Ngaba i-Market Real Estate iya kwi-Crash?

Yazi Iimpawu Zesixwayiso Nento Omele Uyenze Ngoku

Ngo-2017, uninzi lwamaMerika lwaqala ukuxhalabisa ukuba imakethe yezindlu zangaphandle yayiza kuphazamiseka. Enyanisweni, iipesenti ezingama-58 zalabo baphando bavuma ukuba kuya kuba ne "bubble house and correction price" kwiminyaka emibini ezayo. Ngenxa yoko, iipesenti ezingama-83 zazo zikholelwa ukuba lixesha elifanelekileyo lokuthengisa. A

Izimpawu zoMkiso

Kukho imiqondiso emininzi yemakethe yezindlu ehamba kwiindawo ezinobomvu. Uninzi luphazamiseko luvele kuphela ngenxa yokuba ibhola ye-aseset ivele.

Esinye isibonakaliso sokubhaka kwe-asethi kukuba ixabiso lekhaya liye landa. Amanani asekhaya asekhaya aphakathi kwamaphesenti angamaphesenti angama-32 ngaphezu kwexabiso lentengo . Kuyafana no-2005, xa bebonke baba ngama-35 ekhulwini.

I-Bellwether Barometer i-index ye-homebuilders kunye neenkampani zokuboleka. Ngonyaka we-2017, kwagqithisa njengokuba kwenzeka ngo-2004 no-2005. Ngokwaloo mdali, Ukuphathwa kwezeMali eStack, owawusebenzisa ukuchaza kwangaphambili inkxalabo yemali ye - 2 008 . Ngokufanayo, i-SPDR S & P Homebuilders ETF iye yaphakama ngamaphesenti angama-400 ukususela ngoMatshi 2009. Yaphumelela ekuphumeni kwe-S & P 500 yeepesenti ezingama-270.

I-Case-Shiller yesizwe isalathisi esibetha phezulu kwiDisemba 2016. Ukwanda kwexabiso kugxininiswe kwiindawo ezisezidolophini ezisixhenxe. Amanani asekhaya eDenver naseDallas anama-40 ephakamileyo aphezulu ngaphezu kokunyamekela kwabo. Amaxabiso ePortland naseSeattle angama-20 ephakamileyo aphezulu, kwaye iBoston, iSan Francisco, kunye neCharlotte ngama-10 ekhulwini ngaphezu kweentsika zazo.

Amanani asekhaya eDenver, eHoston, eMiami naseWashington, DC ubuncinane ama-10 ekhulwini aphezulu kunamazinga azinzileyo, ngokweCoreLogic.

Ngelo xesha, izindlu ezithengiweyo ziye zancipha. Ngo-2010, iipesenti ezili-11 zeenqeshiso zokuqeshisa kulo lonke ilizwe zifikeleleke kumakhaya aphantsi okufumana imali. Ngonyaka we-2016, loo nto yayisele kwi-4% kuphela.

Ukunqongophala kukubi kakhulu kwiidolophu apho izindleko zasekhaya zikhulile. Ngokomzekelo, isitoreji se-Colorado sase-Colorado sithengwa ngamaphesenti angama-32.4 ukuya kuma-7.5 ekhulwini kuphela ngo-2010.

Ngo-Matshi 2017, uWilliam Poole, umntu ophezulu kwiCato Institute, walumkisa ngelinye i-subprime crisis. Wacetyisa ukuba iipesenti ezingama-35 zengxowa-mali kaFannie Mae zafuna inshuwalense yokubolekwa. Leyo malunga nezinga ngo-2006. Ngandlela-thile, le mboleko iyingozi. UFannie noFreddie banciphisa inkcazo yabo ye-subprime ukususela ngo-660 ukuya ku-620. Oku kuthetha ukuba iibhanki asasabibizi ababoleki ngamanani phakathi kwe-620 ne-660 subprime. UPoole wayeyiNtloko yeBusiness Reserve Bank yaseKansas eyalumkisa nge-crisis subprime ngo-2005.

Ngo-2016, ama-5.7 ekhulwini kubo bonke abathengi basekhaya bathengwa ngokutsha ngokukhawuleza. Le mizi "flip" isilungiswa kwaye ithengiswa ngaphantsi konyaka. I-Attom Data Solutions ibike ukuba yiyona pesenti ephezulu ukususela ngo-2006, ngexesha lokugqibela.

