U.S. Ukunyuka kweNtengiso yeKhaya ngoFebruwari Phakathi kokuNciphisa amaxabiso okuthenga ngezindlu

Emva kweenyanga zokumisa, imarike yezindlu yase-US yabonisa iimpawu ezithembisayo zobomi ngoFebruwari. Ikhuthazwe kukuhla okuphawulekayo kwamaxabiso emali-mboleko ukusuka kwincopho yabo yokwindla lokugqibela, intengiso yamakhaya esele ikhona inyukile, inika ikhefu elamkelekileyo kubathengi nabathengisi abebejonge umngeni wokujonga amaxabiso aphezulu kunye noluhlu lwempahla olunyiniweyo. Le uptick icebisa ukuba ukufikeleleka, ngelixa kuseyinkxalabo ebalulekileyo, kunovelwano kakhulu kwiindleko zenkxaso-mali, kwaye nokuthomalalisa okuncinci kunokuvula imfuno yepent-up. Idatha yangoFebruwari ibonelela ngovavanyo olubalulekileyo lwecandelo lezindlu nomhlaba, umqondiso ongundoqo wempilo yoqoqosho ngokubanzi kunye nokuzithemba kwabathengi.

Amanani kaFebruwari: IShift ecacileyo kwiMzuzo

I-National Association of Realtors ibike ukuba ukuthengiswa kwezindlu ezikhoyo kunyuke nge-9.5% ngoFebruwari xa kuthelekiswa noJanuwari, okuphawula ukunyuka okukhulu kwenyanga ngonyaka. Ngelixa ukuthengisa kwakusehla unyaka nonyaka, ukunyuka kwenyanga ukuya kwinyanga kwaphule ixesha elide lokuhla okanye ukukhula okuthe tyaba. I-catalyst yayingathandabuzekiyo: umyinge we-avareji kwi-30-year fixed mortgage wehla ukusuka kwiminyaka elishumi elinesibini ephezulu malunga ne-8% ngo-Oktobha ukuya malunga ne-6.8% phakathi kuFebruwari. Oku kuncitshiswa kubonelele ngegumbi lokuphefumla ngokwemali elaneleyo kubathengi abaninzi abalindelekileyo ukuba baphinde bangene kwimarike, ngakumbi eMbindi-ntshona nakumaZantsi apho ukonyuka kuye kwabonakala kakhulu.

I-Equation yokufikeleleka: Ibhalansi ethambileyo

Ngaphandle kwedatha yokuthengisa ekhuthazayo, umba ongundoqo wokufikeleleka uhleli. Amaxabiso asekhaya aqhubekile nokunyuka kwawo, ngexabiso eliphakathi elikhoyo lasekhaya lifikelele kwi-384,500 yeedola ngoFebruwari, ukunyuka kwe-5.7% ukusuka kwixesha elifanayo kulo nyaka uphelileyo. Oku kubonisa inyanga yesibhozo elandelelanayo yeenzuzo zamaxabiso unyaka nonyaka. Imakethi ibanjwe kukutsalwa kwemfazwe: amaxabiso aphantsi emali-mboleko yongeza amandla okuthenga, kodwa ukunyuka kwamaxabiso kunye neendleko zokuboleka eziphakamileyo xa kuthelekiswa nexesha lobhubhane ziyaqhubeka nokutsala uqingqo-mali. Olu lungelelwaniso lucekethekileyo luthetha ukuba kwabaninzi, iphupha lokuba nekhaya lixhomekeke ekubaleni okuntsonkothileyo kwengeniso, ukonga, kunye nenzala ekhoyo.

Ukuhambahamba kwiMarike yeFluid kufuna iziXhobo eziSmart

Kubasebenzi bezindlu, abatyali-zimali, kunye nabathengi abanolwazi, le meko iguqukayo ifuna ubuchule kunye nokuqonda okubukhali. Ukukwazi ukuziqhelanisa ngokukhawuleza namazinga okutshintsha, ukuhlalutya iindlela zeemarike zendawo, kunye nokulawula ukuthengiselana okuyinkimbinkimbi kubaluleke kakhulu. Apha kulapho inkqubo yokusebenza elungelelanisiweyo iba yinto exabiseke kakhulu. Iqonga elifana neMewayzinokuba ngumtshintshi womdlalo, ubudlelwane phakathi kwabaxumi, iinkcukacha zentengiselwano, kunye nokuqikelelwa kwemali kwindawo enye. Xa iimeko zemarike zinokutshintsha ngengxelo enye yezoqoqosho, ukuba nayo yonke idatha yakho ebalulekileyo yeshishini kunye nemijelo yonxibelelwano edibeneyo igcina ixesha elixabisekileyo kwaye inciphisa ingozi yempazamo.

