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The Real Estate Cycle
The real estate cycle, like the business cycle, refers to the activity of the real estate market as it reacts to the forces of supply and demand. Supply and demand. When demand for a product, such as housing, exceeds the supply, the price for the product tends to increase. In real estate this period is often called seller's market. Higher prices encourage the suppliers, in this case homebuilders to increase production. As production increased, more of the demand is satisfied until a point is reached where production outperforms demand. At that point, prices begin to full and production will diminish until demand catches up with supply, and the cycle begins again. This period is called a buyers market. Factors influencing real estate circles. Mortgage funds. The availability of mortgage funding affects both supply and demand for housing. In most cases the buyer does not have sufficient assets to purchase a house outright. Most housing is either built purchased with money borrowed. The availability and cost of this money directly affects both the supply and demand for housing. If a local area is experiencing prosperity there should be funds available to finance the construction and purchase of housing. Population. Demographics refer to a study and description of the population of an area. Demographics included such factor as page, education, gross income, disposable income, number of family members, and savings and spending patterns. Also studied are patterns of migration and establishment of employment centers. Social attitudes. A major factor that has impacted both the availability of housing and mortgage funding has been changing social behavior patterns of the population. In modern example is the increase in the portion of the population that is in its prime home buying years. Both baby boomers and their children are now seeking housing, which has been a major factor in demand for housing that has pushed up prices in the past decade. High divorce rates and a trend toward later marriages have also stimulated demand because there are few people per household. Political activity. Because the national government is the largest borrower in the country, its activities and have a huge influence on the economy. Deficit spending by Congress forces the government to borrow money, making less money available for construction and home loans. On the other hand, action by the Federal Reserve to loosen credit with rapidly increase capital loan money supplies. Regulation. This regulation takes the form of federal, state and local tax laws, environmental regulations, lending laws, local zoning and building codes. The vast majority of these laws and regulations have been created to protect the environment, promote public safety or to protect consumers from predatory lending practices. Predatory lending includes usury, deception and fraud. Individual home ownership is encouraged and the federal and state levels by the provision for the home mortgage interest deduction in the income tax codes. However, at the local level, properties are subject to property taxes. These taxes are necessary to provide local services such as streets, lightning, schools, fire and police protection. In some areas, communities have implemented a impact fees. Impact fees are charged to all new housing that is developed within the community and I levied to pay for community infrastructure. Martin Lukac, represents, #1 Loans USA(http://www.1LoansUSA.com), a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more: info@1LoansUSA.com
MORE RESOURCES: L.A.’s Real Estate Upfronts Reveal Penthouse A at Rosewood Residences Beverly Hills Hollywood Reporter Real estate mogul cautions about avoidable mistake when buying a home, explains how to avoid 'drowning' Fox Business Coloradans negotiating lower fees for real estate agents with new law on horizon Colorado Public Radio Massachusetts real estate transactions for Hampden, Hampshire and Franklin counties May 19, 2024 edition MassLive.com Routt County real estate sales at $17.6M for May 9-15 Steamboat Pilot & Today Rudy Giuliani Slashes Price on His New York City Apartment to $5.7M Realtor.com News Real estate transfers: May 17, 2024 RiverheadLOCAL London Real Estate Is About to Get the ‘Selling Sunset’ Treatment Hollywood Reporter Mid-May Greenwich Real Estate Market Report Greenwich Sentinel Real Estate Newsletter Articles this Week: Housing Starts Increased to 1.360 million Annual Rate in April Calculated Risk Dodge County Real