I-2008 Market Crash Crash

Abantu ababanjwe ngengozi ka-2008 bachithwa ukuba ibhobho ye-2017 iya kukhokelela kwenye indawo. Kodwa kubangelwa yimikhosi engasabikho. Iingxowa-mali ezitshintshileyo zitshintshiselwa izibonelelo ezikhuselekile ezifana ne -securities-backed securities . Abaphathi be- Hedge fund badala imfuno enkulu yezi ziqinisekiso zokungabikho kwemingcipheko.

Eyadala imfuneko yeemali zokubolekwa kwemali ezazibaxhasa.

Ukuhlangabeza le mfuno yeemali zokuthenga imali , iibhanki kunye nabathengi bemali mboleko banikela ngemali mboleko yasekhaya ukuya kumntu. Bakha i-subprime mortgage crisis ngo-2006.

Abaninzi abangathengi abathengi bangena kwiimarike, imfuno yanda. Abantu abaninzi bathenga amakhaya njengotyalo-mali ukuthengisa njengoko amanani aqhubeka ekhula. Babonisa ukunyaniseka okungenangqiqo , uphawu olubalulekileyo lwebhola.

Ngo-2006, abaqashi bekhaya bafike bafumana imfuno. Xa ukufunwa kweemfuno ezingaphezulu, ixabiso lezindlu liqale ukuwa. Oko kutshabalalisa i-asset bubble.

NgoSeptemba 2006, iNational Association of Realtors yabika ukuba amanani asekhaya awele phantsi okokuqala kwiminyaka eyi-11. Inventory yayiphakamileyo, inika i-7.5 inyanga yokubonelela. NgoNovemba, iSebe lezoRhwebi liye labonisa iimvume zamakhaya ezintsha zazingama-28 eepesenti ngaphantsi ko-2005.

Kodwa i- Federal Reserve yayingathobeli ezi lumkiso. Kwakucinga ukuba uqoqosho lomelele ngokwaneleyo ukukrazula izindlu ngaphandle kokuqhaqha. Yayibonisa umsebenzi oqinileyo, ukunyuka kwamaxabiso emveliso , kunye nokunyuka kwemali yabathengi. Kwakuthembisa ukuba netyala lokunciphisa inzala . Oku kuya kunika uqoqosho olwaneleyo ukwenzela ukukhulisa ukukhula.

Ukuxhaswa kungancinci ubungakanani kunye nempembelelo yemarike yokuthengiswa kwemali . Amabhanki ayeqeshe "amanani amaninzi" ukudala ezi ntanethi ezintsha. Babhala iinkqubo zeekhompyutheni ezahlula iiphakheji zee-mortgages zibe ziimingcipheko eziphezulu kunye nobungozi obuphantsi. Iimpahla ezinobungozi obuphezulu zihlawulelwe ngaphezulu kodwa zenzeka ukuba zenzeke. Imithwalo ephantsi yobungozi yayikhuselekileyo, kodwa ihlawulwa ngaphantsi.

Le miqulu yayinamanani angaziwa e- subprime mortgages . Amabhanki awazange akhathalele ngamatyala abolekiweyo kubabolekisi ngenxa yokuba bavuselela imali yokubolekwa kwemali kwimarike yesibini .

Ibhokhwe yokukhawuleza yayiyizigidi zemali-mboleko kuphela . Ezi zivumele ababoleki ukuba bahlawule iintlawulo zenyanga. Kodwa le mivuzo yokuthenga imali ibuyele kwizinga eliphezulu emva kweminyaka emithathu. Uninzi lwaba bahlali abanakho ukuhlawula imali. Emva koko izindleko zezindlu zawa kwaye azikwazanga ukuthengisa amakhaya abo ngenzuzo. Ngenxa yoko, bahlala behleli.

Xa amaxesha amnandi, kwakungekho nto. Wonke umntu uthenge iimfesholo eziphezulu ngenxa yokunikezela okuphezulu. Njengoko imakethe yezindlu yayeka, wonke umntu wayesazi ukuba iimveliso zalahlekelwa yixabiso. Ekubeni kungekho mntu wawaqonda, ixabiso lokubuyisela kwakhona lale mveliso ayilucacanga.

Ekugqibeleni kuncinci, abaninzi abathengi be-MBS bebengabanye bhanki nje. Babenomnye- mali-mali , iimali zempesheni kunye ne- hedge funds . Ukusasaza ingozi kulo lonke uqoqosho. Iimali zeeHedge zasebenzisa ezi zixhobo njengezibambiso zokuboleka imali. Okudala ukubuyiswa okuphezulu kwimarike yenkomo, kodwa kwandisa impembelelo yantoni na. IKomishoni yezoThengisa nokuTshintshisa ayizange ilawulwe i-hedge funds, ngoko akukho mntu wayazi ukuba zininzi kangakanani.

