Unako ukuqikelela iMarike yeZindlu zonyaka ozayo
I-Census Bureau ikhupha iziqikelelo zenyanga zentengiso yokuthengisa ekhaya. Inani lezentengiso linikezelwa njengezinga lonyaka.
Oko kuthetha ukuba ukuthengiswa kuyaqhubeka kufikelele kule nqanaba, ngaba bangaphi abathengisa ngonyaka.
I-Census Bureau ikwabandakanya amakhaya amatsha amanani ekuthengiseni kwawo, nangona kungekho mthengi. Ezi ziqhelekileyo izindlu ezifaniswayo nabakhi bekhaya basebenzise ukukhuthaza ukuthengisa ekuphuhlisweni. Amakhaya athile abalwa njengempahla entsha yokuthengisa ekhaya xa imvume ikhutshwe, okanye ukwakhiwa kuqalile. Yilapho ukufumana idatha kwiZintengiso zeeNtshontsha .
Iiminyathelo ezi-4 zokwakha indlu
Ukuthengiswa kwekhaya elitsha kuyisinyathelo sokuqala kwinyanga yesithoba ukuya kweyeshumi elinambini. Ukuba kuthengiswa kwekhaya elitsha, uyazi ukuba ukuvalwa kuya kuphakama malunga nonyaka. Nangona kunjalo, onke amanyathelo amathathu aseleyo kufuneka agqitywe.
Imvume - Ngeentsuku ezingama-60 ukuya kwi-90 emva kokusayinwa kwamaphepha, abalawuli bezindlu zendawo banikezela imvume. I-Census Bureau inika le nkcukacha ngenyanga. Izikhulu zakhiwo zesiXeko ziyakwazi ukuxhaswa xa kukho ukuhlaselwa kwezicelo zeemvume ezintsha zekhaya.
Oku kunokunciphisa inkqubo kule ndawo.
Qala - Ukuqala kwekhaya elitsha kwenzeka xa umakhi ephula umhlaba. Ngokuqhelekileyo zenzeka malunga neenyanga ezimbini emva kokuba indlu ithengiswe ngentengiso ngokuthengiweyo kwaye imvume ivuliwe. Iyenzeka malunga neenyanga ezintandathu ngaphambi kokuvalwa. Ngenxa yalesi sizathu, kuluphawu olulungileyo lokubonisa indawo apho ukuthengiswa kwemakethe yezindlu kuya kuba kwiinyanga ezintandathu ukuya kunyaka.
Umbutho weSizwe wabakhi beZindlu ubika ngale nyangazonke. Iingqinisiso zinikezelwa ngabakhi bezindlu ngokwabo. Isiqalo senzeke emva kweenyanga ezintathu emva kokuthengiswa kwekhaya elitsha. Ngoko ke, uqala ukuqinisekisa imimiselo eqala ukubonisa ukuthengiswa kwekhaya elitsha.
Akunjengelibonisa nje ngeemvume ezintsha zekhaya, okanye ukuthengiswa kwekhaya elitsha, kodwa lichanekile ngakumbi. Ngokomzekelo, abakhi bangakwazi ukuphawulwa kwaye bangakheli iiyunithi ezivumelekile. Bangatshintsha inani leeyunithi ezakhiwe kwiintsapho ezininzi. Enyanisweni, i-22.5% yeemvume zeentlobo-ntsapho azikhe zakhiwe, okanye zitshintshelwe kwiiyunithi zentsapho ezingatshatanga. Ekugqibeleni, abaphuhlisi bafumana iimvume zokufumana inxalenye enkulu yinkathazo enokuthatha inyanga kunye neenyanga ukwakha.
Iqala ukuqala ekhaya xa umakhi ethembele ngokwaneleyo ukuba aphule umhlaba. Ukongeza, ezinye iindawo (malunga ne-2.5% yenani elipheleleyo) azidingi iimvume phambi kokuba umakhi aqale. Nazi ezinye ezivela kwiCensus Bureau.
