Swemmer & Levin

Vredenburg & Velddrif: 022 713 2221
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Saldanha & Langebaan: 022 714 2244

Ontleed die bekostigbaarheid van SA se residensiële eiendomsmark

Suid-Afrikaners gaan voort om hul rieme styf te trek namate die druk van stygende rentekoerse, inflasie en ander wisselende ekonomiese faktore huishoudings se inkomste onder druk plaas.

Dit plaas die bekostigbaarheid van nasionale residensiële eiendom onder die soeklig.

Alhoewel (in nominale terme) nasionale huisprysinflasie positief bly (+1,9% in September 2022), is die nasionale gemiddelde koopprys onder eerstekeerhuiskopers af. Die prys van eiendomme wat deur hierdie demografiese eiendom gekoop is, het in September 2022 ’n derde agtereenvolgende daling geregistreer (met 3,5%), wat eerstekeerhuiskopers se sensitiwiteit vir rentekoersverhogings weerspieël.

Uiteensetting van die mees en minste bekostigbare streke in SA

Huisprysinflasie per streek vir die jaar tot 30 September 2022 word soos volg opgedeel:

  • Suid- en Oos-Gauteng: +7.3%
  • Oos-Kaap: +5,7%
  • Noord- en Wes-Gauteng: +1,8%
  • KwaZulu Natal: +1,4%
  • Wes-Kaap: -2.1%

 

Dit is interessant dat eiendomme in die Suid- en Oos-Rand in Gauteng steeds ’n sterk groei in pryse registreer, ten spyte daarvan dat dié streek se gemiddelde huiskoopprys die laagste is op R1 183 032. Die Wes-Kaap, aan die ander kant, het die hoogste gemiddelde koopprys in die land, maar dit is die enigste groot streek wat huisprysdeflasie rapporteer.

Ná ’n hoogtepunt in Maart 2022 op R2,05 miljoen, het die gemiddelde koopprys van eiendomme wat in die Wes-Kaap gekoop is in September tot R1,66 miljoen gedaal—met kooppryse vir die jaar tot 30 September 2022 wat ’n daling van 2,1% geregistreer het vergeleke met die dieselfde tydperk verlede jaar.

In Gauteng-Noord en -Wes is die gemiddelde koopprys van eiendomme wat vanjaar gekoop is (tot 30 September 2022) vasgepen op R1 551 273, terwyl dit in die Oos-Kaap en KwaZulu Natal op onderskeidelik R1 490 898 en R1 337 229 staan.

Ontleed die prys-tot-inkomste-verhouding in SA

Om eiendomspryse in isolasie te ondersoek, onthul net een kant van die storie, want die prys van ’n huis is nie dieselfde as die relatiewe bekostigbaarheid van ’n huis nie. Een manier om die bekostigbaarheid van huise te meet, is om na die prys-tot-inkomste-verhouding te kyk.

Hier word die nominale huisprys gedeel deur die nominale besteebare inkomste per kop. Dit beteken dat huise in ’n spesifieke streek duurder kan wees, maar inkomste kan ook hoër wees—wat dus die huise in daardie streek meer bekostigbaar maak.

In die Wes-Kaap, byvoorbeeld, toon die gemiddelde koopprys van eiendomme wat van Januarie tot September 2022 aangekoop is, vergeleke met dieselfde tydperk in 2019, ’n styging van 6,1%.

Die gemiddelde bruto inkomste van aansoekers het egter oor dieselfde tydperk met 17,5% toegeneem–wat daarop dui dat die huise wat vanjaar gekoop is, gemiddeld byna 10% meer bekostigbaar is as dié wat gedurende dieselfde tydperk in 2019 gekoop is.

Bekostigbaarheid het ook marginaal verbeter in die Gauteng-Noord en -Wes-streek, aangesien die gemiddelde inkomste van huisleningsaansoekers teen ’n effens vinniger pas as dié van die gemiddelde koopprys toeneem.