I-Fed ayifumananga ukuba ukuwa kwehla kwagqitha kwada ngoMatshi 2007. Kwaqaphela ukuba ukulahlekelwa kwezindlu ze-hedge fund kungasongela uqoqosho. Kulo lonke ihlobo, iibhanki zazingathandi ukuboleka omnye nomnye. Babesaba ukuba baya kufumana i-MBS embi ngokubuyisela. Abanini bebhanki bebengayazi ukuba baninzi kangakanani amatyala abo kwiincwadi zabo. Akukho mntu wayefuna ukuyivuma. Ukuba babenjenjalo, ngoko ke inani labo lokuthenga ngetyala liya kuncitshiswa. Emva koko, ixabiso lawo liza kuwa, kwaye abayi kukwazi ukuphakamisa imali engakumbi yokuhlala kwishishini. Imarike yemasheya ibona i-sawed kulo lonke ihlobo, njengoko abathengi bemarike bazama ukujonga ukuba izinto ezimbi ziphi.

Ngo-Agasti, i-credit iye yaqina kangangokuthi i-Fed ibolekise ibhanki eyi-$ 75 yezigidigidi. Kwakudinga ukubuyisela ubude bexesha elide ukwenzela ukuba ibhanki ibhale phantsi ilahleko zazo kwaye ibuyele kwishishini lokuboleka imali. Kunoko, iibhanki zayeka ukubolekisa phantse wonke umntu.

Ukunyuka kwehla kwakuqhubeka. Njengoko iibhanki zancinciwe kwimali yokuthenga, izindleko zezindlu zawa ngaphezulu. Oku kwenza abanye ababolekayo ukuba bangagqibekanga, okwenyusa iimboleko ezibi kwiincwadi zebhanki. Oko kwenza iibhanki ziboleka ngaphantsi.

