{"id":21195,"date":"2024-09-30T14:23:35","date_gmt":"2024-09-30T19:23:35","guid":{"rendered":"https:\/\/bolttech.io\/insights\/chi-phi-bat-dong-san-tang-anh-huong-nhu-the-nao-den-loi-nhuan-cua-cac-cong-ty-bao-hiem-so-huu-nha\/"},"modified":"2024-09-30T14:23:39","modified_gmt":"2024-09-30T19:23:39","slug":"chi-phi-bat-dong-san-tang-anh-huong-nhu-the-nao-den-loi-nhuan-cua-cac-cong-ty-bao-hiem-so-huu-nha","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/chi-phi-bat-dong-san-tang-anh-huong-nhu-the-nao-den-loi-nhuan-cua-cac-cong-ty-bao-hiem-so-huu-nha\/","title":{"rendered":"Chi ph\u00ed b\u1ea5t \u0111\u1ed9ng s\u1ea3n t\u0103ng \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1edf h\u1eefu nh\u00e0"},"content":{"rendered":"\n

Khi c\u00e1c gia \u0111\u00ecnh ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi chi ph\u00ed s\u1edf h\u1eefu nh\u00e0 v\u00e0 thu\u00ea nh\u00e0 t\u0103ng cao, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang c\u1ea3m th\u1ea5y b\u1ecb si\u1ebft ch\u1eb7t.<\/p>\n\n

Nhi\u1ec1u ng\u01b0\u1eddi thu\u00ea nh\u00e0 v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 tr\u1ebb tu\u1ed5i \u0111ang ch\u1ecdn gi\u1ea3m ho\u1eb7c lo\u1ea1i b\u1ecf b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 ho\u1eb7c ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd.\n\u0110i\u1ec1u n\u00e0y khi\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f3 theo k\u1ecbp chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng gia t\u0103ng khi \u0111\u1ed1i m\u1eb7t v\u1edbi th\u1eddi ti\u1ebft th\u1ea3m kh\u1ed1c, ngu\u1ed3n cung nh\u00e0 \u1edf gi\u00e0 c\u1ed7i v\u00e0 \u00e1p l\u1ef1c t\u01b0\u01a1ng t\u1ef1. <\/p>\n\n

\u0110\u1ec3 hi\u1ec3u c\u00e1ch t\u00ecm v\u00e0 gi\u1eef kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1edf h\u1eefu nh\u00e0 c\u1ea7n hi\u1ec3u nh\u1eefng g\u00ec \u0111ang x\u1ea3y ra trong th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf Hoa K\u1ef3 – v\u00e0 n\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u1ee3i nhu\u1eadn c\u1ee7a h\u1ecd nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n

T\u00ecnh tr\u1ea1ng th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf<\/h2>\n\n

Th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf \u0111ang \u1edf trong m\u1ed9t tr\u1ea1ng th\u00e1i \u0111\u1ed9c \u0111\u00e1o, v\u1edbi nhu c\u1ea7u v\u01b0\u1ee3t xa ngu\u1ed3n cung \u1edf h\u1ea7u h\u1ebft m\u1ecdi ph\u00e2n kh\u00fac.\nK\u1ebft qu\u1ea3 l\u00e0 s\u1ef1 gia t\u0103ng chi ph\u00ed v\u00e0 gi\u1ea3m ngu\u1ed3n cung nh\u00e0 gi\u00e1 r\u1ebb \u0111ang g\u00e2y thi\u1ec7t h\u1ea1i cho c\u1ea3 ng\u01b0\u1eddi thu\u00ea v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u, c\u0169ng nh\u01b0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Chi ph\u00ed cao h\u01a1n<\/h3>\n\n

