From 71200687797f9a7226f3a9b124d0ccb5db7eedcb Mon Sep 17 00:00:00 2001 From: Aleisha McEvilly Date: Tue, 17 Jun 2025 12:09:37 +0800 Subject: [PATCH] Add Rent, Mortgage, Or Just Stack Sats? --- Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md | 59 ++++++++++++++++++++ 1 file changed, 59 insertions(+) create mode 100644 Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md 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..638ea30 --- /dev/null +++ b/Rent%2C-Mortgage%2C-Or-Just-Stack-Sats%3F.md @@ -0,0 +1,59 @@ +
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Rent, mortgage, or just stack sats? First-time property buyers struck historic lows as Bitcoin exchange reserves diminish
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Share
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U.S. household debt just hit $18T, mortgage rates are ruthless, and Bitcoin's supply crunch is intensifying. Is the old path to wealth breaking down?
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Tabulation
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Real estate is slowing - quick +
From scarcity hedge to liquidity trap +
Too numerous homes, too couple of coins +
The flippening isn't coming - it's here +
+Realty is slowing - quick
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For many years, property has actually been among the most reliable methods to construct wealth. Home values typically rise gradually, and residential or commercial property ownership has actually long been considered a safe investment.
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But right now, the housing market is showing signs of a downturn unlike anything seen in years. Homes are sitting on the market longer. Sellers are cutting costs. Buyers are fighting with high mortgage rates.
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According to current data, the typical home is now costing 1.8% listed below asking rate - the greatest discount rate in almost 2 years. Meanwhile, the time it takes to offer a typical home has actually extended to 56 days, marking the longest wait in five years.
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BREAKING: The average US home is now [costing](https://elegantcyprusproperties.com) 1.8% less than its asking cost, the biggest discount in 2 years.
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This is likewise among the most affordable readings considering that 2019.
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It current takes approximately ~ 56 days for the common home to sell, the longest period in 5 years ... pic.twitter.com/DhULLgTPoL
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In Florida, the slowdown is a lot more noticable. In cities like Miami and Fort Lauderdale, over 60% of listings have stayed unsold for more than two months. Some homes in the state are costing as much as 5% listed below their market price - the steepest discount rate in the country.
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At the same time, Bitcoin (BTC) is ending up being a progressively appealing alternative for investors seeking a limited, valuable asset.
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BTC just recently struck an all-time high of $109,114 before pulling back to $95,850 as of Feb. 19. Even with the dip, BTC is still up over 83% in the previous year, driven by surging institutional demand.
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So, as property becomes more [difficult](https://lilypadpropertiesspain.co.uk) to offer and more costly to own, could Bitcoin emerge as the ultimate store of worth? Let's learn.
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From scarcity hedge to liquidity trap
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The housing market is experiencing a sharp downturn, weighed down by high mortgage rates, pumped up home costs, and declining liquidity.
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The average 30-year mortgage rate stays high at 6.96%, a plain contrast to the 3%-5% rates common before the pandemic.
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Meanwhile, the median U.S. home-sale rate has actually increased 4% year-over-year, however this increase hasn't translated into a stronger market-affordability pressures have kept demand suppressed.
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Several crucial trends highlight this shift:
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- The typical time for a home to go under agreement has leapt to 34 days, a sharp increase from previous years, indicating a cooling market.
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- A complete 54.6% of homes are now offering listed below their market price, a level not seen in years, while simply 26.5% are selling above. Sellers are progressively forced to change their expectations as purchasers gain more utilize.
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- The average sale-to-list price ratio has been up to 0.990, showing stronger purchaser negotiations and a decrease in seller power.
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Not all homes, however, are impacted equally. Properties in prime locations and move-in-ready condition continue to attract purchasers, while those in less desirable areas or requiring renovations are dealing with steep discount rates.
