Riaan Inguqulo yale ndaba yaqala ukuvela ku-CNN Business’ Ngaphambi kwe-newsletter ye-Bell. Hhayi obhalisile? Ungabhalisa lapho ke. Ungalalela inguqulo yomsindo yencwadi yezindaba ngokuchofoza isixhumanisi esifanayo.
I-New York
CNN
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Kwakamuva izihloko zezindaba zikhomba emakethe yezindlu yase-US ewohlokayo – njengamazinga emali mboleko isilinganiso esiseduze no-7%inani elandayo lalabo abangase bathenge izindlu bakuthola kunzima ukuxhasa amakhaya.
Izicelo zokubolekwa kwezindlu zehle ngasekupheleni kukaFebhuwari zaya zehla ngeminyaka engu-28, ngokusho kuka iMortgage Bankers Association. Kodwa abanye babakhi bezindlu abakhulu bezwe abadikibali.
UDavid O’Reilly, oyi-CEO ye-Real Estate Developer Howard Hughes Corp., utshele i-CNN ukuthi “unethemba elikhulu” lokuthi imakethe yezindlu zokuhlala ikhula kabusha ngemuva kokusungulwa kwe-CNN. ukwehla engxenyeni yesibili ka-2022.
Ngaphambi kokuthi iBell ikhulume no-O’Reilly mayelana neHoward Hughes Corp
(HHC). kanye nombono wakhe ngemakethe.
Le nhlolokhono ihlelelwe ukucaciseleka.
Idatha yakamuva ikhomba ukushabalala nobumnyama emakethe yezindlu. Ubonani?
U-O’Reilly: Ngizwa izihloko zezindaba futhi zenza ukuchofoza okuningi, kodwa angikuboni ukufa nokubhujiswa nanoma yini eseduze nalokho esikubonile ngesikhathi sezinkinga zezimali zomhlaba. Lokhu, ngokulinganisa kwami, kuzoba ukwehla okuncane kakhulu. Okokuqala, njengezwe, sibafishane amakhaya aphakathi kwezigidi ezine neziyisihlanu. Asikakakhi ngokwanele ukuhambisana nokwakhiwa kwekhaya kusukela kwaba nenkinga yezimali emhlabeni jikelele. Ezimakethe eziningi, siseduze irekhodi lows mayelana ne-inventory yabakhi bezindlu.
Impela, amanani asekhaya aphansi kodwa sibuyisela ezinye zezinto esizizuzile yabona ngo-2020. Sisenza inzuzo enkulu uma kuqhathaniswa nezinkambiso zomlando. Uma uzwa ngabakhi bezindlu ukuthenga ama-mortgage rates [contributing part of the purchase price upfront]benza izinto okufanele bazenze ukuze basize ukuhambisa i-inventory futhi bakwenza ngenzuzo enkulu.
Ingabe unezinkinga zokuheha abathengi abasha ngenxa yamazinga aphezulu emali mboleko?
Izinga le-mortgage linomthelela omncane kubathengi bezindlu kunokuntengantenga kwezinga lenzalo.
Uma amanani enzalo ehamba, ekhuphuka noma ehla ngokushesha, adala ikhefu phakathi kwabathengi ngoba bafuna ukwazi ukuthi izinze kuphi. Akekho ofuna ukuvala uma ecabanga ukuthi imali yokuthenga indlu ingase ibe ishibhile ngenyanga. Ngicabanga ukuthi abakhi bezindlu baye, ngokwezinga elikhulu ezinyangeni ezimbalwa ezedlule, bazame ukukhipha okunye ukuntengantenga emakethe. Okunye ukuntengantenga kuvele ngokwemvelo njengoba ukunyuka kwezinga bekuhambisana nalokho obekulindelwe futhi namazinga emali ebolekiwe aziphathe ngendlela ejwayelekile, kodwa okunye ubungozi nokungaqiniseki kukhishiwe ngoba abakhi bezindlu bathi sizokuvalela isilinganiso sakho, uyazi, 4.99% noma 5%, unyaka noma emibili.
Noma lelo zinga elingu-5% liphezulu kakhulu kunesilinganiso esingu-3% eminyakeni embalwa edlule, linikeza umthengi ukuzethemba kokwenza okuthile ngaphandle kokungaqiniseki kokuguquguquka kwesilinganiso.
Ingabe sisesimweni sokuwohloka komnotho wezindlu?
Engxenyeni yesibili ka-2022 sibone ukwehla okubonakalayo ekuthengisweni kwezindlu kuzwelonke. Sibone ukwehliswa okuphusile ezweni lonke. Kodwa nginethemba elikhulu lokuthi sesiqala ukubona ukujika. Ngikuthola kukhuthaza lokho ukuthengisa ekhaya ezinyangeni ezimbalwa ezedlule ziye zanda.
Kodwa kuthiwani izindlu ezintsha ziqala? Ukwakhiwa kuyawa.
Izindlu ezintsha ziqala ukuwa – kimi, izindaba ezinhle lezo. Phakathi nengxenye yesibili ka-2022 sibone izinga lokukhansela ekuthengisweni okusha kwezindlu. Lokho kukhanselwa kushiye inqwaba yezinto ezimile – abakhi bezindlu abanezindlu ababezakhele othile okhansele ukuhlala kuzo.