Estate Transfers Fremont Tribune The Michael Houck Real Estate Guide for May 19 Oil City News MCB Real Estate Revives Long-Awaited Viva White Oak Mixed-Use Project Source of the Spring Washington state ahead of the game as lawsuit rewrites real estate commission rules - Puget Sound Business Journal The Business Journals Yes, there are other coastal Delaware towns besides Rehoboth Washington Blade Dutchess County, NY real estate 2024: What's on the market for $579K Poughkeepsie Journal Baltimore real estate: 4 waterfront condos for sale The Baltimore Banner Home Prices Hit Record Highs in April 2024: Trends & Forecast Norada Real Estate Investments STAR resource center Department of Taxation and Finance Real Estate Briefs: Lakeside homes, news condos, and more news Rough Draft Atlanta REAL ESTATE | UPDATE | Johnson Bus selling lot for new West Bend Fire Department No. 1 washingtoncountyinsider.com VIDEO | REAL ESTATE | Construction finally underway for Taco John's in West Bend, WI washingtoncountyinsider.com Revolution in real estate: How the NAR settlement is changing the game Eden Prairie Local News James Quinn's Data Center Advisory Expertise at JLL Drives Innovative Real Estate Solutions for Global Corporations Markets Insider Oceanport's Denholtz recognized by commercial real estate organization themonmouthjournaleastern.com Westmoreland County Real Estate Transfers | Real Estate | latrobebulletinnews.com latrobebulletinnews.com OT Real Estate Spotlight of the Week: 2115 Sheridan Place The Owensboro Times Innovative Leaders Vanderstraaten and Rohrman Inducted into North Texas Commercial Real Estate Hall of Fame ... dallasinnovates.com Here are recent property transfers up to $1.28 million St. Albans Messenger Real Estate Mogul Grant Cardone Closes Largest All-Cash Multifamily Deal In South Florida This Year Yahoo Finance Billy Joel spends over $10M for sprawling East Hampton pad with horse farm, neighbors other A-listers New York Post Robert Willett may be targeting female Realtors in Northeast Ohio Akron Beacon Journal My Co-op Neighbor Never Pays His Maintenance on Time. Can We Make Him? The New York Times China Says It Will Start Buying Apartments as Housing Slump Worsens The New York Times Navigating Northern Virginia Real Estate: An Insight Into Rhonda Campbell's Bespoke Approach Grit Daily Refined Real Estate: Unique Leschi home with lake views lists for $1,395,000 seattlerefined.com Number of homes for sale in Metro Atlanta increased significantly, real estate brokerage says – WABE WABE 90.1 FM Real Estate Transactions for May 18-19 | News, Sports, Jobs Nashua Telegraph What's real estate wellness? Fortune Ellison sues real estate broker Chad Banken over alleged schemes involving contracts for deed Star Tribune Billionaire Frank McCourt raises his hand to buy TikTok Business Insider Connecticut real estate law changed after MV Realty investigation Eyewitness News 3 Connecticut real estate law changed after MV Realty investigation Eyewitness News 3 KKR Real Estate Finance Trust Inc. (NYSE:KREF) Given Average Recommendation of “Moderate Buy” by Analysts Defense World Sean Bloom Investments Announces $2B Real Estate Project in Las Vegas InvestorsObserver Do starter homes still exist? Here's what NJ realtors said NorthJersey.com Edgefront Real Estate Investment Trust (TSE:NXR) Forecasted to Earn FY2024 Earnings of $0.73 Per Share Defense World Berkshire County Real Estate Transactions for April 29-May 3 Berkshire Eagle First Capital Real Estate Investment Trust (TSE:FCR.UN) Share Price Crosses Above Two Hundred Day Moving ... Defense World Bienville Realty: Commercial real estate Fox 10 News Letter: Clarifying changes to real estate industry Morgan Hill Times EG Real Estate: 18 Opens This Weekend – East Greenwich News East Greenwich News Local couple buys Pat Burrell's former Center City penthouse for 38% under original asking price Philadelphia Business Journal Home listings are on the rise in southern Colorado, while other indicators show a slowing real estate market Colorado Public Radio Did Fort Worth’s real estate market really ‘bottom out’? | Fort Fort Worth Star-Telegram Southern fast-food chain Cook Out buys Tampa real estate Tampa Bay Business Journal New Rules for North Texas Real Estate Agents Creates Uncertainty Dallas Observer Artis Real Estate Investment Trust (OTCMKTS:ARESF) Sees Significant Growth in Short Interest Defense World Busch relative settles squabble with Clayton investors over real estate trust St. Louis Post-Dispatch |
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