Thaum cov nqi tsev qiv nyiaj ntaus 7% thaum lub caij nplooj zeeg, Austin-raws li tus neeg ua haujlwm qiv nyiaj Aaron Kovac tau npau taws me ntsis.
Tom qab kev muag khoom hauv tsev zoo heev thaum muaj cov paj laum qis, "kev ua lag luam tsuas yog nyob ntsiag to," tus neeg muaj hnub nyoog 32 xyoo, uas tau nyob hauv kev lag luam qiv nyiaj rau rau xyoo, hais rau MarketWatch hauv kev xam phaj.
Raws li kev lag luam vaj tsev poob qis, kev ntshai tau dhau mus. Kovac tau hais tias, "Qhov no yog thawj zaug kuv dhau los ntawm kev poob qis hauv kev lag luam vaj tsev," Kovac tau hais tias, "2022 yog xyoo txaus ntshai tshaj plaws ntawm kuv lub neej neeg laus thiab kev ua haujlwm."
"Nws yog tib zaj dab neeg nyob txhua qhov chaw - tsis yog nrog lwm tus qiv, tab sis kuj nrog cov neeg sawv cev ntawm vaj tse," nws hais ntxiv.
Cov neeg nyob hauv kev lag luam vaj tse tau hnov qhov mob, raws li cov neeg yuav khoom nyob rau sab nraud, tsis kam yuav tsev. Lub caij no, cov nqi tseem ruaj khov siab dua 6%.
"Yog tias koj tau qiv plaub mus rau yim lub hlis, koj muaj hmoo yog tias koj muaj ib lossis ob qho tam sim no. Ntau tus neeg uas kuv tau hais rau hauv kev lag luam, suav nrog kuv tus kheej, tau xav tias, 'Kuv puas tawm? Kuv puas xav tau txoj haujlwm thib ob los tuav cov khoom kom txog thaum lub khw rov qab los?'” Kovac hais.
Thiab qhov kev ntxhov siab los ntawm kev poob rau hauv cov neeg siv khoom yog qhov hnyav ntawm nws tus kheej nyiaj txiag, thiab kev noj qab haus huv ntawm lub hlwb, Kovac tau hais tias: "Txhua yam tsis paub tseeb, xav tsis thoob, kuv daim tshev nyiaj tom ntej yuav los ntawm qhov twg? Kuv yuav mus nrhiav tus neeg yuav khoom tom ntej no qhov twg?”
Kev lag luam vaj tsev yog 'txoj cai loj'
Kev lag luam vaj tse tab tom tab tom hloov pauv loj raws li tus nqi nce siab, nrog cov qiv nyiaj thiab cov tuam txhab lag luam txiav lawv cov neeg ua haujlwm los txiav kev poob.
Raws li kev thov nce ntxiv, nws cov neeg ua haujlwm hauv kev lag luam qiv nyiaj kuj tau nce, raws li pom hauv daim duab hauv qab no:
Kev lag luam qiv nyiaj tau loj hlob thaum muaj kev sib kis, raws li cov nqi poob qis.
Bureau of Labor Statistics
Tab sis raws li tus nqi nce thiab cov neeg yuav khoom thim rov qab, cov xwm txheej tau ua kom rov ua kom loj dua.
Cov tuam txhab lag luam vaj tse Redfin tau dhau los ntawm ob qhov kev tawm haujlwm, thaum Lub Rau Hli thiab Lub Kaum Ib Hlis, txo headcount los ntawm 27%. Compass, lwm tus brokerage, thiab tso cov neeg ua haujlwm nyob rau hauv lub tsev nyob downturn.
Cov qiv nyiaj kuj raug cuam tshuam, los ntawm Better - uas tau tso tawm 900 tus neeg ua haujlwm via Zoom meeting - rau Rocket Mortgage, uas muaj 8% ntawm nws cov neeg ua haujlwm yeem yuav khoom. JP Morgan Chase kuj tau tso tseg pua pua tus neeg ua haujlwm hauv nws lub tsev qiv nyiaj lag luam. Ib tus qiv nyiaj hauv Texas, First Guaranty Mortgage Corp., tau thov rau Tshooj 11 kev lag luam poob rau lub Rau Hli.
Muab qhov kev poob qis hauv cov nqi qiv nyiaj, cov lag luam yuav tsum tau txo qis ntawm ib lub hlis twg mus rau ib feem peb ntawm cov hauj lwm kom "txoj cai loj ntawm tag nrho kev lag luam," Mike Frantantoni, Lub Koom Haum Nyiaj Txiag Nyiaj Txiag hauv kev lag luam pawg thawj coj saib xyuas nyiaj txiag, hais rau MarketWatch ua ntej lub xyoo no. Nws kuj tau sau ib tsab xov xwm hais txog cov lej hauv Lub yim hli ntuj.
'Nws zoo li sharks hnov ntshav hauv dej'
Rau cov neeg ua haujlwm hauv kev lag luam qiv nyiaj, zoo li Kovac, qhov xwm txheej hauv av yog nruj, hais qhov tsawg tshaj plaws.
Nyob rau hauv Austin, kev lag luam kub thoob ntiaj teb, kev thov tau muaj zog nyob rau ob xyoos dhau los txij li cov nqi tsev qiv nyiaj tau qis qis. Thaum Lub Ib Hlis 2022, Kovac tau hais tias nws tau kaw qhov qiv nyiaj rau tus neeg yuav khoom nrog tus nqi ntawm 2.75% - qhov qis tshaj xyoo no nws tau ruaj ntseg rau tus neeg siv khoom.
