, kungani iningi liphikisa ngokuthi izintengo zezindlu ngeke zehle ngo-2023?
Empeleni, ukwahlulela okuyinhloko kusekelwe eqinisweni lokuthi i-inventory emakethe yezindlu yase-US ayikanele futhi i-inventory yezindlu ezithengiswayo iphansi kakhulu, okuzosiza ukugcina amanani ezindlu ezinzile.
UPowell naye ukuvumile lokhu enkulumeni yakhe yangesonto eledlule – “Akukho kulokhu (ukulungiswa kwezindlu) okuzodala izinkinga ezizoba nomthelela wesikhathi eside, isibalo sezindlu ezisakhiwayo kuzoba nzima ukuhlangabezana nezidingo zomphakathi, kanti nokushoda kwezindlu kuyavela. kungenzeka ukuthi iqhubeke isikhathi eside.”
(Izibikezelo zakamuva zezingxenye zemakethe yemizi engu-322; umthombo: Fortune)
Nakuba "izindlu eziqine kakhulu" zizomisa ukwehla kwamanani ezindlu, ukuthuthukiswa okuhlukile kwemakethe yezindlu kungase kuholele esimweni lapho amanani ezindlu enyuka kwezinye izindawo futhi amanani ezindlu ehla kwezinye izindawo.“
Ikakhulukazi, izimakethe “ezazibaluleke kakhulu” ngesikhathi sodlame zingabona ukwehla kwamanani entengo.
Izinga lenzalo liyakhuphuka, izophenduka nini imakethe yezindlu?
Kusukela ngoDisemba 8, izinga lenzalo yemali ebolekiwe yeminyaka engu-30 lehlile lisuka phezulu ngonyaka ka-7.08% laya ku-6.33%, ngemva kokwehla kakhulu amasonto amane elandelana.
Umthombo: Freddie Mac
U-Lisa, isazi sezomnotho esiyinhloko kwa-Bright MLS, uthe, "Lokhu kusikisela ukuthi kungenzeka ukuthi amanani emalimboleko enyuke kakhulu."Kodwa uphinde waxwayisa ngokuthi amanani enzalo asazoqhubeka nokuguquguquka ngenxa yokungaqiniseki komnotho.
Ochwepheshe abaningi, nokho, bakholelwa ukuthi amanani emali mboleko azoguquguquka kodwa ahlale ebangeni elingu-7% futhi angaphinde aphule amanani angaphambilini.
Ngamanye amazwi, amanani emali ebolekiwe aphakeme kakhulu!Ngakho-ke imakethe yezindlu evilaphayo izoshintsha nini?
Okwamanje, amanani enzalo aphezulu kanye nokunikezwa okuqinile cishe kuzoqhubeka kubambezela abangase bathenge izindlu, futhi isidingo esibuthakathaka singaholela ekwehleni kancane kwezintengo zezindlu.
Engxenyeni yesibili ka-2023, nokho, imakethe yezindlu ezithengiswayo ingabona ukukhuphuka kabusha njengoba izinga lenzalo likhuphuka kuphelelwa yisikhathi, amanani emali ebolekiwe ehla, kanye nokuzethemba komthengi wezindlu okungenzeka kubuya kancane kancane.
Ngamafuphi, "ukwenyuka kwezinga lenzalo ye-Fed" kungenye yezinto ezibalulekile eziphazamisa ukuthambekela kwemakethe yezindlu.
Lapho ukwehla kwamandla emali kuphakama, i-Fed izonciphisa izinga layo lokukhuphuka ngokufanele, futhi amanani emali mboleko azokwehla kancane kancane, okuzoba nomthelela omuhle ekubuyiseleni ukuzethemba kanye nomdlandla wabatshalizimali emakethe yezindlu.
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: Dec-20-2022