Ukushintsha Kwegeyimu: Ukwehla kwe-Home amanani
07/28/2022
Muva nje, omunye wabangane bami u-James, oyi-Realtor, wabelane ngendaba futhi wakhala ngokuthi umsebenzi wezindlu ezithengiswayo ushintsha imithetho yegeyimu.
UJames, njenge-ejenti yohlu, wayechithe amasonto futhi ekugcineni wasiza ikhasimende lakhe ukuthi lithengise indawo ngenani eliphelele lokuthengisa u-$1,500,000.Izigaba zokuqala zezinto bezihamba kahle kakhulu kwaze kwaba yisonto eledlule.UJames waba nomuzwa wokuthi umthengi wayengafuni ngandlela thize ukubambisana nalokhu kuthengiselana futhi wezwa ngomvini ukuthi umthengi angathanda ukukhansela isivumelwano ngenxa nje yokuthi kwakunokuqhekeka okuvundlile odongeni lwesisekelo segaraji.Ezinsukwini ezimbalwa kamuva, ukuthengiselana kwakhanselwa umthengi, okusho ukuthi yonke imizamo eyenziwa uJames yaba yize.
UJames uveze ukuthi kuzoba nezipesheli eziningi zabathengi bendlu efakwe ohlwini lapho imakethe yezindlu nemizi ibisebenza kakhulu ngonyaka odlule.Kunjalo, kusukela kuleso sikhathi se-boom, iphethini yemakethe yomthengi iqhubeka igqama, intengo yendlu yohlu iyaqhubeka nokwehla.Manje izindlu ezithengiswayo ziyashintsha ukusuka emakethe yomthengisi ukuya emakethe yomthengi.
Ingabe amanani ezindlu ehlile ngempela?
Isidingo sendlu kanye nokuthengwa kwezindlu kuye kwathumela amanani entengo akhuphuka ngo-34.4% ezweni lonke eminyakeni emibili eyedlule, nezindawo eziningi zemakethe yezindlu "Ukushisa ngokweqile".
Ngokusekelwe "kumbono we-pendulum", uma umkhuba wemakethe yezindlu ufinyelela esiphezulu, kufanele ubuyele emuva kokuphambene.Ukushintsha kusuka kokunye kuya kokunye.
Ngokusekelwe ku-Redfin, isidingo sezindlu siyakhula kusukela engxenyeni yokuqala yonyaka siphansi kakhulu.Futhi imakethe yezindlu ezithengiswayo ingena enkathini entsha noma ngamanye amazwi, Inkathi Yokuwohloka Okukhulu.
Ngemuva kokukhuphuka kwamanani e-Federal Reserve okwaqala ngoMashi, 2022, amanani emali mboleko akhuphuke ngaphezu kwama-5% futhi akhuphuka cishe ngamaphuzu angama-300 ngesigamu sonyaka.Lokho kuholela ekutheni abantu abaningi bakhathazeke ngokuthi ingabe izintengo zezindlu zizokwehla ngempela ngemuva kokwenyuka kwezinga lenzalo?
Emavikini angu-4 okuqala kaJulayi 10, 2022, intengo yokuthengiswa kwezindlu zaseMedian yehle ngo-0.7% isuka eqophelweni eliphezulu ngoJuni, ngokuya ngedethi yakamuva evela kuwebhusayithi yeReal Estate Redfin.
Lokho kusho ukuthi imakethe isihlehlile, imakethe yezindlu enenzuzo iya ngokuya iba pholile, ukwehla kwamandla emali kanye namazinga aphezulu e-mortgage athatha kancane kubhajethi yomthengi wezindlu, amanani aseqala ukwehla ukusuka ekuphakameni okungokomlando.
Ini ' kwenzekani emakethe yezindlu?
Ngasohlangothini lokusungula izindlu, izindlu ezisebenzayo zikhuphuke ngo-1.3% uma ziqhathaniswa nenyanga edlule, lokhu ukwanda okukhulu kusukela ngo-Agasti 2019.
Umthombo:https://www.redfin.com/news/housing-market-update-prices-fall-inventory-climbs/
Ukushoda Kokunikezwayo kuye kwathuthuka ngokufakwa kuhlu okwengeziwe, okuza nemincintiswano emincane kanye nengcindezi ephansi ekhuphukayo ezintengweni zabathengi.
Ngenxa yokungaqiniseki kwemakethe yezindlu, isimo sokulinda sabathengi sinamandla kunangaphambili futhi sizimisele ukunaka kakhulu imakethe.Yebo, kunabathengi abaningi abakhansele ukuthengiselana ngenxa yezizathu zabo, okungase kuholele indlu emuva emakethe futhi.
Abathengi manje banezikhala eziningi abangakhetha kuzo ngenxa yomthamo omkhulu wohlu lwezimpahla.
Mayelana nentengo yokudayiswa kwezindlu, inani lezindlu ezidayisiwe lehle lafika ku-101.6%, lehle ngo-1% kusukela ngoMashi 2022. Okusho ukuthi, kulula kubathengi ukuthola indlu yamaphupho nge-avareji ye-mark- inyuke ngo-1.6% ngokusekelwe enanini yokuthengisa.
Umthombo:https://www.redfin.com/news/housing-market-update-prices-fall-inventory-climbs/
Izindlu eziningi ezivuliwe emakethe azisenalo uhlu lokulinda njengakudala, ukufakwa ohlwini akuvamile ukuthola okunikezwayo okuningi njengakuqala.Amaphethini emakethe yomthengi asesunguliwe, futhi abathengi abazimisele ukukhokha ngaphezulu ukuze bathole izindlu ezifanele.
Intengo yamanje yokufakwa kuhlu ngokuyisisekelo iyafana nenani lemakethe, elivame izindleko zesabelomali sabathengisi, futhi ngisho nabanye abathengisi bamukela ukunikezwa kwekhawunta ngenani eliphansi ngaphakathi kwebanga elifanelekile.
Ngakho-ke abathengisi baba “nokuxoxisana kakhulu”, abathengi banezindawo eziningi zokuxoxisana futhi izinga lokubhida ukuthenga indlu lehla kakhulu.
Siya kuphi emakethe yamanje yezindlu nezindlu?
Ngokuvamile, izindlu ezisezingeni eliphezulu zisemakethe yamanje yezindlu nezindlu kuyilapho abanye abangaba abathengi bezimisele ukungena emakethe ngalesi sikhathi.Uma labo abangaba abathengi sebejoyine igeyimu, bazoba nokukhetha okwengeziwe namalungelo anamandla enkulumo.
"Ukujwayela okunempilo" kwemakethe yezindlu kunikeze abathengi isikhathi esengeziwe sokuthola amakhaya afanelekile nokwenza izinhlinzeko.Kukhona nezinye izimakethe eziningi esezipholile kakade.
Kubathengi abangase babe, nakuba izinga lenzalo liphakeme kunonyaka odlule, ukulungisa isu lokunikezwayo kuyindlela ehlukile yokonga imali eningi ngokusekelwe esimweni samanje semakethe.
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: Jul-29-2022