Ujongo Phambili: Ukuzinza kunye ne-Inventory

Umbuzo ophambili ngoku kukuba ingaba isantya sikaFebruwari sizinzileyo. Okuninzi kuxhomekeke kulwalathiso lwemilinganiselo yemali-mboleko, ebotshelelwa kwizigqibo zomgaqo-nkqubo weFederal Reserve ngokunyuka kwamaxabiso. Ngaphaya koko, umceli mngeni othe gqolo uyaqhubeka ukuba luluhlu oluphantsi kakhulu lwezindlu ezithengiswayo. Abanini bezindlu abaninzi abanamaxabiso emali-mboleko aphantsi kakhulu kwiminyaka edlulileyo bayathandabuza ukuthengisa nokungena kwimarike ngeendleko eziphezulu kakhulu zokuboleka. Ukuze ukukhula kwentengiso kuqhubeke, ukunyuka kuluhlu olutsha kubalulekile. Iingcaphephe zeshishini zinethemba ngononophelo kodwa zigxininisa ukuba buthathaka kwemarike.

"I-rebound kaFebruwari ngumqondiso ocacileyo wokuba abathengi balinde ecaleni ukuze baphuculwe ngokufanelekileyo. Imarike yezindlu ilambile kwi-inventory, kodwa ukucwiliswa kwamaxabiso e-mortgage kwakwanele ukuhenda abathengi abathile ukuba babuyele kwi-fray. Ukuzinza kwalo mkhwa kuxhomekeke ngokupheleleyo kwindlela ezayo yamazinga enzala. "

Kumashishini asebenza kwesi sithuba, impumelelo ixhomekeke ekusebenzeni kakuhle. Ukujongisisa abathengi abaninzi, izibonelelo, kunye nexesha elibekiweyo kufuna inkqubo eyomeleleyo. Abachwephesha abasebenzisa iMewayzbafumanisa ukuba uyilo lwayo lweemodyuli lubavumela ukuba balungelelanise indawo yabo yokusebenza ngokweemfuno ezizodwa zomjikelo we-real estate, nokuba bafuna ukugxila kulawulo olukhokelayo ngexesha elicothayo okanye ukulungelelanisa iinkqubo zokuvala xa umsebenzi ukhula.

Izinto eziphambili eziThathayo kwiNgxelo kaFebruwari

• I-Sales Jump: Intengiso yamakhaya esele ikho inyuke nge-9.5% ukususela ngoJanuwari ukuya kuFebruwari.
• Ukukhula kweXabiso: Ixabiso lekhaya eliphakathi linyuke nge-5.7% unyaka nonyaka ukuya kwi-384,500 yeedola.
• Ixabiso lokuSensitivity: Imakethi ibonakalise ukusabela okuphezulu ekwehleni kwamaxabiso emali-mboleko ukusuka ku-Okthobha ophezulu.
• Umngeni we-Inventory: Ukunqongophala kwamakhaya akhoyo kuhlala kungumqobo omkhulu kuhlumo lwemalike olubalulekileyo.

Ekuqukumbeleni, ingxelo yezindlu kaFebruwari inikezela ngedosi yethemba, ebonisa ukomelela okusisiseko kwemarike. Ngelixa imiqobo yokufikeleleka ihleli iphezulu, impendulo entle kumazinga asezantsi ibonisa imfuno emandla efihlakeleyo. Ukuzulazula kwiinyanga ezilandelayo kuya kufuna zombini ubulumko beemarike kunye nokusebenza kakuhle-indibaniselwano echaza impumelelo kumashishini anamhlanje ezindlu.

