Fannie Mae Management News
Fannie Mae naFreddie Mac vari kuita kuchengetedzwa kuchengetedza nekuchengetedza midziyo yavo nezvivakwa uye kudzoreredza mamiriro avo emari kuitira kuti varambe vachizadzisa chinangwa chavo chekusimudzira mari uye kushanda zvakanaka mumisika yemari yedzimba yeUS.
Treasury uye Federal Reserve Purchase Zvirongwa zveGSE uye Mortgage-Inoenderana Chengetedzo - Dhata pamusoro pezviitiko zveDhipatimendi rePfuma uye Federal Reserve System kutsigira misika yemumba kuburikidza nekutenga kwezvibatiso zvakapihwa naFannie Mae, Freddie Mac uye Federal Home Loan Banks. , pamwe chete naGinnie Mae, sangano rehurumende rinovimbisa zvikwereti zvinotsigirwa neinishuwarenzi kana kuvimbiswa neFederal Housing Administration, Dhipatimendi reVeterans Affairs, nemamwe masangano ehurumende.
Single Security Initiative uye Yakajairwa Securitization Platform - chinongedzo kuruzivo uye ruzhinji rwevanhu pane iyo Makambani 'inotarisirwa yakajairika mortgage-backed chengetedzo, inodaidzwa kuti Uniform Mortgage-Backed Chengetedzo, uye nyowani securitization zvivakwa zvinotsigira zviitiko zvekuchengetedza zvemhuri imwechete-yemba yembavha Makambani.
GSE kuchengetedza nguva
Muchengeti (Conservator) munhu anogadzwa nedare kuti aite akamiririra munhu akaremara mupfungwa kana mumuviri, kana mumwe munhu ari mudiki zvakanyanya kana asingakwanise kuzviitira. Muchengeti anowanzo tarisira zvinhu zvemunhu uyu zvine chekuita nemidziyo nemari kwete zvemunhu.
Mumwe munhu akatsunga kuda muchengeti kana munhu iyeye achionekwa seasingakwanisi kana kuti anorwara nepfungwa. Izvi zvinogona kusanganisira munhu ari kuda kuzviuraya, ane dementia, kana asingawanzo kuita sarudzo. Inogonawo kusanganisira munhu akaremara mumuviri nekuda kwehurwere, kukuvara, kana mamiriro epfungwa.
Muenzaniso wemamiriro ezvinhu apo muchengeti angadiwa angave kana munhu asina mhuri yepedyo akaonekwa kuti ane dementia kana chimwe chirwere chinoita kuti vatadze kuita sarudzo dzakanaka.
FHFA 2022 Dashboard
Imwe yezvisarudzo zvakakosha zvemari inogona kuitwa nemuchengeti kutengesa imba yemuchengetedzi. Izvi zvinogona kudiwa nekuda kwezvikonzero zvakati wandei, zvinosanganisira: muchengeti haachagari mumba uye haadzoke, kana mari yakawanda inodiwa munzvimbo yekuchengetedza kuchengetedza mabhiriro emuchengetedzi, kana imba kurasikirwa kune midziyo. weConservatorship mune zvese.
Kuisa chivako pamusika, muchengeti anofanira kutanga awana dare redzimhosva. Nokudaro, muchengeti anofanira kuisa chikumbiro chekutengeswa kweimba yacho uye ataure muchidimbu chokwadi chekuti sei kutengeswa kweimba chaiyo kune zvakanakisisa zvemuchengeti. Pakusvitsa chikumbiro, dare richaronga kunzwa. Pashure pokunge kunzwa kwapera, kana dare rikabvuma kuti pfuma chaiyo inofanira kutengeswa, murairo uchapinzwa unoratidzira pfuma chaiyo inofanira kutengeswa. Muchengeti anozove neanosvika gore kubva pazuva rekuraira kuti atengese chivakwa pakutengesa wega.
Reverse Mortgage Masimba eGweta
Conservatorship muchengeti anorairwa nedare anotora nyaya dzemari kana dzemunhu kana asingakwanisi kuzvichengeta. A conservatorship inowanzodiwa kana munhu mukuru akaremara (anonzi "curate") asina hurongwa hwakakodzera hweimba, kureva kuti, havana kusaina simba regweta kuti vagadze mumiririri kuti aite panzvimbo yavo. Mune zvimwe zviitiko, dare reCalifornia rinosarudza "muchengeti weruzhinji" kuti aite semuchengeti kana pasina mumwe anokodzera uye aripo.
Basa rakakosha remuchengeti kana mumiririri kuchengetedza midziyo yevakuru vakaremara. Pazasi pane muenzaniso wenyaya ichangoburwa kubva kuCalifornia. Uyu muenzaniso chete uye haufanirwe kutorwa sechirevo chakazara cheCalifornia mutemo pachinhu ichi.
Muna 2015, Los Angeles County yakakumbira mutongi wedare kuti atange kuchengetedza murume ane makore makumi manomwe neshanu ane dementia. Paiva noufakazi hwokuti akanga asingakwanisi kutarisira nhau dzake dzemari; kunyanya, imba yokuroja yaaive nayo yakanga yaparara. Mutongi akabvuma kuti huchengetedzi hwaive hwakanakira murume uye akagadza Hofisi yePublic Guardian's County kuti ishande semuchengeti.
