Pamene Federal Reserve ikupitirizabe kulimbitsa ndondomeko ya ndalama, chiwongoladzanja chokwera kwambiri ndi kukwera kwa inflation kumakhudza ogula, ndipo msika wa US real estate ukuzizira mofulumira. Detayo inasonyeza kuti osati malonda a nyumba zomwe zilipo zinagwa kwa mwezi wachisanu wotsatizana, komanso zopempha za ngongole zinagwera pamlingo wotsikitsitsa m'zaka 22. Malingana ndi deta yomwe inatulutsidwa ndi American Association of Realtors pa July 20 nthawi yakomweko, malonda a nyumba zomwe zilipo ku United States zinatsika ndi 5.4% mwezi wa June. Pambuyo pa kusintha kwa nyengo, chiwerengero chonse cha malonda chinali mayunitsi 5.12 miliyoni, otsika kwambiri kuyambira June 2020. Kugulitsa malonda kunagwa kwa mwezi wachisanu wotsatizana, zomwe zinali zovuta kwambiri kuyambira 2013, Ndipo zikhoza kuipiraipira. Zolemba za nyumba zomwe zilipo zinawonjezekanso, zomwe zinali kuwonjezeka kwa chaka ndi chaka kwa zaka zitatu, kufika pa mayunitsi 1.26 miliyoni, mlingo wapamwamba kwambiri kuyambira September. Pakatha mwezi umodzi, kuchuluka kwa zinthu kumawonjezeka kwa miyezi isanu yotsatizana. Bungwe la Federal Reserve likukweza chiwongola dzanja kuti lithane ndi kukwera kwa mitengo, komwe kwaziziritsa msika wonse wanyumba. Kukwera kwa ngongole zanyumba kwachepetsa kufunikira kwa ogula, kukakamiza ogula ena kusiya malonda. Zinthu zitayamba kuwonjezeka, ogulitsa ena anayamba kuchepetsa mitengo. Lawrenceyun, katswiri wazachuma wa NAR, American Association of Realtors, adanenanso kuti kuchepa kwa ndalama zogulira nyumba kukupitilizabe kuwononga ogula nyumba, ndipo mitengo yanyumba ndi mitengo yanyumba idakwera mwachangu munthawi yochepa. Malinga ndi kafukufukuyu, chiwongola dzanja chokwera chakweza mtengo wogulira nyumba ndikuchepetsa kufunika kogula nyumba. Kuphatikiza apo, bungwe la National Association of omanga nyumba linanena kuti chidaliro cha omanga chatsika kwa miyezi isanu ndi iwiri yotsatizana, pamlingo wotsika kwambiri kuyambira Meyi 2020. Patsiku lomwelo, chizindikiro cha kubwereketsa ndalama zogulira nyumba kapena kubweza ndalama ku United States. idatsika kwambiri kuyambira kumayambiriro kwa zaka za zana lino, chizindikiro chaposachedwa chakusowa kwa nyumba kwaulesi. Malingana ndi deta, kuyambira sabata ya July 15, index index ya msika wa American mortgage banking Association (MBA) inagwa kwa sabata lachitatu lotsatizana. Ntchito zobwereketsa zatsika ndi 7% m'sabata, kutsika ndi 19% pachaka, kufika pamlingo wotsika kwambiri m'zaka 22. Popeza chiwongola dzanja cha ngongole chatsala pang'ono kufika pamlingo wapamwamba kwambiri kuyambira 2008, kuphatikizira ndi vuto la kugulidwa kwa ogula, msika wamanyumba wakhala ukuzizira. Joelkan, katswiri wazachuma wa MBA, adati, "pamene kufooka kwachuma, kukwera kwamitengo yamitengo komanso zovuta zotsika mtengo zikusokoneza zofuna za ogula, ntchito yogula ngongole zachikhalidwe ndi ngongole zaboma zatsika.