Iqiniso lokuthi bathengisa kakhulu kodwa abakha kancane lingitshela ukuthi badla ngalolo luhlu. Futhi lokho kuwuphawu olukhulu kulo nyaka wonke.
▸ Konke kumayelana ne- imakethe yezabasebenzi kuleli sonto njengoba kuzokhishwa inqwaba yemininingwane yemisebenzi kaFebhuwari.
Isimanga esikhulu sangenyanga edlule – imisebenzi engu-517,000 yengezwe emnothweni wase-US lapho osomnotho bebelindele i-185,000 – kuthumele imakethe yamasheya. Abatshalizimali banethemba lokuthi izinombolo zizobuyela emhlabeni ukusiza ukupholisa umnotho kanye nokwehla kwamandla emali kanye nakho. Uma bengakwenzi, lindela ukushintsha kwezimakethe njengoba i-Fed izobhekana nengcindezi eyengeziwe yokwenyusa amanani enzalo ukuze kugcinwe amanani entengo.
Umbiko wokukhokhelwa kwangasese we-ADP wangoFebhuwari kanye nombiko wokuvuleka kwemisebenzi ye-JOLTS, ukuqashwa kanye nokuyeka ngoJanuwari kulindeleke ngoLwesithathu. NgoLwesine, i-Challenger, Gray & Christmas izokhipha izinombolo zayo zokuncishiswa kwemisebenzi ngoFebhuwari, kanti uLwesihlanu iletha umbukiso omkhulu – umbiko wemisebenzi wase-US wangoFebhuwari.
Abahlaziyi balindele ukuthi umnotho wengeze imisebenzi engu-200,000 ngoFebhuwari kanti kulindeleke ukuthi izinga labantu abangasebenzi lilindeleke. ku zihlale zisezingeni eliphansi ngo-3.4%.
▸ Ekhuluma nge-Fed, uSihlalo uJerome Powell uzobe esesihlalweni esishisayo kuleli sonto njengoba ethula ubufakazi phambi kweSenethi ngoLwesibili kanye neNdlu yabaMeli ngoLwesithathu. Embikweni wakhe wesigamu sonyaka kubenzi bomthetho, u-Powell cishe uzogcizelela ukuthi i-Fed izodinga ukuthatha izinyathelo ezengeziwe ukuze ukwehla kwamandla emali kubuyele ku-2%. Abatshalizimali bazobuka abenzi bezomthetho bebuza uPowell, futhi uzocelwa ukuthi avikele impi yakhe yokupholisa umnotho, okungalimaza ukukhula kwamaholo.
▸ UMongameli uJoe Biden kulindeleke ukuthi ethule isiphakamiso sakhe sesabelomali se-Federal sonyaka olandelayo. Uthembise ukuthi kuzobandakanya ukukhushulwa kwentela kwabacebile – into i-Wall Street ngokuvamile engathandi ukuyizwa. Yize isiphakamiso sesabelomali sikamongameli siwukuthi – isiphakamiso – cishe sizoqondisa izinhlelo zenqubomgomo yentando yeningi zonyaka ozayo. Lokho kusho ukuthi cishe sizozwa okwengeziwe mayelana nokwenyusa intela yenzuzo yemali kanye nezintela ekuthengeni kabusha kwesitoko sebhizinisi okuyimpikiswano, iziphakamiso zenqubomgomo ezimbili eziphinde zixake abatshalizimali.
I-Amazon yenze izimemezelo ezimbili zakamuva ezingezwakali ziyinhle kakhulu enkampanini – okungenani ngokwenani lobuso.
Le nkampani imisa ukwakhiwa kwendlunkulu yayo yesibili enyakatho yeVirginia, inkampani kuqinisekiswe esitatimendeni ku-CNN ngolwesihlanu. Bloomberg okokuqala kubika izindaba zokumiswa okwesikhashana.
UJohn Schoettler, isikhulu sezindlu zase-Amazon, uthe inkampani ihlehlisa ukuphulwa kwesigaba sesibili sendlunkulu entsha. Isigaba sokuqala sisakhiwa kanti kulindeleke ukuthi sivulwe ngoJuni.
Isinqumo senkampani sokumisa isikhashana ukwakha siza ngemuva kwezinyanga ezimbili isikhulu se-Amazon u-Andy Jassy eqinisekisile ukuthi inkampani izoba ukuqeda imisebenzi engaphezu kuka-18,000, isiqephu esikhulu kunazo zonke emlandweni wayo. I-Amazon yaqashwa ngokushesha eminyakeni yokuqala yalolu bhubhane futhi inciphisa izindleko njengoba abathengi beshintsha indlela abaziphatha ngayo.
Kodwa uWall Street uzishayele ihlombe lezi zindaba ngoLwesihlanu. I-Amazon
(AMZN) isitoko sikhule ngo-3% ngaphezulu.
Lokhu kungenxa yokuthi abatshalizimali bafuna inkampani yehlise izindleko zayo njengoba imali engenayo ihamba kancane futhi isibikezelo somnotho sihlala sibi. UJassy uthe ngesikhathi ethola umbiko wekota yesine we-Amazon ukuthi uhlela ukwenza lokho kanye.
I-Amazon iphinde yamemezela ngoLwesihlanu ukuthi izovala izitolo eziyisishiyagalombili zezitini nodaka e-Seattle, New York naseSan Francisco.
