Misika 15 yanyumba iyi ili ndi obwereka ambiri pansi pamadzi

Ngongole Zam'madzi Zam'madzi Zikukwera - Zomwe Zikutanthauza Kwa Eni Mabizinesi Ogulitsa Malo

Kwa nthawi yoyamba m'zaka pafupifupi khumi, kuchuluka kwa ngongole zanyumba zapansi pamadzi ku United States zikukwera mwachangu kwambiri. Zambiri zaposachedwa zikuwonetsa kuti 2.1% ya ngongole zonse za eni nyumba zaku US tsopano zili pansi pamadzi - kutanthauza kuti wobwereka ali ndi ngongole zambiri kuposa zomwe nyumbayo ili nazo - kuchokera pa 1.3% yokha chaka chapitacho. Ngakhale kuti chiwerengerochi chikhoza kumveka chaching'ono pokhapokha, chikuyimira mazana masauzande a eni nyumba, ndipo zomwe zikuchitika zikupita patsogolo m'madera osachepera 15 a metro. Kwa eni mabizinesi omwe amagwira ntchito ndi malo, kasamalidwe ka katundu, kubwereketsa, kapena bizinesi ina iliyonse yoyandikana nayo, kusinthaku kumakhala ndi zotsatirapo zenizeni zomwe zimafunikira kutsata bwino ndalama, kasamalidwe kamakasitomala, komanso kupanga zisankho mwachangu.

Kodi "M'madzi" Amatanthauza Chiyani Kwenikweni - Ndipo Chifukwa Chake Ndikofunikira Tsopano

Ngongole yobwereketsa imatengedwa kuti ndi yapansi pamadzi pamene ngongole yomwe yatsalayo iposa mtengo wamsika wapanyumbayo. Izi zimachitika kawirikawiri pamene mitengo ya nyumba ikutsika pambuyo pogula, pamene wogula akupeza ndalama ndi malipiro ochepa kwambiri, kapena pamene kutsika kwamtengo kumaposa mlingo umene wobwereka amapangira ndalama. Munthawi yamavuto azachuma a 2008, pafupifupi 26% ya ngongole zonse zaku US zinali pansi pamadzi - chiwerengero chodabwitsa chomwe chinatenga pafupifupi zaka khumi kuti chithetsedwe.

Chiwerengero cha 2.1% chamasiku ano sichili pafupi ndi mlingo woopsawo, koma komwe kukuchitika ndikofunika kwambiri kuposa chiwerengero chenichenicho. Kuwonjezeka kwa 62% pachaka kwa gawo la ngongole zanyumba zapansi pamadzi zikuwonetsa kuti misika ina ikukumana ndi kuwongolera kwamitengo. Kwa akatswiri odziwa za malo, obwereketsa, ndi oyang'anira katundu, ichi ndi chizindikiro chochenjeza - mtundu womwe umalekanitsa mabizinesi omwe amasintha mwachangu ndi omwe amagwidwa mopanda phazi.

Madera 15 a metro omwe akhudzidwa kwambiri amakhala ndi mawonekedwe ofanana: kutsika kwamitengo mu 2020-2022 komwe kudaposa kuchuluka kwa ndalama zomwe amapeza mderali, kuchuluka kwa zomangamanga zatsopano zomwe zidachulukira, komanso kusintha kwa kuchuluka kwa anthu pomwe kusamuka kwa anthu akumidzi kutha. Misika kumadera ena a Texas, Florida, Louisiana, ndi ma metro osankhidwa a Kumadzulo kwapakati amawonekera pafupipafupi pamndandanda.

Masika 15 Omwe Madalitso Osokonekera Akukhazikika

Ngakhale kuti mayiko ambiri amakamba nkhani imodzi, zenizeni zimasiyana kwambiri ndi malo. Madera a metro omwe ali ndi chiwongola dzanja chambiri cha obwereketsa pansi pamadzi sakhala mwachisawawa - amatsata njira yodziwika yomanga mopitilira muyeso, kugula mongoyerekeza, komanso kukwera kwamitengo kwachangu komwe kwayamba kutha. Mizinda monga Baton Rouge, New Orleans, ndi ma metro angapo aku Texas apakati awona mitengo yapansi pamadzi ikukwera kuwirikiza katatu kapena kanayi kuchuluka kwa dziko lonse.

