{"id":383,"date":"2023-05-02T13:29:27","date_gmt":"2023-05-02T13:29:27","guid":{"rendered":"https:\/\/site.showvegasrealty.com\/?p=383"},"modified":"2025-08-08T02:49:29","modified_gmt":"2025-08-08T09:49:29","slug":"recession-doesnt-equal-housing-crisis","status":"publish","type":"post","link":"https:\/\/www.showvegasrealty.com\/ro\/recession-doesnt-equal-housing-crisis\/","title":{"rendered":"O recesiune nu este echivalent\u0103 cu o criz\u0103 imobiliar\u0103"},"content":{"rendered":"<p>Oriunde te ui\u021bi, oamenii vorbesc despre o posibil\u0103 recesiune. \u0218i dac\u0103 pl\u0103nuie\u0219ti s\u0103 cumperi sau s\u0103 vinzi o cas\u0103, acest lucru te-ar putea face s\u0103 te \u00eentrebi dac\u0103 planurile tale sunt \u00eenc\u0103 o mi\u0219care \u00een\u021beleapt\u0103. Pentru a te lini\u0219ti, exper\u021bii spun c\u0103, dac\u0103 vom intra oficial \u00eentr-o recesiune, aceasta va fi u\u0219oar\u0103 \u0219i scurt\u0103. Pe m\u0103sur\u0103 ce<em>\u00a0Rezerva Federal\u0103\u00a0<\/em><a href=\"https:\/\/www.federalreserve.gov\/monetarypolicy\/files\/fomcminutes20230322.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">explicat<\/a>\u00a0\u00een \u0219edin\u021ba lor din martie:<\/p>\n<blockquote><p><em>\u201c... proiec\u021bia personalului la momentul \u0219edin\u021bei din martie includea\u00a0<\/em><strong><em>o recesiune u\u0219oar\u0103 care \u00eencepe la sf\u00e2r\u0219itul acestui an, cu o redresare \u00een urm\u0103torii doi ani<\/em><\/strong><em>.\u201d.\u201d<\/em><\/p><\/blockquote>\n<p><strong>De\u0219i o recesiune ar putea fi la orizont, aceasta nu va fi una de neuitat pentru pia\u021ba imobiliar\u0103, precum criza din 2008. Ceea ce trebuie s\u0103 ne amintim este c\u0103 o recesiune nu duce \u00eentotdeauna la o criz\u0103 a locuin\u021belor.<\/strong><\/p>\n<p>Pentru a demonstra acest lucru, haide\u021bi s\u0103 analiz\u0103m datele istorice despre ce s-a \u00eent\u00e2mplat \u00een domeniul imobiliar \u00een timpul recesiunilor anterioare. \u00cen acest fel, ve\u021bi \u0219ti de ce nu ar trebui s\u0103 v\u0103 teme\u021bi de ceea ce ar putea \u00eensemna o recesiune pentru pia\u021ba imobiliar\u0103 de ast\u0103zi.<\/p>\n<h4><strong>O recesiune nu \u00eenseamn\u0103 sc\u0103derea pre\u021burilor locuin\u021belor<\/strong><\/h4>\n<p>Pentru a demonstra c\u0103 pre\u021burile locuin\u021belor nu scad de fiecare dat\u0103 c\u00e2nd exist\u0103 o recesiune, este util s\u0103 ne \u00eendrept\u0103m aten\u021bia c\u0103tre\u00a0<a href=\"https:\/\/www.thebalance.com\/the-history-of-recessions-in-the-united-states-3306011\" target=\"_blank\" rel=\"noopener noreferrer\">date istorice<\/a>. Dup\u0103 cum ilustreaz\u0103 graficul de mai jos, analiz\u00e2nd recesiunile care au \u00eenceput p\u00e2n\u0103 \u00een 1980, pre\u021burile locuin\u021belor s-au apreciat \u00een patru din ultimele \u0219ase. A\u0219adar, din punct de vedere istoric, atunci c\u00e2nd economia \u00eencetine\u0219te, nu \u00eenseamn\u0103 c\u0103 valorile locuin\u021belor vor sc\u0103dea \u00eentotdeauna.<\/p>\n<p><a href=\"https:\/\/files.keepingcurrentmatters.com\/content-images-20230428-20230502-a-recession-does-not-mean-falling-prices.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/files.keepingcurrentmatters.com\/content-images-20230428-20230502-a-recession-does-not-mean-falling-prices.png\" alt=\"\" \/><\/a><\/p>\n<p>Majoritatea oamenilor \u00ee\u0219i amintesc de criza locuin\u021belor din 2008 (<em>cea mai mare dintre cele dou\u0103 bare ro\u0219ii din graficul de mai sus<\/em>) \u0219i cred c\u0103 o alt\u0103 recesiune va fi o repetare a ceea ce s-a \u00eent\u00e2mplat cu pia\u021ba imobiliar\u0103 atunci. Dar pia\u021ba imobiliar\u0103 de ast\u0103zi nu este pe cale s\u0103 se pr\u0103bu\u0219easc\u0103, deoarece fundamentele pie\u021bei sunt diferite fa\u021b\u0103 de cele din 2008. Pe atunci, unul dintre principalele motive pentru care pre\u021burile au sc\u0103zut a fost acela c\u0103 exista un surplus de locuin\u021be de v\u00e2nzare \u00een acela\u0219i timp \u00een care propriet\u0103\u021bile aflate \u00een dificultate au inundat pia\u021ba. Ast\u0103zi, num\u0103rul de locuin\u021be de v\u00e2nzare este sc\u0103zut, a\u0219a c\u0103, de\u0219i pre\u021burile locuin\u021belor pot \u00eenregistra sc\u0103deri u\u0219oare \u00een unele zone \u0219i cre\u0219teri u\u0219oare \u00een altele, o pr\u0103bu\u0219ire pur \u0219i simplu nu este posibil\u0103.