Tab sis nrawm nrawm rau nruab nrab Lub Kaum Ib Hlis, cov nqi tau dhia ntau heev uas cov neeg siv khoom tsis zoo siab: Lub hli ntawd, nws tau kaw qhov qiv nyiaj rau lwm tus neeg yuav khoom nrog tus nqi ntawm 7.65%.
Thaum cov qiv nyiaj no muaj cov qhab nia sib txawv, cov nqi qis rau kev them nyiaj thiab lwm yam, yog li muaj cov nqi sib txawv hais rau lawv, qhov sib txawv loj ntawm ob yog ib yam ntawm Kovac txhais tes.
Nyob rau lub sijhawm no, cov qiv nyiaj tab tom nrhiav kev lag luam. Kovac tau hais tias "Yog tias muaj ib tus neeg yuav khoom tawm hauv kev lag luam tab tom nrhiav yuav, txhua tus qiv nyiaj tau tawm tsam lawv thiab sim mus kom tsawg li sai tau," Kovac tau hais. "Nws zoo li sharks nqus ntshav hauv dej tam sim no."
Kovac, uas yog tus broker nrog Good Faith Mortgage, thiab nws tus poj niam, uas tseem nyob hauv kev lag luam qiv nyiaj, tau txiav lawv cov peev nyiaj hauv tsev ntau npaum li lawv tuaj yeem nyob twj ywm.
Kovac muag nws lub tsheb, uas txuag nws txog $ 1,200 ib hlis, thiab txiav ntau cov npe xws li Amazon Prime thiab Netflix, kom txo cov nuj nqis txhua hli. Nws hais tias nws kuj yuav tsum tau tshem tawm ntau qhov kev mus ncig, suav nrog kev ya davhlau rov qab los tsev rau Chicago rau nws txiv leej txiv lub hnub yug thiab rau nws tus phooj ywg zoo tshaj plaws tshoob, thiab rau Mexico City rau nws tus poj niam yawg lub ntees tuag.
Ib cag ntawm kev qiv nyiaj hauv nws lub tsev tam sim no, nws kuj tau them txog $ 44,000 hauv cov tub ntxhais kawm qiv nyiaj.
Nws tseem tab tom tshawb nrhiav ntau txoj hauv kev kom tau nyiaj, los ntawm kev sib qhia qee yam ntawm nws cov kev txawj ntse hauv kev tshaj xov xwm, thiab sau ntawv blog.
Tab sis nws nyuaj heev, vim nws ua haujlwm rau tus kheej thiab kev lag luam poob qis. Thaum nws yav dhau los nrog lub txhab nyiaj, thaum nws hais tias nws tsis muaj kev ywj pheej tsawg, nws tsawg kawg yog kos cov nyiaj hli tsis tu ncua thiab tau txais txiaj ntsig kho mob.
Niaj hnub no, cov neeg siv khoom tau ntxhov siab vim cov nqi hloov pauv, qee zaum ntau zaus hauv ib hnub, Kovacv tau hais.
Thaum tus neeg siv khoom tau txais kev tsim nyog ua ntej rau kev qiv nyiaj, nrhiav lub tsev, thiab rov qab los rau tus qiv ob peb lub lis piam tom qab, tus nqi yuav nce mus, thiab nws yuav tsum tau tshaj tawm xov xwm rau lawv.
"Thiab thaum kuv muab tsab ntawv tshiab ua ntej tsim nyog, lawv zoo li, 'Whoa, vim li cas tus paj laum thiaj li siab dua?' Nws yuav luag zoo li lawv xav tias peb tab tom ua qee yam kab nuv ntses thiab hloov, uas tsis yog qhov teeb meem, "nws hais.
Kev sib tw nrog cov neeg tsim vaj tsev thiab cov deals uas lawv nyob nraum pov rau hauv tsev buyers tau ua lwm yam kev tawm tsam. Ntau tus neeg tsim khoom tau muab tus nqi yuav khoom, tau them tus nqi kaw, ntawm lwm qhov kev txhawb siab, kom ntxias cov neeg yuav khoom mus yuav tsev.
Kovac tau hais tias "Txhua lub sijhawm kuv tso cai rau tus neeg siv khoom ua ntej thiab tom qab ntawd lawv rov qab los thiab muab daim ntawv cog lus rau kuv thiab nws yog los ntawm tus tsim, Kuv paub nrog 99% tseeb tias kuv poob qhov kev pom zoo," Kovac tau hais tias, "vim tias tsis muaj ib txoj hauv kev qiv nyiaj. tuaj yeem sib tw nrog yam lawv tau muab. "
Thaum 2022 yog xyoo "txaus ntshai" rau Kovac, nws vam tias 2023 yuav ua rau nws muaj hmoo zoo dua thaum nws tsev neeg taug kev mus rau qhov tsis txaus ntseeg ntawm cov nqi tsev qiv nyiaj.
Kovac tau hais tias "Peb tsis paub tias yav tom ntej yuav muaj dab tsi rau peb ... peb nyuam qhuav tuav peb lub siab txhua xyoo," Kovac tau hais tias, "vim tias muaj kev tsis txaus ntseeg ntau hauv kev lag luam, qhov ntawd tau ua rau muaj kev tsis paub tseeb ntawm peb tus kheej nyiaj txiag."
Yog tias koj nyob hauv kev lag luam vaj tsev thiab xav qhia koj zaj dab neeg, hu rau MarketWatch tus neeg sau xov xwm vaj tsev Aarthi Swaminathan ntawm [email tiv thaiv]
Tau qhov twg los: https://www.marketwatch.com/story/2022-has-been-the-scariest-year-of-my-adult-and-professional-life-one-mortgage-broker-reveals-how-the- vaj tse-slowdown-upended-financial-security-11672436820?siteid=yhoof2&yptr=yahoo