Dab tsi tshwm sim nrog tus nqi tsev? Cov nqi tsev qiv nyiaj, cov khoom siv nruj yog qhov tseem ceeb

Tus nqi tsev yog muag muag hauv ntau lub khw thoob plaws lub tebchaws.

Txawm li cas los xij, cov nqi tsev tseem siab dua piv rau ib xyoos dhau los, thiab nws tsis zoo li lawv yuav poob qis heev.

Qhov nce siab ntawm cov nqi tsev qiv nyiaj nyob rau ob peb lub hlis dhau los tau ua rau vaj tse kim dua rau txhua tus xav tau qiv nyiaj. Thaum qhov ntawd muaj qee tus neeg yuav rub rov qab, thiab qee tus neeg muag khoom txo qis qhov lawv thov, qhov kev thov muaj zog thiab cov khoom siv nruj tau txhawb nqa tus nqi.

Cov ntawv ceeb toom tsis ntev los no tau siv qhov kev sib piv txhua hli vim tias muaj kev hloov pauv loj hauv ib zaug-kub, muaj kev sib kis-tsav vaj tse nyob. Yog li cov kev hloov pauv tuaj yeem tshwm sim.

Black Knight, lub tuam txhab software, cov ntaub ntawv thiab kev tshuaj ntsuam xyuas, tau tshaj tawm lub hlis thib ob ntawm kev poob qis hauv lub Yim Hli, nrog cov nqi nqis 0.98% txij lub Xya Hli. Nws tau tshaj tawm ib qho kev hloov kho upwardly 1.05% poob txhua hli hauv lub Xya Hli. Muab tso ua ke, cov cim no yog qhov kev poob qis tshaj plaws txhua hli hauv ntau dua 13 xyoo thiab qhov thib yim loj tshaj plaws txij li tsawg kawg thaum xyoo 1990, Black Knight tau hais.

"Txawm yog ib qho ntawm lawv yuav yog tus nqi poob qis tshaj plaws hauv ib hlis txij li Lub Ib Hlis 2009 - ua ke lawv sawv cev rau ob lub hlis ncaj qha ntawm kev thim rov qab tom qab ntau tshaj li ob xyoos ntawm kev loj hlob ntawm cov ntaub ntawv," Ben Graboske, Black Knight tus thawj tswj hwm ntawm cov ntaub ntawv thiab kev tshuaj xyuas , sau nyob rau hauv tsab ntawv ceeb toom.

"Lub tsuas yog lub hlis nrog cov khoom siv ntau dua ib hlis nqi poob qis dua li peb tau pom thaum Lub Xya Hli thiab Lub Yim Hli yog lub caij ntuj no xyoo 2008, tom qab Lehman Brothers poob nyiaj txiag thiab teeb meem nyiaj txiag tom qab, "nws hais ntxiv.

Txawm hais tias tag nrho cov xwm txheej no, nws tseem ceeb heev uas yuav tsum nco ntsoov tias vaj tse kuj tseem cuam tshuam los ntawm kev lag luam hauv zos. Nws yog lub caij nyoog, thiab. Cov tsev neeg nyiam yuav cov tsev loj dua, pricier nyob rau lub caij nplooj ntoos hlav thiab lub caij ntuj sov, yog li lawv tuaj yeem txav mus los ntawm lub xyoo kawm ntawv. Qhov ntawd skew tus nqi siab dua. Cov tsev me me, pheej yig dua yuav muag thaum lub caij nplooj zeeg thiab lub caij ntuj no, skewing nqi qis dua. Qhov no yog vim li cas tus nqi tsev feem ntau yog piv rau xyoo dhau los, kom tau txais kev nyeem ntawv tseeb tshaj plaws.

Tus nqi nruab nrab hauv tsev tam sim no yog kwv yees li 2%, lossis $ 8,800, tawm ntawm nws lub Rau Hli siab kawg ntawm $ 438,000. Dub Knight tshaj tawm cov nqi tau tawm ntawm lawv qhov siab tshaj plaws hauv 97 ntawm 100 lub khw loj tshaj plaws hauv Asmeskas, tab sis lawv tseem kwv yees li 40% siab dua li xyoo 2019, ua ntej muaj kev sib kis.

Tab sis tus nqi ntawm kev loj hlob yog txias. Lub lim tiam no, CoreLogic tau tshaj tawm tias cov nqi tsev tau 13.5% siab dua nyob rau lub Yim Hli dua li tib lub hlis ib xyoos dhau los. Qhov ntawd yog qhov qis tshaj txhua xyoo ntawm kev txaus siab txij li lub Plaub Hlis 2021, raws li tsab ntawv ceeb toom. Nws ib nrab qhia txog qhov txias ntawm cov neeg yuav khoom vim yog cov nqi qiv nyiaj ntau dua. CoreLogic cia siab tias cov kev nce xyoo no yuav txo qis mus ntxiv, tab sis tseem yuav pom qhov nce ntawm 3.2% thaum Lub Yim Hli xyoo tom ntej.