<\/p>\n<h4><strong>O recesiune \u00eenseamn\u0103 sc\u0103derea ratelor ipotecare<\/strong><\/h4>\n<p>Ceea ce \u00eenseamn\u0103, de fapt, o recesiune pentru pia\u021ba imobiliar\u0103 este sc\u0103derea ratelor ipotecare. Dup\u0103 cum arat\u0103 graficul de mai jos,\u00a0<a href=\"https:\/\/mtg-specialists.com\/recession-interest-rates-and-real-estate\/\" target=\"_blank\" rel=\"noopener noreferrer\">istoric<\/a>, de fiecare dat\u0103 c\u00e2nd economia a \u00eencetinit, ratele dob\u00e2nzilor ipotecare au sc\u0103zut.<\/p>\n<p><a href=\"https:\/\/files.keepingcurrentmatters.com\/content-images-20230428-20230502-a-recession-means-falling-mortgage-rates.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" src=\"https:\/\/files.keepingcurrentmatters.com\/content-images-20230428-20230502-a-recession-means-falling-mortgage-rates.png\" alt=\"\" \/><\/a><\/p>\n<p><em>Rat\u0103 de faliment<\/em>\u00a0<a href=\"https:\/\/www.bankrate.com\/real-estate\/buying-home-during-recession\/\" target=\"_blank\" rel=\"noopener noreferrer\">explic\u0103<\/a>\u00a0Ratele ipotecare scad de obicei \u00een timpul unei \u00eencetiniri economice:<\/p>\n<blockquote><p><em>\u201c\u00cen timpul unei recesiuni tradi\u021bionale, Fed va reduce de obicei ratele dob\u00e2nzilor. Acest lucru creeaz\u0103 un stimulent pentru ca oamenii s\u0103 cheltuiasc\u0103 bani \u0219i s\u0103 stimuleze economia.\u201d.\u00a0<\/em><strong><em>De asemenea, duce de obicei la rate ipotecare mai accesibile, ceea ce duce la mai multe oportunit\u0103\u021bi pentru cump\u0103r\u0103torii de locuin\u021be.<\/em><\/strong><em>.\u201d.\u201d<\/em><\/p><\/blockquote>\n<p>Anul acesta,\u00a0<a href=\"https:\/\/www.simplifyingthemarket.com\/en\/2023\/04\/03\/how-changing-mortgage-rates-can-affect-you\/?a=580658-3d37a2974f08ca3e573f7f92ac2d5eba\" target=\"_blank\" rel=\"noopener noreferrer\">ratele ipotecare<\/a>\u00a0au fost destul de volatile, deoarece au r\u0103spuns la infla\u021bia ridicat\u0103. Pe 30 de ani\u00a0<a href=\"https:\/\/www.freddiemac.com\/pmms\/archive\" target=\"_blank\" rel=\"noopener noreferrer\">rat\u0103 fix\u0103 a creditului ipotecar<\/a>\u00a0a fluctuat \u00eentre aproximativ 6-7%, iar acest lucru este afectat\u00a0<a href=\"https:\/\/www.simplifyingthemarket.com\/en\/2023\/04\/26\/the-three-factors-affecting-home-affordability-today\/?a=580658-3d37a2974f08ca3e573f7f92ac2d5eba\" target=\"_blank\" rel=\"noopener noreferrer\">accesibilitate<\/a>\u00a0pentru mul\u021bi poten\u021biali cump\u0103r\u0103tori de locuin\u021be.<\/p>\n<p>\u00cens\u0103, dac\u0103 exist\u0103 o recesiune, istoria ne spune c\u0103 ratele dob\u00e2nzilor ipotecare pot sc\u0103dea sub acest prag, chiar dac\u0103 zilele perioadei 3% au apus.<\/p>\n<h3>Concluzie<\/h3>\n<p>Nu trebuie s\u0103 v\u0103 teme\u021bi de ce \u00eenseamn\u0103 o recesiune pentru pia\u021ba imobiliar\u0103. Dac\u0103 vom avea o recesiune, exper\u021bii spun c\u0103 va fi u\u0219oar\u0103 \u0219i scurt\u0103, iar istoria arat\u0103 c\u0103 \u00eenseamn\u0103 \u0219i o sc\u0103dere a ratelor ipotecare.<\/p>","protected":false},"excerpt":{"rendered":"<p>Everywhere you look, people are talking about a potential recession. And if you\u2019re planning to buy or sell a house, this may leave you wondering if your plans are still a wise move. To help ease your mind, experts are saying that if we do officially enter a recession, it\u2019ll be mild and short. As [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-383","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-updates"],"_links":{"self":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/posts\/383","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/comments?post=383"}],"version-history":[{"count":0,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/posts\/383\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/media\/384"}],"wp:attachment":[{"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/media?parent=383"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/categories?post=383"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.showvegasrealty.com\/ro\/wp-json\/wp\/v2\/tags?post=383"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}