Manawa manawa o ka pilikia moraki subprime
Ma waena o ʻApelila 1971 a me ʻApelila 2022, ʻo 30 mau makahiki moraki ka awelika 7,78%. No laila ʻoiai me ka FRM 30-makahiki e kolo ana ma luna o 5%, ʻoi aku ka maʻalahi o nā kumukūʻai e hoʻohālikelike ʻia me nā kumukūʻai moraki.
Eia kekahi, makemake nā mea hoʻopukapuka e kūʻai i nā moraki-backed securities (MBS) i ka wā paʻakikī o ka hoʻokele waiwai no ka mea he palekana palekana. Mālama nā kumukūʻai MBS i nā kumukūʻai moraki, a ʻo ka wikiwiki o ke kapikala i MBS i ka wā maʻi maʻi i kōkua i ka haʻahaʻa haʻahaʻa.
I ka pōkole, kuhikuhi nā mea a pau i ka piʻi ʻana o ka uku i ka makahiki 2022. No laila, mai manaʻo e iho ka uku o ka moraki i kēia makahiki. Hiki iā lākou ke iho i lalo no nā manawa pōkole, akā e ʻike paha mākou i kahi ʻano piʻi nui i nā mahina e hiki mai ana.
No ka laʻana, me ka helu ʻaiʻē o 580, hiki iā ʻoe ke ʻae wale i kahi hōʻaiʻē kākoʻo aupuni, e like me ka moraki FHA. He haʻahaʻa haʻahaʻa nā hōʻaiʻē FHA, akā ua hoʻokomo pū lākou i ka ʻinikua moraki, ʻaʻole pili i ka nui o kāu waiho ʻana.
Hāʻawi maʻamau nā moraki helu ʻokoʻa haʻahaʻa haʻahaʻa haʻahaʻa haʻahaʻa ma mua o ka moraki 30 makahiki. Eia nō naʻe, hiki ke hoʻololi ʻia kēlā mau uku ma hope o ka manawa uku paʻa mua.
Hōʻuluʻulu manaʻo o ka pilikia subprime moraki
ʻO ka ʻaiʻē moraki kekahi kumu nui o ka ʻaiʻē ʻana o nā ʻAmelika. ʻO ka ʻoihana moraki US kekahi o nā mea nui loa ma ka honua, a ʻo ka pilikia subprime moraki kaulana ʻo 2007 ua kaulana a puni ka honua. ʻO kēlā pilikia subprime i hoʻonohonoho i ke kahua a me nā kūlana i alakaʻi ai i ka haunaele kālā a me ka hoʻohaʻahaʻa hope ʻana o 2008. Ua hāʻule ka ʻaiʻē moraki koʻikoʻi ma hope o ka pilikia kālā o ka makahiki 2008, akā ua ola hou a ua piʻi mai 2013.
Ua hāʻule ka uku pānaʻi moraki ma ʻAmelika Hui Pū ʻIa i kahi haʻahaʻa haʻahaʻa i ka makahiki 2020, e ʻoi aku ka maikaʻi o ka lawe ʻana i kahi moraki i nā mea kūʻai. Ua lilo ka nui o ʻAmelika i mea nona ka home i ka makahiki 2020, ʻoiai ka maʻi maʻi, ʻo ia paha ka hopena o kēia mau moraki haʻahaʻa haʻahaʻa. Hōʻike kēia i ke koʻikoʻi o ka ʻoihana moraki no ka ʻoihana US holoʻokoʻa.
ʻO ke kōkua ʻana i ka moraki kekahi o nā hana koʻikoʻi i lawe ʻia e ke aupuni US i ka pūnāwai o 2020 e hōʻoluʻolu i ke kaumaha o ka poʻe ʻona home e loaʻa kālā ma muli o ka maʻi maʻi. Ua piʻi ka pae hana ʻole i nā kiʻekiʻe kiʻekiʻe ma muli o ka pani ʻana o ka ʻoihana nui, waiho ʻia nā mea hale he nui ʻole a paʻakikī e uku i kā lākou mau mahina. Eia nō naʻe, ʻike ʻia ka hopena o kēia ma luna o nā mea hoʻolako moraki, no ka mea, ʻaʻole lawa ka nui o ke kālā ma ka lima e pale aku ai i ka ʻino.
