Qhov cuam tshuam tiag tiag ntawm Kev Ua Lag Luam Vaj Tsev

Qhov tseem ceeb Takeaways:

• Kev lag luam vaj tsev poob qis tshwm sim thaum muag tsev poob rau rau lub hlis ncaj, uas tau tshwm sim thaum Lub Xya Hli 2022.
• Ob lub zog tseem ceeb yog tsav lub tsev lag luam kev lag luam poob qis: nce tus nqi paj thiab nce nqi kev tsim kho.
• Thaum cov vaj tse rov qab ua tiav, peb yuav nkag mus rau lub voj voog rov qab vaj tsev. Qhov no yog lub sijhawm zoo tshaj plaws los yuav cov khoom lag luam hauv qab no.

Thoob plaws hauv Tebchaws Meskas, peb tau pom cov neeg yuav khoom yav tom ntej tawm tsam kom nrhiav tau lub tsev pheej yig thiab tau txais kev lees txais hauv ob peb xyoos dhau los. Tam sim no peb tab tom pom cov tib cov neeg yuav khoom yav tom ntej tig skittish li cov nqi tsev poob. Ntau tus kws tshaj lij tab tom sib cav seb qhov no puas yog kev lag luam vaj tsev nyob lossis tsuas yog kev kho ntawm huab cua nce ntawm tus nqi tsev thaum lub sijhawm thiab tom qab muaj kev sib kis. Cov ntaub ntawv tsis ntev los no tau taw qhia txog kev lag luam vaj tsev poob qis, tab sis qee tus ntseeg tias nws yog kev lag luam vaj tsev tsuas yog vim cov neeg tsim khoom tsis tsim.

Tus nqi vaj tsev poob qis npaum li cas?

Peb tau pom thaum kawg pom qhov thim rov qab los ntawm kev dhia nrawm ntawm cov nqi vaj tsev, tab sis cov lus nug tiag tiag yog nyob deb npaum li cas cov nqi tsev yuav poob? Raws li cov paj laum nce siab dua thiab kev muag khoom hauv tsev txo qis, cov nqi vaj tsev tau nqis los. Kev ploj mus yog hnub ntawm COVID-19 cov vaj tsev loj hlob uas ua rau muaj kev sib tw ua tsov rog, txhua qhov nyiaj ntsuab, thiab nce nqi tsev thoob plaws lub tebchaws.

Thaum twg yog lub sijhawm tsim nyog nkag mus rau hauv kev lag luam vaj tsev?

Nov yog ib qho ntawm cov lus nug tseem ceeb tshaj plaws uas cov neeg nug niaj hnub no vim tias kev yuav khoom yog ib qho kev txiav txim siab kim tshaj plaws uas peb yuav tau ua. Nws yog lub sijhawm tsim nyog nkag mus rau hauv kev ua lag luam thaum koj tuaj yeem nrhiav tau lub tsev uas koj tuaj yeem them taus; qhov no txhais tau hais tias tus nqi yuav khoom tag nrho nrog rau cov nqi qiv nyiaj txhua hli. Hmoov tsis zoo, cov nqi tsev qiv nyiaj ntau dua ua rau lub sijhawm nyuaj rau ntau tus neeg nkag mus rau lub tsev lag luam.

Dab tsi inputs tsav lub lag luam vaj tse tam sim no?

Kev muag tsev, kev pib vaj tsev tshiab, thiab cov nqi tsev qiv nyiaj yog cov khoom siv uas ua rau kev lag luam vaj tsev. Nyob rau hauv ib tsab xov xwm dhau los no, peb faib cov lej hauv qab no:

"Lub tsev pib, lossis cov tsev tshiab tab tom tsim, plunged 9.6% thaum Lub Xya Hli, 2022. Tus naj npawb ntawm kev tsim kho tshiab tag nrho tsuas yog 1.4 lab, lossis 100,000 tsawg dua li qhov xav tau, thaum daim ntawv tso cai tsim tsev poob 1.8% txij lub Rau Hli theem."

