Njengoba i-Federal Reserve iqhubeka nokuqinisa inqubomgomo yezimali, amanani enzalo aphezulu kanye nokwehla kwamandla emali kuhlasela abathengi, futhi imakethe yezindlu yase-US iphola ngokushesha. Idatha ibonise ukuthi akukhona nje ukuthengiswa kwezindlu ezikhona eziwela inyanga yesihlanu ilandelana, kodwa futhi izicelo zokubolekwa kwezindlu zawela ezingeni eliphansi kakhulu eminyakeni engu-22. Ngokwemininingwane ekhishwe yi-American Association of Realtors ngoJulayi 20 ngesikhathi sendawo, ukuthengiswa kwezindlu ezikhona e-United States kwehle ngo-5.4% ngenyanga kaJuni. Ngemuva kokulungiswa kwesizini, inani lokuthengisa eliphelele lalingamayunithi ayizigidi ezingu-5.12, izinga eliphansi kakhulu kusukela ngoJuni 2020. Ivolumu yokuthengisa yehla ngenyanga yesihlanu elandelanayo, okwakuyisimo esibi kakhulu kusukela ngo-2013, Futhi kungase kube kubi kakhulu. Uhlu lwezindlu ezikhona nalo lunyukile, obekuwukukhula kokuqala konyaka nonyaka eminyakeni emithathu, lwafinyelela ezigidini eziyi-1.26, okuyizinga eliphezulu kakhulu kusukela ngoSepthemba. Ngenyanga ngesisekelo senyanga, amanani akhuphuka izinyanga ezinhlanu zilandelana. I-Federal Reserve ikhuphula izinga lenzalo ngenkuthalo ukulwa nokwehla kwamandla emali, okupholise yonke imakethe yezindlu nezindlu. Amazinga aphezulu emali ebolekiwe anciphise isidingo sabathengi, okuphoqe ukuthi abanye abathengi bahoxe ekuhwebeni. Njengoba uhlu lwezimpahla luqala ukwanda, abanye abathengisi baqala ukwehlisa amanani. ULawrenceyun, isazi sezomnotho esiyinhloko se-NAR, i-American Association of Realtors, uveze ukuthi ukwehla kwezindleko zezindlu kuqhubekile nokubiza abangase babe abathengi bezindlu, futhi amanani ezindlu kanye namanani ezindlu akhuphuka ngokushesha kakhulu ngesikhathi esifushane. Ngokocwaningo, inzalo ephezulu inyuse izindleko zokuthengwa kwendlu futhi yanqanda isidingo sokuthenga indlu. Ngaphezu kwalokho, Inhlangano Kazwelonke yabakhi bezindlu ithe inkomba yokuzethemba yabakhi yehle izinyanga eziyisikhombisa zilandelana, ezingeni eliphansi kakhulu kusukela ngoMeyi 2020. Ngalo lolo suku, inkomba yezicelo zokubolekwa kwezindlu zokuthenga izindlu noma ukuxhaswa kabusha e-United States. kwehle kwafika ezingeni eliphansi kusukela ekuqaleni kwekhulunyaka, uphawu lwakamuva lwesidingo sezindlu esivilaphayo. Ngokusho kwedatha, kusukela ngesonto likaJulayi 15, inkomba yemakethe ye-American mortgage banking Association (MBA) index market yehle isonto lesithathu lilandelana. Izicelo zokubolekwa kwezindlu zehle ngo-7% ngesonto, zehle ngo-19% unyaka nonyaka, zaya ezingeni eliphansi kakhulu eminyakeni engama-22. Njengoba izinga lenzalo yemali ebolekiwe liseduze nezinga eliphezulu kakhulu kusukela ngo-2008, kuhambisana nenselelo yokuthengwa kwempahla yabathengi, imakethe yezindlu nezindlu ibiphola. UJoelkan, isazi sezomnotho seMBA, uthe, “njengoba isimo somnotho esintekenteke, ukwehla kwamandla emali kanye nezinselelo eziqhubekayo zokukwazi ukukhokhela izindleko zithinta isidingo sabathengi, umsebenzi wokuthenga imali mboleko yendabuko kanye nezikweletu zikahulumeni wehlile.