• Misika yomangidwa mopitilira muyeso wa Sun Beltkumene nyumba zatsopano zidachuluka panthawi yomwe mliri wakula, zomwe zidapangitsa kuti mitengo itsike
• Misika yokhala ndi osunga ndalama zambiri pomwe zogula zongopeka pamitengo yokwera kwambiri tsopano zili pansi pamalingaliro awo oyamba
• Madera omwe ali ndi kukula kwa malipiro osasunthikakomwe ndalama sizimayenderana ndi mitengo yomwe idafika panthawi yachipwirikiti, zomwe zimapangitsa kuwongolera kukhala kosapeweka
• Madera amadalira mafakitale amodzimonga mphamvu kapena zokopa alendo, komwe kufewetsa kwachuma kwachepetsa kufunikira kwa nyumba
• Misika yokhala ndi inshuwaransi yokwezeka komanso yolemetsa misonkhokumene kukwera mtengo kwamitengo kwachepetsa chidwi cha ogula ndikuchepetsa kugulitsanso malonda

Kwa eni mabizinesi omwe ali ndi chidwi ndi misika iyi - kaya kudzera m'malo obwereka, makasitomala, kapena madera a ntchito - kumvetsetsa kutsika kwamitengo sikulinso kwachisankho. Ndilo chiwopsezo chachikulu chomwe chikuyenera kudziwitsa chilichonse kuyambira pamitengo mpaka zisankho zokhuza kasitomala.

Mmene Kukwera Kosokonekera Kumakhudzira Mabizinesi Ang'onoang'ono ndi Apakati

Kuwonongeka kwa ngongole zanyumba zapansi pamadzi kumapitilira kutali ndi eni nyumba. Pamene gawo lalikulu la msika wogulitsira nyumba limakhala lopanda phindu, zimapangitsa kuti mabizinesi achuluke. Oyang'anira malo amawona kuchuluka kwa ma lendi chifukwa eni ake apansi pamadzi amakhala eni nyumba osafuna. Ogulitsa nyumba amakumana ndi nthawi yayitali yolembetsa ndikuchepetsa mitengo. Makontrakitala ndi mabizinesi okonzanso amawona kuthetsedwa kwa projekiti pomwe eni nyumba akutaya mwayi wopeza ngongole zanyumba.

Mabizinesi obwereketsa - kuchokera kwa obwereketsa nyumba kupita kwa obwereketsa ndalama - akukumana ndi chiwopsezo chokulirapo m'misika yomwe yakhudzidwa. Mabungwe a inshuwaransi atha kuwona kuti malamulo akusokonekera pamene eni nyumba omwe ali ndi mavuto azachuma akuchepetsa ndalama. Ngakhale mabizinesi omwe alibe kulumikizana mwachindunji ndi malo amakhudzidwa: eni nyumba akakhala pansi pamadzi, kugwiritsa ntchito ndalama kwa ogula pamakontrakitala azachuma m'deralo, zomwe zimakhudza malonda, ntchito, ndi kuchereza alendo.

Key Insight: Mabizinesi omwe amakonza zowongolera nyumba bwino kwambiri si omwe ali ndi chibadwa chabwino kwambiri - ndi omwe ali ndi data yabwino kwambiri. Kuwoneka kwanthawi yeniyeni pazachuma chamakasitomala, kuwonekera kwa mbiri malinga ndi geography, komanso momwe ndalama zikuyendera pazochitika zingapo zimalekanitsa ntchito zolimba ndi zomwe zili pachiwopsezo.

Apa ndipamene maziko ogwirira ntchito amakhala opambana. Bizinesi yogulitsa nyumba yotsata mayunitsi 200 obwereketsa kudutsa ma metro atatu sangathe kuwongolera kuwonekera kudzera m'maspredishithi komanso kumva kwamatumbo. Kampani ya inshuwaransi yokhala ndi makasitomala omwe ali ndi zip code yomwe yakhudzidwa ikufunika kuyimitsidwa, osati kuwunika pamanja pakatha kotala.

