的 year 2020 will certainly be one to remember, with new realities and norms that changed the way we live. 今年的房地产市场当然也不例外, 随着历史性的亮点不断打破记录，并挑战许多人认为可能在房地产市场. 下面让我们来看看从根本上定义今年市场的四个关键领域.

Housing Market Recovery

今年春天，为了应对COVID-19健康危机，日本有意暂停了经济. 共同房地产交易的许多方面同时被搁置. 值得庆幸的是, technology and innovation helped the industry power forward, 随着“就地避难”订单的解除，业务也逐渐回升.

结果? 市场从最低到最高的彻底转变. 今天, 房地产市场的复苏被许多专家称为真正了不起的，远远超出预期. 从 pending home sales 为了购买应用程序，买家回来做生意，房屋出售- 快.

According to the Housing Market Recovery Index by 房地产经纪人.com, the market has surpassed pre-pandemic levels, 并恢复了我们从今年2月以来所记得的力量 (See graph below):

Record-Breaking Mortgage Rates

Historically low mortgage rates are another 2020 game-changer. 今天的低利率是促使买家重返市场的重要因素之一. 今年，平均利率多次跌至历史低点, and it continues to hover in record-low territory.

When rates are this low, 买家有一个巨大的机会，以他们的钱得到更多时，购买一个房子, 这是许多人在今年继续花比预期更多的时间在家里的同时渴望找到的东西, and likely beyond.

Continued pg电子 Price Appreciation

今年房价上涨的关键驱动因素之一是处于历史低位的库存量. Inventory was low going into the pandemic, 而且仍远低于正常市场所需的水平. 尽管卖家们正慢慢地重返游戏市场, 买家买房子的速度比他们出售房子的速度要快.

这是一个典型的供求情况，迫使房价上涨. 当人们对现有产品有更高的需求时，出售某样东西自然会抬高价格. 如果你准备今天卖掉你的房子，这可能是你搬家的最佳时机. As Bill Banfield, EVP of Capital Markets at Quicken Loans, 笔记:

“的 pandemic has not stopped the consistent home price growth we have witnessed in recent years.” 

Increasing Affordability

即使房价继续上涨，可负担性也在为今天的购房者带来好处. According to many experts, rates this low are off-setting rising home prices, 是什么增加了买家的购买力——一个不容错过的机会, especially if your family’s needs have changed. If you now need space for a home office, 健身房, virtual classroom, 和更多的, it may be time to reconsider your current house.

According to Mortgage News Daily:

他说:“在保持每月还款不变的情况下，买房的人比一年前能多负担10%的住房. This translates into nearly $32,000 more buying power.”

Bottom Line

With mortgage rates hitting historic lows, home prices appreciating, affordability rising, and the market recovering like no other, 2020年对房地产行业来说是相当不错的一年——也许是我们以前从未见过的一年，也许以后也不会再见到. 如果你准备好利用今年破纪录的机会，让我们今天联系起来.

2020年将被铭记为我们生命中最具挑战性的时期之一. A worldwide pandemic, a recession causing historic unemployment, 一种前所未有的社会动荡已经改变了我们的生活方式. Only the real estate market seems to be unaffected, as a new forecast projects there may be more homes purchased this year than last year.

As we come to the end of this tumultuous year, 我们正在准备可能是本世纪最具争议的总统选举. 今天, 看看过去的总统选举年对房地产市场的影响是很重要的.

在总统选举年，房屋销量会下降吗?

BTIG, a research and analysis company, 他们的报告题为《pg电子app下载》 One House, Two House, Red House, Blue House. 的y noted that in non-presidential years, there is a -9.8% decrease in November compared to October. This is the normal seasonality of the market, 通常在秋季和冬季会出现活动放缓.

然而，调查也显示，在总统选举年，典型的下降幅度会增加到-15%. 的 report explains why:

“这可能表明，潜在的购房者在面对全国大选的不确定性时可能会变得更加谨慎.”

Are those sales lost forever?

No. BTIG determined:

“This caution is temporary, and ultimately results in deferred sales, as the economy, 工作, 在接下来的几个月里，利率和消费者信心对购房决定的影响，都要比总统选举结果重要得多.”

In a separate 研究 由 Meyers Research & 北风, Ali Wolf, Chief Economist他同意这些购买只是推迟到大选之后:

“历史表明，经济放缓主要集中在11月份. 事实上，总统大选后的一年是四年周期中最好的一年. 这表明，对新住房的需求并没有因为选举的不确定性而减少, rather it gets pushed out to the following year.”

Will it matter who is elected?

To some degree, but not in the overall number of home sales. 如上所述，消费者信心对一个家庭的购房意愿起着重要的作用. 大选后，消费者信心会如何影响房地产市场? 的 BTIG report covered that as well:

“政府的改变可能有利于落后于蓝县的住房形势. 特朗普再次当选可能会继续推动县的表现.”

同样，总体销量不会受到太大影响.

Bottom Line

If mortgage rates remain near all-time lows, the economy continues to recover, and unemployment continues to decrease, 房地产市场应该在大选前后保持强劲.