Kev lag luam vaj tsev nyob yog dab tsi?

Kev lag luam vaj tsev poob qis tshwm sim thaum muag khoom hauv tsev poob rau rau lub hlis ncaj, uas tau tshwm sim thaum Lub Xya Hli 2022. Lub Koom Haum Saib Xyuas Kev Lag Luam Hauv Tebchaws (NAR) nyuam qhuav luam tawm cov ntaub ntawv tshiab hais tias kev muag khoom hauv tsev tam sim no tau nqis 5.9% rau Lub Xya Hli 2022 thiab 20.2% los ntawm ib xyoos dhau los.

NAR Tus Thawj Saib Xyuas Kev Lag Luam Lawrence Yun tau sau tseg rau hauv lub xeev, "Peb tab tom pom kev lag luam vaj tsev nyob rau hauv cov nqe lus ntawm kev muag tsev thiab kev tsim vaj tsev ... Txawm li cas los xij, nws tsis yog kev lag luam hauv tsev. Cov khoom muag tseem nruj, thiab cov nqi tseem nce ntxiv hauv tebchaws, nrog ze li 40% ntawm cov tsev [hauv khw] tseem hais kom tag nrho cov nqi teev. "

Yog li dab tsi tiag tiag ua rau qhov pom meej vaj tsev lag luam kev lag luam poob qis?

Ob lub zog tseem ceeb yog tsav lub tsev lag luam kev lag luam poob qis: nce cov paj laum (ua tsaug rau kev nce nqi tsis ntev los no los ntawm Tsoom Fwv Teb Chaws Reserve) thiab nce nqi kev tsim kho. Nyob rau hauv ib puag ncig uas muaj cov paj laum siab dua li peb tau pom hauv kaum xyoo, ntau tus neeg yuav khoom tshiab tsis kam yuav tsev.

Tus nqi ntawm cov khoom siv tsim kho tau nce ntxiv thaum lub sij hawm muaj kev sib kis thoob ntiaj teb kev lag luam qeeb. Tom qab kis thoob qhov txhia chaw, cov nqi no tsis tau rov qab mus rau qhov qub vim tias kev nce nyiaj ntau tau ua rau tus nqi ntawm cov khoom nce siab dua.

Kev sib xyaw ua ke ntawm ob lub zog no tau tsav ntau tus neeg yuav khoom hauv tsev los ntawm kev ua lag luam vaj tsev.

Lub sijhawm no, nws tseem ceeb heev uas yuav tsum nco ntsoov tias cov kws tshaj lij hauv xov xwm tsis yog cov kws qhia yav tom ntej uas muaj peev xwm clairvoyant. Thaum cov kws tshaj lij ua lawv qhov zoo tshaj plaws los twv seb yuav muaj dab tsi tshwm sim raws li cov ntaub ntawv siv tau, tsis muaj leej twg tuaj yeem hais meej tias yuav muaj dab tsi tshwm sim yav tom ntej. Qhov no yog vim li cas peb yuav tsum saib cov tswv yim muaj tseeb los pab peb taug qab thiab kwv yees kev txav ntawm vaj tse.

Taug qab thiab kwv yees kev txav ntawm vaj tse

Koj yuav tsum taug qab kev txav ntawm vaj tsev kom pom qhov cuam tshuam ntawm kev lag luam vaj tsev nyob rau kev lag luam thiab rov ua dua.

Koj taug qab kev txav ntawm vaj tsev li cas?

Kev tsim tsev pib pib

Kev pib tsim tsev hauv tsev yog qhov taw qhia ntawm kev lag luam vaj tsev. Cov Kev Suav Neeg Suav Neeg tsis ntev los no tau tshaj tawm qee qhov kev poob siab. Lub tsev pib (kev tsim kho tshiab) poob 9.6% thaum Lub Xya Hli 2022.