B\u1ed9 Gia c\u01b0 v\u00e0 Ph\u00e1t tri\u1ec3n \u0110\u00f4 th\u1ecb Hoa K\u1ef3 \u0111\u1ecbnh ngh\u0129a m\u1ed9t gia \u0111\u00ecnh l\u00e0 g\u00e1nh n\u1eb7ng chi ph\u00ed n\u1ebfu tr\u1ea3 h\u01a1n 30% thu nh\u1eadp cho nh\u00e0 \u1edf.\nT\u1ea1i \u00edt nh\u1ea5t 20 th\u00e0nh ph\u1ed1 c\u1ee7a Hoa K\u1ef3, h\u01a1n m\u1ed9t ph\u1ea7n ba gia \u0111\u00ecnh lao \u0111\u1ed9ng b\u1ecb g\u00e1nh n\u1eb7ng chi ph\u00ed b\u1edfi gi\u00e1 nh\u00e0 \u1edf, Samuel Stebbins<\/a> n\u00f3i tr\u00ean USA Today.\n\u1ede nh\u1eefng \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u1eaft \u0111\u1ecf nh\u1ea5t, con s\u1ed1 \u0111\u00f3 t\u0103ng l\u00ean h\u01a1n 50%. <\/p>\n\n

Khi \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 khi mua nh\u00e0, cho thu\u00ea tr\u1edf th\u00e0nh l\u1ef1a ch\u1ecdn ti\u1ebfp theo – nh\u01b0ng gi\u00e1 thu\u00ea c\u0169ng \u0111ang t\u0103ng tr\u00ean kh\u1eafp n\u01b0\u1edbc M\u1ef9.\nNh\u1eefng ng\u01b0\u1eddi thu\u00ea nh\u00e0 g\u00e1nh n\u1eb7ng chi ph\u00ed c\u00f3 r\u1ea5t nhi\u1ec1u \u1edf c\u00e1c th\u00e0nh ph\u1ed1 nh\u01b0 San Francisco v\u00e0 New York, nh\u01b0ng h\u1ecd c\u0169ng \u0111ang gia t\u0103ng \u1edf nh\u1eefng \u0111\u1ecba \u0111i\u1ec3m \u00edt t\u1ed1n k\u00e9m h\u01a1n nh\u01b0 Dallas-Fort Worth v\u00e0 Houston, Joel Kotkin v\u00e0 Wendell Cox<\/a> n\u00f3i tr\u00ean Daily Beast. <\/p>\n\n

M\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Zillow n\u0103m 2018 cho th\u1ea5y v\u00e0o th\u00e1ng 2 n\u0103m \u0111\u00f3, gi\u00e1 thu\u00ea \u0111\u00e3 t\u0103ng 2,8%, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t k\u1ec3 t\u1eeb n\u0103m 2016.<\/p>\n\n

“Nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 c\u1ed1 g\u1eafng mua kh\u00f4ng t\u00ecm th\u1ea5y b\u1ea5t c\u1ee9 th\u1ee9 g\u00ec ho\u1eb7c b\u1ecb tr\u1ea3 gi\u00e1 cao h\u01a1n v\u00e0 k\u1ebft qu\u1ea3 l\u00e0 thu\u00ea l\u00e2u h\u01a1n”, Aaron Terrazas<\/a>, nh\u00e0 kinh t\u1ebf c\u1ea5p cao t\u1ea1i Zillow n\u00f3i.<\/p>\n\n

Khi chi ph\u00ed thu\u00ea nh\u00e0 t\u0103ng l\u00ean, l\u1eddi h\u1ee9a v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 ti\u1ebfp t\u1ee5c r\u00fat \u0111i.<\/p>\n\n

“Ti\u1ec1n l\u01b0\u01a1ng \u0111\u00e3 t\u1ee5t h\u1eadu so v\u1edbi l\u1ea1m ph\u00e1t cho thu\u00ea li\u00ean t\u1ee5c trong th\u1eadp k\u1ef7 qua ho\u1eb7c h\u01a1n, ngay c\u1ea3 tr\u01b0\u1edbc suy tho\u00e1i”, Andrew Jakabovics<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch ph\u00e1t tri\u1ec3n ch\u00ednh s\u00e1ch c\u1ee7a Enterprise Community cho bi\u1ebft.<\/p>\n\n

