WASHINGTON, D.C. – A ranar 16 ga Janairu, 2025, kudin lamuni na shekara 30 a Amurka ya kai kashi 7%, wanda shine mafi girma tun watan Mayu 2024. Wannan hauhawar ya ƙara dagula wa masu neman gidaje, wanda ke fuskantar ƙalubalen samun gidaje da sauki.
Haushin kudin lamuni ya zo ne bayan da Babban Bankin Amurka (Federal Reserve) ya rage yawan kuɗin da ake bi a ƙarshen 2024, wanda ya sa masu neman gidaje suka yi fatan cewa farashin gidaje zai ragu. Amma, akasin haka ya faru, inda kudin lamuni ya ƙara hauhawa. Dalilin wannan shi ne hauhawar farashin kayayyaki da kuma ƙarfin tattalin arzikin Amurka, wanda ya sa Babban Bankin ya jira kafin ya rage kuɗin da ake bi.
Sam Khater, Babban Masanin Tattalin Arziki na Freddie Mac, ya bayyana cewa, “Kudin lamuni zai ƙi ƙasa da 6 zuwa 7% a cikin wannan yanayin na ci gaban tattalin arziki da hauhawar farashin kayayyaki.” Ya kuma ƙara da cewa, yawancin masu haya gidaje suna shirye su sayi gidaje, amma hauhawar kudin lamuni ya sa suka jira.
A cikin 2024, yawan sayar da gidaje ya ragu saboda hauhawar kudin lamuni da ƙarancin gidaje da ake samu. Bob Broeksmit, Shugaban Ƙungiyar Masu Ba da Lamuni, ya ce, “Haushin kudin lamuni yana rage sha’awar masu sayen gidaje.” Ya kuma nuna cewa buƙatun lamuni sun ragu da kashi 2% idan aka kwatanta da shekarar da ta gabata.
Masu neman gidaje ana ba su shawarar su yi bincike sosai kan masu ba da lamuni don samun mafi kyawun farashi. Hakanan, ana ba su shawarar su faɗaɗa wuraren da suke neman gidaje don samun abin da ya dace da kasafin kuɗinsu.