Dieselfde kan egter nie gesê word vir huise in die Oos-Kaap (waar huispryse van huise wat gekoop is gedurende die jaar tot 30 September 2022 met 18,5% gestyg het, vergeleke met dieselfde tydperk in 2019) en veral in Gauteng Suid- en Oos-Rand (volgens ‘n huisprysstyging van 21,7%).

In beide hierdie streke het hierdie styging in gekoopte huispryse die groei in gemiddelde bruto inkomste verbygesteek, wat gelei het tot ’n relatiewe agteruitgang in bekostigbaarheid in hierdie huismarkte.

Bekostigbaarheid onder eerstekeerhuiskopers per streek

Gauteng is die tuiste van die grootste persentasie (20,3%) van potensiële eerstekeerhuiskopers (meestal jong volwassenes tussen 30 en 39 jaar), terwyl die Oos-Kaap die laagste het. Regoor die streke, maar veral in die kusprovinsies, het die gemiddelde eerstekeerhuiskopers se koopprys afgeneem.

Interessant genoeg, Gauteng-Suid en Oos—waar eerstekeerkopers meer as die helfte van die aansoeke wat ontvang is uitmaak—het die laagste gemiddelde koopprys jaar tot nog toe geregistreer. Dit maak dit die tweede mees bekostigbare streek vir huiskopers, ondanks ’n effense agteruitgang in bekostigbaarheid.

Gevolgtrekking en vooruitsig

In die algemeen, ten spyte van wisselende vlakke van bekostigbaarheid regoor die land, bly die mark stabiel–en daar is steeds transaksies te kry vir diegene wat wil munt slaan uit ’n ruim uitleenomgewing en wil rondkyk deur ’n huisleningsvergelykingsdiens te gebruik.

Namate rentekoerse in 2023 begin stabiliseer, verwag ons dat aktiwiteit in die mark sal verbeter, veral onder eerstekeerhuiskopers.

OORSPRONKLIKE ENGELSE ARTIKEL GESKRYF DEUR RHYS DYER

Rhys Dyer is die hoof uitvoerende beampte van ooba Group.

Hierdie is ‘n algemene inligtingstuk en moet gevolglik nie as regs- of ander professionele advies benut word nie. Geen aanspreeklikheid kan aanvaar word vir enige foute of weglatings of enige skade of verlies wat volg uit die gebruik van enige inligting hierin vervat nie. Kontak altyd u regsadviseur vir spesifieke en toegepaste advies.

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Jan Fourie

Director |  Attorney, Notary & Conveyancer | BA. LLB

Jan graduated in 1974 with a five-year BA LLB degree from the University of Stellenbosch, whereafter he was admitted as an advocate and prosecuted as such in the Cape Town and Wynberg Courts. In 1974, he joined Swemmer & Levin as the Candidate Attorney of Mr Levin (founding member) and was admitted as an attorney on 7 April 1976, as a conveyancer on 11 January 1978, and as a Notary on 19 December 1984. Since 1974, he has served in various committees, including the West Coast Chamber of Commerce, the Vredenburg School Committee, and the Malgas Lions Club. 

Furthermore, Jan was the author of the first bilingual law book, The New Debt Collecting Procedures (Die Nuwe Skuldinvorderingsprosedures), which was used by all the Magistrate Courts throughout South Africa. With the founding of the Small Claims Court in Vredenburg, Jan served as one of the first Commissioners. He is currently based at Swemmer & Levin’s Vredenburg office and has been with our firm for more than 47 years.

Pieter Smit

Director | Attorney & Conveyancer | BA. LLB

Pieter obtained his BA Law degree from Stellenbosch University in 1995 and his LLB degree from the North-West University in Potchefstroom in 1998. He served his articles at Marais Muller Attorneys from 1998 to 1999 and was admitted as an attorney in 2000 and as a conveyancer in 2002. Pieter is the founder of PP Smit Attorneys, which opened its doors in 2004. He also became a director of Swemmer & Levin in 2006. Pieter loves the outdoors and participating in all forms of sport, including tennis, golf, fishing, spearfishing, scuba diving, and hiking. 

