Kuv yog COO ntawm lub tuam txhab qiv nyiaj uas tau txais nyiaj ntau dua $ 100 txhiab nyiaj qiv. Nov yog 3 yam uas koj yuav tsum paub txog kev lag luam vaj tsev tam sim no

Cov nqi tsev qiv nyiaj nce siab tshaj 6% lub lim tiam dhau los, raws li Bankrate cov ntaub ntawv, nrog qee tus neeg hais tias lawv yuav mus siab dua. (Koj tuaj yeem pom cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.) Ntxiv rau qhov ntawd, cov nqi tsev tau nce ntau dua 20% xyoo dhau los, ua rau muaj kev nyuaj siab rau ntau tus neeg yuav khoom hauv tsev. Thiab nws yuav ua rau lawv xav tsis thoob: Kuv yuav tsum paub dab tsi yog tias kuv xav yuav tsev tam sim no? Yog li - raws li ib feem ntawm peb series qhov twg peb nug txog kev lag luam vaj tsev uas muaj txiaj ntsig zoo rau lawv txoj kev xav ntawm kev lag luam vaj tsev - peb tau tham nrog Steve Reich. Nws yog COO ntawm Nyiaj Txiag ntawm Asmeskas Cov Nyiaj Them Nqi, lub tuam txhab nyiaj txiag hauv tsev uas hais tias nws tau pab nyiaj ntau dua $ 105 nphom hauv cov neeg siv khoom qiv txij li xyoo 2015, uas muaj ob xyoos dhau los ntawm kev paub txog kev them nqi tsev, kev sau nyiaj txiag thiab ntau dua. Ntawm no yog nws cov kev xav ntawm lub tsev lag luam tam sim no.

Cov teeb meem kev them taus yog muaj tiag tam sim no

"Peb pom tus nqi hauv tsev txaus siab me ntsis thaum kawg ntawm xyoo tas los, tab sis nyob rau thawj ib nrab ntawm 2022 peb tau pom lwm qhov kev nce ntxiv nrog cov nqi tsev dhia yuav luag 20% ​​xyoo dhau los ntawm Lub Ob Hlis," hais Reich. Cov kws tshaj lij (xws li Daryl Fairweather, Redfin tus thawj coj nyiaj txiag, uas peb kuj tau xam phaj rau no series) tau sau tseg tias peb yuav muaj peev xwm mus txog qhov chaw uas qhov kev loj hlob zoo li no tsis tuaj yeem nyob ruaj khov, thiab yog tias yog li ntawd peb yuav cia siab tias tus nqi hauv tsev yuav qeeb tom qab xyoo no. "Txawm li cas los xij, nyob rau lub sijhawm ze, kev nce nqi hauv tsev siab dua yuav muaj kev cuam tshuam loj npaum li cas tsev neeg muaj peev xwm them taus yuav lossis raug nqi tawm ntawm lub khw," Reich hais.

Lwm qhov uas yuav tsum nco ntsoov yog tias cov nqi nce ntxiv tuaj yeem ntxiv teeb meem ntxiv rau qhov teeb meem pheej yig. "Ntawm ib sab, kuv xav tias kev ntshai ntawm kev ploj mus ntawm tus nqi qis tau ua rau qee tus nqi nce siab uas peb pom tias cov neeg yuav khoom yuav maj nrawm mus rau hauv tsev thiab nkag mus rau kev sib tw. Nyob rau lub sijhawm ntev, txawm li cas los xij, tus nqi siab dua yuav cuam tshuam qee tus neeg yuav khoom thiab thaum kawg tso qhov kev xav tau, "Reich hais. (Koj tuaj yeem pom cov nqi tsev qis tshaj plaws uas koj tuaj yeem tsim nyog rau ntawm no.)

