An gaya mana cewa, aƙalla ta matakan al'ada, tattalin arzikin Amurka yana yin babban aiki: hauhawar farashin kayayyaki sanyaya da kuma rashin aikin yi ya rage ƙasa. Pundits suna da'awar masu amfani kawai ji kamar tattalin arzikin yana cikin damuwa saboda har yanzu suna daidaitawa zuwa farashi mafi girma bayan barkewar cutar ta duniya, kuma hakan yana taimakawa wajen bayyana rashin kyawun lambobin zaben Shugaba Joe Biden yayin da yake neman sake tsayawa takara a watan Nuwamba.
Koyaya, alamomin tattalin arziki na gargajiya sukan kasa kamawa matsanancin rashin daidaiton arziki a Amurka. Masu arziki suna samun arziƙi shekaru da yawa a tsakani m albashi ga ma'aikata. Zuwa 2023, kusan 80 kashi na mutanen da ke samun kasa da dala 50,000 a shekara suna rayuwa ne a matsayin albashi don biyan albashi, tare da ma’aikata 4 cikin 10 suna samun sama da dala 100,000 a shekara.
Al'ummar na fuskantar a rikici mai zurfi of gidaje da rashin matsuguni cewa baiwar iko marar iyaka ga masu gida, kuma yana da wahala a sanya kyakkyawan yanayin tattalin arziki lokacin da kuke fama da biyan haya kuma mai gida ya yi watsi da kiran ku don gyara aikin famfo. A ƙasa, haya ya rage a babban direban hauhawar farashin kaya, tare da farashin ya tashi 0.5 bisa dari tun daga watan Janairu da 5.8 bisa dari a cikin shekarar da ta gabata.
"Masu haya suna biyan haya fiye da yadda suke yi a baya, don mafi munin yanayin da suka taɓa rayuwa a ciki," in ji Grace White, wata mai shirya kamfen ɗin Garanti na Gidaje, a cikin wata hira.
Barkewar cutar ta haifar da babbar matsala a kasuwar gidaje. Mutane sun rasa ayyukan yi ko ƙaura don neman ƙarin wurin zama, kuma gine-ginen sabbin gidaje ya tsaya. Hauhawar farashin kayayyaki na samun sauki a wasu sassan tattalin arziki, da Tarayyar Tarayya tana sha'awar don rage farashin ruwa yayin da farashin gidaje ya yi sanyi a wasu manyan garuruwa bayan period gagarumin overheating a 2021 da 2022.
Duk da haka, al'ummar kasar har yanzu suna mu'amala da wani karancin gidaje masu araha duk da sabbin yunƙurin gina gine-gine, kuma masu gidaje suna da ƴan abubuwan ƙarfafawa don guje wa ƙwace masu hayar su (ko da sauri gyara aikin famfo, don wannan al'amari).
A lambar rikodin na mutane a Amurka ba su da gida bayan masu tsara manufofi sun yarda da tsarin aminci na zamanin annoba don ma'aikata da masu haya su ƙare duk da hauhawar farashin gidaje. Kimanin mutane 653,100 ne suka ba da rahoton cewa suna rayuwa ba tare da gida ba a watan Janairu na 2023, kusan kashi 12 cikin ɗari daga lokaci guda a bara kuma mafi girma na shekara guda da aka samu a rikodin, bisa zuwa Cibiyar Haɗin Gwiwa ta Harvard don Nazarin Gidaje. Gabaɗaya, rashin matsuguni ya ƙaru da kashi 48 tun daga 2015.
Kimanin kashi 37 cikin XNUMX na masu haya sun ce ana iya korar su nan da watanni biyu masu zuwa, bisa zuwa binciken Ofishin Kididdiga na kwanan nan na Pulse House, wanda ke bin bayanan ainihin-lokaci kan tasirin cutar kan rayuwar yau da kullun. Yayin da girman samfurin binciken ya yi kadan kuma sakamakon kididdigar kasa, akasarin gidajen da aka gudanar da binciken sun ba da rahoton karin kudin haya a shekarar da ta gabata, kuma bayanan sun nuna karara cewa miliyoyin mutane sun damu da rasa gidajensu saboda karuwar haya.
"Muddin masu mallakar gidaje suna da ikon yin farashin gouge ko hauhawar haya a duk farashin da suka zaɓa, za su yi," in ji White.
White tana shirya tare da ƙungiyar ƴan haya ta ƙasa, in ji ta Truthout cewa duk game da iko ne. Masu gidaje suna ba da damar samun ainihin buƙatun ɗan adam wanda ke kashe mutane da yawa kaso mai tsoka na kudaden shiga. Lokacin da kasuwannin gidaje suka yi tauri kuma masu haya masu karamin karfi ba su da zabi ko kadan, masu gidaje na iya ci gaba da kara kudin hayar duk da hauhawar farashin kaya da kuma korar masu haya da ba za su iya biya ba.
Idan zabin dangi mai karamin karfi ya kasance tsakanin gidan da ba za su iya ba tare da kasafin kudin kayan abinci, ko kuma ba su da wani gida kwata-kwata, to wane zabi suke da shi? White ya ce wannan tambaya ce mai mahimmanci ga masu tsara manufofi.
