1 (877) 789-8816 clientsupport@aaalendings.com

Nkhani za Mortgage

Kusintha kwa Masewera: Kutsika kwa Home mitengo

07/28/2022

Posachedwapa, mnzanga wina James, yemwe ndi Realtor, adagawana nkhani ndikudandaula kuti ntchito yogulitsa nyumba ikusintha malamulo a masewera.

James, monga wogulitsa mndandanda, adakhala milungu ingapo ndipo pamapeto pake adathandizira kasitomala wake kugulitsa malowo pamtengo wokwanira $1,500,000.Zinthu zoyamba zinali kuyenda bwino mpaka sabata yatha.James adawona kuti wogulayo sakufuna kuchita nawo malondawo ndipo adamva kudzera mumphesayo kuti wogulayo akufuna kuletsa mgwirizanowo chifukwa chakuti khoma la maziko a garage linali losweka.Patadutsa masiku ochepa ntchitoyo idayimitsidwa ndi wogula, zomwe zikutanthauza kuti zonse zomwe James adachita zidapita pachabe.

James adanenanso kuti padzakhala zotsatsa zingapo zogulira nyumba yotsatsa pomwe msika wamanyumba udagwira ntchito kwambiri chaka chatha.Zachidziwikire, kuyambira nthawi yachitukukochi, msika wa ogula ukuwonekeranso, ndandanda yanyumba ikupitilira kutsika.Tsopano malo akusintha kuchokera kumsika wa ogulitsa kupita kumsika wa ogula.

 

Kodi mitengo yanyumba yatsikadi?

Kufuna kwa nyumba ndi kugula boom kwatumiza mitengo yapakhomo ikukwera 34.4% m'dziko lonselo zaka ziwiri zapitazi, ndi madera ambiri a msika wa nyumba "Kutentha Kwambiri".

Malingana ndi "lingaliro la pendulum", kamodzi kachitidwe ka msika wogulitsa nyumba kafika pamtunda wake, uyenera kubwereranso ku zosiyana.Kusuntha kuchokera kumtunda kupita ku wina.

Kutengera Redfin, kufunikira kwanyumba kukuchulukirachulukira kuyambira theka loyamba la chaka kukuchepa kwambiri.Ndipo msika wogulitsa nyumba ukulowa mu nthawi yatsopano kapena mwa kuyankhula kwina, Nthawi Yaikulu Yochepetsera.

Kutengera chipwirikiti cha Federal Reserve chakukwera kwamitengo komwe kudayamba mu Marichi, 2022, chiwongola dzanja chakwera kupitilira 5% ndikukwera pafupifupi ma point 300 mu theka la chaka.Izi zimapangitsa anthu ambiri kukhala ndi nkhawa kuti mitengo yanyumba idzatsikadi chiwongola dzanja chikakwera?

M'masabata 4 oyambirira a July 10, 2022, mtengo wogulitsa nyumba za ku Media unatsika ndi 0.7% kuchokera pachimake mu June, malinga ndi tsiku laposachedwa kwambiri la Real Estate Website Redfin.

maluwa

Izi zikutanthauza kuti msika wabwerera m'mbuyo, msika wopindulitsa wa malo ogulitsa nyumba ukuyamba kuzizira, kukwera kwa mitengo ndi mitengo yamtengo wapatali yobwereketsa kumatenga pang'onopang'ono ndalama za ogula nyumba, mitengo ikuyamba kutsika kuchokera ku mbiri yakale.

 

Chani ' zikuchitika mumsika wogulitsa nyumba?

Kumbali yakugulitsa nyumba, nyumba zokhala ndi mindandanda zidakwera 1.3% poyerekeza ndi mwezi watha, uku ndiye chiwonjezeko chachikulu kuyambira Ogasiti 2019.

maluwa

Gwero:https://www.redfin.com/news/housing-market-update-prices-fall-inventory-climbs/

Kuperewera kwa Supply kwayenda bwino ndi mindandanda yambiri, kubwera ndi mpikisano wocheperako komanso kutsika kwamitengo kwa ogula.

Chifukwa cha kusatsimikizika kwa msika wogulitsira malo, malo odikirira ogula ndi amphamvu kuposa kale ndipo akufuna kulabadira kwambiri msika.Zachidziwikire, pali ogula ambiri omwe adaletsa malondawo chifukwa chazifukwa zawo, zomwe zingapangitse nyumba kubwereranso kumsika.

maluwa

Gwero:https://www.cnbc.com/2022/07/11/homebuyers-are-canceling-deals-at-highest-rate-since-start-of-covid.html

 

Ogula tsopano ali ndi malo ambiri oti asankhe chifukwa cha kuchuluka kwa zinthu.

Pankhani yamitengo yogulitsa nyumba, kuchuluka kwa nyumba zogulitsidwa kwatsika mpaka 101.6%, komwe kudatsika ndi 1% kuchokera pa Marichi 2022. Izi zikutanthauza kuti, ndikosavuta kwa ogula kupeza nyumba yamaloto ndi chizindikiro chapakati- yakwera 1.6% kutengera mtengo wogulitsa.

maluwa

Gwero:https://www.redfin.com/news/housing-market-update-prices-fall-inventory-climbs/

 

Nyumba zambiri zotseguka pamsika zilibenso mndandanda wodikirira monga kale, mindandandayo salandiranso zopatsa zambiri monga kale.Misika ya ogula yakhazikitsidwa, ndipo ogula sakufuna kulipira zambiri kuti apeze nyumba zabwino.

Mtengo wapanowu ndi wofanana ndi mtengo wamsika, womwe umakonda kutengera mtengo wamalonda wa ogulitsa, ndipo ngakhale ogulitsa ena amavomereza kuperekedwa kwa kauntala ndi mtengo wotsikirapo pamlingo woyenera.

Chifukwa chake ogulitsa akukhala "ogwirizana kwambiri", ogula ali ndi malo ochulukirapo ndipo kuchuluka kwa ndalama zogulira nyumba kumachepetsedwa kwambiri.

 

Kodi timapita kuti pamsika wamakono wapanyumba?

Kunena zowona, nyumba zabwino kwambiri zili pamsika wapano pomwe ogula ena akulolera kulowa pamsika pakadali pano.Ogulawo akalowa nawo masewerawa, adzakhala ndi zosankha zambiri komanso maufulu amphamvu a nkhani.

"Kukhazikika bwino" kwa msika wanyumba kwapatsa ogula nthawi yochulukirapo kuti apeze nyumba zabwino ndikupereka zopereka.Palinso zochulukira zamisika ina zomwe zazirala kale.

Kwa ogula, ngakhale chiwongoladzanja ndi chachikulu kuposa chaka chatha, kusintha njira yoperekera ndi njira yapadera yosungira ndalama zambiri kutengera momwe msika uliri.

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.


Nthawi yotumiza: Jul-29-2022