Khi ti\u1ec1n thu\u00ea nh\u00e0 ti\u00eau t\u1ed1n m\u1ed9t ph\u1ea7n l\u1edbn thu nh\u1eadp gia \u0111\u00ecnh, kh\u1ea3 n\u0103ng ti\u1ebft ki\u1ec7m c\u1ee7a m\u1ecdi ng\u01b0\u1eddi cho kho\u1ea3n thanh to\u00e1n tr\u01b0\u1edbc cho nh\u1eefng ng\u00f4i nh\u00e0 ng\u00e0y c\u00e0ng \u0111\u1eaft ti\u1ec1n gi\u1ea3m.<\/p>\n\n

\u00cdt l\u1ef1a ch\u1ecdn h\u01a1n<\/h3>\n\n

Nh\u1eefng ng\u01b0\u1eddi v\u1eabn gi\u1eef hy v\u1ecdng mua nh\u00e0 ri\u00eang \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t th\u1ecb tr\u01b0\u1eddng ng\u00e0y c\u00e0ng th\u00e1ch th\u1ee9c.\nNgu\u1ed3n cung nh\u00e0 kh\u1edfi nghi\u1ec7p tr\u00ean to\u00e0n qu\u1ed1c \u0111\u00e3 gi\u1ea3m 17% m\u1ed7i n\u0103m.\nT\u1ed1c \u0111\u1ed9 n\u00e0y nhanh g\u1ea7n g\u1ea5p \u0111\u00f4i so v\u1edbi m\u1ee9c gi\u1ea3m trung b\u00ecnh c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c ng\u00f4i nh\u00e0 v\u00e0 nhanh h\u01a1n ba l\u1ea7n so v\u1edbi s\u1ef1 s\u1ee5t gi\u1ea3m ngu\u1ed3n cung nh\u00e0 l\u1edbn h\u01a1n, Javier Vivas<\/a>, gi\u00e1m \u0111\u1ed1c nghi\u00ean c\u1ee9u kinh t\u1ebf t\u1ea1i Realtor.com cho bi\u1ebft. <\/p>\n\n

Ngo\u00e0i ra, nh\u1eefng ng\u00f4i nh\u00e0 nh\u1ecf h\u01a1n \u0111\u01b0\u1ee3c mua ho\u1eb7c ph\u00e1 b\u1ecf s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng nh\u1eefng ng\u00f4i nh\u00e0 m\u1edbi c\u00f3 k\u00edch th\u01b0\u1edbc v\u00e0 kh\u1ea3 n\u0103ng chi tr\u1ea3 t\u01b0\u01a1ng t\u1ef1, Vivas n\u00f3i.<\/p>\n\n

S\u1ed1 l\u01b0\u1ee3ng gi\u1ea5y ph\u00e9p x\u00e2y d\u1ef1ng nh\u00e0 \u1edf cho m\u1ed9t gia \u0111\u00ecnh \u0111\u00e3 gi\u1ea3m “khi c\u00e1c nh\u00e0 x\u00e2y d\u1ef1ng ti\u1ebfp t\u1ee5c ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng c\u01a1n gi\u00f3 ng\u01b0\u1ee3c t\u1eeb ph\u00eda cung nh\u01b0 t\u0103ng gi\u00e1 v\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng li\u00ean t\u1ee5c, thi\u1ebfu c\u00e1c l\u00f4 \u0111\u1ea5t c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng v\u00e0 thi\u1ebfu lao \u0111\u1ed9ng”, Robert Dietz<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a Hi\u1ec7p h\u1ed9i c\u00e1c nh\u00e0 x\u00e2y d\u1ef1ng qu\u1ed1c gia cho bi\u1ebft.<\/p>\n\n

Nh\u01b0ng c\u00e1c nh\u00e0 x\u00e2y d\u1ef1ng kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1eefng ng\u01b0\u1eddi duy nh\u1ea5t g\u00f3p ph\u1ea7n v\u00e0o vi\u1ec7c thi\u1ebfu nh\u1eefng ng\u00f4i nh\u00e0 kh\u1edfi \u0111\u1ea7u gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng.<\/p>\n\n

