Ayizondaba zokonyuka kwemali engena kwi-San Francisco Bay Area yenze ukuba indawo yentengiso yezindlu ikhuphisane ngokungenangqondo. Kodwa kusothusa ukubona amanani aphezulu sele ephakama-kwaye ngokukhawuleza. Kwimeko kwinqanaba: Zillow Kutshanje kukhutshwe uphononongo oluthi, ngoJuni 2019, izixeko ezisithoba ezikwi-Bay Area ziya kuba namaxabiso asekhaya angaphezulu kwe- $ 1 yezigidi. Ngapha koko, ezine kwezi zixeko zibiza kakhulu ezintlanu eziboniswe kolu luhlu zikwindawo ye-Bay Area: iBurbank (idolophu encinci ekufutshane neSan Jose), Morgan Hill, East Palo Alto, kunye neBroadmoor Village. Esinye nesinye sezi zixeko sele sinexabiso eliphakathi lasekhaya ngoJuni 2018-ukusukela kwi- $ 984,300 ukuya kwi-999,500 yeedola- kodwa kulindeleke ukuba ifike kwi-1.1 yezigidi zeedola, ngokomndilili, kwihlobo elizayo.
Ngokuka-Peter Holmes, umcebisi nge-mortgage Imali mboleko eSterling e-Alameda, imakethi yezindlu yase-Bay Area yaxabisa i-12 ukuya kwi-15 leepesenti kunyaka ophelileyo, xa kuthelekiswa neenkcukacha-manani jikelele zemarike yokuthengisa izindlu nomhlaba esempilweni iphakathi kwe-5 ukuya kwi-7 yepesenti.
Ndinexhala kwaye, ngokuqinisekileyo ngamanye amaxesha ndothukile, kumaxabiso esiwabonayo kwiimarike ngoku-amaxabiso ngokuqinisekileyo ayenyuka, utshilo uHolmes. Sibona iipropathi ezinokuba ziinyembezi-phantsi okanye zincinci kakhulu ezithengisa kumaxabiso anyuswe kakhulu ngoku.
Njengomphandle, i-1.1 yezigidi zeedola ibonakala ngathi ininzi-kodwa oku kuthetha ntoni ngenene kwabo bahlala eSilicon Valley?
Uninzi lwabathengi kwi-Bay Area bomelele kakhulu ngokwezezimali, ngokomndilili benza i-170,000 ukuya kwi-280,000 yeedola ngonyaka njengesibini, utshilo uStephen Wong, iarhente yemboleko mboleko Ukuthengisa izindlu neBayOne .
Kulo nyaka kuphela, uWong uqikelele ukuba usebenze nabathengi abali-10 ukuya kwi-15 yezigidi zeedola kufutshane naseSan Jose, apho azinza khona. Ngenxa yemali yabo, ezo zibini ziya kukhangela izindlu ezisuka kwi-1 yezigidi zeedola ukuya kwi-1,6 yezigidi-kufutshane nexabiso eliphakathi uZillow aqikelela.
UHolmes uthi kuyacetyiswa ukuba abo bajonge ukuthenga ikhaya akufuneki benze kuphela i-175,000 yeedola ngonyaka, kodwa kufuneka babe ne-120,000 yeedola ebekelwe kude ukuze bahlawule. Nangona kunjalo, kuhlala kungcono ukuba nemali eninzi egciniweyo. Kuqhelekile ukuba umthengi oza kubakho afune ukubeka intlawulo encinci yeepesenti ezingama-20 ekhaya. Ke, umzekelo, ukuba isibini sijonge ukuthenga umzi e-East Palo Alto exabisa i-963,000 yeedola-ixabiso eliphakathi lekhaya esixekweni kulo Juni uphelileyo-bayacetyiswa ukuba babeke phantsi i-192,600 yeedola.
Ngelishwa lilizwe elinobulungisa obukhulu kubathengi ukuba bangenise, kunye nengeniso ephezulu kakhulu kumakhaya ekufuneka eyenzile ukuze afaneleke, utshilo.