Johann Maree

Director | Attorney | BA. LLB

Johann matriculated at Oudtshoorn High School and attended Stellenbosch University, where he obtained his BA Law and LLB degrees. Following his studies, he worked for three years as State Prosecutor at the Magistrate’s Court in Cape Town. Johann completed his legal training with the State Attorney in Pretoria and then moved to his hometown, Oudtshoorn, where he worked as a lawyer for a year. In 1983, he finally moved to Vredenburg and joined Swemmer & Levin, where he is still practising as a director. When he is not in the office, Johann enjoys cycling and in his earlier days, he used to be a long-distance junkie.

Richard Phillips

Director | Attorney | Bcom & BProc

After matriculating at Paarl Boys’ High School, Richard completed his BCom and BProc degrees at the University of Port Elizabeth. He served his articles with Van Wyk Fouchee in Paarl and quickly developed an affinity for litigation. Richard has always had a deep love for the ocean and when he was presented with an opportunity to join Swemmer & Levin on the West Coast, he agreed without hesitation and has been with our firm since 1997. Richard specialises in general litigation and divorces. When he is not in the office or with his family, he tries to spend as much time as possible in or on the water.

Jandré Smith

Director | Attorney | LLB

Jandré grew up and matriculated in the small Klein Karoo town of Oudtshoorn. He furthered his studies at the North-West University in Potchefstroom, obtaining his LLB degree during 2015. He completed his articles at Swemmer & Levin in 2017 and was subsequently appointed as a professional assistant. In 2020, Jandré was promoted to the position of director at the firm, where he practises in the Litigation department at our Langebaan office. When not practising law, Jandré is an avid sports fan. He has a passion for nature and enjoys camping, trail running, and mountain biking with his family.

Andre van der Walt

Director | Attorney | LLB

Andre graduated in 2015 with an LLB degree from the University of Pretoria. He later went on to obtain his NQF 7 Certificate in the Administration of Deceased Estates from the University of South Africa, which allowed him to further his career in deceased estates and the drafting of wills and trusts. Andre served his articles at Barnard & Patel Attorneys under the supervision of Mr YAS Patel. After being admitted as an attorney in 2016, he continued working at Barnard & Patel Attorneys as a professional assistant in the deceased estates department.

Andre joined Van Rensburg Attorneys in 2019 and was head of the deceased estates department until 2021. He then received the opportunity to move to the West Coast, where he joined Swemmer & Levin Attorneys. Andre loves travelling and enjoys the beauty that our country has to offer with his friends, family, and loved ones.

Harmann Potgieter

Attorney | LLB

Harmann graduated in 2018 with an LLB degree from the North-West University’s Potchefstroom Campus. He went on to study and grow in various fields, including doing a course on the Consumer Protection Act and a course at the University of South Africa where he obtained his NQF 7 Certificate in the Administration of Deceased Estates.

Harmann completed his articles of clerkship at Swemmer & Levin under the supervision of Mr Richard Phillips. After being admitted as an attorney in 2020, Harmann continued with Swemmer & Levin as a professional assistant in the deceased estates department as well as the litigation department. He loves to study, possesses a deep curiosity about the world, and is dedicated to giving back to the community.

Carla Cloete

Attorney, Conveyancer & Notary | LLB

Carla obtained her LLB at the North West University, Potchefstroom Campus in 2015. She completed her articles in 2017 with Brits Dreyer Inc in Bellville. She is an admitted Attorney, Notary and Conveyancer. After her articles she relocated to Kimberley where she worked as a professional assistant in the Conveyancing department of Van de Wall Inc. Coming back to her Western Cape roots, she now joins the Swemmer & Levin team as a professional assistant.