Izizathu EziMathandathu Ukuba Kutheni Ukuhlaselwa kweZindlu kungekudala

1. Kuninzihluko phakathi kweemarike zezindlu ngo-2005 kunye nemarike yangoku. Ngo-2005, iimali-mboleko zangasese zazingaphezulu kwama-620 billion zeebhiliyoni kwaye zenze iipesenti ezingama-20 zemarike yemali. Ngonyaka ka-2015, bafikelela kwi-565 yeebhiliyoni zeeRandi kwaye baqulethe ama-5 ekhulwini kwiimarike.
2. Amabhanki akhulise imigangatho yokuboleka. Ngokutsho kwe-CoreLogic Housing Index Index, iimali-mboleko ezivela ngo-2016 ziphakathi kweyona mgangatho ophezulu ovela kwiminyaka eyi-15 edluleyo. Ngo-Oktobha 2009, amanqaku aphakathi kwe-FICO ayenama-686, ngokwe-Fair Isaac. Ngo-2001, amanqaku aphakathi angama-490-510.
3. Imilinganiselo yokubolekisa imilinganiselo yenze umehluko kwimakethe "flip". Ababoleki kuphela imali engama-55 ekhulwini lexabiso lekhaya. I "flipper" kufuneka ifike kunye nabanye. Ngethuba leengxaki ze-subprime, amabhanki akhokhe ama-80 ekhulwini okanye ngaphezulu.
4. Inani lamakhaya athengiswa namhlanje ngamaphesenti angama-20 ngaphantsi kwe-pre-crash peak. Oko kuthetha ukuba kukho kuphela ukubonelelwa kweenyanga ezine zokufumana amakhaya athengiswayo. Ngenxa yoko, malunga nama-64 ekhulwini aseMerika ahlala amakhaya abo, xa kuthelekiswa nama-68 ekhulwini ngo-2007.
5. Ukuthengiswa kwekhaya kuyancipha ngenxa yokuba ukunyuka kwemali kubangele ukuba abantu abatsha bakwazi ukuqala umsebenzi kunye nokuthenga amakhaya. Ejongene nemakethi emisebenzi embi, abaninzi baxhasa imfundo yabo. Ngenxa yoko, baxineke ngemali mboleko yesikolo. Oku kwenza kube lula ukuba bakwazi ukugcina ngokwaneleyo ukuthenga ikhaya. Oku kuya kugcina ixabiso.
6. Ixabiso lekhaya liye lafumana imali engenayo. Umyinge wexabiso lentengo-mali-izindlu ngowama-30 ekhulwini. Kweminye imimandla yeemitha, iphakame ukuya kuma-40 okanye kuma-50 ekhulwini. Ngelishwa, iindawo zemimandla nazo ziindawo apho imisebenzi ikhona khona. Okubangela ukuba abantu abatsha bahlawule ngaphezulu kwerenti ukuba basondele kumsebenzi ongenakho ukuhlawula ngokwaneleyo ukuthenga indlu. Iipesenti ezingamashumi amathathu namabini ezithengiswa kwikhaya namhlanje ziya kuqala ukubuyela ekhaya, xa kuthelekiswa nama-40 ekhulwini ngokwembali, ithi iNAR. Ngokuqhelekileyo, lo mthengi uneminyaka engama-32, ufumana i-$ 72,000 kwaye ukhokhe i-$ 182,500 yekhaya. Isibini esineengeniso ezimbini sihlawula i-208,500 yeedola, ngokulinganayo.
7. Abanini-bemi bahlala bengathathi ngokulinganayo kwamakhaya abo. Ukulingana kwasekhaya kwaphakama kwi-85 yezigidigidi ngo-2006. Kwaye kwawa ngaphantsi kwama-dollar ayi-10 yezigidi ngo-2010, kwaye yahlala khona kwaze kwaba ngo-2015. Ngo-2017, bekuye kwavela kuphela kwi-14 billion yezigidi. I-Obamacare yeso sizathu seso. Ukufakela i-Bankruptcy kuye kwawa ngama-50 ekhulwini ukususela kwi-ACA. Ngo-2010, abantu abayizigidi eziyi-1.5 bafaka. Ngo-2016, kuphela 770.846 kuphela.
8. Abanye abantu bathetha ukuba ixabiso lezindlu zelizwe liye lidlula u-2006. Kodwa xa zilungelelaniswe iminyaka eyi-11 yokunyuka kwamaxabiso, ziphela kwinqanaba lika-2004 kuphela. Phakathi ko-2012 kunye no-2017, amanani asekhaya aphakanyisiwe ngama-6.5 ekhulwini ngonyaka. Phakathi ko-2002 no-2006, bavuka kuma-7.5 ekhulwini ngonyaka. Ngonyaka ka-2005, zikhupha iipesenti ezili-16.
9. Abakhi bekhaya bajolise kumakhaya aphezulu. Amakhaya amatsha aphezulu kwaye axabisa. Ubungakanani obuqhelekileyo bekhaya elitsha lentsapho elingatshatanga liyi-2,700 inyawo. Okuthelekiswa neenyawo ezingama-2 500 ngo-2006.

Yintoni Enokubangela Ukubola

Ireyiti ephezulu inzala ibangele ukuwa kwixesha elidlulileyo. Kungenxa yokuba benza iitaliti ezibiza kakhulu. Okucotha ukwakhiwa kwekhaya, ukunciphisa ukubonelela. Kodwa iyancipha kwakhona ukuboleka imali, eyanciphisa umrhumo. Ngokubanzi, ukunyuka kwezinga lentengo elincinci kwaye elincinci liza kudala inhlekelele.

Kuyinyani ukuba amazinga enzala aphezulu aqala ukuwa kwezindlu ngo-2006. Kodwa ke ngenxa yabaninzi ababolekayo abanomdla-mboleko kuphela kunye nemali-mboleko yokuguqula imali . Ngokungafani nemboleko yesiqhelo , ixabiso lentengo liphakama kunye neqondo lokunyusa imali . Abaninzi babenemilinganiselo ye-teaser ye-intros reset emva kweminyaka emithathu. Xa i- Federal Reserve iphakamisa amaxabiso ngelixa elifanayo ibuyele kwakhona, ababolekisi bafumene ukuba abanako ukufumana iintlawulo. Amanani asekhaya awa ngexesha elifanayo, ngoko aba babolekisi-mali babenako ukwenza iintlawulo okanye bathengise indlu. Yingakho amazinga angaguquki aphezulu kakhulu.

Imbali yesantya semali esondliwe idalula ukuba ama-Fed aphakanyisiwe amazinga kakhulu ngokukhawuleza phakathi kuka-2004 no-2006. Ireyithi yaba yi-1.0 ekhulwini ngoJuni 2004, ngokuphindwe kabili kwi-2.25 ekhulwini ngoDisemba. Iphindwe kabini amazinga, ukuya kuma-4.25 ekhulwini, ngoDisemba 2005. Kwiinyanga ezintandathu kamva, izinga lalingama-5.25 ekhulwini.

