Kukweretesa kunotora rekodhi £201.8m muQ2 sezvo vanokwereta vachitsvaga kununura kutenga imba

Kupedzwa kwechikwereti chebhiriji kwakawedzera ne2.9% mukota yechipiri (Q2) yegore, kusvika pamadhora mazana maviri nemazana masere emamiriyoni apo vakwereti vaitsvaga kununura kutengeserana kwedzimba kwakamira. Sekureva kweThe Bridging Trends chirevo chakagadzirwa na MT Finance, iyi yakange iri nhamba yepamusoro-soro kubva zvakatanga marekodhi muna 2015.

Chirevo chakaratidza kuti chikonzero chikuru chekusarudza mari yebhiriji yaive yekudzivirira cheni yezvivakwa kubva pakudonha, iyo yakaverengera makumi maviri nenhatu muzana yezvese mabhiriji ekukweretesa muQ23. Izvi zvaimiririra kuwedzera kubva pa2% yakanyorwa mukota yapfuura.

Pamusoro pezvo, kwakave nekukwira kukuru kwechikamu chevakwereta vanoshandisa kubatanidza zvikwereti zvekutenga okisheni, kusvetuka kubva ku9% muQ1 kusvika kune imwe nguva yakakwirira ye14% muQ2. MT Finance yakataura kuti kuwedzera uku kunogona kuve kwakakonzerwa nevatengi vanotora mukana wezvivakwa zvisingakoshese pamusika une usimbe wezvivakwa.

Avhareji yenguva yekugadzirisa chikwereti chebhiriji yakawira kumazuva makumi mashanu nemaviri muQ52, iyo ipfupi nguva mumakore matatu, kubva pamazuva makumi mashanu nemasere muQ2. MT Finance yakabatana nekushanduka uku nekukurumidza nekushandiswa kuri kukura kwemari yekuvharisa macheni uye kutenga kutenga.

William Lloyd-Hayward, mukuru weboka rinoshanda uye maneja maneja kuSirius Finance, akasimbisa kuchinjika kwekukwereta zvikwereti, achiti kunyangwe ivo vachiwanzobatanidzwa nevaisiri vezvivakwa, kushandiswa kwavo kuchengetedza kutengeserana kwedzimba kubva pakuputsika kuri kuita kwakajairika. Akakurudzira mabroker asina ruzivo rwezvikwereti zvebridging kuti vafunge kubatana nenyanzvi kuti vabatsire vatengi vavo zvirinani.

Zvikwereti zvebhiriji zvakashandiswawo kuwana zvinhu zvekutsvaga mari, zvichiita 18% yekutengeserana muQ2, kunyange izvi zvaive zvishoma zvishoma kubva ku21% muQ1. Kudonha uku kunonzi kuri kukonzerwa nekusajeka kuri kuita mari dzemhindu uye nemamiriro akaita hupfumi hwenyika, kusanganisira sarudzo dziri kuuya.

Pasinei nematambudziko aya, kudiwa kwemari yebhiriji kwakaramba kwakasimba, nehuwandu hwezvikwereti zvisina kurongwa zvebhiriji zvichikwira kubva ku49% muQ1 kusvika ku54.2% muQ2. Shanduko iyi inoratidza kuti varidzi vemba nevaisiri vemari vari kujairana nekuchinja kuri kuita mhindu nharaunda. Andre Bartlett, director kuCapital B Property Finance, akacherechedza kuti kunyangwe pakati pekukwira kwemitengo yemubereko uye kusagadzikana kwehupfumi, musika uri kuratidza kusimba, nevanokwereta vachiwedzera kutendeukira kuzvikwereti zvisina kunyoreswa.

Sezvineiwo, chikamu chechipiri chekubhadhara zvikwereti zvebhiriji chakadonha kubva pa21.3% muQ1 kusvika 11.6% muQ2, sezvo vanokwereta vaikoshesa kutenga kwemba pamusoro pekuburitsa zvakaenzana. MT Finance yakaratidza kuti kuderedzwa kwechikwereti chechipiri chechikwereti kungave kwakakonzera kuderera kudiki kweavhareji yembereko pamwedzi, iyo yakadonha kubva pa0.89% muQ1 kusvika 0.86% muQ2. Zvichakadaro, chiyero chechikwereti-ku-kukosha (LTV) chakanyurawo zvishoma kubva pa60% kusvika pa59.3%.

Chikwereti chebhiriji chikwereti chenguva pfupi chinoshandiswa 'kuvhara' mukaha wemari, kazhinji pakati pekutengwa kwechimwe chivako nekutengeswa kwechimwe. Zvikwereti izvi zvinowanzo shandiswa kana vatengi vachida mari nekukurumidza kuti vapedze kutengeserana, kunyanya kana vakamirira imwe mari kuti iuye, kana kudzivirira cheni yezvivakwa kubva pakudonha. Bridging finance zvakare yakakurumbira kutenga zvivakwa paauction, uko kukurumidza kuwana mari kwakakosha. 

Zvikwereti zvebhiriji zvinowanzochinjika kupfuura zvikwereti zvechinyakare, nemashoko anowanzogara pakati pemwedzi mitanhatu kusvika gumi nemiviri. Nekudaro, ivo vanowanzouya nemareti emhando yepamusoro nekuda kwechimiro chenguva pfupi uye nekukurumidza kugadzirisa nguva.

Mari iyi inowanzo shandiswa nevagadziri vezvivakwa vanoda kufamba nekukurumidza uye kudzivirira cheni dzezvivakwa zvekare uye vanogona kunge vaine hurongwa hwekuita uye kuchinjisa chivakwa, kana kuirenda kuvaroja uye vozoshandura chikwereti ichi kuti chitenge kuti chibviswe. Inoshandiswawo nevaridzi vedzimba mazuva ese vari padhuze nekurasikirwa nekutenga nzvimbo uye vari kutsvaga kushandisa bhiriji kuti vave vatengi vemari.

Richard Allan, mukuru wenyanzvi dzinokweretesa Capital Bean, akataura kuti kukweretesa kwenyanzvi kunoramba kuchipa shanduko inodiwa mu curent stagnant property market. Akakurudzirwa nekuwedzera kwekukweretesa kusingabvumirwi uye akarumbidza kubudirira kwekupedzisa zvibvumirano, sezvo nguva yekupera kwevhareji yakaderedzwa kubva ku58 kusvika ku52 mazuva.

Chirevo ichi chinounganidza data kubva kune akawanda mazvikokota emapakeji emari, achiratidza kuchinjika kwechikamu.

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