Riaan 
Abathengi banamuhla bazwela kakhulu emazingeni emali mboleko enamanani ezindlu aphezulu kakhulu – futhi bathole iphuzu labo lokugcina.
Ngemuva kweminyaka yokungenelela kukahulumeni kulandela ukuwohloka okukhulu komnotho kanye neminyaka yokuqala ka ubhubhane lwe-Covid-19 okwagcina amanani emali ebolekwayo ephansi ngokuzenzela, abathengi banamuhla banombono osontekile wokuthi ayini amanani “ejwayelekile” emali mboleko.
Iningi labantu abangase bathenge izindlu, u-71%, bathi ngeke bayamukele isilinganiso seminyaka engu-30 semali ebolekiwe esingaphezu kuka-5.5%, ngokocwaningo olwenziwa ngoMashi nguJohn Burns Research and Consulting. Izinga lamanje, nokho, licishe libe ngu-6.4%.
Ngaphezu kwalokho, u-62% wabathengi uthe bakholelwa ukuthi “izinga lemali ebolekiwe elijwayelekile ngokomlando” lalingaphansi kuka-5.5%. Isilinganiso esibuyela emuva ku-1971 singama-7.75%, ngokusho kukaFreddie Mac.
Amakhaya eCenterville, eMaryland, e-US, ngoLwesibili, Ephreli 4, 2023.
Nathan Howard | Bloomberg | Izithombe ze-Getty
“Ithimba lethu lababonisana likubonile lokhu ezweni lonke, laphawula ukuthi abakhi bezindlu abakhetha ukuxhasa amanani entengo yezindlu zabathengi, ukwehlisa izinga lentengo lehle libe ngaphansi kuka-5.5%, bathole impumelelo enkulu. Iningi lomakhi abakhulu kuleli lizwe ukuthenga izikweletu zezindlu zehle ngaphansi kuka-5.0%,” kusho isikhulu esiphezulu uJohn Burns kanye noMaegan Sherlock, umhlaziyi omkhulu wocwaningo, embikweni.
Kubathengi abaningi, inani lemali ebolekiwe linquma ukuthi yini abangakwazi ukuyikhokhela, ngoba ngokuvamile bagxila kancane emalini yasekhaya futhi bagxile kakhulu enkokhelweni yanyanga zonke; ukuthi inkokhelo yanyanga zonke imayelana nenani.
Uma abantu abaningi abangaba abathengi, nokho, bethi ngeke bathenge ngaphandle kokuthi bathole isilinganiso esingaphansi kuka-5.5%, bangase bahlale eceleni isikhashana. Amanani emali ebolekiwe abe ngaphezu kuka-6% cishe unyaka wonke futhi akulindelekile ukuthi ehle kakhulu kulo nyaka.
Ucwaningo lwango-April oluvela e-US News and World Report lubonakala luqinisekisa lokhu okutholakele: Ithole ukuthi ama-66% abantu baseMelika abahlela ukuthenga umuzi kulo nyaka bathi balinde kuze kwehle amanani.
“Amanani emali ebolekwayo acishe aphindwe kabili manje njengoba ayenjalo esikhathini esingangonyaka odlule, okukhulise izinselelo zokutholakala kwezindlu ngaphambi kwesizini yokuthengwa kwezindlu yasentwasahlobo ka-2023,” kubhala u-Erika Giovanetti, uchwepheshe wezimali mboleko kwa-US News, kukholamu edingida lolu cwaningo. okutholakele. “Abathengi banamuhla bazwela kakhulu emazingeni enzalo aguquguqukayo, futhi ukwehla okukhulu kwenani lemali mboleko kungenza imakethe iqhudelane.”
Ucwaningo lwezindaba zase-US luphinde lwathola ukuthi u-25% wabathengi bezindlu ababambele ama-rates aphansi balinde baze behle ngaphansi kuka-5%. Cishe izingxenye ezimbili kwezintathu zabaphendulile zithe kudingeke ukuthi behlise isabelomali sabo sezindlu ngenxa yezinga elikhona manje lentengo yezindlu.
Nakuba abanye abathengi bengakwazi ukuthenga ikhaya abangase balifune ngamanani anamuhla, abanye bakhetha ukungathengi ngoba nje bengawuthandi umqondo wenani eliphakeme, ngisho noma bengakwazi ukulikhokhela. Abathengi asebekhulile abazimisele kakhulu ukwamukela amanani aphezulu ngenxa nje yokuthi bake bawabona esikhathini esidlule, ngokombiko kaJohn Burns.
Abathengisi bezindlu abangaba khona, ngokufanayo, bathola amanani amanje angamukeleki, okunomthelela ekuntulekeni okukhulu kokuhlinzekwa kwempahla emakethe. Ukufakwa kuhlu okusha emasontweni amane aphele ngo-Ephreli 9 bekungaphansi ngo-25% kunesonto elifanayo ngonyaka owedlule, ngokusho kukaRedfin, inkampani ethengisa izindlu. Lokho kuqhubekisela phambili uchungechunge lwezinyanga eziyisishiyagalombili lokwehla kwamadijithi amabili.
“Ngisho noma i-Fed ikhetha ukungayinyusi inzalo ngenyanga ezayo, okungenzeka yehlise amanani ezindlu, ukutholakala kwezindlu ezithengiswayo kuzohlala kuyisithiyo esikhulu kulabo abafuna ukuthenga,” kubhala uDaryl Fairweather, isazi sezomnotho eRedfin. embikweni. “Amanani ashona ngaphansi kuka-6% angase avuse inzalo yabathengi abengeziwe, kodwa abanikazi bezindlu abanele banamanani ebangeni elingu-3% noma elingu-4% esingeke sikwazi ukubona ukukhuphuka okukhulu ezinhlwini ezintsha.”