I-rates ephakanyisiweyo ye-Fed ephakanyisiwe ukusuka ngo-2015. Yayiphakamisa ibe yi-0.5 ekhulwini ngoDisemba 2015. Yayiphakamisa iphuzu eli-1/4 ekupheleni konyaka we-2016, kwaye i- 1.25 iphesenti ngoJuni 2017 .

Iimakethi zengingqi zingabonakala xa iibhanki kunye neentengo zemali zabuyela ekutyaleni imali kwimveliso yezemali engozi. Ezi ziphumo ziyimpembelelo enkulu yeengxaki zemali . Amabhanki atyunyule iimali zokubolekwa kwemali kwaye aphinde abuyele kwiimali zokugcina imali. Ezi ziqinisekiso zazingumsebenzi omkhulu kunamabhondi ngokwabo. Yingakho iibhanki zithengisa iimali zokuthenga imali malunga nantoni na. Babedinga ukuba baxhase iziphumo. Bawacoca ukuze i-mortgages embi ifihlwe kwiimfumba ezilungileyo. Emva koko xa ababolekayo bebenzileyo, zonke iimveliso eziye zaxelwa ukuba zibi. Yingakho kubangele ukutshabalalisa kuka-Bear Stearns kunye noLehman Brothers.

Isicwangciso sohlaziyo lwentlawulo yerhafu singabangela ukuwa kwamanani angakhokelela ekuhleni. I-Congress iphakanyisile ukususa ukuncitshiswa kwintlawulo yemithwalo yempahla. Ukuncitshiswa ku-$ 71 billion. Isebenza njengenkxaso yombuso kwimakethi yezindlu. Ukuphulwa kweerhafu kunceda abanini bezindlu abanemali engama-195,400. Oku kukhulu kunamaxabiso angama-5,400 amaxabiso abanikazi. Nangona isicwangciso serhafu sihlala sinqunyulwa, isicwangciso serhafu sithatha ininzi yokhuthazo. Isicwangciso seTrump saphakamisa ukutsalwa okuqhelekileyo. Ngenxa yoko, amaMerika ayengeke aphinde aphendule. Xa oko kwenzeka, abazange bakwazi ukusebenzisa inzuzo yokubanjiswa kwemali. Icandelo lezakhiwo zendawo lichasa isicwangciso serhafu.

Iimarike ziyakwazi ukuwa ukuba i- curve isivuno kwiimpawu ze- US Treasury zitshintshiwe . Yilapho ixabiso lentengo ye-Treasury yesikhashana iphakamileyo kunezivuno zexesha elide. Iimveliso eziqhelekileyo ezifutshane ezifutshane, ngenxa yokuba abatyali-mali abadingi ukubuyela okuphezulu ukutyalo-mali ngaphantsi konyaka. Xa loo nto ingenayo, ithetha abatyalo-mali ukuba bacinga ukuba ixesha elifutshane liphezulu kunexesha elide. Oku kudlalwa ngumonakalo wemakethe yemboleko, kwaye ibonisa ukunyuka kwemali. I-curve yesivuno ishintshwe ngaphambi kokuba i- iess ions ye-2008, 2000, 1991, no-1981.

Iintengo zeNdlu ziya kuwa?

Kwi-bubble yokugqibela yezindlu, abaqashi bekhaya bahambisa iimvume zakhiwo ezintsha. Kwangaphantsi kwezigidi ezi-1 ngo-1990 ngexesha loqoqosho. Kwenyuka ngokukhawuleza kuwo onke ama-1990, ngaphaya kwe-1 yezigidi ngo-1998. Yahlala kuloo nqanaba ukuya ku-2002, xa idlule i-1.5 yezigidi. Ibethele irekhodi elitsha lezigidi ezi-2 ngo-2004 no-2005. Ngo-2006, ixabiso lezindlu laqala ukuwa. Abakhi bezindlu bafuna iimvume ezingaphezulu kwe-1.5 yezigidi. Lwawela ngaphantsi kwe-1 yezigidi ngo-2007. Ngo-2009, laye lawa ku-500,000.

Baye bafumana ngokukhawuleza ukuya kwi-1.3 yezigidi ngo-2017. Kulindeleke ukuba baqhube behla, ukuya kwizigidi ezili-1,1 ngo-2020.