Njira Zisanu Zogwirira Ntchito Poyendetsa Msika Wapansi Pamadzi

Kaya mukugulitsa nyumba kapena mukungochita bizinesi pamsika womwe wakhudzidwa, pali njira zenizeni zotetezera ndalama zanu ndikudziyika nokha kuti mubwererenso. Chofunika ndikuchita chitsenderezo chisanakhale chachikulu - panthawi yomwe mitengo ya pansi pa madzi ikupanga mitu yankhani zadziko lonse, zenera lakusintha mwachangu lidachepa kwambiri.

1. Gawani gawo la kasitomala wanu kapena katundu wanu potengera kuopsa kwa malo. Lembani akaunti iliyonse, katundu, kapena ubale wamakasitomala kumadera ake a metro ndikufananiza motsutsana ndi data yolakwika. Izi zimakupatsani mwayi woyika patsogolo zoyeserera ndikusintha mawu omwe kuwonekera kumakhazikika.
2. Yesani kupsinjika kwa ndalama zanu muzochitika zingapo. Yesani zomwe zimachitika ku ndalama zomwe mumapeza ngati mitengo m'misika yanu yayikulu itsikanso 5%, 10%, kapena 15%. Dziwani zomwe mukufunikira kuti muthe kusweka ndikumanga nkhokwe moyenerera.
3. Limbikitsani ma invoice anu ndi kusonkhanitsa. M'misika yomwe ili ndi mavuto azachuma, nthawi yolipira imatalika. Mabizinesi omwe amalipira ma invoice mwachangu, amatsata mosamalitsa, ndikupereka njira zolipirira zomwe zingasinthike, amakhalabe ndi thanzi labwino kusiyana ndi omwe amapeza zosonkhanitsidwa ngati zongoganiziridwa pambuyo pake.
4. Sinthani dera lanu kapena kuwonekera kwa ntchito zanu. Ngati 80% ya ndalama zanu zimachokera ku metro imodzi yomwe ikukwera, lingalirani zokulira m'misika yoyandikana nayo kapena kuwonjezera njira zantchito zomwe zimayenda bwino pokonza - monga kasamalidwe ka katundu, kulimbitsa thupi, kapena kupeza katundu movutitsidwa.
5. Ikani mu CRM yanu ndi kulumikizana ndi kasitomala. M'misika yosatsimikizika, mabizinesi omwe amakhalabe ndi ubale wabwino ndi makasitomala awo amasunga maakaunti ambiri. Kungolowera basi, zosintha misika, komanso kulumikizana ndi munthu payekha kumapangitsa kuti anthu azikhulupirirana ndikuchepetsa kusagwirizana.

Palibe njira iyi yomwe ili yachilendo kapena yofunikira ukatswiri wapadera. Zomwe amafunikira ndikuwongolera magwiridwe antchito ndi machitidwe oyenera kuti azichita mosadukiza - komwe ndi komwe mabizinesi ang'onoang'ono ndi apakati amavutikira.

Chifukwa Chake Zida Zamalonda Zophatikizidwa Zimakhala Zofunika Kwambiri Pakukonza Msika

Panthawi yokhazikika, misika yoyamikira, kusagwira ntchito bwino ndikosavuta kubisa. Ndalama zimakula, makasitomala amakhala okondwa, ndipo mtengo wamayendedwe osalongosoka umatengedwa ndi kukulitsa malire. Kusintha kwa msika kumachotsa khushoniyo ndikuwulula kusiyana kulikonse pamakina anu. Kampani yoyang'anira katundu yomwe ikutsatira zopempha zokonza kudzera pa imelo mwadzidzidzi sizinganene zolondola zandalama kwa eni nyumba omwe ali ndi nkhawa. Gulu logulitsa malo lomwe likugwiritsa ntchito zida zinayi zolumikizidwa za CRM, ma invoice, kasamalidwe ka malonda, ndi kutsatsa likupeza kuti silingathe kupanga zoneneratu zogwirizana.

