Nini Rirekhodi-phezulu Home Pamarayisi Meya Chlanya Iintshisekelo Rwadla Hikes
06/30/2022
Ingabe lena okokugcina “ imikhosi ” ?
Muva nje, imisindo enjengokuthi "ukuwa", "ukuqhuma kwe-bubble", "izintengo zezindlu zizokwehla" ziyaqhubeka nokuvela, okubangela ukwethuka okukhulu.
Ngakho siyini isimo sangempela semakethe yezindlu?Ukuthi “umkhosi” wokugcina ususondele?Ake sibheke idatha ethile.
Idatha evela ku: Redfin.com
Ekupheleni kukaMeyi, bekunezindlu ezingadayiswanga eziyizigidi eziyi-1.48 ohlwini lwempahla, elilingana nenani lenyanga eyodwa elithengisiwe, futhi imakethe yezindlu “iseshoda”.
Yize ukwakhiwa kwezindlu bekubuthakathaka kunalokho obekulindelekile ngoMeyi, kwehle ngamaphesenti ayi-14.4 kuya kumayunithi angama-154,900, okuyijubane elihamba kancane lokuqala kusukela ngo-Ephreli 2021, ngokusho kwedatha evela kuCensus Bureau ngoMeyi 16.
Idatha evela ku: Freddie Mac
Ngaphandle kwalokho, manje sekunamaphesenti angu-18 ngaphezulu kwabantu abaneminyaka engu-25 kuya ku-34 ubudala ezweni lonke kunango-2006, okusho ukuthi bayizigidi ezingu-6.6 ngaphezulu abangase bakwazi ukuthenga izindlu okokuqala.Kodwa-ke, lokhu kukhula kwenani labantu abangaba abanikazi bezindlu akufaniswa nezindlu ezintsha ezanele.
Lokhu kusikisela ukuthi isidingo esinamandla esivela kulabo abathenga izindlu okokuqala sizoqhubeka esikhathini esizayo esibonakalayo.
Yonke le datha engenhla iphakamisa ukuthi uhlu lwezindlu ezintsha nezikhona luhlala lusezingeni eliphansi uma kuqhathaniswa nenani lezindlu eziphelele, amanani ezikhala zezindlu asezingeni eliphansi emlandweni, kodwa isivinini sokwakhiwa kwezindlu siqala ukudlula kude izindlu, nokuthi ukuhlinzeka nokungalingani kwezidingo emakethe yezindlu kuzoqhubeka isikhathi eside.
Amandla e-Supply-side Dynamics asekela imakethe yezindlu, futhi ukushoda kwezindlu kuzosekela amanani entengo yezindlu, okwenza ukuphahlazeka kwemakethe yezindlu kungenzeki nhlobo.
I intshisekelo r uyadla ukukhuphuka, ngeke impahla emakethe kupholile ?
Njengoba izinga lenzalo lilokhu likhuphuka, amanani emali mboleko ayakhuphuka, akhuphuke ngamaphesenti angama-5.8 kusukela ngoLwesine (uFreddie Mac).
Ngemuva kokukhuphuka kwezinga, uPowell uphinde wathi esithangamini sabezindaba ukuthi njengoba izinga lenzalo likhuphuka, imakethe yamanje yezindlu nayo iyashintsha.
Kodwa-ke, ephendula isimo samanje sokuhlinzekwa kwemakethe yezindlu kanye nesidingo, u-Powell uthe ngisho namazinga enzalo akhuphukayo, amanani kungenzeka aqhubeke enyuka isikhathi esithile.
Ukukhuphuka kwamazinga emali ebolekwayo kubeke abathenga izindlu abaningi eceleni, okuholela ekwehleni kokuthengiswa kwezakhiwo.
Ukuthengiswa kwezindlu kwehle ngenyanga yesine ilandelana ngoMeyi, ngokusho kombiko okhishwe ngoLwesibili.Nakuba inani lamadili ezakhiwo liqhubeka nokwehla, amanani afinyelele phezulu.
Kepha le datha ngoMeyi ifaka phakathi amadili aqedwe ngaphambi kokukhuphuka kwamaphuzu angama-75 kule nyanga.Kulinganiselwa ukuthi inkontileka isayinwe ngoMashi noma ngo-Ephreli.
Lokhu kubonisa ukuthi umthelela wokukhuphuka kwamazinga emali ebolekwayo awuzange uboniswe ngokugcwele kudatha, ukuthengiswa kwezindlu kulindeleke ukuthi kwehle kakhulu ezinyangeni ezimbalwa ezizayo.
U-Powell uthe umsebenzi wethu uzosimamisa imakethe yezindlu endaweni entsha, ngokuhlinzekwa kwezindlu kanye nokutholakala kwezikweletu emazingeni afanele.
Ucwaningo lwe-Freddie Mac lulinganisela ukuthi kuwo wonke amaphoyinti angu-1 akhuphuka ezilinganisweni zenzalo, ukukhula kwentengo kuzohamba kancane ngamaphesenti angu-4 kuya kwangu-6 futhi ukuthengiswa kwezindlu kuzohamba kancane cishe ngamaphesenti angu-5.
Nakuba amanani enzalo esikhathi esifushane aphezulu enomthelela ekupholiseni kwemakethe yezindlu, ayazuza futhi ukulinganisa kabusha ukuhlinzekwa kwezindlu kanye nesidingo futhi kancane kancane azinzise imakethe “esimeni esisha”.
Inyanga ngeke icace kuze kuvuleke amafu
Imakethe yezindlu iyaphola ngempela, njengoba kufakazelwa ukwehla kwenani lamadili ezindlu kanye nephesenti lokunyuka kwamanani kanye nokwenyuka kwesikhathi sokuthi amakhaya amasha afakwe emakethe.
Ukulawulwa kwemakethe yezindlu nezindlu ngokwenyuka kwezinga lenzalo ye-Fed kungathiwa kushesha futhi kubaluleke kakhulu.
Kodwa uma sikhuluma nje, umthelela wokwenyuka kwezinga lenzalo emakethe yezindlu nezindlu ungahlukaniswa ube yimiphumela emibili: iqembu labathengi lizophuthuma ukuvala amadili ngaphambi kokuba izinga lenzalo likhuphuke kakhulu, okuholela ekwehlisweni kwempahla yezindlu emakethe.
Ngemuva kokuthi amanani enzalo aseqalile ukukhuphuka esigabeni sesibili, imakethe iyaphola njengoba abathengi abaningi bekhetha ukulinda futhi babone njengoba izindleko zokuboleka zikhula kanye nokungaqiniseki ngekusasa kukhula.
Kodwa-ke, ngokukhuphuka kwezimpahla kanye nokuncishiswa kwamabhidi, ukupholisa imakethe yezindlu kuyithuba elikhulu kubathengi abasha.
Idatha evela ku: Fannie Mae
Ngaphandle kwalokho, ngokwesibikezelo sikaFannie Mae, amanani emali ebolekiwe angase aguquguquke kancane eminyakeni emibili ezayo, kodwa azohlala cishe ku-5%.
Isikhathi sezilinganiso zenzalo ephansi sesifike ekugcineni, futhi kancane kancane imakethe izojwayela amanani "anempilo".
Igagasi elikhuphukayo liyophakamisa zonke izikebhe, kodwa lapho isikhukhula sincipha, kuba lula ukubamba “isikhathi esimnandi” sangempela ngokuphikisana nomoya.
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: Jun-30-2022