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Real Estate Information |
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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: ‘Riviera of the Middle East’: How Trump sees Gaza as a real estate deal The Washington Post Real estate transactions — Jan. 30 – Feb. 5 Steamboat Pilot & Today What $2 Million Gets You in California The New York Times A Sore Spot in L.A.’s Housing Crisis: Foreign-Owned Homes Sitting Empty The Wall Street Journal Inside Nick Sirianni’s $3M NJ home — and the real estate battle that almost cost him - New York Post Keep up with South Shore real estate. See what the new neighbors paid The Patriot Ledger 2025 Lansing area real estate forecast: Demand remains high, and so do prices Lansing State Journal What’s the Impact of Hybrid Work on Commercial Real Estate? The University of Chicago Booth School of Business Keith Largay Appointed Head of Bain Capital Real Estate Capital Markets Boston Real Estate Times Winston & Strawn Grows London Office with Addition of Real Estate Finance Partner Aparna Sehgal Business Wire Real Estate: John M. Lee Richmond Review/Sunset Beacon Real estate transfers in Hancock County for January 2025 Muddy River News East Cobb residential real estate sales, Jan. 27-31, 2025 East Cobb News The week's top commercial real estate transactions in Charlotte, Collier, Hillsborough, Lee, Manatee, Pasco, Pinellas, Polk, Sarasota Business Observer REIT Market to Grow by $350.2 Billion from 2024-2028, Driven by Global Demand for Warehousing, with AI Redefining Market Landscape Boston Real Estate Times David Lemon has built a real estate business on Instagram buzz St. Louis Magazine Q&A: NAI Glickman's newest executive on how to market commercial real estate Worcester Business Journal Top Senate Stories: The Real State Of The State The Chattanoogan Top 10 Hottest Housing Markets Where Home Prices Are Soaring Norada Real Estate Investments Informer: Lecture by real estate broker Jen True slated Mankato Free Press Real Estate Transfers: February 10, 2025 The Owensboro Times Police say Alabama real estate agent was abducted, warrants obtained for 5 in investigation WKRN News 2 Today’s Mortgage Rates February 10, 2025: Rates Rise Slightly Norada Real Estate Investments $730 Million Real Estate Broker Commission Class Action Lawyer Monthly Magazine Better Homes And Gardens Real Estate Names Chris Nichols, Senior Vice President Of Franchise Sales Franchising.com High costs, low inventory, but Charlottesville real estate market 'keeps plugging along' The Daily Progress European Shares Inch Higher, Led by Energy, Real Estate Stocks; US Tariffs Eyed U.S News & World Report Money Fidelity Real Estate Income Fund Q4 2024 Review Seeking Alpha Michael Jordan Might Regret $9.5 Million Chicago Mansion Sale as Real Estate Agent Drops Bold Claim EssentiallySports Dozens more Alexander brother accusers come forward as real estate tycoons plead not guilty Fox News Wall Street's Most Accurate Analysts Give Their Take On 3 Real Estate Stocks With Over 6% Dividend Yields Benzinga India New York State Retirement commits more than $1 billion to real estate in December 2024 Institutional Real Estate, Inc. Body of Queens real estate broker found on side of Clearview Expressway, police sources say CBS News Interview with Roxanna Ahlbach: A Deep Dive into Berkeley Real Estate CEOWORLD magazine A New Perspective: Get a JOB | Real Estate Insights Piedmont Exedra Reluctant Sellers and Shaky Demand, The Current State of America’s Real Estate Market - UCW Newswire Handsome three family in Taunton sells for over $700K: Weekly home sales Taunton Daily Gazette Lauder’s Palm Beach Play, Billionaire Heir Sets Record in Sizzling Real Estate Market - UCW Newswire Popular real estate entrepreneur insists US is still suffering through a 'difficult' market Fox Business A Look Inside Kendrick Lamar's Vast Real Estate Portfolio House Beautiful European shares inch higher, led by energy, real estate stocks; US tariffs eyed -February 10, 2025 at 04:59 am EST Marketscreener.com Sacramento advocates in dispute with major real estate company over homeless aid events Sacramento Bee Rent the Brooklyn Duplex, but First, Meet the Upstairs Neighbors The New York Times These real estate firms splashed out for Super Bowl ads The Real Deal Housing Market Predictions for 2025 Ramsey Solutions How to Negotiate a Real-Estate Deal, and Actually Get What You Want The Wall Street Journal Donald Trump says US will ‘own’ Gaza, calls it a ‘big real estate site’ The Times of India Association - Real estate price slump over - but no rapid increase -February 10, 2025 at 03:48 am EST Marketscreener.com 'Beautiful' South Yarmouth house offers comfortable one-floor living and spacious backyard Cape Cod Times |
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