Apa ndipamene mapulaneti ngati Mewayz amakhala ofunika kwenikweni - osati ngati zapamwamba, koma monga zomangamanga. Ndi ma module ophatikizika a 207 okhudza CRM, invoice, malipiro, analytics, kasamalidwe ka projekiti, ndi kulumikizana kwa kasitomala, Mewayz imapatsa mabizinesi malo amodzi ogwirira ntchito pomwe malo aliwonse amalumikizana. Kampani yoyang'anira katundu imatha kutsata zolipira za lendi, zachiwembu za mbendera, kupanga malipoti a eni ake, kuyang'anira kayendetsedwe ka ntchito, ndi kulosera zandalama - zonse kuchokera pa dashboard imodzi. Kubwereketsa nyumba kumatha kugawa njira zake motengera kuopsa kwa msika, kutsata kasitomala, kukonza zolipirira, ndikuwunika momwe kagwiritsidwira ntchito popanda kusinthana pakati pa zolembetsa zisanu.

Ubwino wothandiza pakukonza nyumba ndi liwiro komanso momveka bwino. Msika womwe mumagwira nawo ukuwonetsa kukwera kwachuma, muyenera kudziwa kuwonekera kwanu mkati mwa maola ochepa, osati masabata. Muyenera kusintha ma invoice anu, sinthani njira yolumikizirana ndi kasitomala wanu, ndikuwunikanso momwe ndalama zanu zikuyendera - munjira yomweyi momwe data yanu yonse ikukhalamo kale.

Nkhani Yakale: Zomwe Zowongolera Zakale Zatiphunzitsa

Vuto lanyumba la 2008 likadali chitsanzo chochititsa chidwi kwambiri cha kusalingana kwachuma, koma kuwongolera kwakung'ono kwachigawo mu 2015-2016 (misika yodalira mafuta) komanso kusatsimikizika kwakanthawi kwa COVID koyambirira kwa 2020 kumaperekanso maphunziro othandiza. Pazochitika zilizonse, mabizinesi omwe adachira mwachangu adagawana mikhalidwe itatu: anali ndi zolondola, zenizeni zenizeni zachuma; adasunga ubale wolimba wamakasitomala kudzera mukulankhulana mowonekera; ndipo adapewa kufutukula mochulukira panthawi yomwe idakulirakulira.

Kukwera kwa mitengo yanyumba pansi pamadzi masiku ano sikuwonetsa kugwa kwa 2008. Mapangidwe ofunikira pamsika wanyumba yaku US ndiathanzi - mayendedwe obwereketsa ndi okhwimitsa, kuwonekera kwachiwongola dzanja kutsika, ndipo eni nyumba m'dziko lonselo akadali okwezeka m'mbiri. Koma kuchulukirachulukira kwa kusachita bwino m'matawuni ena kumatanthauza kuti mabizinesi omwe akugwira ntchito m'malo amenewo akukumana ndi zoopsa zenizeni zomwe zimafuna kuyankhapo.

Sewero lanzeru silimanjenjemera — ndikukonzekera. Yang'anani machitidwe anu, sinthani mawonekedwe anu, limbitsani ntchito zanu zachuma, ndikuwonetsetsa kuti muli ndi luso laukadaulo kuti mupange zisankho mwachangu. Mabizinesi omwe akuwona nthawi ino ngati chothandizira kuti ntchito ziwongolere bwino sangangotsala pang'ono kuwongolera komanso kukhala ndi mwayi wopeza gawo la msika kuchokera kwa omwe akupikisana nawo omwe sanachedwe kuzolowera.

Kuyang'ana M'tsogolo: Zomwe Mungawone M'miyezi Ikubwerayi

Zizindikiro zingapo zidzatsimikizira ngati kukwera kwa ngongole zapansi pamadzi kukhazikika kapena kufulumizitsa. Kusuntha kwa ndalama zanyumba kumakhalabe chinthu chimodzi chofunikira kwambiri - ngati mitengo ikutsika bwino, kufunikira kwa ogula kumatha kubwerera ndikuthandizira mitengo m'misika yomwe ikufooka. Kumanga kwatsopano kumayamba m'ma metro ochulukirachulukira kudzawonetsa ngati omanga akusintha kuti achepetse kufunika. Ndipo zidziwitso za ntchito m'madera omwe akhudzidwa ziwonetsa ngati zoyambira zachuma zitha kupititsa patsogolo mitengo yamakono.

