Kuzo zonke iimarike, nokuba iimveliso okanye imali, ukubonelela kunye nemfuno ziya kuhlala zichonga ukunyuka kwexabiso. Ngoku ukuba ndithethile, ndiya kuguqula ngento yokuba urhulumente okanye enye ngaphandle kwemizamo yokuvuselela iimakethe iya kuhlala iqhuba iimarike ngokufanelekileyo. Kwaye, andicinga ukuba kungcono kunokuba uphuculo oludala kunye neemfuno .
Ukujonga emva kwendawo yokuhlala kunye nokukhubazeka kwempahla eyaqala ngo-2006 kwaye yanciphisa iimarike kwaye yadala ukunyuka kwemali, ukubonelela kunye nokufuna kwakungendawo yesibini emva kokuvuselela okubonakalayo.
I-blame iphoswe ngokukhawuleza ngenxa yokuphazamiseka, kwaye ezininzi zizinzileyo kwi-stimulus karhulumente kwaye i- finance efumaneka ngokulula ngaphandle kokukhuselwa okwaneleyo.
Ngoko, ukuthetha ngokuhlukileyo, kwakulula kakhulu ukuthenga nokuxhasa imali, ngoko ke wonke umntu wayefuna ukuba "kumdlalo." Ukuqhawula kwakuyi shishini elikhulu, kwaye amaxabiso ayekhuphuka ngokukhawuleza unokwenza imali ngaphandle kokwenene utyalo-mali. Ngoko ke, abantu babekhukhula kwiimarike bezama iifutshane zexeshana, kwaye ekugqibeleni bonke beza ekhaya beza.
Ngelo thuba elikhokelela ngo-2006, imfuno yayininzi kwaye inikezela ngeendlela ezahlukahlukeneyo ezazisenziwa ngokubanjelwa ngabathengi abaqhelekileyo kunye nabatyalo-mali bezindlu zokuqeshisa. Kwakungekho iimarike apho ukubonelelwa kwenene / iimfuno ezichaphazelekayo kunokuchaphazela amaxabiso ngokufanelekileyo. Kwakunzima kwaye wonke umntu wayefuna. Xa yaphazamiseka, yaphazamisa enkulu.
Ngoku, ngasekuqaleni kuka-2016, sibona amanqaku avelayo ebuza umbuzo othi "Ukwenyuka kwamaxabiso kuthetha ithamo elitsha lentengo kwi-real estate?" Njengabo bonke abatyali-mali kwiimarike, ndinoluvo lwam.
Impendulo yam kumbuzo ayikho. Asiyi kungena enye ibhola elikhulu lentengo. Izizathu zombono wam zinxulumene nokunikezelwa okulula kunye neempembelelo zemarike. Makhe siqwalasele ezinye zezizathu zokuba ndibambe le ngcamango:
- Isitoreji esincinci: Kwiimarike ezikhoyo zangoku, ubuninzi beengcinezelo eziphezulu kwixabiso libangelwa kumanqanaba aphantsi okubalwa. Abathengi baphoqelelwe ukuba bancintisane neepropati ezimbalwa, kwaye amaxabiso aphakanyisiwe.
- I-baby boomers ayithengisi kumanqanaba adlulileyo.
- Ababonanga amaqhinga abakhohlisayo ukulahla amakhaya abo kunye nokuthenga indawo.
- Bayalindela ukunyuka kwexabiso ukwenzela ukuba bangene kwiindawo zabo zokulingana.
- Abathengi bokuqala abayithengi kumanqanaba embali, kodwa xa bekwenza bazimisele ukuzithengisa amaxabiso ukuze bafumane oko bafuna.
- I-baby boomers ayithengisi kumanqanaba adlulileyo.
- Imithetho ethintekayo yemithwalo yempahla: Abathengi abanako ukufumana abo bangenayo imali okanye ingeniso-mboleko yokuqinisekisa ingeniso. Izidingo zomthengisi zizinzima, kwaye iziqinisekiso zorhulumente nazo.
Ukwanda kwamanani esiwabonayo ngoku sele kusondele ngokupheleleyo kwiimpahla eziphantsi, iimfuno eziphezulu kunokuba zinikezelwe. Nangona imfuno ayikho kwiimbali zembali, ukubonelela kungaphantsi kwembali. Ngoko ke, abathengi namhlanje banamanani amaxabiso kumakhaya afunwayo. Ngoku makhe sijonge ngokusondeleyo kwimimandla yemakethe ezayo ukuze sibone oko kunokwenzeka xa kufikelelwe ekunikezeni kunye nokufuna:
- Ayikho into efunayo nayiphi na ixesha ngokukhawuleza: Imfuno kufuneka ibambe ngokufanelekileyo, njengoko uqoqosho kunye neemeko zengqesho azikhuthazi. Ngoko, akukho mfuno enyukayo inokunyusa amaxabiso amaninzi, kodwa andicinga ukuba ide.
- Ukubonelela kunokuthatha inqumlezo: Masithi amaxabiso aqhubeke ephakamisa ixesha elithile. Ngexesha elithile, abathengisi abalindile kumaphiko banokugqiba ukuba ubulungisa babo bubulungele kwaye bahlule amakhaya abo athengiswayo. Baye bakhathazeka ngokunyuka kwamaxabiso okuthenga imali, ngoko ke ngezinye iinkalo baya kuluhlu lokubetha ukukhula kwamazinga.
Ngoko, kwenzeka ntoni ukuba imfuno ihlala ihlale ihleli kwaye ukunikezela kuthatha ukungena? Ngokucacileyo, ukunyuka kwamaxabiso kunokugqithisa okanye kuguquke kwakhona.
Ewe, amaxabiso aphantsi okanye ixabiso eliqingqiweyo liya kukhwela abathengi abaninzi, kodwa andicinga ukuba ngumbandela othe ngqo kunye nokubonelela. Ndicinga ukuba ukuthengiswa kuya kukhula ngokukhawuleza kunokuba kufunwa, kwaye amaxabiso aya kuzinza okanye ahlawule ngenxa yalo.
Kulungile, abatyali-mali bayisihloko, ngoko oko kuya kuthetha ntoni kuthi? Iifutshane zexesha elincinci zingathatyathwa, njengoko zichaneke kakhulu xa kuziwa kutshintsho lwexabiso lemfutshane elifutshane. Abatyala-mali bexesha elide baya kufumana umahluko omkhulu kwimibono yabo. Iirhafu zisakhula ngokukhawuleza kunamaxabiso asekhaya, ngoko ke ukufumana ithuba lokuqashisa ikhaya elikhethiweyo ngokukhawuleza. Qhubeka ufumana izicwangciso ezilungileyo.