Da yawa daga cikin masu fafutuka masu fafutuka da ke hayar gidaje da gidaje da ke samun goyon bayan lamunin tarayya a duk faɗin ƙasar sun taru a ofisoshin wani babban gida a Washington, DC ranar Juma'a tare da bayyananniyar saƙo: Hayar haya ta yi yawa, kuma dole ne gwamnatin Biden ta yi aiki a yanzu. don kare masu haya daga masu cin riba waɗanda ke gudanar da kadarori na tarayya.
Masu fafutukar hayan sun kammala mako guda na fafutuka da bayar da shawarwari tare da babbar murya a ofisoshin Starwood Capital Group, wani kamfani mai zaman kansa wanda kuma yana daya daga cikin manyan masu mallakar gidaje a kasar.
"Ba wani nickel ba, ba wani dime ba, hayar hayar kamfanoni laifi ne," masu zanga-zangar sun yi ta rera waka a harabar ginin ofishin.
The Washington Post kwanan nan an ba da rahoton hauhawar haya a gidaje mallakar Starwood a Arizona da Florida wanda ya kai kashi 30 cikin ɗari a shekara. Barry Sternlicht, Shugaba na Kamfanin Starwood, ya kira hauhawar farashin kayayyaki a matsayin "kyauta ta ban mamaki da ke ci gaba da bayarwa" a lokacin 2021 kira tare da masu zuba jari a matsayin farashin gidaje - kuma ribar kamfanoni - ya tashi sama yayin bala'in COVID-19.
Rikicin gidaje mai araha abin tsoro ne ga masu haya da bonanza ga masu mallakar gidaje da masu saka hannun jari waɗanda ke jin daɗin ƙarfin farashi mai yawa a cikin kasuwa mai haɓaka cikin sauri. Kudin biyan hayar gidan zama ya karu da kusan kashi 30 tun bayan barkewar cutar a shekarar 2020, a cewar Alexei Alexandrov, masanin tattalin arziki a Cibiyar Urban.
"Tabbas, hakan ya fara kaiwa ga mafi yawan masu rauni da farko, don haka mutanen da ke da karancin kudin shiga - fiye da kashi 20 [su] suna bayan haya," in ji Alexandrov yayin wani taron tattaunawa ga ma'aikatan majalisar a ranar Litinin. "Masu haya baƙar fata - fiye da kashi 20 na baya kan haya, kuma waɗannan lambobi ne masu ban mamaki."
Sakamakon karancin rukunin gidaje a cikin unguwanni a fadin kasar, ana tilasta wa masu haya yin gogayya da juna don samun wurin zama mai araha, maimakon masu gidaje da ke fafatawa da kwastomomi ta hanyar samar da ingantattun gidaje a farashi mai rahusa, in ji Alexandrov. Farashin jinginar gida ya kai manyan abubuwan tarihi, sanya mallakar gida daga kai ga miliyoyin mutane da kuma karuwar buƙatu a kasuwar haya, wanda ke ba masu gidaje ƙarin ƙarfin haɓaka haya da korar masu haya masu karamin karfi.
Hayar hayar da ke haifar da hauhawar farashin kaya, tare da ƙimar farashin mabukaci don hayan gidan zama na farko yana karuwa 7.2 kashi a watan Oktoba sama da shekarar da ta gabata, fiye da ninki biyu na karuwar kashi 3.2 cikin XNUMX na farashin duk kayayyakin masarufi. Ma'anar farashin mabukaci don "matsuguni," ma'auni na farashin gidaje gaba ɗaya, ya karu 6.7 kashi a watan Oktoba idan aka kwatanta da shekara guda da ta gabata, wanda ya kai kusan kashi 70 cikin XNUMX na hauhawar farashin kayayyaki.
A halin da ake ciki, masu haya sun shigar da kara a kan kamfanonin masu mallakar gidaje da suka tsaya wanda ake zargi da tabarbarewar farashi da kuma yin haɗin gwiwa don haɓaka hayar haya ta wucin gadi. An bayar da rahoton cewa Ma'aikatar Shari'a ta shiga cikin abin da a yanzu ya zama shari'ar mataki-mataki a kan "cartel" na masu gidaje da kuma wani kamfani na software na gida mai suna RealPage.