"Sau da yawa, adadin hauhawar farashin kayayyaki ya nuna cewa masu gidaje suna yin hayar hayar fiye da adadin hauhawar farashin kayayyaki, kuma za su ci gaba da yin hakan har sai lokacin da gwamnatin Biden ta shiga tare da daidaita ayyukan hayar da hayar hayar," in ji White.
Shugaba Biden ya san cewa ƙarancin gidaje da farashin haya matsala ce ga miliyoyin masu jefa ƙuri'a - kuma a gare shi a siyasance. Jami'an gwamnati sun gana da kamfen ɗin Garanti na Gidaje da masu fafutukar tabbatar da shari'ar gidaje daga ko'ina cikin ƙasar a bazarar da ta gabata, kuma Biden ya yi alƙawarin murkushe "manyan masu gidaje" masu tsada a cikin jawabinsa na Ƙungiyar Tarayyar Turai a makon da ya gabata.
Biden yana magana ne game da Ma'aikatar Shari'a ta jefa goyan bayan ta a baya ƙarar rashin amincewar ƙasa Masu haya sun shigar da karar RealPage, gidan yanar gizon gidan yanar gizon da ake zargi da hada baki da masu gidaje don kara farashin haya. Biden kuma yana kira ga Majalisa da ta wuce tsarin gidansa, wanda zai fadada kudaden haraji don gina gidaje masu rahusa tare da karfafa gina gidaje miliyan 2 tare da tallafin dala biliyan 20 na tarayya ga birane da kabilu.
Gina ƙarin rukunin gidaje masu araha abu ne da ya zama dole amma dabarun dogon lokaci. White ya ce masu haya suna buƙatar taimako a cikin wucin gadi, kuma hanya mafi inganci don taimakawa masu haya ita ce iyakance hawan haya daga masu gidaje waɗanda ke ba da kuɗin kadarorinsu da jinginar gida na tarayya.
"A halin yanzu gwamnatin tarayya, ta hanyar Fannie Mae da Freddie Mac, suna kasuwanci tare da masu gidaje da kuma wani lokacin mafi munin masu haya haya," in ji White, ya kara da cewa kusan raka'a miliyan 12 suna tallafawa ta hanyar jinginar gida. "Ya kamata wannan kasuwancin ya kasance mai sharadi akan iyakokin hayar hayar da kariyar masu haya."
Bayan shekaru biyu na shiryawa da kamfen ɗin Garanti na Housing Guarantee da ƙawayenta, Hukumar Kula da Gidaje ta Tarayya (FHFA) ta amince da ɗaukar ra'ayoyin jama'a game da shawarwarin inganta kariya ga masu haya da ke haya daga masu gidaje tare da tallafin tarayya. White ya ce duk wata sabuwar doka za ta shafi gidaje kusan miliyan 12 a duk fadin kasar, kuma manufar ita ce a maido da wasu daidaiton wutar lantarki tsakanin masu haya da masu gidaje.
“Masu haya a lokuta da yawa sun yi ta kira ga gwamnati ta tsara tsarin hayar gida, kuma hanya mafi inganci da shugaban kasa zai bi wajen magance hauhawar farashin haya da tabarbarewar hayar ita ce takura wa masu gidajen haya wajen kara kudin hayar, kuma gwamnati na da ikon yin hakan ta hanyar da ta dace. daidaita rancen tallafi na kamfanoni don gidajen gidaje da yawa, ”in ji White.
An zuba tsokaci a cikin FHFA daga ƙungiyoyin masu haya, gidan haya da masu haya tare da ƙwarewar rayuwa a duk faɗin ƙasar. Ba abin mamaki ba, masu mallakar gidaje da masu sha'awar gidaje sun gabatar da sharhi ga FHFA suna jayayya game da sarrafa haya, wanda suka ce zai hana saka hannun jari a sabbin raka'a.
A bazarar da ta gabata, gungun masana tattalin arziki 32 sun rattaba hannu kan wata wasika zuwa ga gwamnatin Biden suna ja da baya kan muhawarar tattalin arzikin masana'antar da kuma tallafawa sarrafa hayar gida don gidaje da yawa tare da jinginar gida na tarayya. Domin ba da kuɗin kadarorinsu tare da lamunin tarayya, masu gidaje za su yarda su cika wasu ƙa'idodin gidaje kuma su guje wa haɓakar hayar da ba ta dace ba.
"Yin aiwatar da ka'idojin haya a matsayin sharadi kan jinginar gidaje na tarayya zai kare masu haya, daidaita unguwanni, inganta bambancin samun kudin shiga a cikin tattalin arzikin yanki, da kuma inganta hangen nesa na dogon lokaci na samun damar gidaje," masana tattalin arziki sun rubuta.
Gwamnatin Biden ta ce a halin yanzu tana nazarin tsokaci ga FHFA, kuma White ta ce masu fafutuka da masu haya suna jiran shawara daga hukumomin tarayya.
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Bada Tallafi