National Association of Realtors, hauv nws Lub yim hli ntuj daim ntawv qhia muag khoom, qhia tias tus nqi nruab nrab ntawm lub tsev uas twb muaj lawm tau nce 7.7% xyoo dhau los. Muab piv rau qhov 15% xyoo dhau los nce xyoo dhau los lub Tsib Hlis. Qhov nruab nrab feem ntau skewed los ntawm hom tsev muag. Tom qab muaj kev nce qib hauv kev muag khoom hauv tsev khoom kim heev thaum muaj kev sib kis, kev muag khoom ntawm cov tsev muaj nqi siab dua tau poob rau lub Yim Hli. Qhov ntawd tuaj yeem suav rau yam tsawg kawg qee qhov kev nce xyoo me me.

Cov Realtors tau ua, txawm li cas los xij, nco ntsoov tias thaum cov nqi tsev ib txwm poob thaum Lub Xya Hli mus txog Lub Yim Hli, xyoo no lawv poob ntawm peb npaug ntawm qhov qub.

Qee lub khw muag khoom sai dua li lwm tus. Qee qhov kev lag luam pom qhov poob qis tshaj plaws yog qee qhov qub qub tshaj plaws, xws li San Jose, San Francisco thiab Seattle, raws li Black Knight. Cov kev lag luam no tau raug cuam tshuam los ntawm kev nce nqi tsev vim tias lawv tsis muaj peev xwm pib nrog.

Lwm lub khw pom kev poob qis yog cov uas pom qhov dhia loj tshaj plaws hauv kev thov thaum muaj kev sib kis, xws li Phoenix thiab Las Vegas. Nrog rau kev muaj peev xwm ua hauj lwm los ntawm txhua qhov chaw, cov neeg tuaj yeem mus rau cov khw muag khoom pheej yig tshaj qhov uas huab cua yuav muaj kev phooj ywg ntau dua. Qhov kev xav tau nce ntxiv tau nce nqi.

Kev nce nqi loj tau tuav hauv Florida kev lag luam, uas txuas ntxiv pom kev xav tau zoo vim tias muaj kev hloov pauv hauv ntau tus neeg ua haujlwm thev naus laus zis los ntawm Silicon Valley mus rau Sun Belt thaum muaj kev sib kis.

Nws tsis zoo li cov nqi tsev yuav poob qis heev raws li qhov lawv tau ua thaum lub sijhawm Kev Txom Nyem Loj los ntawm kev kub ntxhov nyiaj txiag vim tias muaj ntau qhov kev thov ntau dua li muaj cov khoom siv.

Ua ntej muaj kev sib kis, cov khoom siv tau qis vim yog kaum xyoo ntawm kev tsim kho tsis zoo tom qab Kev Txom Nyem Loj. Kev npau taws hauv tsev thaum muaj kev sib kis tsuas yog ua rau qhov tsis txaus. Qhov kev xav tau qhov tsis sib xws yog qhov ua rau cov nqi tsev ntau dua 40% siab dua hauv ob xyoos xwb.

Muaj tsawg tus neeg muag khoom, thiab. Lawv pom kev lag luam tsis muaj zog thiab qee tus tsis xav tau tsawg dua rau lawv lub tsev dua li lawv xav tias tsim nyog.

"Tam sim no, cov neeg muag khoom yav tom ntej tsis yog tsuas yog los tuav nrog kev thov poob thiab cov nqi poob qis vim tias cov paj laum ntau dua, tab sis lawv kuj muaj qhov tsis txaus siab los tso lawv tus kheej keeb kwm qiv nyiaj qis hauv ib puag ncig no. Qee tus yuav tos tawm ntawm kev ua lag luam kom pom yog tias xav tau - thiab tus nqi - rov qab los rau lub caij nplooj ntoo hlav, "Graboske hais.

Muaj li peb lub hlis ntawm cov khoom siv hauv tsev lag luam uas twb muaj lawm, uas yog ib nrab ntawm qhov uas suav tias yog kev lag luam sib npaug. Muaj ntau cov khoom lag luam hauv tsev tshiab, tab sis kev tsim kho tshiab los ntawm tus nqi hwm, thiab cov neeg yuav khoom niaj hnub no tau sib cav nrog cov nqi tsev ntau dua. Affordability tseem yog ib qho ntawm cov qib phem tshaj plaws hauv keeb kwm, txawm tias tus nqi muag muag me ntsis.

Dab tsi cov kws tshaj lij zoo li pom zoo yog tias qhov no tsis yog "ib txwm" kev lag luam vaj tsev lossis txawm tias ib txwm kho tus nqi. Kev nce nyiaj txiag, kev lag luam thoob ntiaj teb tsis paub meej, nce nqi tsev qiv nyiaj thiab cov khoom tseem ceeb ntawm cov tsev muag khoom yog tag nrho cov hnyav rau cov neeg yuav khoom. Nws tseem yuav pom deb npaum li cas lawv yuav rub rov qab thiab ntau npaum li cas qhov rub rov qab yuav txias nqi.