[2023 Outlook] Igihe cyumutungo utimukanwa kirarangiye, igipimo cyinyungu cyarageze kandi isoko ryimitungo itangira gukira mugice cya kabiri cyumwaka!
19/12/2022
Powell: iherezo ryamazu menshi
Mu 2005, Alan Greenspan wahoze ari Perezida wa Banki nkuru y’igihugu yabwiye Kongere ati: "Ntabwo bishoboka ko amazu menshi muri Amerika."
Ikigaragara ni uko, icyuho cyamazu cyari kimaze kubaho kandi cyari cyegereje cyane igihe Greenspan yatangaga ubwo butumwa.
Byihuse kugeza muri 2022, kandi kubera ko twari tugifite ubwoba bwimyubakire iheruka, iki gihe abahanga mu bukungu ntibatinya kwemera ko ibaho.
Ku ya 30 Ugushyingo, umuyobozi w’ubukungu ukomeye ku isi, Umuyobozi wa Banki nkuru y’igihugu, Jerome Powell, yemeye ko habaye igicucu cy’amazu mu birori, avuga ko izamuka ry’ibiciro by’amazu muri Amerika muri iki cyorezo ryujuje ibisobanuro by '“amazu menshi.”
Ati: “Mu gihe cy'icyorezo, abantu bifuzaga kugura amazu bakimukira mu mujyi bakajya mu nkengero z'umujyi kubera igiciro gito cyane cy'inguzanyo, kandi muri icyo gihe, ibiciro by'amazu byazamutse ku buryo budashoboka, ku buryo muri Amerika muri rusange hari amazu menshi. . ”
Muri Nzeri, Powell yagize ati: Amerika yinjiye ku mugaragaro “igihe kitoroshye cyo guhindura ibintu” ku isoko ry'amazu, bazagarura “uburinganire” hagati yo gutanga n'ibisabwa ku isoko.
Noneho ubu imitungo itimukanwa irangiye, inzira yo "kongera kuringaniza" isoko yaratangiye.
Icyerekezo cyisoko ryamazu muri 2023
Mu 2022, ifaranga ry'abasazi ryongereye ingufu Federasiyo yo kugabanya ifaranga.
Hamwe n'izamuka ry’ibiciro nyuma y’ikindi, igipimo cy’inguzanyo cyazamutse ku buryo butigeze bubaho, kiva kuri 1% mu ntangiriro z’umwaka kigera kuri 7%.
Igiciro cy’amazu yo hagati mu gihugu nacyo cyagiye kigabanuka buhoro buhoro kuva mu gice cya kabiri cy’umwaka kandi cyari munsi ya 7.9% munsi yacyo kuva mu mpera za Ugushyingo 2022.
(Igiciro cyo kurutonde rwabanyamerika muri Amerika, Mutarama-Ugushyingo 2022; isoko: Realtor)
Mugihe kitarenze ukwezi, twegereje "igihe" cyo muri 2022 hamwe n "" ibimenyetso byibibazo "byo muri 2023: Ibiciro by'amazu yo muri Amerika bizakomeza kugabanuka muri 2023?Ni ryari isoko ryimitungo izahindukira?
Dukurikije uko Zillow na Realtor babiteganya, impuzandengo y’amazu muri Amerika yose izakomeza kwiyongera mu mezi 12 ari imbere.
Mubyukuri, abahanga mu bukungu batimukanwa bavuga ko ibiciro byamazu bitazagabanuka cyane muri 2023, ariko bizakomeza kuzamuka buhoro buhoro.
Hamwe n’ifaranga ryinshi, igipimo cy’inguzanyo nyinshi, no kudindiza ibikorwa by’imitungo itimukanwa, kuki benshi bavuga ko ibiciro byamazu bitazasenyuka muri 2023?
Mubyukuri, urubanza nyamukuru rushingiye ku kuba ibarura ry’isoko ry’imitungo yo muri Amerika ridahagije kandi ibarura ry’amazu agurishwa ni rito cyane, bizafasha kugumya ibiciro by’amazu.
Powell yabyemeje kandi mu ijambo rye mu cyumweru gishize - “Nta na kimwe muri ibyo (guhindura imiturire) kizatera ibibazo bizagira ingaruka z'igihe kirekire, umubare w'amazu arimo kubakwa bizagorana kugira ngo abaturage babone ibyo bakeneye, kandi ikibazo cy'ibura ry'amazu kiragaragara birashoboka ko bizakomeza mu gihe kirekire. ”
(Ibiteganijwe vuba kubice 322 byamasoko yimitungo itimukanwa; isoko: Amahirwe)
Nubwo "amazu yimiturire ikabije" azahagarika igabanuka ryibiciro byamazu, iterambere ritandukanye ryisoko ryimitungo itimukanwa rishobora gutera ikibazo aho ibiciro byamazu byiyongera mubice bimwe na bimwe ibiciro byamazu bikagabanuka mubindi bice.“
By'umwihariko, amasoko "yahawe agaciro gakomeye" mu gihe cy'icyorezo ashobora kubona igabanuka rikabije ry'ibiciro.
Igipimo cyinyungu kiri hejuru, isoko ryamazu rizahindukira ryari?
Kugeza ku ya 8 Ukuboza, igipimo cy’inyungu ku nguzanyo y’imyaka 30 cyari cyaragabanutse kiva ku mwaka hejuru ya 7.08% kigera kuri 6.33%, nyuma yo kugabanuka cyane mu byumweru bine bikurikiranye.
Inkomoko: Freddie Mac
Lisa, impuguke mu by'ubukungu muri Bright MLS, yagize ati: “Ibi byerekana ko igipimo cy’inguzanyo gishobora kuba cyarageze hejuru.”Yibukije kandi ko igipimo cy’inyungu kizakomeza guhinduka kubera ubukungu butifashe neza.
Abahanga benshi ariko, bemeza ko igipimo cy’inguzanyo kizahinduka ariko kigakomeza kuba kuri 7% kandi ntikizongera guca hejuru.
Mu yandi magambo, igipimo cy’inguzanyo cyageze hejuru!None ubwo isoko ryimitungo idahwitse rizahinduka ryari?
Kugeza ubu, inyungu nyinshi hamwe n’itangwa ryinshi birashoboka ko bizakomeza guhagarika abashobora kugura amazu, kandi icyifuzo kidakenewe gishobora gutuma igabanuka ry’ibiciro by’amazu.
Mu gice cya kabiri cya 2023, ariko, isoko ryimitungo rishobora kongera kwiyongera mugihe izamuka ryinyungu rirangiye, igipimo cyinguzanyo kigabanuka, kandi icyizere cyo kugura amazu kigaruka buhoro buhoro.
Muri make, "kuzamura inyungu za Federasiyo" ni kimwe mu bintu by'ingenzi bihungabanya isoko ry’imitungo itimukanwa
Iyo ifaranga rigeze hejuru, Federasiyo izadindiza izamuka ry’ibiciro bikurikije, kandi igipimo cy’inguzanyo kizagabanuka buhoro buhoro, ibyo bizagira ingaruka nziza mu kugarura ikizere n’ishyaka ry’abashoramari ku isoko ry’amazu.
Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.
Igihe cyo kohereza: Ukuboza-20-2022