commit bb4e524ac737fce3f95fe599e663a30ea6daa8ac Author: margeryclemmer Date: Fri Jun 13 14:22:57 2025 +0800 Add Rent, Mortgage, Or Just Stack Sats? diff --git a/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md new file mode 100644 index 0000000..8f262f2 --- /dev/null +++ b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md @@ -0,0 +1,59 @@ +[worldbank.org](https://www.worldbank.org/en/topic/agriculture/overview)
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Rent, mortgage, or just stack sats? First-time homebuyers struck historical lows as Bitcoin exchange reserves diminish
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Share
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U.S. family debt just struck $18T, mortgage rates are ruthless, and Bitcoin's supply crunch is heightening. Is the old path to wealth breaking down?
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Tabulation
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Real estate is slowing - quickly +
From deficiency hedge to liquidity trap +
A lot of homes, too few coins +
The flippening isn't coming - it's here +
+Realty is slowing - fast
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For years, realty has actually been among the most reliable ways to [build wealth](https://seedrealty.in). Home worths generally increase over time, and residential or commercial property ownership has actually long been thought about a safe investment.
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But today, the housing market is revealing indications of a slowdown unlike anything seen in years. Homes are resting on the marketplace longer. Sellers are cutting prices. Buyers are battling with high mortgage rates.
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According to current data, the average home is now costing 1.8% listed below asking cost - the greatest discount in nearly two years. Meanwhile, the time it takes to offer a normal home has actually extended to 56 days, marking the longest wait in 5 years.
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BREAKING: The average US home is now costing 1.8% less than its asking price, the largest discount in 2 years.
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This is also among the most affordable readings given that 2019.
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It existing takes an average of ~ 56 days for the typical home to sell, the longest period in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the downturn is much more noticable. In cities like Miami and Fort Lauderdale, over 60% of listings have remained unsold for more than 2 months. Some homes in the state are selling for as much as 5% listed below their sticker price - the steepest discount in the country.
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At the exact same time, Bitcoin (BTC) is ending up being a significantly appealing option for investors looking for a limited, important possession.
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BTC recently hit an all-time high of $109,114 before pulling back to $95,850 since Feb. 19. Even with the dip, BTC is still up over 83% in the previous year, driven by rising institutional demand.
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So, as genuine estate becomes more difficult to offer and more pricey to own, could Bitcoin emerge as the supreme shop of worth? Let's discover.
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From shortage hedge to [liquidity](https://pl-property.com) trap
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The housing market is experiencing a sharp slowdown, weighed down by high mortgage rates, pumped up home costs, and declining liquidity.
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The typical 30-year mortgage rate remains high at 6.96%, a stark contrast to the 3%-5% rates typical before the [pandemic](https://onedayproperty.net).
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Meanwhile, the mean U.S. home-sale cost has increased 4% year-over-year, however this boost hasn't equated into a stronger market-affordability pressures have actually kept demand subdued.
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Several key patterns highlight this shift:
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- The mean time for a home to go under agreement has leapt to 34 days, a sharp boost from previous years, indicating a cooling market.
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- A complete 54.6% of homes are now [offering](https://premiergroup-eg.com) below their list rate, a level not seen in years, while simply 26.5% are selling above. Sellers are increasingly forced to adjust their expectations as buyers get more leverage.
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- The typical sale-to-list price ratio has actually been up to 0.990, showing stronger purchaser settlements and a decline in seller power.
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Not all homes, nevertheless, are affected equally. Properties in prime areas and move-in-ready condition continue to attract purchasers, while those in less desirable locations or requiring restorations are facing steep discount rates.
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But with loaning costs rising, the housing market has actually become far less liquid. Many prospective sellers hesitate to part with their low fixed-rate mortgages, while purchasers struggle with greater monthly payments.
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This lack of liquidity is an essential weak point. Unlike Bitcoin, which can be traded 24/7 with near-instant execution, real estate transactions are slow, expensive, and often take months to finalize.
