Iminyaka eyi-Millennials ingaba iphosakele ekukhuseleni iiNkcazo zokuKhula kweNdlu
Amaphesenti angama-32 aseMelika abaneminyaka eyi-18-34 ngoku ahlala ekhaya nabazali babo.
Kukho malunga nezigidi ezingama-75 zeMillennials, oku kuthetha ukuba kukho izigidi ezingama-25 eziselula ezihlala kwiindawo zokulala zokuhlala, kunye nezamabhonasi. Le nyaniso inokusinceda siqonde apho ixabiso lezindlu lihamba khona.
Imarike yezindlu iqhutywe kakhulu yenziwe ngamakhaya . Eminye imizi esiyidalayo, ingcinezelo engaphezulu iqhutywe kwixabiso lezindlu. Ngoko, iBrittany okanye uYusten ngokukhawuleza ephuma kwisiseko kunye nobudlelwane obunzulu, ngcono. Kwaye nakhu iindaba ezilungileyo: ngokuchasene nombono oqhelekileyo wesizukulwana seMillennial, ngokuqhelekileyo bahlanjululwa ngokuhlala kumama nonkosikazi, kwaye ngokwenene bafuna indawo yabo.
Imbono yezindlu ngo-2017 ibinamandla. Iminyaka emininzi edlulileyo ibone ukuhlaziywa ngokuphawulekayo kweemarike zezindlu. Intengo yomlambo yamabini akhoyo kunye namasha angaphezulu kwephambili ye-pre-recession. Nangona ukwandiswa okuqhubekayo kweshishini lokwakha ikhaya ukususela ekunciphiseni kwemali, ukubonelelwa kwamakhaya kuyaqhubeka kuhlahlela.
Iimali zokubambisa i-Mortgage ziye zanyuka phezulu kodwa zisesekufutshane nemida yazo yembali. Umbono woqoqosho lwe-US, ngokusekelwe kumzekelo wam we-CHIME, uyathembisa kakhulu.
I-CHIME yiyo:
- Ukuthembela kwabaThengi: Kuphakamileyo oneminyaka eli-15.
- Izindlu: Amanani asekhaya aphuculwe ngokukhawuleza ukususela ngo-2010 ukuya ku-2016, ukwandisa ngokulinganayo umnini-mali wobulungisa.
- Iimali zenzalo : Iimali zokuthenga ngeminyaka engama-30 e-US ziphantsi kwama-3.4 ekhulwini kwihlobo le-2016. I-spike e-US-Unyaka-mali ka-10 ukusuka ku-1.4 kuya ku-2.5 ekhulwini iye yafaka i-US mortgage rates ukuya kuma-4, amakhaya afikelelekayo.
- Ukuvelisa : kubonisa ukwandiswa kwama-53.2 ekhulwini ngoNovemba 2016.
- Ingqesho: Ukungabikho kwemisebenzi kukufuphi kwimizuzu engama-4.8 ephantsi.
Ngoku. Ukuba i-shishini lezindlu liyakuthatha nje ukunyuka kwamandla okuthenga ikhaya kwikhaya leMillennials, lingaxhamla ngokucacileyo le candelo eliseleyo. Ngokutsho kwenkcazelo yoluntu yakutshanje "ehlala kwikhaya labazali" yilungiselelo lokuphila ngokuqhelekileyo kubantu abadala. Iipesenti ezingama-32.1 zabantu baseMerika abaneminyaka eli-18-34 bahlala nabantu babo. Eye yaphuma "isatshatile okanye ihlalisana endlwini yayo," ichaza i-31.6 pesenti yeli qela labantu. Ezinye iipesenti ezingama-22 zihlala "kwezinye iimeko", eziquka ukuhlala nezinye izihlobo.
Amadoda amancinci amancinci angaphinda ahambe kwidleke ngaphandle kokuhluthwa. Ngaphezu kweyesithathu kwindoda ye-18-34 ihlala nabazali babo xa kuthelekiswa nama-29 ekhulwini labasetyhini kuloo manani.
Thelekisa amanani anamhlanje kuma-1960 xa i-20 ekhulwini labantu abadala behlala nabazali babo kunye nabafundi abangama-62 bashadile okanye bahlala kunye nabo.
Enye inkcazo yale nzekayo yinto nje kwezoqoqosho - imisebenzi, okanye ukungabikho kwayo. Ekubeni i-Great Recession job growth for non-educated young people educated has stagnated. Ngo-2014, amadoda angama-25-34 anesidanga samabanga aphakamileyo ayenesilinganiso sokungabikho kwemisebenzi se-12.2 ekhulwini.
Kodwa kukho isizathu sentsholongwane yokusilela kwesi sizukulwana. Abantu abadala abaselula bazinikela ekuthandeni ubudlelwane obusondeleyo kwaye bancipha ngakumbi ukutshata kunezizukulwana zangaphambili. Abantu abangama-26 ekhulwini abaneminyaka engama-18 ukuya kwe-33 ubudala batshatile. Ngokuthelekiswa, iipesenti ezingama-36 zeGen Xers, iipesenti ezingama-48 ze-Baby Boomers kunye neepesenti ezingama-65 zabazali bakaBoomers zatshatile ngexesha elifanayo lobomi.
Kodwa i-Millennials ubuncinane bafuna ukuthenga ikhaya labo , ukuba bayayifumana into efikelelekayo kwaye ihambisane nendlela yabo yokuphila. Kuphando lwakutshanje lweLuhlu lweeNdlu, iipesenti ezingama-79 zeeMillennials eziqeshisayo ngoku zifuna ukuthenga ikhaya.
Isithintelo esikhulu sikwazi ukufikelela kunye neepesenti ezingama-77 zithi yiyona nto inqamlekileyo kubunini. Iipesenti ezingama-40 kuphela zithi zilindele ukuhlala phantsi okanye ukutshata ngaphambi kokuthenga ikhaya.
Iwaka leeMillennials ezinemali yokuthenga ikhaya zingaba zikhethi. Ngokuqhelekileyo bathetha, bafuna izakhiwo ezixhasayo kunye nokuthenga okufuphi kunye nokufikelela kwindlela yokuhamba. Abaninzi baphakamisa imisindo yabo kwimimandla engaphezu komzali wabazukulwana babo. Bafuna ukuthenga, ukuguquguquka kunye nesimo sengqondo ezindlini zabo. Okukhethwa kwazo okwangoku kuhlanganiselwe kwizixeko, ngokuchasene namadlelo.
Sekunjalo, sinokuthi siphezu komda wangaphambili wezindlu ezixhaswa yi-Millennials. Sithanda ukuhlekisa esi sizukulwana, kodwa sigcwele abantu abasebenza nzima, abantu abafezekileyo. Ukuba uqoqosho luqhubeka luqhubeka ngokunyuka phezulu, kwaye sakha amakhaya amaninzi athatha abathengi bexesha lokuqala, i-Millennials iya kuphuma ngaphandle kunye nakwimbombo yeemakethe zendlu. Ixesha labo lokuhlala le nxalenye ebalulekileyo ye-American Dream.