Txij li cov neeg tsim khoom ua rau muaj kev xav tau vaj tsev nyob, peb yuav tsum tau ceeb toom ntawm tus lej no vim nws tuaj yeem cuam tshuam rau kev lag luam vaj tsev nyob rau xyoo tom ntej. Piv txwv li, yuav ua li cas yog tias cov paj laum poob thiab muaj cov tsev tsis txaus kom haum rau qhov kev thov?

Kev xav index

Raws li National Association of Home Builders (NAHB), cov kev xav hauv tsev muaj poob rau yim lub hlis ncaj, tsoo 49 thaum Lub Yim Hli (qhov txo qis 6-point). Txhua yam qis dua 50 yog suav tias yog qhov tsis zoo. Txij li thaum cov neeg yuav khoom thiab cov neeg tsim khoom tau tawm tsam nrog cov nqi siab dua, qhov ntsuas tau nyob rau hauv qhov tsis zoo rau thawj zaug txij li xyoo 2014 (tsuas yog qhov luv luv thaum pib muaj kev sib kis).

Tus naj npawb ntawm kev muag khoom hauv tsev

Raws li kev soj ntsuam tshiab los ntawm Redfin, txog 63,000 daim ntawv cog lus yuav tsev tau raug tshem tawm thaum Lub Xya Hli 2022, uas sawv cev txog 16% ntawm tag nrho cov ntawv cog lus hauv tsev rau lub hli. Qhov no yog qhov feem pua ​​​​ntawm kev tshem tawm ntau tshaj plaws txij li thaum muaj kev sib kis thoob plaws lub tsev muag khoom hauv lub Peb Hlis thiab Plaub Hlis 2020.

Nrog cov tsev nyob hauv kev ua lag luam ntev dua, cov neeg yuav khoom pib paub tias lawv muaj hwj chim ntau dua. Nrog rau qhov kev muaj peev xwm nrhiav tau tshiab no, cov neeg yuav khoom tau thov kev kho ntxiv vim tias lawv tuaj yeem ua qhov kev lees paub tam sim no uas lawv tsis xav tau. Lwm tus neeg yuav khoom tsis tuaj yeem kaw qhov kev sib cog lus vim tias lawv tsis tsim nyog rau kev qiv nyiaj vim tias cov paj laum nce ntxiv. Cov tsev tau pheej yig dua nrog cov paj paj ntawm ib ncig ntawm 3% piv rau 5%.

Kev muag tsev tshiab tau poob 9.6% thaum Lub Xya Hli 2022 vim tias cov neeg tsim khoom tau teb rau qhov kev xav tau ntawm cov haujlwm tshiab.

National Association of Realtors qhia txog kev muag cov tsev uas twb muaj lawm

Txij li thaum NAR tshaj tawm tias kev muag khoom ntawm cov tsev uas twb muaj lawm tau nqis 5.9% rau Lub Xya Hli, qhov no tau qhia rau ntau tus kws tshaj lij tias kev lag luam vaj tsev tau pib ua haujlwm.

Tus nqi nruab nrab uas twb muaj lawm-tsev muag khoom tau nce 10.8% los ntawm xyoo tas los mus rau $ 403,800. Qhov ntawd tau nqis $10,000 los ntawm lub hli dhau los cov ntaub ntawv siab.

Tsis ntev los no nce hauv cov nqi tsev qiv nyiaj

Dab tsi cuam tshuam qhov kev nce qib ntawm cov nqi tsev qiv nyiaj tsis ntev los no muaj nyob rau hauv kev lag luam vaj tsev? Cov nqi qiv nyiaj nce ntxiv tau ua rau ntau tus neeg tawm ntawm kev ua lag luam vim tias lawv tsis tsim nyog rau lub tsev qiv nyiaj lossis tsis xav kom daig nrog astronomical qiv nyiaj los ntawm kev yuav tsev ntawm tus nqi nce.