Cov tswv tsev yuav tsis kam muag lawv lub tsev - uas tej zaum yuav sib sau cov khoom vaj khoom tsev nruj

Cov khoom lag luam vaj tsev tseem nyob hauv cov ntaub ntawv qis. Peb nyob hauv "lub caij tseem ceeb vaj tsev nyob, thaum ntau tsev neeg nyiam tso lawv lub tsev rau ntawm kev ua lag luam thiab npaj txav mus rau lub caij ntuj sov tom qab xyoo kawm ntawv," Reich sau tseg. Tab sis, nws hais ntxiv tias, "tsis muaj qhov tsis paub meej txog yuav muaj cov khoom muag ntau npaum li cas. Tseeb tiag, "rau qee tus tswv tsev uas tau kaw cov nqi qis qis 2% lossis 3%, lawv yuav tsis kam muag lawv lub tsev thiab saib mus yuav tsev tshiab paub tias lawv yuav them ntau dua rau cov paj laum tam sim no," hais Reich. . 

Nyob rau sab kev tsim kho vaj tsev tshiab, thaum nws tsis paub meej tias qhov cuam tshuam tag nrho ntawm kev nce nqi ntev npaum li cas yuav nyob ntawm qhov muaj cov chav tshiab txav mus tom ntej, qhov cuam tshuam ntawm cov teeb meem ntawm cov khoom lag luam, kev tsis txaus ua haujlwm thiab cov nqi roj nce ntxiv yuav zoo li txuas ntxiv mus rau qhov tshiab. -Cov nqi tsim tsev, cov neeg ua haujlwm thiab lwm qhov chaw ntawm vaj tse thiab vaj tse toj roob hauv pes, raws li Reich. 

Txhawm rau sib tw hauv kev ua lag luam nyuaj no, koj yuav xav tau kev sib tw sib tw

Muab cov xwm txheej no, cov neeg yuav khoom yuav tsum paub tias txhawm rau sib tw hauv kev lag luam ib puag ncig tam sim no thiab tau txais koj qhov kev lees paub, koj yuav xav tau kev sib tw muaj zog. "Koj yuav tsum tau muaj tswv yim: Xav txog qhov txwv tsis pub muaj kev cuam tshuam hauv koj qhov kev thov yog tias ua tau thiab tsis txhob thov qiv nyiaj ntau dhau. Qhia cov neeg muag khoom tias koj tuaj yeem hloov pauv tau ntawm lub sijhawm ncua sijhawm, piv txwv li, muab kaw sai dua lossis tseem cia tus neeg muag khoom ua daim ntawv cog lus qiv rov qab yog tias lawv xav tau sijhawm ntxiv mus tawm lossis nrhiav lwm lub tsev, "Reich hais. Muaj tsab ntawv pom zoo ua ntej hauv tes, kev them nyiaj ntau dua thiab kev sau ua ntej tuaj yeem ntxiv dag zog rau koj qhov kev thov nyiaj txiag thiab ua rau koj yog tus neeg yuav khoom zoo dua.

Qhov ntawd tau hais tias, qhov kev sib tw yuav tsum muaj kev sib txawv ntawm kev lag luam mus rau kev ua lag luam (thiab tau kawg los ntawm tsev mus rau ib lub tsev) - nrog qee qhov kev lag luam ntau dua, thiab tsawg dua, kev sib tw dua lwm tus. Tseeb tiag, Redfin's Fairweather tsis ntev los no tau hais rau MarketWatch Picks tias peb tab tom pom cov cim qhia ntxov tias lub tsev lag luam pib txias, yam tsawg kawg hauv cov nqi metro metro. "Cov neeg yuav khoom hauv kev lag luam xws li Los Angeles, San Francisco, Boston thiab Seattle uas tau poob rau ntau qhov kev sib tw sib tw yuav pom tias lawv tab tom ntsib kev sib tw tsawg dua los ntawm lwm tus neeg yuav khoom dua li ib hlis lossis ob xyoos dhau los," Fairweather hais.