“C\u00e1c cu\u1ed9c th\u1ea3o lu\u1eadn xung quanh vi\u1ec7c thi\u1ebfu nh\u00e0 \u1edf \u0111\u00f4 th\u1ecb gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng th\u01b0\u1eddng t\u1eadp trung v\u00e0o c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n v\u00e0 nh\u00e0 \u0111\u1ea7u c\u01a1 l\u00e0 nh\u1eefng k\u1ebb ph\u1ea3n di\u1ec7n, nh\u01b0ng s\u1ef1 ph\u1ea3n \u0111\u1ed1i c\u1ee7a ch\u1ee7 nh\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c c\u0103n h\u1ed9 m\u1edbi l\u00e0 m\u1ed9t ph\u1ea7n l\u1edbn c\u1ee7a v\u1ea5n \u0111\u1ec1,” Randy Shaw<\/a>, gi\u00e1m \u0111\u1ed1c Ph\u00f2ng kh\u00e1m Nh\u00e0 \u1edf Tenderloin \u1edf San Francisco cho bi\u1ebft th\u00eam.<\/p>\n\n

Theo Shaw, nh\u1eefng n\u1ed7 l\u1ef1c c\u1ee7a c\u00e1c ch\u1ee7 nh\u00e0 l\u1edbn tu\u1ed5i \u0111\u1ec3 ng\u0103n ch\u1eb7n vi\u1ec7c x\u00e2y d\u1ef1ng nh\u1eefng ng\u00f4i nh\u00e0 v\u00e0 c\u0103n h\u1ed9 nh\u1ecf h\u01a1n \u0111\u00e3 th\u00e0nh c\u00f4ng \u1edf nh\u1eefng v\u00f9ng r\u1ed9ng l\u1edbn c\u1ee7a \u0111\u1ea5t n\u01b0\u1edbc, g\u00f3p ph\u1ea7n v\u00e0o t\u00ecnh hu\u1ed1ng c\u00e1c gia \u0111\u00ecnh t\u00ecm c\u00e1ch mua ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ecd kh\u00f4ng th\u1ec3 t\u00ecm \u0111\u01b0\u1ee3c ng\u00f4i nh\u00e0 m\u00e0 h\u1ecd c\u00f3 th\u1ec3 mua \u0111\u01b0\u1ee3c.<\/p>\n\n

T\u01b0\u01a1ng lai cho nh\u00e0 \u1edf<\/h3>\n\n

Vi\u1ec7c mua nh\u00e0 \u1edf c\u00f3 th\u1ec3 tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n trong t\u01b0\u01a1ng lai v\u1edbi s\u1ef1 gia t\u0103ng l\u00e3i su\u1ea5t c\u1ee7a C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang, \u0111i\u1ec1u n\u00e0y s\u1ebd kh\u00f4ng khuy\u1ebfn kh\u00edch doanh s\u1ed1 b\u00e1n h\u00e0ng.\nNgo\u00e0i ra, nh\u1eefng c\u1ea3i c\u00e1ch thu\u1ebf g\u1ea7n \u0111\u00e2y \u0111\u00e3 gi\u1edbi h\u1ea1n c\u00e1c kho\u1ea3n kh\u1ea5u tr\u1eeb thu\u1ebf b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u1ee7a ti\u1ec3u bang v\u00e0 \u0111\u1ecba ph\u01b0\u01a1ng, l\u00e0m t\u0103ng th\u00eam chi ph\u00ed s\u1edf h\u1eefu nh\u00e0 \u1edf th\u00e0nh th\u1ecb, Lorraine Woellert<\/a> t\u1ea1i Politico n\u00f3i. <\/p>\n\n

\"\"<\/figure>\n\n

C\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf cho Quy\u1ec1n s\u1edf h\u1eefu nh\u00e0<\/h2>\n\n

