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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: Investors are piling into real estate as values skyrocket by up to 38%. 13 metros with the highest gains, and 25 that are plunging. Business Insider Gorgeous 131-acre estate near Sacramento for sale for $5M. Step inside decked-out home Sacramento Bee Down Payments Are Dropping From Historic Highs—See How Much Homebuyers Can Save Today Realtor.com News Will builders start lowering agent commissions? Real Estate News Real Estate Transactions, Oct. 21 edition Hopkinton Independent See September real estate trends in The Woodlands area Community Impact Take a look at the nine Palm Beach properties that sold for $39M or more in the off-season Palm Beach Daily News Buttoned-up real estate exec goes all out for Halloween The Atlanta Journal Constitution Lebanon County real estate transfers, sponsored by Reliable Moving and Storage (Oct. 1 to Oct. 15) LebTown AI Becomes Real Estate’s New Landlord PYMNTS.com Global Real Estate Streaming Service WPC TV Begins Platform Construction The World Property Journal Predictions of a stronger market during seventh annual St. Louis Commercial Real Estate Summit REjournals.com News | Social infrastructure real estate manager agrees £80 million financing with HSBC CoStar Group Metro Milwaukee retail real estate market softens in Q3 BizTimes Milwaukee Palm Beach's summer saw multiple high-end home sales. Is a busy real estate season ahead? Palm Beach Daily News NAR hit with another lawsuit over ‘forced membership’ Real Estate News Denver Borough residents may see real estate tax, water rate increase in 2025 LNP | LancasterOnline NAR, 4 brokerages ask court to toss out Homie suit Real Estate News Central Mass. real estate transfers, Sunday, Oct. 20 Worcester Telegram Are you buying a home in WA without a real estate agent? The Seattle Times Finding Extra Yield Potential in Real Estate Mezzanine Debt Institutional Investor Judge rules WA real estate investment firm ran Ponzi scheme The Seattle Times A danger foretold: NAR’s waning dominance Real Estate News NAIOP: Commercial Real Estate Sentiment Rebounds Mile High CRE Southeastern Wisconsin industrial real estate absorption slows in Q3, but market remains healthy BizTimes Milwaukee See how much real estate prices have changed in Sea Ranch in the past 5 weeks The Santa Rosa Press Democrat Berks County real estate transactions for Oct. 20 Reading Eagle Sale closed in Newton: $1.6 million for a triplex MassLive.com Bloomington RDC OKs $25K for real estate appraisals, preps sale to hotelier for convention center project B Square Beacon Ottawa County real estate transactions recorded Oct. 14-18 Port Clinton News Herald How Developers Are Catering to Would-Be Homeowners With Rental Amenities The New York Times North Central Board of Realtors serves as voice of real estate in Baxter, Marion counties - ktlo.com Crypto has designs on real estate Financial Times Alexandria Real Estate Q3 Revenue Rises The Motley Fool Former Brookfield Property CEO joins board of sports and entertainment real estate developer CoStar Group Guthrie installed as Midland Board of Realtors president Midland Daily News Ares Management Real Estate Secures $475M in CMBS Financing for Industrial Portfolio Commercial Observer What Is Unrealized Capital Gains Tax? Unpacking ‘Economy Killer’ Proposal On Ultra Wealthy. - Forbes Alexandria Real Estate Equities: Q3 Earnings Snapshot Danbury News Times Vietnamese real estate tycoon sentenced to life for billions in fraud in government graft crackdown The Associated Press U.S. Mortgage Rates Continue to Rise, Again The World Property Journal KKR Real Estate: Q3 Earnings Snapshot San Antonio Express-News Helen Mirren Lists 'Legendary' $18.5 Million Compound Yet Again (With a Huge Discount)—See Inside the Opulent L.A. Estate Realtor.com News Hocking County real estate transfers Logan Daily News Residential real estate roundup: D.R. Horton continues expansion of Triad presence Triad Business Journal Radio Real Estate 10/19/24 My Bellingham Now European P2P real estate yields average 10pc Alternative Credit Investor KKR Real Estate: Q3 Earnings Snapshot San Francisco Chronicle Ken Griffin's move to Florida means losing millions on homes he never even lived in Business Insider C-I Oct. 22, 2024 Real Estate Transfers pmg-sc.com What different election scenarios mean for real estate National Mortgage News |
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