Nangona imivuzo yaseBay Area iswke ngaphezulu kwezinye iindawo zelizwe, kunjalo nangeendleko zokuphila. Inkqubo ye- umvuzo wentsapho kule ndawo zii- $ 118,400 — kodwa iSebe lezeZindlu noPhuhliso lweeDolophu e-U.S. ngoku lijonga umvuzo wonyaka we-117,400 weedola njengomvuzo ophantsi. Ewe, nangona le ngeniso isenokuvakala ngathi ininzi kwabo bahlala kwiindawo ezingabizi mali ingako, akwanelanga ukuthenga ikhaya.
Umhlali waseSan Jose uKelly Pulizzi usebenze ngokusemandleni akhe nomyeni wakhe, uDavid, ukuzincama ukuze babenakho ukufumana ikhaya kungekudala. Nangona kunjalo, ngengeniso yabo edibeneyo eyi- $ 120,000, baxelelwe ukuba abanako oko bakuthathayo nokuba bacinge ngokungena kwintengiso.
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Sobabini sikhulele eSilicon Valley, ke zombini iintsapho zethu zilapha kwaye ngokwendalo, kwakubaluleke kakhulu kuthi, ukucinga ixesha elide, ukuba sisondele kwiintsapho zethu, utshilo. Isilumko sikaJob, iyavakala into yokuba sibambe imisebenzi apha kuba amandla okufumana umvuzo aphezulu kakhulu.
UPulizzi usebenza kwintlalontle yamashishini kwiinkampani ezininzi ezinkulu, ngelixa umyeni wakhe esebenza kucwangciso lwezemali. Ngaphandle kwamabala abo kunye nengeniso, esi sibini sibonakala ngathi asifaneki xa kuthelekiswa nenani labanye abathengi. UPulizzi uxelelwe ukuba aphindaphinde kathathu umvuzo wakhe wonyaka ukuze athenge indlu.
Sobabini siziva ngathi siqhuba kakuhle-singabathweswe izidanga kwikholeji, sobabini senza oko kunokuba ngumvuzo olungileyo kwenye indawo yelizwe, utshilo. Kunzima ngokwenene ukuza kumgaqo wokuba senza okuhle xa ubona la maxabiso kwaye uzama ukufumana amanyathelo alandelayo.
Amava kaPulizzi yinto eqhelekileyo kule ndawo, kwaye imarike ithathele ingqalelo. I-CMG Mortgage (inkampani yabazali bakaSterling) ikhuphe inkqubo kunyaka ophelileyo ebizwa YasisiSisi -Iqonga lokubuyisa imali elininzi abathengi abanokulisebenzisa ukugcina imali yokubhatala ngoncedo lwabahlobo, usapho, abantu osebenza nabo, kwanabantu ongabaziyo. UHolmes uthe phantse abantu abangama-300, izibini kunye neentsapho ziyisebenzisile le nkonzo.
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UCheryl Mehe’ula, igosa lemali mboleko e Ubambiso lweFoley e San Jose, uye waphawula ukuba abathengi ngoku baqhele ukufumana uncedo kusapho-into ebingasoloko ixhaphake.
Kwiintsapho ezingathanda ukuba abantwana bazo bakwazi ukuhlala kule ndawo, kuba abantu abaninzi bayemka, abazali noomawokhulu baya phezulu ukuza kunceda, utshilo.
UMehe’ula ukhankanye ukuba uqaphele ukuba amakhaya aneentsapho ezininzi kunye namakhaya asezintsaneni aya esiba rhoqo.
Kwaye kwabo bangenako ukufikelela kuncedo lwangaphandle? UWong uthi kunyanzelekile ukuba wenze imali eninzi ukuze wonge, okanye wenze amadini ukuze ukwazi ukugcina ngenkuthalo: Ukuba unako, ucebisa ngokurenta kwenye indawo enexabiso eliphantsi ukuze ugcine imali.
Nangona kunjalo, eli nyathelo alikho maninzi azimisele ukulithatha.
Abanye abantu bakulungele ukuncama ukuthenga, utshilo uMehe’ula. Kodwa uninzi lwabantu alufuni kuncama ukuthenga ikhaya.