Thu\u00ea nh\u00e0 l\u00e0 l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn nh\u1ea5t cho nh\u1eefng ng\u01b0\u1eddi tr\u1ebb tu\u1ed5i v\u00e0 gia \u0111\u00ecnh ch\u01b0a s\u1eb5n s\u00e0ng mua ng\u00f4i nh\u00e0 \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ecd ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi m\u1edbi b\u1eaft \u0111\u1ea7u xem x\u00e9t mua.\nM\u1ed9t nghi\u00ean c\u1ee9u n\u0103m 2017 c\u1ee7a Pew Research cho th\u1ea5y nhi\u1ec1u h\u1ed9 gia \u0111\u00ecnh M\u1ef9 \u0111ang thu\u00ea nh\u00e0 trong n\u0103m \u0111\u00f3 h\u01a1n b\u1ea5t k\u1ef3 th\u1eddi \u0111i\u1ec3m n\u00e0o trong n\u1eeda th\u1ebf k\u1ef7 tr\u01b0\u1edbc, theo Anthony Cilluffo, Abigail Geiger v\u00e0 Richard Fry<\/a>. <\/p>\n\n

Tuy nhi\u00ean, chi ph\u00ed thu\u00ea nh\u00e0 c\u0169ng \u0111ang t\u0103ng l\u00ean.\nTh\u1ecb tr\u01b0\u1eddng cho thu\u00ea \u0111ang c\u1ea3m th\u1ea5y b\u1ecb si\u1ebft ch\u1eb7t khi \u00edt \u0111\u01a1n v\u1ecb cho thu\u00ea gi\u00e1 r\u1ebb \u0111ang \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng.\nK\u1ec3 t\u1eeb cu\u1ed9c suy tho\u00e1i n\u0103m 2008, s\u1ed1 l\u01b0\u1ee3ng c\u00e1c c\u0103n h\u1ed9 \u0111a gia \u0111\u00ecnh h\u1ea1ng A – nh\u1eefng c\u0103n h\u1ed9 c\u00f3 gi\u00e1 cao nh\u1ea5t – \u0111\u00e3 t\u0103ng 1,1 tri\u1ec7u, nh\u01b0ng s\u1ed1 l\u01b0\u1ee3ng c\u00e1c l\u1ef1a ch\u1ecdn h\u1ea1ng B v\u00e0 h\u1ea1ng C gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng h\u01a1n v\u1eabn tr\u00ec tr\u1ec7 \u1edf m\u1ee9c 5,7 tri\u1ec7u, m\u1eb7c d\u00f9 nhu c\u1ea7u cao h\u01a1n, Tanya Zahalak<\/a>, nh\u00e0 kinh t\u1ebf \u0111a gia \u0111\u00ecnh cao c\u1ea5p t\u1ea1i Fannie Mae cho bi\u1ebft. <\/p>\n\n

Khi ti\u1ec1n thu\u00ea nh\u00e0 t\u0103ng l\u00ean, qu\u1ef9 h\u1ed9 gia \u0111\u00ecnh c\u00f3 s\u1eb5n cho b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 s\u1ebd gi\u1ea3m xu\u1ed1ng.\nGi\u1eef cho b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u00f3 gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a n\u00f3 v\u00e0 l\u00e0m cho giao ti\u1ebfp tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 trung th\u00e0nh v\u1edbi kh\u00e1ch h\u00e0ng trong th\u1ecb tr\u01b0\u1eddng n\u00e0y. <\/p>\n\n

V\u00ec nh\u1eefng ng\u00f4i nh\u00e0 truy\u1ec1n th\u1ed1ng kh\u00f3 mua h\u01a1n, m\u1ed9t s\u1ed1 gia \u0111\u00ecnh \u0111ang chuy\u1ec3n sang c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf nh\u01b0 nh\u00e0 nh\u1ecf, nh\u00e0 \u1edf m\u00f4-\u0111un v\u00e0 nh\u00e0 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng t\u1eeb c\u00e1c v\u1eadt li\u1ec7u b\u1ea5t th\u01b0\u1eddng nh\u01b0 container v\u1eadn chuy\u1ec3n, Darcel Rockett<\/a> n\u00f3i tr\u00ean Chicago Tribune.<\/p>\n\n

