Fannie Mae Kuferefeta: Accounting Irregularities mu
Kubva pachibvumirano ichi, Gallego & Rivas yakazvipira kudzidza, mahara, zvinyorwa zvevaridzi vanogona kukanganiswa ne "floor clause" muzvikwereti zvavo. Pakupera kwechinyorwa chino, tichatsanangura kuti avo vakabatwa vanogona sei kuwana iyi sevhisi.
Chekutanga pane zvese: Chii chinonzi "floor clause"? Mortgage inonzi ine "floor clause" kana, mune inosiyana mubereko wemondi, pane clause muMortgage Loan Deed iyo inosimbisa kuti mhindu pane iyi mortgage haigone kuva shoma pane imwe chikumbaridzo.
Mune mamwe mazwi, muchiitiko ichi, chikwereti chechikwereti hachikwanisi kubatsirwa kubva kune yakaderera mubereko uye kubva pamadonhwe anotevedzana anogona kuitika, sezvo mubereko wepasi "wakavharirwa mukati" uye hapana mubereko wakaiswa pazasi payo unogona kushandiswa. mu "floor clause". Kwemakore akati wandei, mwero wemubereko weEuribor wanga wakadzikira uye zvirevo izvi zvakamiririra kurasikirwa kukuru kune vatengi vazhinji.
Dare Repamusorosoro rinokwidza nyaya yekusagadzikana kwehupfumi iyo inogona kumiririra kumabhanga kudzoserwa kwemari yakabhadharwa zvisina kufanira kune vatengi Chivabvu 9, 2013 isati yasvika, tichifunga kuti kune zviuru zvezvikwereti zvakakanganiswa ne "floor clause" , mabhanga aizomanikidzwa kudzorera mabhiriyoni emaeuro kuvatengi vavo.
ZVIREVO ZVIREVO, ZVAKAZARA UYE ZVAKAWANDA – Grammar
Nzira yekutora chikamu chepasiChikamu chepasi pasina mubvunzo ndeimwe yemashoko anozivikanwa ebhangi nhasi, uye haisi yezvishoma, asi isu tinoziva chaizvo kuti chii? Zviri nyore here kuziva kana chikwereti chedu chine rudzi urwu rwechirevo? Tingaite sei kuti tidzoserwe mari yatakabhadhara panguva ino? Zvadaro, tichaedza kugadzirisa kusava nechokwadi kwose uku.
Ngatitangei nekutsanangura kuti floor clause chii, inova ndiyo inotemesa mari shoma pamari yedu yembande, kureva kuti tinofanira kubhadhara mari shoma iyoyo, kunyangwe indekisi yayakabatanidzwa nayo iri shoma zvikuru. Nekudaro, zvakapesana hazviitike sezvo pasina muganho wepamusoro kana iyo index pachayo inowedzera exponentially.
The extrajudicial nzira ndeyekuda mari iyo bhanga ine chikwereti kwatiri, kusvika pachibvumirano uye kugumisa kunetsana. Zvisinei, kunyange zvazvo mhinduro iyi ichiita seine musoro uye ine musoro, inenge isina kumbobvira yaitwa zvinobudirira sezvo mabhanga asingawanzo kudzorera mari kunze kwekunge paine mutsara unoiraira.
Uye kune rumwe rutivi, nzira yekutonga, iyo inonyanya kuoma uye yakaoma kune munhu, asi iyo inoshuma chikamu chepamusoro chekubudirira kubva, mushure mekutonga kwakawanda kweDare reMercantile uye, pamusoro pezvose, mutongo weDare Repamusorosoro. yaMay 9, 2013 (iyo yakazivisa kuti zvikamu zvepasi hazvina maturo), mitsara yacho inonyanya kufarirwa.
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Iwe unogona kuwana iyo yepasi clause (Clausula Suelo) muchikwereti chako chechikwereti. MuchiSpanish, gwaro iri rinonzi "Deed of Mortgage Loan". Gwaro racho rakasainwa pamberi peruzhinji rwenyanzvi panguva imwe cheteyo yakatengwa imba.
Kana gwaro remba remba rikasainwa pamberi pemunyori, bhangi rinoenda naro kune registry yezvivakwa kuti rinyorese. Kana gwaro rechikwereti ranyoreswa, bhangi rinorigamuchira uye rinofanira kutorwa nemutengi kana gweta rake.
Iwe unogona kuwana runyoro rwemari yakabhadharwa kubva pawakasaina chikwereti chebhangi pawebhusaiti yebhangi kana kubazi raunenge uine chikwereti. Kana mubereko wadzikira uye chikwereti chako chemba chisati, unogona kunge une clause yemortgage floor.
Iwe unofanirwa kuendesa fomu kubhangi rako nekopi yegwaro remba uye risiti ichangoburwa inosimbisa kubhadhara kwemwedzi nemwedzi. Mukuwedzera, iwe unogona kuendesa fungidziro ye overpayments. Bhengi haifanirwe kukupindura, asi inowanzopindura kune vatengi vayo nekubvumidza kana kuramba chikumbiro. Kana bhangi rikasadzima chikamu chepasi chemumba uye kudzorera mari yawabhadhara yakawandisa, unofanirwa kutanga kukumbira zviri pamutemo.
Iyo Minnesota House of Representatives inopa basa rakawanda uye mutemo webhizinesi
Floor clause chirevo chakadzikwa mukusiyana-siyana-yemwero yezvikwereti zvembavha inodzikamisa kusiyanisa kweiyo mari yakabvumiranwa. Semuyenzaniso, kana uine chikwereti chakasiyana chemubereko chakavakirwa paEURIBOR pamwe ne1% uye bhangi rinoisa chisungo chinoisa hudiki hwemubereko huchabhadharwa newe pa3%. Nhasi, EURIBOR iri pazasi 0%, saka iwe unofanirwa kubhadhara 1% pachikwereti chako chemba, asi nekuda kwemuganho wakagadzwa muchikamu chepasi, muyero wepasi wauchabhadhara uchave 3%, izvo zvisingaite sezvisina kunaka zvachose, Ndizvo here?
Zvikwereti zvakawanda zvemortgage muSpain zvakasiyana siyana zvemortgage zvikwereti. Uye zvizhinji zvezvikwereti izvi zvakavakirwa pachiyero cheEURIBOR. Uye zvizhinji zvezvikwereti izvi zvakaitwa mu real estate boom iyo yakazoputika muna 2008.
Kana iyo Floor Clause ichishungurudza, izvi hazvigone kukanganisa mutengi chero nzira. Izvi zvinoreva kuti chikwereti chichashanda sekunge chikamu chepasi chakanga chisina kushandiswa kubva pakutanga. Zvinoreva kuti chirevo chepasi hachina kumbovapo nekuti hachina basa kubva pazuva rekutanga.