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As [financial uncertainty](https://ethiopiarealty.com) sticks around and capital seeks more efficient shops of value, the barriers to entry and slow liquidity of realty are becoming significant drawbacks.
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Too many homes, too few coins
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While the housing market fights with rising stock and weakening liquidity, Bitcoin is experiencing the opposite - a supply squeeze that is sustaining institutional demand.
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Unlike realty, which is affected by debt cycles, market conditions, and ongoing advancement that expands supply, Bitcoin's overall supply is permanently topped at 21 million.
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Bitcoin's absolute scarcity is now hitting rising demand, especially from institutional investors, enhancing Bitcoin's role as a long-lasting store of value.
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The approval of area Bitcoin ETFs in early 2024 triggered a massive wave of institutional inflows, drastically shifting the supply-demand balance.
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Since their launch, these ETFs have actually drawn in over $40 billion in net inflows, with monetary giants like BlackRock, Grayscale, and Fidelity controlling most of holdings.
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The need surge has absorbed Bitcoin at an unprecedented rate, with daily ETF purchases varying from 1,000 to 3,000 BTC - far exceeding the approximately 500 new coins mined every day. This growing [supply deficit](https://cabana.villas) is making Bitcoin significantly limited in the open market.
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At the same time, Bitcoin exchange reserves have dropped to 2.5 million BTC, the most affordable level in 3 years. More financiers are withdrawing their holdings from exchanges, signaling strong conviction in Bitcoin's long-term potential instead of treating it as a short-term trade.
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Further enhancing this trend, long-term holders continue to control supply. Since December 2023, 71% of all Bitcoin had actually stayed unblemished for over a year, highlighting deep investor dedication.
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While this figure has a little decreased to 62% since Feb. 18, the more comprehensive pattern indicate Bitcoin becoming a significantly securely held property gradually.
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The flippening isn't coming - it's here
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Since January 2025, the mean U.S. home-sale cost stands at $350,667, with mortgage rates hovering near 7%. This combination has actually pressed regular monthly mortgage payments to tape highs, making homeownership significantly unattainable for more youthful generations.
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To put this into perspective:
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- A 20% down payment on a median-priced home now goes beyond $70,000-a figure that, in many cities, goes beyond the total home rate of previous years.
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- First-time property buyers now represent just 24% of overall buyers, a [historic low](https://www.jukiwa.co.ke) compared to the [long-lasting average](https://cyppro.com) of 40%-50%.
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- Total U.S. home financial obligation has risen to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the growing monetary concern of homeownership.
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Meanwhile, Bitcoin has actually outshined real estate over the past years, boasting a [growth rate](https://asmauburn.com) (CAGR) of 102.36% given that 2011-compared to housing's 5.5% CAGR over the same duration.
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But beyond returns, a deeper generational shift is unfolding. Millennials and Gen Z, raised in a digital-first world, see conventional financial systems as sluggish, stiff, and outdated.
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The concept of owning a decentralized, borderless asset like Bitcoin is far more attractive than being tied to a 30-year mortgage with unforeseeable residential or commercial property taxes, insurance coverage costs, and maintenance expenditures.
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Surveys recommend that younger financiers significantly prioritize monetary flexibility and mobility over homeownership. Many choose renting and keeping their assets liquid rather than dedicating to the illiquidity of genuine estate.
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Bitcoin's mobility, day-and-night trading, and resistance to [censorship align](https://acebrisk.com) perfectly with this frame of mind.
[worldbank.org](https://www.worldbank.org/en/country/brazil/overview) +
Does this mean realty is becoming obsolete? Not completely. It stays a hedge versus inflation and an important property in high-demand locations.
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But the ineffectiveness of the housing market - integrated with Bitcoin's growing institutional approval - are reshaping financial investment choices. For the very first time in history, a [digital property](https://hauntley.com) is contending directly with physical property as a long-lasting shop of worth.
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