S\u1ed1 l\u01b0\u1ee3ng ng\u00f4i nh\u00e0 nh\u1ecf v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf kh\u00e1c cho nh\u00e0 \u1edf m\u1ed9t gia \u0111\u00ecnh \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng theo truy\u1ec1n th\u1ed1ng l\u00e0 qu\u00e1 nh\u1ecf \u0111\u1ec3 \u0111\u0103ng k\u00fd nh\u01b0 m\u1ed9t danh m\u1ee5c ri\u00eang bi\u1ec7t trong h\u1ea7u h\u1ebft c\u00e1c nghi\u00ean c\u1ee9u.\nTuy nhi\u00ean, ch\u00fang c\u00f3 th\u1ec3 c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf trong t\u01b0\u01a1ng lai khi nh\u1eefng ng\u01b0\u1eddi mua tr\u1ebb tu\u1ed5i t\u00ecm ki\u1ebfm nh\u00e0 ri\u00eang c\u1ee7a h\u1ecd v\u00e0 nh\u1eefng ng\u01b0\u1eddi mua l\u1edbn tu\u1ed5i ho\u1eb7c c\u00e1c c\u1eb7p v\u1ee3 ch\u1ed3ng thu h\u1eb9p quy m\u00f4, Lawrence Yun<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng t\u1ea1i Hi\u1ec7p h\u1ed9i c\u00e1c nh\u00e0 b\u00e1n l\u1ebb qu\u1ed1c gia cho bi\u1ebft. <\/p>\n\n

Nh\u1eefng lo\u1ea1i nh\u00e0 \u1edf thay th\u1ebf n\u00e0y c\u00f3 th\u1ec3 s\u1ebd \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c<\/a> cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1edf h\u1eefu nh\u00e0.\nV\u00ed d\u1ee5, c\u00f3 th\u1ec3 kh\u00f3 ph\u00e2n lo\u1ea1i c\u00e1c t\u00f2a nh\u00e0 ho\u1eb7c gi\u1ea3i th\u00edch cho b\u1ea3n ch\u1ea5t DIY th\u01b0\u1eddng xuy\u00ean c\u1ee7a ch\u00fang.\n\u0110\u1ed1i v\u1edbi m\u1ed9t d\u00e2n s\u1ed1 \u0111\u00e3 th\u1eed nghi\u1ec7m c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf, vi\u1ec7c n\u1eafm b\u1eaft kh\u00e1i ni\u1ec7m truy\u1ec1n th\u1ed1ng v\u1ec1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t cu\u1ed9c \u0111\u1ea5u tranh. <\/p>\n\n

\"\"<\/figure>\n\n

Ch\u1ee7 nh\u00e0 so v\u1edbi ng\u01b0\u1eddi thu\u00ea nh\u00e0: C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ea3n \u1ee9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n

\u0110\u1ea7u ti\u00ean, tin t\u1ed1t: S\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a ch\u1ee7 nh\u00e0 v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ea1t m\u1ee9c cao nh\u1ea5t m\u1ecdi th\u1eddi \u0111\u1ea1i v\u00e0o n\u0103m 2018, theo Nghi\u00ean c\u1ee9u B\u1ea3o hi\u1ec3m Nh\u00e0 \u1edf Hoa K\u1ef3 c\u1ee7a J.D. Power 2018.\nS\u1ef1 gia t\u0103ng ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng n\u00e0y c\u00f3 li\u00ean quan ch\u1eb7t ch\u1ebd \u0111\u1ebfn kh\u1ea3 n\u0103ng c\u1ee7a kh\u00e1ch h\u00e0ng trong vi\u1ec7c k\u1ebft n\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 ho\u1eb7c ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u1ee7a h\u1ecd th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1, Robert Lajdziak<\/a>, chuy\u00ean gia t\u01b0 v\u1ea5n kinh doanh cho th\u1ef1c h\u00e0nh b\u1ea3o hi\u1ec3m B\u1eafc M\u1ef9 c\u1ee7a J.D. Power cho bi\u1ebft. <\/p>\n\n