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But with borrowing costs rising, the housing market has become far less liquid. Many prospective sellers are reluctant to part with their low fixed-rate mortgages, while purchasers struggle with higher regular monthly payments.
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This absence of liquidity is a basic weakness. Unlike Bitcoin, which can be traded 24/7 with near-instant execution, property deals are slow, expensive, and typically take months to complete.
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As financial unpredictability remains and capital looks for more efficient shops of worth, the [barriers](https://vipnekretnine.hr) to entry and slow liquidity of property are ending up being major disadvantages.
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Too many homes, too few coins
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While the housing market has problem with increasing stock and weakening liquidity, Bitcoin is experiencing the opposite - a supply capture that is sustaining institutional need.
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Unlike real estate, which is affected by debt cycles, market conditions, and continuous development that expands supply, Bitcoin's total supply is permanently topped at 21 million.
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Bitcoin's outright scarcity is now hitting rising need, especially from institutional investors, enhancing Bitcoin's function as a long-lasting store of worth.
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The approval of spot Bitcoin ETFs in early 2024 triggered a huge wave of institutional inflows, considerably moving the supply-demand balance.
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Since their launch, these ETFs have drawn in over $40 billion in net inflows, with financial giants like BlackRock, Grayscale, and Fidelity controlling the bulk of holdings.
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The need surge has soaked up 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 is making Bitcoin progressively limited outdoors 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 investors are withdrawing their holdings from exchanges, signifying strong conviction in Bitcoin's long-lasting prospective rather than treating it as a short-term trade.
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Further reinforcing this pattern, long-lasting holders [continue](https://www.propbuddy.my) to [dominate supply](https://topdom.rs). As of December 2023, 71% of all Bitcoin had actually stayed unblemished for over a year, [highlighting deep](https://propcart.co.ke) investor commitment.
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While this figure has somewhat decreased to 62% as of Feb. 18, the wider [pattern](https://stayandhomely.com) points to Bitcoin becoming an increasingly tightly held asset over time.
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The flippening isn't coming - it's here
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As of January 2025, the typical U.S. home-sale cost stands at $350,667, with mortgage rates hovering near 7%. This mix has pressed monthly mortgage payments to record highs, making homeownership increasingly unattainable for more youthful generations.
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To put this into viewpoint:
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- A 20% down payment on a median-priced home now [surpasses](https://internationalpropertyalerts.com) $70,000-a figure that, in lots of cities, exceeds the total home price of previous years.
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- First-time property buyers now represent simply 24% of total purchasers, a historical low compared to the long-lasting average of 40%-50%.
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- Total U.S. household debt has risen to $18.04 trillion, with mortgage balances accounting for 70% of the total-reflecting the growing financial concern of homeownership.
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Meanwhile, Bitcoin has surpassed property over the past years, boasting a compound annual growth rate (CAGR) of 102.36% considering that 2011-compared to 5.5% CAGR over the very same period.
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But beyond returns, a deeper generational shift is unfolding. [Millennials](https://roostaustin.com) and Gen Z, raised in a digital-first world, see traditional monetary systems as sluggish, stiff, and dated.
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The concept of owning a decentralized, borderless possession like Bitcoin is much more appealing than being connected to a 30-year mortgage with unforeseeable residential or commercial property taxes, insurance costs, and upkeep expenditures.
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Surveys recommend that more youthful financiers progressively focus on financial flexibility and mobility over homeownership. Many prefer leasing and keeping their possessions liquid instead of devoting to the illiquidity of real estate.
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Bitcoin's portability, day-and-night trading, and resistance to censorship align perfectly with this frame of mind.
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Does this mean property is becoming outdated? Not completely. It stays a hedge against inflation and an important possession in high-demand areas.
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But the ineffectiveness of the [housing market](https://kenyapropertyfinder.com) - integrated with Bitcoin's growing institutional acceptance - are improving financial investment preferences. For the very first time in history, a digital possession is contending directly with physical genuine estate as a long-term store of worth.
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