Xyoo tas los 3 feem pua taw tes nce nyob rau hauv cov nqi tsev, ua ke nrog cov nqi tsev uas dhia tshaj 40% thaum lub sij hawm Pandemic Housing Boom, tau raug nqi ntau lab tus neeg yuav khoom hauv tsev.
Tus neeg yuav khoom ntse ntawd rub rov qab los ntawm tsawg dua lub sijhawm zoo tshaj plaws rau Asmeskas cov neeg tsim tsev. Saib, kev sib xyaw ua ke ntawm kev sib kis cuam tshuam txog kev sib txuas ntawm cov khoom lag luam thiab cov khoom seem ntawm cov neeg yuav khoom txaus siab thaum lub sijhawm tawg, pom tag nrho cov chav nyob hauv kev tsim kho mus txog qib keeb kwm xyoo tas los. Thiab hais tias keeb kwm backlog, nrog rau spiked tshem tawm tus nqi, txhais tau hais tias cov neeg yuav khoom thaum kawg muaj qee qhov kev sib tham muaj zog tshaj cov neeg tsim khoom.
Yuav kom paub seb yuav ua li cas cov neeg yuav khoom tuaj yeem tawm tsam qhov zoo dua nrog cov neeg tsim khoom, Fortune hu mus rau John Downs, tus kws pab tswv yim qiv nyiaj uas tau lees paub thiab tus lwm thawj coj loj ntawm Vellum Mortgage.
Thawj qhov ua kom yuam kev yog tsuas yog siv cov kev sib tham tsis sib haum xeeb, xws li muab qis, lossis siv cov qiv nyiaj sab nraud "kom cov neeg qiv nyiaj ncaj ncees," Downs hais. Qhov thib ob ua kom yuam kev yog saib seb qhov kev txhawb siab cov neeg tsim khoom tuaj yeem muab tau li cas.
Tsis zoo li cov tswv tsev - uas tsis tshua muaj peev xwm muab qhov ncaj ncees uas lawv muaj - cov neeg tsim khoom tsuas yog poob nyiaj. Yog li thaum lub lag luam hloov pauv, cov neeg tsim khoom tuaj yeem txo tus nqi thiab / lossis pov tawm cov kev txhawb siab xws li them cov nqi kaw (uas tuaj yeem kwv yees li ntawm 2% mus rau 5% ntawm koj cov qiv nyiaj qiv), muab tsev qiv nyiaj buydowns (cov neeg tsim khoom them nyiaj qiv nyiaj los txo cov nqi qiv nyiaj rau cov neeg yuav khoom tom ntej), them cov tswv cuab hauv tsev, lossis ua kev hloov kho thoob plaws hauv kev tsim kho.
"Rau cov neeg tsim khoom, nws yog kev lag luam," Downs hais. "Nws txawv heev dua li cov tswv tsev niaj hnub uas nws yog lawv cov nyiaj khaws cia hauv network. Yog li rau tus tsim, nws tsuas yog kev txiav txim siab ua lag luam nyoos - kuv puas tseem ua tau nyiaj? Thiab yog tias kuv poob, kuv tau txais dab tsi los ntawm kev poob?
Tseem tau txais cov neeg tsim khoom los muab cov kev txhawb siab tuaj yeem sib txawv nyob ntawm kev ua lag luam, lub caij nyoog, tus neeg tsim khoom, thiab seb tus neeg yuav khoom puas tab tom nrhiav kev yuav cov khoom muag sawv cev piv rau thov kom tsim lub tsev.
Thiab rau tus neeg tsim khoom, lawv tuaj yeem muaj kev xav sib txawv txog cov khoom muag. Piv txwv li, thawj ob peb lub hlis ntawm lub xyoo, ib tug yuav nyiam tuav mus rau hauv tsev kom txog thaum tau txais tus nqi uas lawv xav tau vim muaj sij hawm. Lub caij no, lwm tus neeg tsim khoom yuav ntshai rau yav tom ntej thiab muab kev txhawb nqa hnyav.
