Kuchinja-Mutambo: Kuderera muHome mitengo
07/28/2022
Munguva ichangopfuura, mumwe weshamwari dzangu James, uyo ari Realtor, akagovera nyaya uye akanyunyuta kuti basa reimba yeimba iri kuchinja mitemo yemutambo.
James, semumiriri wezita, akange apedza mavhiki uye pakupedzisira akabatsira mutengi wake kutengesa nzvimbo yacho nemutengo wakakwana wekutengesa $1,500,000.Matanho ekutanga ezvinhu aifamba zvakanaka kusvika svondo rapfuura.James akanzwa kuti mutengi akanga asingadi kubatira pamwe nekutengeserana uye akanzwa nemuzambiringa kuti mutengi aizoda kukanzura chibvumirano nekuda kwekuti pakanga paine kutsemuka kwakatsetseka pamadziro egarage.Mushure memazuva mashoma, kutengeserana kwakamiswa nemutengi, zvichireva kuti kuedza kwese kwaive kwaitwa naJames hakuna.
James akataura kuti kuchave neakawanda mutengi counter inopihwa yeimba yekunyora apo musika wezvivakwa wakashanda zvakanyanya gore rapfuura.Ehe, kubva panguva iyoyo yekuwedzera, maitiro emusika wemutengi anowedzera kuoneka, mutengo weimba unoramba uchidonha.Ikozvino zvivakwa zvinoshanduka kubva pamusika wemutengesi kuenda kumusika wevatengi.
Mitengo yemba yadonha zvechokwadi here?
Kudiwa kweimba uye kutenga boom kwakatumira mitengo yemba ichikwira 34.4% munyika yose mumakore maviri apfuura, nenzvimbo dzakawanda dzemusika weimba "Overheating".
Kubva pa "pendulum theory", kana imwe nzvimbo yemusika wekutengesa inosvika pakukwirira kwayo, inofanira kudzokera kune imwe nzira inopesana.Kutenderera kubva kune imwe yakanyanyisa kuenda kune imwe.
Zvichienderana neRedfin, iyo inodiwa yedzimba inowedzera kubvira hafu yekutanga yegore iri pasi pekudzikira kwakanyanya.Uye iyo real estate market iri kupinda munguva itsva kana nemamwe mazwi, Great Deceleration Period.
Mukumuka kweFederal Reserve's frenzy yekukwira kwemitengo yakatanga munaKurume, 2022, mitengo yembavha yakakwira nepamusoro pe5% uye yakakwira ingangoita mazana matatu mapoinzi muhafu yegore.Izvi zvinotungamira vanhu vazhinji vane hanya kuti mitengo yedzimba ichadonha chaizvo mushure mekunge mari dzemubereko dzakwira?
Mumavhiki mana ekutanga aChikunguru 10, 2022, mutengo wekutengesa zvivakwa weMedhia wakadonha 0.7% kubva parekodhi yepamusoro muna Chikumi, zvinoenderana nemusi wazvino kubva kuReal Estate Webhusaiti Redfin.
Izvi zvinoreva kuti musika wadzokera kumashure, musika unobhadhara wezvivakwa wave kutonhora, inflation uye mitengo yakakwira yemortgage iri kutora zvishoma kubva kumabhajeti evatengi vemba, mitengo yave kutanga kudonha kubva munhoroondo yakakwirira.
Chii ' zviri kuitika mumusika wezvivakwa?
Padivi rekutengesa zvivakwa, dzimba dzinoshanda dzakasimuka dzakakwira 1.3% zvichienzaniswa nemwedzi wapfuura, uku ndiko kuwedzera kukuru kubva Nyamavhuvhu 2019.
Kwakabva:https://www.redfin.com/news/housing-market-update-prices-fall-inventory-climbs/
Kushomeka kweSupply kwave nani nekuwanda kwezvinyorwa, zvichiuya nemakwikwi mashoma uye kushomeka kwepamusoro pamitengo yevatengi.
Nekuda kwekusava nechokwadi kwemusika wezvivakwa, vatengi vakamirira-uye-kuona mamiriro ekunze akasimba kupfuura kare uye anoda kubhadhara zvakanyanya kumusika.Ehe, kune vatengi vazhinji vakadzima kutengeserana nekuda kwezvikonzero zvavo, izvo zvinogona kutungamira imba kudzokera kumusika zvakare.
Vatengi ikozvino vane nzvimbo dzakawanda dzekusarudza kubva nekuda kwehuwandu hwehuwandu hwezvigadzirwa.
Panyaya yemutengo wekutengesa dzimba, kucherechedzwa kwedzimba dzakatengeswa kwadzikira kusvika pa101.6%, iyo yakadzikira 1% kubva munaKurume 2022. Kureva kuti, zviri nyore kune vatengi kuwana imba yekurota ine avhareji mamaki- kumusoro kwe1.6% zvichienderana nemutengo wekutengesa.
Kwakabva:https://www.redfin.com/news/housing-market-update-prices-fall-inventory-climbs/
Dzimba zhinji dzakavhurika pamusika hadzisisina runyoro rwekumirira semunguva yakapfuura, iwo mazita haawanzo kugamuchira akawanda anopihwa sepakutanga.Maitiro emusika wemutengi akaiswa, uye vatengi 'havadi kubhadhara yakawanda kuti vawane dzimba dzakakodzera.
Mutengo wazvino uno wakangofanana nemutengo wemusika, unoenderana nemutengo webhajeti yevatengesi, uye kunyangwe vamwe vatengesi vanogamuchira iyo counter inopihwa nemutengo wakaderera mukati mehumwe hunoenderana.
Saka vatengesi vari kuwedzera "kutaurirana", vatengi vane nzvimbo dzakawanda dzekutaurirana uye dhigirii rekubhidha kutenga imba rakadzikiswa zvakanyanya.
Tinoenda kupi mumusika wezvivakwa wazvino?
Mukutaura kwakawanda, dzimba dzakawanda dzemhando yepamusoro dziri pamusika wazvino wezvivakwa nepo vamwe vangangove vatengi vakagadzirira kupinda mumusika panguva ino.Kana avo vangangove vatengi vapinda mumutambo, ivo vanozove nesarudzo dzakawanda uye yakasimba kodzero dzehurukuro.
Iyo "hutano hutsika" yemusika wedzimba yakapa vatengi nguva yakawanda yekutsvaga dzimba dzakanaka uye kuita zvinopihwa.Kune zvakatowanda zvinyorwa zvemamwe misika akatotonhora.
Kune vangangotenga, kunyangwe mubereko wakakwira kupfuura gore rapfuura, kugadzirisa chirongwa chekupa inzira yakasarudzika yekuchengetedza mari yakawanda zvichienderana nemamiriro emusika aripo.
Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.
Nguva yekutumira: Jul-29-2022