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06/30/2022
Ngaba le yokugqibela “ icarnival ” ?
Kungekudala, izandi ezinjengokuthi "ukuwa", "ukuqhuma kwe-bubble", "amaxabiso ezindlu aya kuhla" aqhubeka ebonakala, ebangela ukuba kubekho ukwesaba okukhulu.
Ngoko yintoni imeko yokwenyani yemarike yezindlu?Ingaba "i-carnival" yokugqibela isondele?Makhe sijonge idatha ethile.
Idatha evela: Redfin.com
Ekupheleni kukaMeyi, bekukho amakhaya angama-1.48 ezigidi angathengiswanga kuluhlu lweempahla, ezilingana nexabiso lenyanga enye yokuthengisa, kwaye imakethi yezindlu “isekubonelelo olufutshane”.
Ngelixa ukwakhiwa kwezindlu kubuthathaka kunokuba bekulindelwe ngoMeyi, zehla nge-14.4 yeepesenti ukuya kwi-154,900 yeeyunithi, esona santya sicothayo sokuqala ukusukela ngo-Epreli ka-2021, ngokwedatha evela kwi-Census Bureau nge-16 kaMeyi.
Idatha evela: Freddie Mac
Ngaphandle koko, ngoku kukho i-18 lepesenti ngaphezulu kwabantu abaneminyaka engama-25 ukuya kuma-34 ubudala kwilizwe lonke kunango-2006, nto leyo ethetha ukuba kukho abantu abazizigidi ezi-6.6 abangakumbi abanokuthenga amakhaya okokuqala.Nangona kunjalo, oku kukhula kwamanani abantu abanokuba ngabanini-zindlu akuhambelani nezindlu ezintsha ezaneleyo.
Oku kuphakamisa ukuba imfuno enamandla evela kubathengi bokuqala baya kuqhubeka kwixesha elizayo elibonakalayo.
Yonke le datha ingentla icebisa ukuba uluhlu lwempahla yamakhaya amatsha nasele ekhona luhlala lukwindawo ephantsi xa kuthelekiswa nestokhwe sezindlu zizonke, amaxabiso ezithuba zezindlu akwimbali ephantsi, kodwa isantya sokwakhiwa kwezindlu siqala kude kakhulu, kwaye ukubonelela kunye nokungalingani kwemfuno kwimarike yezindlu kuya kuqhubeka ixesha elide.
I-Supply-side dynamics ixhasa imakethi yezindlu, kwaye ukunqongophala kwezindlu kuya kuxhasa amaxabiso asekhaya, okwenza ukuba ukuwohloka kwemarike yezindlu kungenzeki.
I umdla r watya isantya, siya imarike yepropati kuhle ?
Njengoko ukunyuka kwenzala kuqhubeka nokunyuka, amaxabiso emali-mboleko ayenyuka, enyuka ngeepesenti ze-5.8 ukususela ngoLwesine (uFreddie Mac).
Emva kokunyuka kwezinga, uPowell naye wathi kwinkomfa yeendaba ukuba njengoko inzala inyuka, imarike yezindlu yangoku iyatshintsha.
Nangona kunjalo, ekuphenduleni imeko yangoku yobonelelo lwentengiso yezindlu kunye nemfuno, uPowell uthe nangona ukunyuka kwamaxabiso enzala, amaxabiso anokuthi aqhubeke enyuka kangangexesha elithile.
Ukunyuka kwamaxabiso e-mortgage kuye kwabeka abathengi abaninzi bezindlu ecaleni, okukhokelela ekunciphiseni ukuthengiswa kwepropathi.
Ukuthengiswa kwekhaya kwehlile kwinyanga yesine ilandelelana ngoMeyi, ngokwengxelo ekhutshwe ngoLwesibini.Nangona inani leentengiso zepropathi liqhubeka nokuhla, amaxabiso abethe phezulu.
Kodwa ezi datha ngoMeyi zibandakanya izivumelwano ezigqityiweyo ngaphambi kokunyuka kwamanqaku angama-75 kule nyanga.Kuqikelelwa ukuba isivumelwano sityikitywe ngoMatshi okanye ngoAprili.
Oku kubonisa ukuba impembelelo yokunyuka kwamaxabiso e-mortgage ayizange ibonakaliswe ngokupheleleyo kwidatha, ukuthengiswa kwekhaya kulindeleke ukuba kuwele ngakumbi kwiinyanga ezimbalwa ezizayo.
U-Powell uthe ngokufanelekileyo umsebenzi wethu uya kuzinzisa imarike yezindlu kwindawo entsha, kunye nokubonelela ngezindlu kunye nokufumaneka kwetyala kumanqanaba afanelekileyo.
Uphononongo lukaFreddie Mac luqikelela ukuba kuzo zonke iipesenti ze-1 zokunyuka kwamaxabiso enzala, ukukhula kwexabiso kuya kucotha nge-4 ukuya kwipesenti ye-6 yeepesenti kwaye ukuthengiswa kwekhaya kuya kucotha malunga neepesenti ze-5.
Ngelixa imilinganiselo yenzala yexesha elifutshane ephezulu inegalelo ekupholiseni kwemarike yezindlu, ikwaxhamla ukulungelelaniswa konikezelo lwezindlu kunye nemfuno kwaye ngokuthe ngcembe bazinzise imarike “kwindawo entsha”.
Inyanga ayisayi kucaca de kuvuleke amafu
Imarike yezindlu ngenene iyaphola, njengoko kungqinwa kukuhla kwenani lezivumelwano zezindlu kunye nepesenti yokunyuka kwamaxabiso kunye nokunyuka kwexesha lokuba amakhaya amatsha eze kwimarike.
Ukulawulwa kwemarike yendawo yokuhlala ngokunyuka kwexabiso lenzala ye-Fed kunokuthiwa ngokukhawuleza kwaye kubaluleke kakhulu.
Kodwa ngokuqhelekileyo, impembelelo yokunyuka kwamaxabiso enzala kwimarike yendawo yokuhlala inokwahlulwa ibe ziziphumo ezibini: iqela labathengi liza kungxamela ukuvala izivumelwano ngaphambi kokuba inzala inyuke ngakumbi, okukhokelela ekuncitshisweni koluhlu lwezindlu kwimarike.
Emva kokuba inzala sele iqalile ukunyuka kwisigaba sesibini, imarike iyaphola njengoko abathengi abaninzi bakhetha ukulinda kwaye babone njengoko iindleko zokuboleka zinyuka kunye nokungaqiniseki malunga nekamva elikhulayo.
Nangona kunjalo, ngoluhlu lweempahla olwandisiweyo kunye nokuncitshiswa kwebhidi, ukupholisa kwemarike yezindlu kulithuba elininzi kubathengi abatsha.
Idatha esuka ku: Fannie Mae
Ngaphandle koko, ngokoqikelelo lukaFannie Mae, amaxabiso emali ebolekiweyo anokuthi atshintshe kancinci kule minyaka mibini izayo, kodwa aya kuhlala ekwi-5%.
Ixesha lenzala ephantsi lifikelele esiphelweni, kwaye imarike iya kuqhela ngokuthe ngcembe kumazinga "asempilweni".
Ukunyuka kwamaza kuya kuphakamisa zonke izikhephe, kodwa xa umkhukula uphela, kulula ukubamba "ixesha elilungileyo" ngokuchasana nomsinga.
Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.
Ixesha lokuposa: Jun-30-2022