Izibalo malunga nokuqala kwamakhaya ziqala ngokulula, njengoko zilinganiswa yi-US Census Bureau. Ingxelo ikhutshwa rhoqo nyanga. Iziqalo zityhulwa zibe zizwe kunye neendawo ezine zendawo, nokuba ingaba isakhiwo-sentsapho okanye izakhiwo zezindlu zezindlu.
Nantsi isakhiwo esandul 'ukuqala siqala iinani.
Ikhaya elitsha liqala ukuxelela indlela abakhi bezithemba ngayo malunga nokwakhiwa. Nangona kunjalo, gcinani engqondweni ukuba phezulu le nombolo, enkulu ukunikezelwa kwezindlu. Amakhaya amatsha ngokugqithiseleyo athengisa abathengi ngaphezu kweengxabano. Ngoko ke, ukuba amakhaya amatsha amaninzi atyunjwe, inokubangela ukuba ucinezele ixabiso lemali. Oku kubiza abanikazi bezindlu ngabanye.
Ukuba abakhi bezindlu bafumana ingxaki yokufumana izinto okanye abasebenzi, oku kunokunciphisa inkqubo. Ngokomzekelo, ngo-2015 bekukho ukunqongophala okuncinci kwabasebenzi bokwakha abanezakhono. Kungenxa yokuba abaninzi baye bashiya ishishini ngexesha loKhuselo oluKhulu . (Umthombo: i-NAHB, ukuThengiswa kweNdlu entsha)
Ukuvala - Oku kwenzeka malunga neenyanga ezintandathu ukuya kwezi-9 emva kokuqala. Ummeli- mboleko kufuneka afumane umboleko ngaphambi kokuba ikhaya livale. Ukuba umgcini-makhaya akafanelekanga, indlu iyahlala ekufakweni kwempahla.
Ukuba le nani-manani iyancinci kunomlinganiselo wokuthengiswa kwekhaya, ithetha ukuba i-market market entsha iya kuqala ukucotha. Kukho amakhaya amaninzi akhiwayo, kwaye abanakho abathengi basekhaya abaqeqeshiweyo. Kwakhona kuthetha ukuba abakhi bazoqala ukuhlahlisa amaxabiso ukucima ama-inventories abo. UFannie Mae ukhulula ingxelo malunga nazo zonke izibonelelo zemali apha.
Ezinye izikhombisi zezoQoqosho zasekhaya
Inventory - Le yonke iindlu ezikhoyo ezithengiswayo, kodwa zingasetyenziswanga. I-NAHB ibikela le nyangazonke.
Iinyanga zoNikezelo - Ezi zingaphi iinyanga eziza kuthatha ukuthengisa zonke izindlu kwi-inventory. Isekelwe kwinqanaba lokuthengisa kunye ne-inventory. I-NAHB iphinda ihlawule le nyangazonke.
Amanani okuthengisa Nantsi ukukhululwa kwangoku .
Indlela yokusebenzisa iiNkcukacha zeKhaya ezintsha.
Ngalunye lwezi zikhombisi lichaza ibali elincinane ngokuphathelele kwimpilo yokwakha indlu. Umzekelo, ukuqala ekhaya kuqala, kodwa indlu iya kuqala. Oku kuya kuthatha ixabiso lokuthengisa ekhaya. Abathengi abaninzi abanokungafuni ukulinda ixesha elingaphezu konyaka. Kwakhona kuthetha ukuba kunqongophala kweemithi, ikhonkrit, okanye abasebenzi bokwakha. Ezi ntlupheko zingaqhuba iindleko, kunye namaxabiso okuthengisa. Oku kuya kunciphisa kwakhona imfuno yamakhaya amatsha.
Ukuba i-mortgages iyancipha, i-homebuilder iya kugqitywa kunye ne-inventory yezindlu ezingenakuthengiswa. Kwakhona kuthetha ukuba imfuno iphezulu, kodwa abanini bezindlu abanako ukufumana imali. Ukuqala ekhaya ukuqala kungabonakala ngathi kuyisilathisi samandla okuhlala. Kodwa ingaba ngumqondiso ombi. Ukunciphisa ukuvalwa kwekhaya kuthetha ukuba imarike yezindlu ibuthathaka.