N\u00f3i c\u00e1ch kh\u00e1c, nh\u1eefng th\u00e1ch th\u1ee9c trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ebfn t\u1eeb kh\u00e1ch h\u00e0ng, mi\u1ec5n l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m lu\u00f4n \u0111i \u0111\u1ea7u trong tr\u00f2 ch\u01a1i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd.\nThay v\u00e0o \u0111\u00f3, nh\u1eefng th\u00e1ch th\u1ee9c c\u00f3 th\u1ec3 ph\u00e1t sinh t\u1eeb ch\u00ednh th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf. <\/p>\n\n

Gi\u00e1o d\u1ee5c v\u00e0 ti\u1ebfp c\u1eadn c\u1ed9ng \u0111\u1ed3ng t\u1ed1t h\u01a1n<\/h3>\n\n

M\u1ed9t th\u00e1ch th\u1ee9c s\u1ebd l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1edf h\u1eefu nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m c\u00f3 \u00fd ngh\u0129a cho kh\u00e1ch h\u00e0ng, d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3 trong th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf \u0111\u1ecba ph\u01b0\u01a1ng c\u1ee7a h\u1ecd.\nHi\u1ec7n t\u1ea1i, ph\u00ed b\u1ea3o hi\u1ec3m trung b\u00ecnh cho ch\u1ee7 nh\u00e0 v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 ch\u1ec9 t\u01b0\u01a1ng quan l\u1ecfng l\u1ebbo v\u1edbi gi\u00e1 c\u1ee7a th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf. <\/p>\n\n

V\u00ed d\u1ee5, t\u1ef7 l\u1ec7 trung b\u00ecnh h\u00e0ng n\u0103m c\u1ee7a Florida cao h\u01a1n 191% so v\u1edbi m\u1ee9c trung b\u00ecnh qu\u1ed1c gia, trong khi Hawaii th\u1ea5p h\u01a1n 73%, Les Masterson<\/a> t\u1ea1i Insurance.com n\u00f3i.\nHawaii \u0111\u1ee9ng cu\u1ed1i danh s\u00e1ch m\u1eb7c d\u00f9 th\u1ef1c t\u1ebf l\u00e0 Hawaii lu\u00f4n \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng l\u00e0 m\u1ed9t trong nh\u1eefng th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf \u0111\u1eaft \u0111\u1ecf nh\u1ea5t \u1edf M\u1ef9. <\/p>\n\n

\u0110\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 nh\u1eefng con s\u1ed1 n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1edf h\u1eefu nh\u00e0 c\u00f3 th\u1ec3 cung c\u1ea5p th\u00eam gi\u00e1o d\u1ee5c v\u1ec1 c\u00e1ch t\u00ednh chi ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a ch\u1ee7 nh\u00e0 ho\u1eb7c ng\u01b0\u1eddi thu\u00ea nh\u00e0.\nV\u00ed d\u1ee5, gi\u00fap kh\u00e1ch h\u00e0ng hi\u1ec3u l\u00e0m th\u1ebf n\u00e0o tu\u1ed5i c\u1ee7a nh\u00e0 \u1edf, v\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng v\u00e0 y\u1ebfu t\u1ed1 m\u00f4i tr\u01b0\u1eddng v\u00e0o t\u1ed5ng chi ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p cho m\u1ecdi ng\u01b0\u1eddi c\u1ea3m gi\u00e1c s\u1edf h\u1eefu v\u00e0 gi\u00e1 tr\u1ecb trong c\u00e1c l\u1ef1a ch\u1ecdn ch\u00ednh s\u00e1ch c\u1ee7a h\u1ecd. <\/p>\n\n

T\u01b0\u01a1ng lai c\u1ee7a th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf<\/h3>\n\n