Tsev nqi ntsuas

Tsis ntev los no cov ntaub ntawv tso tawm los ntawm NAR qhia tau hais tias kev yuav tsev yog qhov pheej yig tshaj plaws uas nws tau nyob hauv ntau dua peb xyoos lawm. Cov nqi vaj tsev pheej yig, suav nrog tus nqi nruab nrab ntawm tsev neeg ib leeg, tus nqi qiv tsev, thiab cov nyiaj tau los nruab nrab ntawm tsev neeg, mus txog 98.5 hauv Lub Rau Hli. Tus lej no yog 32.2% txo txij li Lub Rau Hli 2021 thiab qhov qhab nia phem tshaj plaws txhua hli txij li xyoo 1989.

Kev poob nyiaj hauv vaj tse tsis zoo sib xws nrog cov nyiaj nce siab tshaj plaws nyob rau hauv ntau dua 40 xyoo, ua rau qhov kev lag luam kev lag luam no muaj kev txhawj xeeb tiag tiag.

Lub Vaj Huam Sib Luag

Txhawm rau kom nkag siab qhov tseem ceeb ntawm kev lag luam vaj tsev nyob, peb yuav tsum saib lub voj voog ntawm kev lag luam vaj tsev los ntawm keeb kwm kev xav. Plaub theem ntawm lub voj voog ntawm vaj tse yog kev rov qab los, kev nthuav dav, kev xa khoom siab, thiab kev poob nyiaj txiag. Txij li nws tau pom tseeb tias peb tam sim no nyob rau hauv kev lag luam poob qis, peb yuav tsum tau saib rau theem tom ntej ntawm lub voj voog.

Dab tsi tshwm sim tom qab kev lag luam vaj tse?

Thaum cov vaj tse rov qab ua tiav, peb yuav nkag mus rau lub voj voog rov qab vaj tsev. Qhov no yog lub sijhawm zoo tshaj plaws los yuav cov khoom lag luam hauv qab no. Txawm li cas los xij, nws tsis yog ib txwm yooj yim qhia thaum lub voj voog no tau pib.

Yuav ua li cas sai li sai tau lub vaj tsev rov qab los tom qab muaj kev lag luam?

Qhov no yog qhov uas tej yam tsis yooj yim hauv lub voj voog vaj tsev raws li qhov cuam tshuam ntawm kev lag luam poob qis tam sim no, thiab ntau tus neeg tsis txaus siab los nqis peev hauv lossis yuav vaj tsev. Tau kawg, koj yuav tsis paub tseeb tias thaum twg lub sijhawm rov qab pib, tab sis ob lub cim tseem ceeb suav nrog:

• Cov nqi vaj tsev tau nce siab tom qab qis dua, cov nqi nce los ntawm lawv qhov qis tshaj plaws.
• Kev lag luam dav dav tau rov zoo, kev ua haujlwm nce ntxiv thiab muaj cov cim qhia tias kev lag luam ua tau zoo.

Koj kuj tsis tuaj yeem tsis quav ntsej lub luag haujlwm ntawm tsoomfwv cov cai hauv kev txhawb nqa kev lag luam. Qhov no yog vim li cas ntau tus kws tshaj lij tau mob siab rau tos Fed cov lus tshaj tawm rau lub Cuaj Hli.

Kev poob vaj tsev nyob txhais li cas?

Rau cov neeg muag khoom, kev lag luam vaj tsev nyob txhais tau tias koj yuav tsum tau npau taws rau koj qhov kev cia siab. Tej zaum koj yuav tsis tau txais kev sib tw sib tw uas koj tau cia siab rau, thiab cov nqi siab yuav ua rau qee tus neeg yuav khoom txaus ntshai. Koj lub tsev tuaj yeem nyob hauv khw rau lub sijhawm ntev dua, thiab cov neeg yuav khoom muaj peev xwm xav tau ntau dua los ntawm koj ntawm kev kho.

Raws li tus neeg yuav khoom, koj yuav tsum lees txais qhov tseeb ntawm cov khoom muag tsawg thiab cov paj laum ntau dua. Tej zaum koj yuav xav nrhiav lwm yam cuab yeej cuab tam chav kawm yog tias koj tsuas yog saib cov vaj tsev raws li kev nqis peev txij li qhov tsis paub tseeb yuav txuas ntxiv rau lub sijhawm tsis paub.