Zaɓe ya nuna hauhawar farashin rayuwa, gami da haya, ya kasance babban batun kashi biyu bisa uku na masu jefa kuri'a kuma babbar matsala ce ga Shugaba Joe Biden, wanda ya yi ƙoƙari ya ƙirƙira saƙon tattalin arziƙi wanda ke daɗaɗawa yayin da yake neman sake tsayawa takara. Yayin da Fadar White House ke alfahari game da ƙarancin rashin aikin yi, aika saƙon game da “ayyukan yi” ba ta da wani tasiri don shawo kan mutanen da ke aiki amma har yanzu ba za su iya biyan kuɗinsu ba.
Da yake magana a wani taron gangami da masu haya a wannan makon, dan majalisar wakilai Pramila Jayapal (D-Washington), shugaban kungiyar Progressive Caucus na Congress, ya ce rikicin gidaje duka batu ne na adalci na tattalin arziki da kuma "wajibi ne na adalci na launin fata" wanda Biden da Jam'iyyar Democrat kamata yayi zakara.
"Rikicin matsuguni ya sa iyalai masu aiki su shiga cikin wani yanayi na talauci," in ji Jayapal. "Ba tare da tsayayyen gida ko haya mai araha ba, ba zai yuwu a fita daga rashin aikin yi ko gina hanyar tsaro ta kuɗi don kiyayewa daga korar da rashin matsuguni."
Alexandrov ya ce Amurka na fuskantar karancin gidaje akalla miliyan 4, ciki har da raka'a miliyan 2 masu araha wadanda ake matukar bukata a wasu yankuna. Gwamnatin Biden ta fitar da wani shekara biyar shirin don ƙara yawan samar da gidaje, amma Alexandrov ya ce ana buƙatar ƙarin tsauraran matakai. Rikicin gidaje ba zai ragu ba har sai an gina miliyoyin sabbin gidaje, amma akwai tsare-tsare da gwamnati za ta iya sanyawa yanzu don "kashe zubar jini."
Kimanin rukunin gidaje miliyan 12 suna cikin kadarorin da Fannie Mae da Freddy Mac ke tallafawa a cikin shirin tarayya wanda Majalisa ta kirkira kuma Hukumar Kuɗin Gidajen Tarayya (FHFA) ke gudanarwa wanda ke tallafawa jinginar gidaje da lamunin gida a duk faɗin ƙasar. A kowace shekara, hukumar tana kula da kusan dala biliyan 150 wajen samar da kudade ga masu gidaje ta hanyar siyan jinginar gidaje na kusan kashi 25 na gidajen gidaje da yawa, bisa zuwa ga Kamfen Garanti na Gidajen Aiki na Jama'a.
Bayan watanni na shiryawa ta masu haya da kungiyoyin adalci na gidaje, yanzu gwamnatin Biden tana nazarin shawarar da manyan 'yan majalisar dokoki suka goyi bayan yin amfani da ikon FHFA tare da sanya kulawar haya da sauran kariyar masu haya ga lamunin gida na tarayya, wanda zai zama babban ci gaba a cikin shirin. Yunkurin kamfen ɗin Garanti na Gidaje don kafa Dokar Haƙƙin Hayar Hayar ta ƙasa. Fadar White House ta sanar da a tsarin rubutu don lissafin hakkoki a farkon wannan shekara.
"Mun yi watanni na bincike tare da masana tattalin arziki da lauyoyi, mun yi nazarin masu kula da haya da kuma yadda suke mu'amala da wadata. Bisa ga wannan, mun yanke shawarar cewa mafi kyawun ƙa'idodin haya za su iya ɗaukar hayar hayar da kashi 3 cikin ɗari a duk shekara a duk kadarorin da Fannie Mae da Freddie Mac ke marawa baya," in ji Alaysha Jenkins, memba na Ƙungiyar Masu haya ta birnin Kansas, yayin taron majalisar. taƙaitaccen bayani. “Dole ne a buƙaci wannan hular. Ba zai zama na son rai ko ƙarfafawa ba."