M\u1eb7c d\u00f9 t\u0103ng tr\u01b0\u1edfng nh\u00e0 \u1edf \u0111\u00e3 b\u1eaft \u0111\u1ea7u c\u00f3 xu h\u01b0\u1edbng t\u0103ng \u1edf m\u1ed9t s\u1ed1 v\u00f9ng c\u1ee7a Hoa K\u1ef3, t\u0103ng tr\u01b0\u1edfng t\u1ed5ng th\u1ec3 v\u1eabn \u1edf m\u1ee9c trung l\u1eadp k\u1ec3 t\u1eeb gi\u1eefa n\u0103m 2018, theo Ch\u1ec9 s\u1ed1 h\u00e0ng \u0111\u1ea7u v\u1ec1 th\u1ecb tr\u01b0\u1eddng nh\u00e0 \u1edf l\u00e0nh m\u1ea1nh (LIHHM) c\u1ee7a To\u00e0n qu\u1ed1c, m\u1ed9t ph\u00e2n t\u00edch v\u1ec1 c\u00e1c ch\u1ec9 s\u1ed1 s\u1ee9c kh\u1ecfe nh\u00e0 \u1edf t\u1ea1i 400 khu v\u1ef1c th\u1ed1ng k\u00ea \u0111\u00f4 th\u1ecb tr\u00ean to\u00e0n qu\u1ed1c.<\/p>\n\n

“C\u00e1c y\u1ebfu t\u1ed1 nhu c\u1ea7u n\u00f3i chung l\u00e0 t\u00edch c\u1ef1c \u1edf h\u1ea7u h\u1ebft c\u00e1c khu v\u1ef1c, nh\u01b0ng \u0111i\u1ec1u ki\u1ec7n ngu\u1ed3n cung v\u1eabn th\u1eaft ch\u1eb7t trong khi kh\u1ea3 n\u0103ng chi tr\u1ea3 l\u00e0 m\u1ed1i quan t\u00e2m ng\u00e0y c\u00e0ng t\u0103ng”, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u00e0 nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng David Berson, ti\u1ebfn s\u0129<\/a> v\u00e0 c\u00e1c t\u00e1c gi\u1ea3 c\u1ee7a nghi\u00ean c\u1ee9u cho bi\u1ebft.<\/p>\n\n

C\u00e1c gia \u0111\u00ecnh t\u00ecm mua nh\u00e0 c\u00f3 kh\u1ea3 n\u0103ng t\u00ecm ki\u1ebfm l\u00e2u h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u00e2y, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 h\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c d\u1ef1a v\u00e0o b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi thu\u00ea nh\u00e0 trong nhi\u1ec1u th\u00e1ng ho\u1eb7c nhi\u1ec1u n\u0103m.\nC\u00e1c c\u00f4ng ty l\u00e0m cho b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c c\u00f3 th\u1ec3 t\u1ea1o ra l\u00f2ng trung th\u00e0nh s\u1ebd ch\u1ecbu \u0111\u1ef1ng \u0111\u01b0\u1ee3c qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i sang ch\u00ednh s\u00e1ch ch\u1ee7 nh\u00e0 cu\u1ed1i c\u00f9ng. <\/p>\n\n

\u1ea2nh: Ian Allenden\/\u00a9123RF.com, imagemax\/\u00a9123RF.com, Antonio Guillem\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Khi c\u00e1c gia \u0111\u00ecnh ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi chi ph\u00ed s\u1edf h\u1eefu nh\u00e0 v\u00e0 thu\u00ea nh\u00e0 t\u0103ng cao, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang c\u1ea3m th\u1ea5y b\u1ecb si\u1ebft ch\u1eb7t. Nhi\u1ec1u ng\u01b0\u1eddi thu\u00ea nh\u00e0 v\u00e0 ng\u01b0\u1eddi mua nh\u00e0 tr\u1ebb tu\u1ed5i \u0111ang ch\u1ecdn gi\u1ea3m ho\u1eb7c lo\u1ea1i b\u1ecf b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 ho\u1eb7c […]<\/p>\n","protected":false},"featured_media":5631,"template":"","insight-category":[],"class_list":["post-21195","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/5631"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21195"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}