Kuj tseem muaj qhov sib txawv ntawm cov neeg tsim khoom me thiab cov neeg tsim khoom loj nrog kev txhawb nqa nyiaj txiag loj dua, thiab qhov ntawd tuaj yeem txhais tau rau hauv kev txhawb siab lawv muaj peev xwm muab tau. Yog li ntawd, raws li tus neeg yuav khoom, nws yog ib qho tseem ceeb kom nkag siab txog kev ua lag luam, cov khoom muag, thiab lub tsev tsim khoom koj ua haujlwm nrog - pib, tsawg kawg.
Raws li kev txhim kho hauv tsev lossis hloov kho dua tshiab, cov neeg tsim khoom qee zaum siv qhov tseeb tias "lawv tuaj yeem tsim cov khoom pheej yig dua thiab qhov pom tau tias tus nqi rau [yuav khoom] loj dua," Downs hais. Fortune. Nws tau muab piv txwv: yog tias tus neeg yuav khoom tau hais txog $ 50,000 los tsim lub patio tab sis tus neeg tsim khoom tuaj yeem ua nws rau $ 15,000 - raws li tus neeg siv khoom nws kos tawm, thiab tus neeg tsim khoom siv "tus nqi nce siab los muab kev nkag siab ntawm kev txuag nyiaj loj dua."
Yog li kev txhim kho zoo li cov, khi rau lub cev lub tsev, tsis suav tias yog tus muag khoom cog lus los ntawm cov qiv nyiaj. Cov qiv nyiaj tsuas yog saib txhua yam uas hloov pauv nyiaj ntsuab, xws li npog cov nqi kaw lossis muab tus nqi yuav khoom, raws li tus neeg muag khoom cog lus. Tab sis qhov ntawd tsis tau txhais hais tias cov neeg tsim khoom tseem tsis tuaj yeem siv cov tswv yim los ntxias cov neeg yuav khoom - tab sis tus neeg yuav khoom tsuas yog xav tau kom tsim nyog rau cov kev txhawb siab thiab qhov ntawd tuaj yeem nyob ntawm hom qiv.
Txawm li cas los xij, kev txhawb siab tsis yog mus ib txhis - nws feem ntau yog nyob ntawm kev ua lag luam, uas yog cyclical. Muaj qee zaus thaum cov neeg tsim khoom tsis tas yuav muaj kev txhawb siab (feem ntau hauv kev sib tw ua lag luam thaum muaj ntau qhov kev thov tshaj tus nqi nug).
Tab sis Downs hais Fortune tias nws xav tias peb nyob hauv "qhov chaw qab zib ntawm kev ua lag luam," tsawg kawg yog ob peb lub hlis ntxiv kom txog thaum kev lag luam rov sib npaug thiab ua raws li cov cai ua ntej kis thoob qhov txhia chaw. Txawm li ntawd los, kev them taus tseem muaj teeb meem, Downs tau hais tias-txhais tau tias qhov chaw qab zib tuaj yeem siv sijhawm ntev me ntsis.
Downs tau hais tias "Thaum kuv hais txog kev them nyiaj, tib neeg tseem choke thaum lawv hnov lawv," Downs hais.
Zaj dab neeg no yog thaum chiv keeb los Fortune.com
Ntau los ntawm Fortune:
Cov lus dab neeg Olympic Usain Bolt poob $ 12 lab hauv kev khaws nyiaj rau kev dag ntxias. Tsuas yog $12,000 tseem nyob hauv nws tus account
Meghan Markle qhov kev txhaum tiag tiag uas cov pej xeem Askiv tsis tuaj yeem zam txim - thiab Asmeskas tsis tuaj yeem nkag siab
'Nws tsuas yog tsis ua haujlwm.' Lub ntiaj teb lub tsev noj mov zoo tshaj plaws tau raug kaw vim nws tus tswv hu cov qauv noj mov zoo niaj hnub 'tsis muaj kev ruaj ntseg'
Bob Iger tsuas yog tso nws ko taw thiab hais kom Disney cov neeg ua haujlwm rov qab los rau hauv chaw ua haujlwm
Tau qhov twg los: https://finance.yahoo.com/news/still-housing-market-slump-negotiate-225725403.html