Vatengi vepakati-kirasi vari kuwedzera mutengo muBay Area
Asiri-mabhangi akatanga inenge hafu yezvikwereti zvese muna 2016, uye 75% yeFHA- kana VA-insured mortgages. Zvikamu zviviri izvi zvakakwira zvakanyanya kupfuura zvakaonekwa chero panguva ipi zvayo makore ekuma 2000. Mubepa rino, tinotsanangura kuti makambani asiri emubhanga anokwereta ari panjodzi yekushomeka kwemari mumabasa avo ekutanga echikwereti pamwe nekuita sevhisi, uye magwaro ekuti chikamu ichi chose chinoratidzika kunge chine. zviwanikwa zvishoma zvekutarisana nemamiriro ekushushikana. Isu tinoratidza kuti aya matambudziko emari akafanana akaitika sei panguva yedambudziko remari, zvichikonzera kutadza kwemafemu mazhinji asiri emabhangi, kukumbira rubatsiro rwehurumende, uye kukuvadzwa kwevatengi. Chikamu chakanyanya chevasiri vekubhangi muzvikwereti zveFHA neVA chinoratidza kuti kukundikana kwebhangi kusiri kwebhangi kunogona kudhurira hurumende, asi nyaya iyi haina kutariswa mugakava rekugadzirisa dzimba.
Vanyori havana kuwana rubatsiro rwemari kubva kune chero kambani kana munhu pakugadzirisa gwaro iri, kana kubva kune chero kambani kana munhu ane zvemari kana zvematongerwo enyika. Parizvino havazi maofficial, madhairekitori kana nhengo dzebhodhi revatungamiriri vechero sangano rine chido negwaro iri. Kuti kuve nechokwadi chekuvanzika kwemabhanga ega ega, iyo Supervision and Regulation Division yeFederal Reserve Board yakaongorora zvikamu zvakakosha zvegwaro iri risati ragoverwa. Kuongorora uye mhedziso dzakatarwa ndedzevanyori uye hazviratidzi kuti Federal Reserve Board kana dzimwe nhengo dzevashandi vayo vanobvumirana navo.
3 chokwadi pamusoro pekutenga imba mune trust
Kuve wakagadzirira kubhadhara mari kunogona kukupa mupendero nevatengesi vanoshuvira kuvhara dhiri, asi zvinogona zvakare kukubatsira nevatengesi mumisika yezvivakwa uko inventory yakaoma uye mabidhi anogona kunge achikwikwidza pfuma.
Nhanho yekutanga yekutenga imba nemari, hongu, kuiwana. Kunze kwekunge uine mari yakawanda kudaro mubhangi, ungangoda kubvisa mamwe mainvestimenti uye woendesa mari yacho kuaccount yako yekubhangi. Ramba uchifunga kuti kutengesa zvibatiso zvawakaita purofiti pazviri kuchaita kuti ubhadhare mutero wekuwana mari.
1. Iwe uri mutengi anoyevedza. Mutengesi anoziva kuti hausi kuronga kunyorera imba yemba anogona kukutora zvakanyanya. Maitiro ekukweretesa anogona kutora nguva, uye panogara paine mukana wekuti munyoreri arambwe, dhiri rinopera, uye mutengesi achafanira kutanga patsva, anodaro Mari Adam, murongi wezvemari akasimbiswa muBoca Raton, Florida.
2. Unogona kuwana dhiri iri nani. Sezvo mari ichikuita iwe mutengi anoyevedza, zvakare inoisa iwe munzvimbo iri nani yekutengeserana. Kunyangwe vatengesi vasina kumbonzwa mutsara wekuti "nguva kukosha kwemari" vanonzwisisa kuti nekukurumidza ivo vanogamuchira mari yavo, nekukurumidza ivo vanogona kuiisa kana kuiisa kune imwe kushandiswa.
Kutenga zvivakwa ne$100 chete: REITs vs. Rental Property
Securitization inzira iyo anopa mari kugadzira chiridzwa chemari chinotengeswa nekubatanidza kana kuunganidza zvakasiyana siyana zvemari muboka rimwe. Anopa anozotengesa dziva iri rezvinhu zvakadzokororwa kune vanoisa mari. Securitization inopa mikana kune vanoisa mari uye inosunungura mari kune vanotanga, iyo inosimudzira liquidity mumusika.
Nekudaro, kuchengetedzwa kunoitika kazhinji nezvikwereti uye zvimwe zvinhu zvinoburitsa zvinogamuchirwa, semhando dzakasiyana dzemutengi kana chikwereti chekutengesa. Zvinogona kusanganisira kubatanidzwa kwezvikwereti zvekondirakiti, zvakadai sezvikwereti zvemotokari uye zvisungo zvekadhi rechikwereti.
Mukuchengetedza, kambani ine midziyo - inozivikanwa seyekutanga - inounganidza data pamidziyo yainoshuvira kubvisa kubva mumapepa ayo ane hukama. Semuenzaniso, dai wanga uri bhangi, waigona kuita izvi nenhevedzano yezvikwereti zvemba uye zvikwereti zvemunhu zvausingachada kushandira. Iri boka remidziyo yakabatanidzwa rave kuonekwa sebhenji. Muvambi anobva atengesa portfolio kune anoburitsa uyo anozogadzira securities zvinotengeswa. Securities yakagadzirwa inomiririra chikamu chemidziyo yeportfolio. Vagadziri vemari vanotenga masecurities akagadzirwa mukutsinhana neimwe chiyero chekudzoka.
Zvinoratidzwa neRobinhood liquidity dambudziko nezve
Abstract Mhedzisiro yechikwereti chemumba pazvisarudzo zvekutengesa kwavo dzimba zvinodzidzwa mune inochinja-chinja yekuenzanisa modhi nekutsvaga mumusika wedzimba uye kwenguva refu isingabhadharwe mbanje. Mukuenzana, zvese mutengo wekutengesa uye nguva yekutengesa inowedzera nehukuru hwakaenzana hwezvikwereti zvasara. Nekudaro, iyo liquidity yemusika wedzimba inoenderana nenguva yekutengesa inotaridza mwero wembande yevakwikwidzi vanokweretesa, inoyerwa nehuwandu hwechikwereti-ku-value (LTV) reshiyo inopihwa pakutanga. Yakarongedzerwa hupfumi hweUS, iyo modhi inogadzira, sezvakacherechedzwa, kuwirirana kwakanaka nekufamba kwenguva pakati pemitengo yemba neLTVs panguva yekubatanidzwa uye pakati pevatengesi pakati pemitengo yekutengesa, nguva yekutengesa uye yakamirira LTV.