Koj puas yuav tsum tau yuav tsev thaum muaj kev lag luam vaj tse poob qis?

Peb twb ntsia lub tswv yim ntawm yuav tsev thaum muaj kev poob nyiaj txiag feem ntau, tab sis ua li cas txog kev lag luam vaj tse? Nrog rau cov nqi paj siab thiab nce nqi ntawm kev tsim kho, tej zaum koj yuav xav tuav tawm ntawm kev yuav khoom vaj tse kom txog thaum lub lag luam ruaj khov kom koj tsis txhob raug kaw rau hauv tus nqi paj siab dua ntawm lub tsev uas koj tau yuav rau tus nqi saum toj no. .

Txawm li cas los xij, yog tias koj pom tias cov nqi vaj tsev poob qis thiab koj pom koj tus kheej zaum ntawm qhov kev them nqi qis rau koj lub tsev, tej zaum koj yuav xav siv lub sijhawm tshwj xeeb no.

Muaj tsib qhov txiaj ntsig mus sij hawm ntev ntawm kev muaj vaj tsev:

• Thaum koj tau txais 30-xyoo qiv, nws yog ib qho kev tiv thaiv kev nce nqi. Cov nqi xauj tsev yuav nce mus, tab sis koj cov nqi tsev 30 xyoo yuav khaws tus nqi tib yam tshwj tsis yog tias koj rov them nyiaj rau qis dua.
• Muaj cov txiaj ntsig se rau kev muaj vaj tsev.
• Nyob rau lub sijhawm ntev horizons, koj tuaj yeem cia siab tias yuav pom tus nqi txaus siab hauv vaj tsev.
• Koj tab tom them cov nyiaj qiv dhau sijhawm, muab kev ncaj ncees rau koj hauv ib qho cuab tam.
• Koj xav tau ib qho chaw nyob, yog li muaj lub tsev muaj kev ua haujlwm zoo.

Qee lub sij hawm vaj tsev yog qhov kev nqis peev zoo uas muab rau koj nrog kev txaus siab txhua xyoo. Lwm lub sij hawm, koj qhov chaw nyob tseem ceeb tsuas yog qhov chaw rau koj los tsa koj tsev neeg hauv zej zog. Lub sijhawm tsis yog ib qho kev xaiv rau peb txhua tus.

Cov vaj tse raws li kev nqis peev hauv koj cov ntaub ntawv.

Peb saib cov khoom lag luam, daim ntawv cog lus, nyiaj ntsuab thiab vaj tsev raws li plaub yam cuab yeej cuab tam tseem ceeb ntawm kev nqis peev. Cov vaj tsev tseem tuaj yeem raug saib raws li lwm yam khoom vaj khoom tsev hauv chav kawm vim tias muaj qee lub sijhawm uas kev lag luam vaj tsev yuav coj tus cwj pwm tsis sib xws nrog rau cov khoom lag luam thiab cov ntawv cog lus. Qhov no dhau los ua ib txoj hauv kev txaus nyiam kom muaj kev sib txawv ntawm cov ntaub ntawv los ntawm kev muaj cov khoom ntiag tug raws li kev nqis peev.

Thaum koj xav txog kev muaj vaj tsev nyob hauv koj cov peev txheej, muaj ntau lub tuam txhab pej xeem xaiv los ntawm thiab txoj hauv kev kom muaj vaj tsev nrog koj cov nyiaj, Q.ai tuaj yeem pab rub cov cuab yeej cuab tam hauv koj cov ntaub ntawv thiab huab cua qhov kev hloov pauv tuaj. Qhov zoo tshaj plaws, koj tuaj yeem qhib Kev Tiv Thaiv Portfolio txhua lub sijhawm los tiv thaiv koj cov txiaj ntsig thiab txo koj cov kev poob, txawm tias koj nqis peev hauv kev lag luam dab tsi.

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