Uza kuphinda uphinde uphinde uhlawule i-Market Market?

Ukuhlaselwa kweemarike ezalandelayo kuya kwenzeka ngo-2026, ngokutsho kwiprofesa yaseHarvard Extension School uTe Nicholas. Ubeka isiseko sokufunda kwisicutshulwa nguHomer Hoyt. I-booms-and-busts i-estate estate ilandele umjikelezo weminyaka eyi-18 ukususela ngo-1800. Okukuphela kweMfazwe Yehlabathi II kunye ne-stagflation.

UNicholas uthi imakethe ye-real estate ye-2017 isesigaba sokwandisa. Isigaba esilandelayo, i-hypersupply, ayiyi kuba yilapho ireyithi zerenti zerenti ziqala ukwanda. Ukuba oko kwenzeka ngelixa i-Fed iphakamisa inzala, inokubangela ukuphazamiseka.

Indlela Yokuzikhusela Kokuqhuma

Ukuba uninzi lwabantu baseMerika abanenkxalabo, ngoko kukho izinto ezisixhenxe onokuzenza ukuze uzikhusele kwi-crash yangaphandle.

1. Thenga indlu ukuze uhlale kuyo, kungekhona ukufakela. Iibini ezithathu kwezindlu ezilahlekileyo kwiinkathazo zezemali zazingumakhaya wesibini kunye namathathu. Xa intengo yentengiso yehla ngaphantsi kwe-mortgage, abanikazi bahamba. Bagcina amakhaya abo, kodwa balahlekelwa utyalo lwabo.
2. Fumana umyinge wemali. Njengoko ukunyuka kweentengo zemali, ukuhlawulwa kwakho kuya kuhlala kufana. Ukuba oku kuthetha ukuba unako ukufumana ikhaya elincinci kuphela, oko makube njalo. Kungcono kunokuba uthathe ingozi kwaye ulahlekelwe kamva.
3. Ukuba ufumana umyinge wemali eguqukileyo, thola ukuba yintoni umyinge wenzala uza kuba xa uhlawulela. Bala inani lokuhlawula kwenyanga kwaye uqinisekise ukuba unokukwazi ukuhlawula ngenzuzo yakho yangoku. Thatha umahluko phakathi kwelo xesha luza kuhlawula kunye noko uhlawula namhlanje ngezinga eliphantsi lomdla kwaye ulondoloze. Ngaloo ndlela uza kuba neengxowa-mali zokuhlawula imali yakho yokubolekwa kwemali xa iholo lakho liwela.
4. Thenga indlu enkulu kunazo zonke kwindawo engcono kakhulu. Qinisekisa ukuba indawo inezikolo ezintle, nokuba ngaba awuyikucwangcisa ukuba nezingane ngokwakho. Abathengi abanako. Unako ukuphucula indlu rhoqo kwiminyaka ukuba iimvume zakho zengeniso. Abamelwane abalungileyo abayi kubandezeleka kakhulu ekuhlahleni okulandelayo njengeendawo ezihlwempuzekileyo. Baya kubuyisa kwakhona ngokukhawuleza.
5. Qinisekisa ukuba indlu yakho inezindlu ezintathu zokulala. Oku kuya kutsala iintsapho ukuba ufuna ukuthengisa.
6. Indlela eyona ndlela yokuzikhusela ngayo iphothifothiyo ehlukeneyo yeefa . Ukuchithwa kuthetha ukuhlanganiswa okulinganayo kwezitokisi , iibhondi, iimpahla kunye nokulingana ekhaya lakho. Abaninzi abacwangcisi bemali ababandakanyi ukulingana kwekhaya njengempahla, kodwa kufuneka. Yona nto ibaluleke kakhulu abantu abaninzi.
7. Ukunciphisa umonakalo we-real estate collapse, thengisa indlu encinane kunazo zonke onokuhlala kuyo. Zama ukuhlawula imali yakho yokubambisa kwangaphambili, ngoko ulahlekelwa ngumzi wakho. Ukukhulisa utyalo lwakho kwiimpahla, izibophelelo kunye neempahla ukuze zilingane okanye zigqithise ukulingana kwekhaya. Ukuba kukho i-bubble ye-asethi kwizindlu, ungaxhomeki kwisilingo sokuhlaziya kunye nokuthatha ubulungisa. Kunoko, hlaziya kwakhona ukwabiwa kwakho kweefa ukuze uqinisekise ukuba kusekunjalo.