Imibuzo Ebuzwa Rhoqo

Amanani kaFebruwari: IShift ecacileyo kwiMzuzo

I-National Association of Realtors ibike ukuba ukuthengiswa kwezindlu ezikhoyo kunyuke nge-9.5% ngoFebruwari xa kuthelekiswa noJanuwari, okuphawula ukunyuka okukhulu kwenyanga ngonyaka. Ngelixa ukuthengisa kwakusehla unyaka nonyaka, ukunyuka kwenyanga ukuya kwinyanga kwaphule ixesha elide lokuhla okanye ukukhula okuthe tyaba. I-catalyst yayingathandabuzekiyo: umyinge we-avareji kwi-30-year fixed mortgage wehla ukusuka kwiminyaka elishumi elinesibini ephezulu malunga ne-8% ngo-Oktobha ukuya malunga ne-6.8% phakathi kuFebruwari. Oku kuncitshiswa kubonelele ngegumbi lokuphefumla ngokwemali elaneleyo kubathengi abaninzi abalindelekileyo ukuba baphinde bangene kwimarike, ngakumbi eMbindi-ntshona nakumaZantsi apho ukonyuka kuye kwabonakala kakhulu.

I-Equation yokufikeleleka: Ibhalansi ethambileyo

Ngaphandle kwedatha yokuthengisa ekhuthazayo, umba ongundoqo wokufikeleleka uhleli. Amaxabiso asekhaya aqhubekile nokunyuka kwawo, ngexabiso eliphakathi elikhoyo lasekhaya lifikelele kwi-384,500 yeedola ngoFebruwari, ukunyuka kwe-5.7% ukusuka kwixesha elifanayo kulo nyaka uphelileyo. Oku kubonisa inyanga yesibhozo elandelelanayo yeenzuzo zamaxabiso unyaka nonyaka. Imakethi ibanjwe kukutsalwa kwemfazwe: amaxabiso aphantsi emali-mboleko yongeza amandla okuthenga, kodwa ukunyuka kwamaxabiso kunye neendleko zokuboleka eziphakamileyo xa kuthelekiswa nexesha lobhubhane ziyaqhubeka nokutsala uqingqo-mali. Olu lungelelwaniso lucekethekileyo luthetha ukuba kwabaninzi, iphupha lokuba nekhaya lixhomekeke ekubaleni okuntsonkothileyo kwengeniso, ukonga, kunye nenzala ekhoyo.

Ukuhambahamba kwiMarike yeFluid kufuna iziXhobo eziSmart

Kubasebenzi bezindlu, abatyali-zimali, kunye nabathengi abanolwazi, le meko iguqukayo ifuna ubuchule kunye nokuqonda okubukhali. Ukukwazi ukuziqhelanisa ngokukhawuleza namazinga okutshintsha, ukuhlalutya iindlela zeemarike zendawo, kunye nokulawula ukuthengiselana okuyinkimbinkimbi kubaluleke kakhulu. Apha kulapho inkqubo yokusebenza elungelelanisiweyo iba yinto exabiseke kakhulu. Iqonga elifana ne-Mewayz linokuba ngumtshintshi womdlalo, ubudlelwane phakathi kwabaxumi, iinkcukacha zentengiselwano, kunye noqikelelo lwezemali kwindawo enye. Xa iimeko zemarike zinokutshintsha ngengxelo enye yezoqoqosho, ukuba nayo yonke idatha yakho ebalulekileyo yeshishini kunye nemijelo yonxibelelwano edibeneyo igcina ixesha elixabisekileyo kwaye inciphisa ingozi yempazamo.

Ujongo Phambili: Ukuzinza kunye ne-Inventory

Umbuzo ophambili ngoku kukuba ingaba isantya sikaFebruwari sizinzileyo. Okuninzi kuxhomekeke kulwalathiso lwemilinganiselo yemali-mboleko, ebotshelelwa kwizigqibo zomgaqo-nkqubo weFederal Reserve ngokunyuka kwamaxabiso. Ngaphaya koko, umceli mngeni othe gqolo uyaqhubeka ukuba luluhlu oluphantsi kakhulu lwezindlu ezithengiswayo. Abanini bezindlu abaninzi abanamaxabiso emali-mboleko aphantsi kakhulu kwiminyaka edlulileyo bayathandabuza ukuthengisa nokungena kwimarike ngeendleko eziphezulu kakhulu zokuboleka. Ukuze ukukhula kwentengiso kuqhubeke, ukunyuka kuluhlu olutsha kubalulekile. Iingcaphephe zeshishini zinethemba ngononophelo kodwa zigxininisa ukuba buthathaka kwemarike.