Nā hopena o ka pilikia subprime moraki
ʻO ka nui o nā mea hōʻaiʻē moraki e waiho no ka panakalupa i loko o kahi mau pule. Ua piha ka mākeke me ka hopohopo e pili ana i kahi pilikia hōʻaiʻē nui o ka honua, hiki ke hoʻopilikia i nā papa āpau o nā mea hōʻaiʻē. Hoʻohana nā panakō waena i nā ʻōlelo pilikia e hoʻokomo i ka wai i loko o nā mākeke kālā makaʻu. Ke hāʻule nei nā mākeke waiwai ma hope o nā makahiki o nā kiʻekiʻe kiʻekiʻe. ʻElua mau makahiki o ka hoʻopaʻa ʻana i ka makahiki ma ka hapa ʻelua o 2006 a ma 2007.
Aia mākou i kēia manawa i loko o kahi pilikia kālā i hoʻokumu ʻia i ka mākeke hale o US, kahi e hāʻule ai ka hāʻule ʻana mai ka mākeke moraki subprime maloʻo i nā mākeke hōʻaiʻē, a me nā mākeke kūʻai ʻāina a me ka honua. E heluhelu no ka ʻike hou aku e pili ana i ka hāʻule ʻana o nā mākeke i kēia manawa, a me nā mea e hiki mai ana.
He hui a hui paha i hiamoe i ka huila? ʻO ka hopena paha o ka nānā ʻole ʻana, ka manaʻo nui, a i ʻole ka ʻike ʻole? E like me ka mea maʻamau i ka wā e hele hewa ai nā mākeke kālā, ʻo ka pane paha ʻo "nā mea a pau i luna."
E hoʻomanaʻo ʻo ka mākeke a mākou e ʻike nei i kēia lā he hopena ia o ka mākeke o ʻeono makahiki i hala. E hoʻi kākou i ka hopena o ka makahiki 2001, i ka wā i hoʻomaka ai ka makaʻu i ka hoʻouka kaua hoʻoweliweli honua ma hope o 11/1990 i kahi hoʻokele waiwai e hoʻomaka nei e puka mai i ka hoʻihoʻi ʻana o ka ʻenehana i ka hopena o XNUMXs.
He aha ke kumu o ka pilikia subprime moraki
I ka makahiki 1971, aia ka uku panee ma ka waena waena o 7%, e piʻi mau ana i ka 9,19% i ka makahiki 1974. Ua emi pōkole lākou i ka waena-kiʻekiʻe 8% ma mua o ka piʻi ʻana i 11,20. 1979% i ka makahiki XNUMX. Ua loaʻa kēia i ka wā o ka piʻi nui. ua piʻi i ka hoʻomaka ʻana o nā makahiki he ʻumi e hiki mai ana.
Ma nā XNUMXs a me XNUMXs, ua hoʻoneʻe ʻia ʻo ʻAmelika Hui Pū ʻIa i loko o ka hoʻemi ʻana e ka ʻaila embargo kūʻē i ka ʻāina. Ua hoʻokumu ka Organization of the Petroleum Exporting Countries (OPEC) i ka embargo. ʻO kekahi o kāna mau hopena ʻo ka hyperinflation, ʻo ia hoʻi ka piʻi wikiwiki ʻana o ke kumukūʻai o nā waiwai a me nā lawelawe.
No ka pale ʻana i ka hyperinflation, ua hoʻonui ka Federal Reserve i nā uku uku pōkole. Ua ʻoi aku ka waiwai o ke kālā ma nā waihona mālama kālā. Ma ka ʻaoʻao ʻē aʻe, piʻi aʻe nā uku ukupanee, no laila ua piʻi pū ke kumukūʻai o ka hōʻaiʻē.
Ua hōʻea ka uku panee i ko lākou helu kiʻekiʻe loa ma ka mōʻaukala hou i ka makahiki 1981, i ka manawa he 16,63% ka awelika makahiki, e like me ka ʻikepili Freddie Mac. Ua hāʻule nā kumukūʻai paʻa mai laila, akā ua pau ka ʻumi makahiki ma kahi o 10%. ʻO nā makahiki 80 he manawa kūʻai nui e hōʻaiʻē kālā.
