גורו נדל”ן: אולי הגיע הזמן לקנות בית – עכשיו

tempadmin1
Lior Lustig January 18
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שוק הדיור מתקרר כאשר הצרכנים מתעייפים מהריבית הגבוהה יותר של משכנתאות. בדצמבר, מספר הבתים החדשים שנמכרו ירד בכ-37% לעומת שנה שעברה, לפי נתוני Redfin.
מה רואים אנשי מקצוע בתחום הנדל”ן בשטח?
סיאנה סמית’ מ-Yahoo Finance Live ישבה לאחרונה עם קתי קייסי, מתווך קולדוול בנקר למגורים בדנוור, דן אובריאן, מאינדיאנפוליס, מתווך ב-Trueblood Real Estate, וסר אשלי הריסון, מתווך נדל”ן בקבוצת הריסון עם Fathom Realty בשארלוט, צפון קרוליינה (סרטון למעלה).
השורה התחתונה: ירידה בולטת בביקוש הצרכנים.
“אנחנו רואים יותר מלאי, אבל [פחות] רישומים חדשים, והביקוש לקונים ירד. ואנחנו מקבלים הרבה יותר הקלות למוכר, אבל התמחור נשאר מאוד דביק”, אמר קייסי.
אובריאן הוסיף: “אז, דברים נמשכים עוד קצת בשוק. הימים בשוק עלו. אבל מחיר המכירה החציוני עדיין עלה ב-9% בערך משנה לשנה. אבל הביקוש של הקונים בהחלט הואט עם עליית הריבית”.
השלישייה גם ציינה את השכיחות העולה של הקלות של הקונים – כמעט 42% ממוכרי הבתים נתנו תמריצים כאלה במהלך שלושת החודשים האחרונים של 2022, לפי Redfin. הקלות כאלה כוללות עלויות סגירה נמוכות יותר, כסף לתיקון ועלייה ברכישת ריבית משכנתא. לדוגמה: עלייה של “2-1 רכישה למטה”, הסכם המאפשר לרוכשי דירות לשלם ריביות נמוכות יותר בשנתיים הראשונות להלוואות המשכנתא שלהם.
“זה מה שבאמת עוזר לקונים… גם להיכנס לבתים שהם רוצים, כי סבירות היא המפתח כאן בקולורדו,” אמר קייסי. “רק כדי לתת לך קצת פרספקטיבה, מחירי הדירות שלנו הוכפלו בעשר השנים האחרונות. ולכן השכר פשוט לא יכול לעמוד בקצב הזה. אז כל מה שיעזור לקונים להיכנס לבית זה מה שהמוכרים עושים עכשיו”.
אובריאן אמר שאותו דבר קורה באינדיאנפוליס. “אנשים הופכים יצירתיים עם הלוואות המשכנתא. בנקים שונים מציעים סוגים שונים של מוצרי משכנתא כדי לעזור עם שיעור המשכנתא המוגבר הזה”, אמר אובריאן.
זמן לקנות?
למרות הביקוש הרך יותר, צפון קרוליינה נותרה אחד השווקים הפופולריים ביותר. (זיללו דירג לאחרונה את שרלוט כשוק הדיור החם ביותר.) הריסון אמר שאולי זה הזמן לקנות. “אם היית בשוליים ולא הצלחת לגרום להצעתך להתקבל בשנתיים האחרונות, זה הזמן לעבור. למרות שהריבית קצת יותר גבוהה, אתה לא מתחרה עם כל כך הרבה אנשים”.
כל שלושת המומחים חזו בסופו של דבר שריביות המשכנתא ירדו עד סוף השנה יחד עם עלייה בפעילות הקונים. שיעורי המשכנתא עומדים כיום על 6.33% עבור הלוואה קונבנציונלית ל-30 שנה, על פי סקר שוק המשכנתאות הראשי של פרדי מאק. זאת בהשוואה ל-3.45% בתקופה המקבילה אשתקד.
“אז, אם אתה מחפש לקנות, אל תחכה כי אתה רוצה לצאת לשם לפני ששאר השוק יקפיץ בחזרה פנימה מה שהיה בצד”, אמר קייסי.

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tempadmin1
Lior Lustig
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