{"id":6052,"date":"2023-05-12T12:17:44","date_gmt":"2023-05-12T12:17:44","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=6052"},"modified":"2026-04-07T10:30:24","modified_gmt":"2026-04-07T10:30:24","slug":"housing-prices-are-increasing-does-it-put-you-in-a-dilemma","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/","title":{"rendered":"Housing Prices are Increasing, does it put you in a Dilemma?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The whooping news about increased housing prices, should stun or disappoint you? At least it\u2019s discerning to those who wanted to purchase a new home or a property. But good news to those who already bought a property sometime back and now it has shot up to an extent that you are profitable in case you are you are selling or maybe can even charge higher rents from your paying guest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Having said that, why is it discerning to expect good returns from a surging market? Let\u2019s learn about it as you continue to read.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#The_talk_of_the_news\" >The talk of the news<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#Will_the_global_economy_shake_due_to_the_US_defaulting_on_bills\" >Will the global economy shake due to the US defaulting on bills?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#Why_has_it_surged\" >Why has it surged?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#Coming_to_the_point_why\" >Coming to the point, why?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#The_psychology_of_investors_that_may_be_irrational\" >The psychology of investors that may be irrational<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#Wrapping_up\" >Wrapping up\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/#Fixed-Income_Outlook_%E2%80%93_2023\" >Fixed-Income Outlook &#8211; 2023<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_talk_of_the_news\"><\/span><strong>The talk of the news<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Recently the housing report stated that housing prices have surged during the time span of the first quarter of 2023. And averaging the outcomes of all the realty markets, it is closer to the mark of 7% year on year.\u00a0<\/span><\/p>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Will_the_global_economy_shake_due_to_the_US_defaulting_on_bills\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/will-the-global-economy-shake-due-to-the-us-defaulting-on-bills\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Housing_Prices\"><strong>Will the global economy shake due to the US defaulting on bills?<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h3><span class=\"ez-toc-section\" id=\"Why_has_it_surged\"><\/span><strong>Why has it surged?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The contributing factors to it are the increasing prices of labor, and housing materials, and the whooping demand for ready-to-move houses. All in all, it is an increased revenue to those who are selling the purchased property during this time, as it is high.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But saddening to those where it has become costlier to purchase the house they dreamt of. But the catch is yet to come as you read on. Well, the pandemic event had kept housing prices at low and stagnant for some time. And in fact, it was the right time to have invested back then, but now with the elevated prices, it isn\u2019t the right time to invest. It\u2019s good to save oneself than put yourself in the loophole of debts that could just make things worse.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Coming_to_the_point_why\"><\/span><strong>Coming to the point, why?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It might be good that the housing prices are surging and it shows the potential of the real estate market but when the Reserve Bank of India rises the <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/impact-of-hike-in-repo-rate-on-the-indian-economy\/\" target=\"_blank\" rel=\"noopener noreferrer\">repo rate<\/a>, it causes an alarm. When the repo rate increases the mortgage interest rates increase as well. Which in turn becomes hard for the buyers to take a home loan to purchase, as paying higher interest rates is a greater pain.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So while being fascinated about the price hikes, it is as well important to look into these aspects. If you wonder why <a href=\"https:\/\/www.rbi.org.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">RBI<\/a> increases the interest rates, it is because of the <a href=\"https:\/\/goldenpi.com\/blog\/essentials\/how-does-inflation-affect-bond-price\/\" target=\"_blank\" rel=\"noopener noreferrer\">rising inflation<\/a>. In order to curb that, it\u2019s a measure for the government. Having the inflation high, don\u2019t you think the mortgage rates can surge as well?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this case, it in fact becomes a costlier expense, and going forth the housing prices might even decline, due to a mismatch in the supply and demand.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Well, it\u2019s also important to take a look at the <a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/capital-gains-vs-interest-income-whats-more-tax-friendly\/\">income<\/a> rate to afford that hiked housing price. If the income rate has no growth then the house that you want to own is a way big expense risk that one can take upon, as it isn\u2019t a 5-year plan but a much long-term plan in fact.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For homes to get sold it\u2019s also a matter of affordability. Earlier affordable homes had a share of 51 percent, and now it is down by 11 percent. It just shows how the affordability price matters for average investors to buy as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the other scenario, when the land, as well as house prices, increases simultaneously, then it\u2019s a drastic situation to be in.\u00a0<\/span><\/p>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"The_psychology_of_investors_that_may_be_irrational\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/the-psychology-of-investors-that-may-be-irrational\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Housing_Prices\"><strong>The psychology of investors that may be irrational<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h2><span class=\"ez-toc-section\" id=\"Wrapping_up\"><\/span><strong>Wrapping up\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Paying off your home installments is more like increasing your <a href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/what-do-you-mean-by-net-worth\/\">net worth<\/a>. But it\u2019s also true that the money that your home is worth can only be taken out when you sell it or either use it as collateral on any loans that you take.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unless you have invested in a rental property, it ain\u2019t going to make you money for retirement. If it seems like a costly affair of investing in a property, you must consider options like investing in <a href=\"https:\/\/goldenpi.com\/investment-options\/list-view\" target=\"_blank\" rel=\"noopener noreferrer\">bonds<\/a> to reap monthly or half-yearly, or even annual payments for that matter at a lower risk and is hassle-free with a fixed interest and capital preservation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you were to be a millionaire by owning a house for which you paid mortgage installments, the price of the house that you own must shoot up year on year at an average of 8% and considerably has a shortened tenure of the mortgage. But the catch is the prices of the home need not necessarily shoot up every year and the value of all the homes need not go up.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, a part of that appreciated value will go to maintenance, paying up insurance, doing some repairs, and of course paying the property taxes. It isn\u2019t a fallacy that real estate takes up a huge chunk of your money in buying one and at the same time, it can be illiquid, unlike other instruments. The major point to look into is that not every piece of land or a home is worth buying as it depends on the area to make a real profit from it.<\/span><\/p>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Fixed-Income_Outlook_%E2%80%93_2023\"><\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/fixed-income-outlook-2023\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Housing_Prices\"><strong>Fixed-Income Outlook &#8211; 2023<\/strong><\/a><span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>The whooping news about increased housing prices, should stun or disappoint you? At least it\u2019s discerning to those who wanted to purchase&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12014,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[151],"tags":[149],"class_list":["post-6052","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-matters","tag-housing-price"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Housing Prices are Increasing, does it put you in a Dilemma?<\/title>\n<meta name=\"description\" content=\"Are rising housing prices causing you a dilemma? 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