Ghar: Haqiqi estate broker Redfin ke mutabiq is saal market mein aaye makanon mein se sirf chand hi ghar maqami khareedaron ke liye munasib thay.
Ghar:Introduction
2023 mein America mein munasib makanat ki kami ka samna hai, jahan Redfin, aik mashhoor real estate brokerage ki report ke mutabiq, January se November tak makanat ki kamzori ka saamna kar raha hai.
Ghar: Munasibgi Ke Challenges
Redfin ki tajaweez ke mutabiq, is saal ke pehle 11 mahinon mein list hone wale 352,500 makanon mein se sirf 15.5% aam U.S. gharanay ke liye maqami thay. Munasibgi ka maayaar yeh tha ke maqami county ki darmiyaney aamdani ka 30% se zyada nahi hona chahiye, jisme 5% down payment shamil hai.
Ghar: Asarat-e-Awaam Par
Munasibgi ki crisis ne khas taur par minoriti communities ko mutasir kiya hai. Redfin ke mutabiq, bechne ke liye diye jane wale gharon mein se 21.6% sadharan gharanay ke liye munasib thay, jabke Hispanic/Latino gharanon ke liye yeh ratio 10.4% tha aur Black buyers ke liye sirf 6.9%. Yeh farq kam aamdani aur kam dolat wale communities ke samne mushkilat ko nazar andaz karta hai.
Ghar: Munasibgi Mein Girawat Ke Asbab
Munasibgi mein girawat mein do mukhlis asbab shamil hain. Pehli baat toh hai ke pandemic ke baad makanon ki keemat mein izafa hua, jab log shehron se jaldi bahar chale gaye, remote kaam barh gaya aur ghar banane ki raftar kam hui. Dusri baat hai ke March 2022 se Federal Reserve ne interest rates ko barha diya, jiski wajah se mortgage rates mein izafa hua.
Barhte Hue Mortgage Rates Ke Asarat
Federal Reserve ke data ke mutabiq, 30 saal ke mortgage rates early 2022 mein 4% se kam the, jabke October mein 8% tak pahunch gaye. Jab rates barh gaye, logon ko zaroorat hai woh raqam udhaar lenay ki kam ho gayi. Agar koi loan le bhi leta, to unki raqam pehle se kam asar andaz hoti rahi.
Haal Ki Takhleeqat
Haal hi mein mortgage rates mein girawat ne munasibgi mein sudhar dekha hai. Freddie Mac ke mutabiq, 30 saal ke fixed mortgage par ab average rate 6.67% hai. Yeh 2010 se 2022 tak buyers ko milne wale rates se bohat zyada hai, lekin yeh October ke peak se kam hai.
Mustaqbil Ke Imkanat
Jabke naye ghar banane mein izafa ho raha hai, jo munasibgi mein izafa karega, lekin yeh overall raaste par interest aur mortgage rates ke kam hone par munhasar hai. Haan, pre-pandemic levels tak wapas jane ka umeed kam hai, lekin anay wale saalon mein thori araam mil sakta hai.
Conclusion:
2023 mein makanat ki munasibgi ka masla policymaker, real estate professionals, aur un logon ke liye hai jo apna ghar khareedna chahte hain. Jab market pandemic aur maqami tabdeeliyon ka muqabla karti hai, to interest rates aur construction trends ki raah mein aane wale dino mein U.S. real estate market ki mustaqbil ko tay karega.