Kwa eni mabizinesi, zomwe mungachite ndizosavuta: musadikire kutsimikizika musanachitepo kanthu. Pofika nthawi yomwe deta imakhala yosamvetsetseka, ubwino wampikisano wa kukonzekera koyambirira wasanduka nthunzi. Yambani kugawa kuwonekera kwanu tsopano. Kupsyinjika-yesani chuma chanu tsopano. Sinthani machitidwe anu ogwirira ntchito tsopano. Kaya mumayang'anira gulu la anthu atatu kapena kampani yoyang'anira katundu ya antchito 50, kusiyana pakati pa kuchita bwino ndi kuvutikira pokonza msika pafupifupi nthawi zonse kumabwera chifukwa cha momwe mudayambira kukonzekera - komanso ngati zida zanu zidakwanira.

Mafunso Ofunsidwa Kawirikawiri

Kodi kubwereketsa nyumba kukhala "pansi pamadzi" kumatanthauza chiyani?

Ngongole ya pansi pa madzi, yomwe imadziwikanso kuti negative equity, imachitika pamene eni nyumba ali ndi ngongole zambiri pa ngongole yanyumba kuposa momwe katundu wake alili pa msika. Izi zimachitika nthawi zambiri mitengo yanyumba ikatsika pambuyo pogula nyumba. Zitha kupangitsa kuti zikhale zovuta kugulitsa malowo kapena kubwezanso ngongole popanda kubweretsa ndalama zina patebulo lotsekera.

Chifukwa chiyani eni mabizinesi anyumba ayenera kudera nkhawa za kukwera kwa ngongole zanyumba zapansi pamadzi?

Kwa akatswiri odziwa za malo, kukwera kwa ngongole zapansi pamadzi kumatha kuwonetsa kusakhazikika kwa msika. Zitha kubweretsa mindandanda yocheperako, popeza eni nyumba sangathe kugulitsa popanda kutayika, komanso kuwonjezeka kwa malonda amfupi kapena kutsekereza. Kukhala patsogolo pazochitika izi ndikofunikira. Mapulatifomu ngati Mewayz, okhala ndi ma module 207 okhudza kusanthula msika, atha kuthandiza othandizira ndi otsatsa kusintha njira zawo zamabizinesi.

Kodi zoopsa zomwe zimakhalapo kwa eni nyumba omwe ali ndi ngongole ya pansi pamadzi ndi ziti?

Chiwopsezo chachikulu ndi kusasinthika kwachuma. Eni nyumba sangathe kugulitsa katundu wawo mosavuta popanda kuphimba kusiyana pakati pa mtengo wogulitsa ndi ndalama zawo zanyumba kunja kwa thumba. Iwo akulepheranso kupeza chilungamo kudzera mu refinancing. Ngati mukakamizika kusamuka chifukwa cha kutha kwa ntchito kapena zinthu zina, izi zingayambitse mavuto aakulu azachuma kapenanso kulandidwa katundu.

Kodi akatswiri a zogulitsa nyumba angagwiritse ntchito bwanji detayi pothandiza makasitomala?

Othandizira atha kugwiritsa ntchito chidziwitsochi kuti apereke malangizo abwino kwambiri. Kwa ogula, zitha kuwonetsa mwayi wokambirana m'misika yomwe yakhudzidwa. Kwa ogulitsa m'malo awa, othandizira amatha kupanga njira zenizeni zamitengo. Kugwiritsa ntchito zida zatsatanetsatane, monga zidziwitso zamsika zomwe zimapezeka kudzera mu kulembetsa kwa Mewayz ($ 19 / mwezi), ndikofunikira kuti muzitha kuyendetsa bwino mikhalidwe yovutayi.