Kev muag tsev tshiab tau poob rau Lub Ob Hlis Raws li Plunging Affordability Poses 'Kev Sib Tw Xyoo' Rau Lub Tsev Ua Lag Luam

Tojsiab

Kev muag tsev tshiab tau poob qis rau lub hli dhau los mus rau theem qis tshaj txij li lub Kaum Ib Hlis, txuas ntxiv qhov kev poob qis tsis ntev los no hauv kev lag luam vaj tsev kub liab, tab sis cov kws lag luam tsis ntseeg tias qhov kev txo qis yuav pab thawb cov nqi tsev qis dua xyoo no.

Cov Lus Tseem Ceeb

Kev muag khoom ntawm tsev neeg ib leeg tshiab lub hli tas los tag nrho 772,000 ntawm kev hloov kho raws caij nyoog, nqis 2% txij lub Ib Hlis thiab 6% los ntawm ib xyoos ua ntej, raws li hnub Wednesday. daim ntawv qhia los ntawm US Census Bureau.

Tus nqi nruab nrab ntawm cov tsev tshiab yog $ 400,600, piv rau $ 423,300 thaum Lub Ib Hlis, tab sis tus nqi nruab nrab tau dhia los ntawm $ 496,600 txog $ 511,000, tshaj $ 500,000 thawj zaug, tsoomfwv tau hais.

Txawm hais tias muaj kev poob qis hauv kev muag tsev tshiab, Bank of America cov kws lag luam nyiaj txiag tau hais rau hnub Monday lawv ntseeg tias kev muag tsev tshiab yuav rov qab mus rau 800,000 xyoo no tau muab kev xav tau los ntawm cov teeb meem khoom noj tsis ntev los no thiab txuas ntxiv mus. nruj, lossis cov khoom siv qis thiab kev thov siab, hauv kev ua lag luam.

Cov neeg tau txais txiaj ntsig tseem ceeb ntawm kev sib kis thoob plaws lub sijhawm nruj yuav yog tus nqi tsev, Bank of America tau hais tias, kwv yees tus nqi tsev nruab nrab yuav dhia ntxiv 10% xyoo no.

Tsis yog txhua tus neeg poob qis: Ian Shepherdson, tus kws tshaj lij nyiaj txiag ntawm Pantheon Macroeconomics, tau sau rau hnub Monday tias kev lag luam vaj tsev nyob rau theem pib ntawm "kev poob qis" hauv kev ua haujlwm uas yuav pab tau tus nqi nruab nrab, tab sis tsis poob, sai li sai tau qhov no caij nplooj ntoos hlav.

Shepherdson taw qhia tias txawm hais tias qhov nruab nrab ntawm kev them nqi tsev txhua hli tau dhia ntau dua $ 400 toj ib hlis, cov ntaub ntawv los ntawm Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau pom tias 8% poob rau hauv daim ntawv thov qiv nyiaj - ua piv txwv txog kev lag luam qeeb uas tuaj yeem cuam tshuam ntau tus neeg muag khoom los ntawm kev teev npe lawv lub tsev.

Kev Nkag Siab Hais

"Lub xyoo no zoo li yuav yog ib lub xyoo nyuaj rau kev lag luam vaj tsev muab qhov tseem ceeb rau kev them taus thiab cov kev cov nyom tsis tu ncua," said Bank of America's Alexander Lin. "Russia-Ukraine tsis sib haum xeeb ntxiv qhov tseem ceeb tshiab rau kev sib xyaw vim tias cov nqi roj thiab cov khoom lag luam siab dua yuav hnyav rau cov neeg siv khoom muaj peev xwm siv lwm qhov, ua rau muaj kev txhawj xeeb tsis meej thiab kev poob nyiaj txiag, thiab txhawb nqa cov nqi nkag siab dua rau cov neeg tsim khoom."

Tus Keeb Kwm Tseem Ceeb

Keeb kwm kev txuag nyiaj siab thiab tsis tau pom dua los ntawm tsoomfwv cov kev txhawb nqa tau pab cuam tshuam kev yuav khoom hauv tsev thaum muaj kev sib kis. Kev muag khoom hauv tsev nruab nrab nqi yog $346,900 xyoo tas los, nce 17% mus rau qib siab tshaj plaws ntawm cov ntaub ntawv, raws li National Association of Realtors. Ntxiv rau qhov kev lag luam poob nyiaj nrog cov nyiaj ntsuab, "kev kub ntxhov" cov saw hlau tseem tau ua rau muaj kev tsis txaus ntseeg hauv vaj tse thiab cov nqi nce, raws li Bank of America. Lin hais tias, "Cov neeg tsim kho tau raug tsim txom," hais tias Lin, taw qhia cov tsev nyob hauv kev tsim kho xyoo tas los tau tshaj cov tsev tsim thawj zaug hauv keeb kwm, thaum cov tsev tau tso cai tab sis tsis tau pib mus txog qhov siab.

Dab Tsi Los Saib

Federal Reserve lub lim tiam dhau los tsa cov paj laum thawj zaug hauv ntau tshaj peb lub xyoos, ncaws tawm cov nqi nce ntxiv uas yuav ua rau muaj kev nqis peev tsawg-nrog rau cov qiv nyiaj yav tom ntej-ntau dua. "Kev lag luam tsis hloov pauv thiab qhov tsis paub tseeb ntawm kev ua tsov ua rog ua rau muaj kev cuam tshuam rau kev nce nqi tsev," hais tias Bankrate Tus Thawj Saib Xyuas Nyiaj Txiag Greg McBride, thaum ceeb toom tias cov kab qiv nyiaj hauv tsev yuav luag ib txwm nqa tus nqi sib txawv uas yuav pom yuav luag nce tam sim ntawd, thiab cov nqi tas li. tej zaum yuav pib nce ntxiv rau kev qiv nyiaj tshiab. Qhov nruab nrab 30-xyoo tus nqi qiv nyiaj tau los ntawm 3.4% mus rau 4.9% thaum lub sij hawm Fed lub voj voog hiking kawg.

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