Aƙalla a kasuwannin cikin gida, masu adawa da kula da haya za su yi jayayya cewa hayar hayar ta hana masu zuba jari da masu haɓaka gina sabbin gidajen da ake buƙata don magance matsalar gidaje mai araha. Koyaya, masu fafutuka da masu fafutuka kamar Garanti na Gida suna jayayya cewa tsarin na yanzu yana ba da ikon farashi da yawa ga masu gidaje, waɗanda ke amfani da tsarin lamuni na gida na tarayya don haɓaka manyan gine-ginen gidaje da haɓaka farashi.
Tara Raghuveer, darektan kamfen ɗin Garanti na Gidaje, ya ce "Kasuwar a yau tana amfana da ƴan zaɓaɓɓun masu cin riba waɗanda suka tsara kasuwar don amfana da su," in ji Tara Raghuveer, darektan kamfen ɗin Garanti na Gidaje, a cikin 'yan yin hira tare da Kamfanin Mai sauri. "Labari na [miliyoyin] gidaje masu haya a duk faɗin ƙasar ba za su iya biyan hayar kowane wata ba ba labarin nasarar kasuwa ba ne; labari ne na gazawar kasuwa.”
FHFA tana kammala lokacin sharhi na jama'a game da shawarar aiwatar da kariyar masu haya a kadarorin gwamnatin tarayya, kuma masu haya da membobin majalisar suna kuma yin kira da a “kyakkyawan dalili” kariyar korar, haƙƙin aminci da yanayin rayuwa, haƙƙin mallaka. tsara tsakanin masu haya, da kuma samun damar shiga bayanan masu mallakar gidaje na ƙasa waɗanda ke gudanar da kadarori na tarayya.
Gangamin yana kuma yin kira da a ba da kariya ga wariya ga masu haya irin su Jenkins, waɗanda ke karɓar tallafi ta hanyar baucan gidaje don biyan haya. Masu gidaje sun yi kaurin suna wajen korar masu haya a kan tsayayyen kudin shiga ko yin amfani da rashin zaɓinsu. Jenkins ta ce an tilasta mata ita da ’ya’yanta mata guda biyu zuwa wani dan karamin gida da Jenkins ta tsana da zama a ciki saboda baucin gidan nata zai kare.
"An tilasta ni in yi hayar daga wani mai gida na karshe, wanda ya san matsayina kuma ya yi amfani da shi," in ji Jenkins. "Hayar $1,200 ne a wata don wani gida mai fadin murabba'in ƙafa 800."
A cikin watan Agusta, 'yan majalisar dattijai 18 sun aika da wasika zuwa ga FHFA suna kira ga masu mulki da su yi amfani da tsarin haƙƙin haƙƙin haya a cikin manufofin, ciki har da Sen. Edward J. Markey (D-Massachusetts) Sen. Sherrod Brown (D-Ohio) da Sen. Bernie Sanders ( I-Vermont). Gamayyar 'yan jam'iyyar Democrat a majalisar ta jagoranci irin wannan yunƙurin, kuma Jenkins ya ce da yawa daga cikin masana da masana tattalin arziki suna goyon bayan Dokar Haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin haƙƙin da aka yi wa 'yan jam'iyyar Democrats a majalisar, Jenkins ya ce ɗimbin masana ilimi da masana tattalin arziki suna goyon bayan Dokar Haƙƙin haƙƙin haya.
Har ila yau, rancen da Fannie Mae da Freddy Mac ke goyan bayan ana kiransu "lamuni masu tallafi na kasuwanci."
"An sha samun rahotannin masu saka hannun jari na yin amfani da kudade masu rahusa daga lamunin da ke samun tallafi daga Enterprise don siyan kadarori sannan kuma suna kara yawan haya, cin mutuncin masu haya, da barin gine-gine su fada cikin lalacewa," 'yan majalisar. rubuta. "Hanya mafi inganci don tabbatar da cewa Fannie Mae da Freddie Mac suna cika wajiban su shine ta aiwatar da kariyar masu haya ga duk masu haya da ke zaune a kadarorin da suka dawo."
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Bada Tallafi