US amazinga mortgage kurhwebo uqoqosho
TodoNoticiasActualidadAbolition of the 30-year fixed-standing-standing-rate-By 4 Min ReadMarkopolos ifuna intywenka ye-BNY denunciationIfayile phantsi “kwemibono yeRiphabhlikhi eneneni ilungile”:iCongressional Democrats ihlala izibophelele ngokuqinileyo kwi-30-year-standard-standing-lease loan, ekhusela kubaninimzi ukunyuka kwamaxabiso enzala. Kodwa abanye abantu baseRiphabhlikhi, abafuna ukunciphisa indima karhulumente kwimarike yezindlu, banokuthandabuza okukhulayo malunga nemveliso yemali mboleko exhaswa ngumhlawuli werhafu.
Ngethuba leKomiti yeBhanki ye-Senate ngoLwesine, iRiphabhlikhi ephezulu yephaneli, uSen Richard Shelby, wabuza uluhlu lwemibuzo abagxeki be-30-year fixed-rate-mortgage baye bagxininisa ixesha elide.
“Zeziphi iziphumo ebezingalindelekanga ezidalwe ngokuxhasa ngemali-mboleko yeminyaka engama-30 yemali-mboleko emiselweyo? Kwaye isibonelelo sale mveliso sele sihlawule umhlawuli werhafu waseMelika? " Wabuza uShelby. "Kufuneka siyijonge ngamandla le mveliso kwaye siqinisekise ukuba ixabiso elikhethekileyo elivela kwezi nkxaso-mali lidala okulungileyo kuluntu." …
Amazinga okuthenga ngezindlu ngo-2005
Ininzi yababolekisi bemali mboleko yemali yokuboleka imali kwisithuba seeveki. Imakethi igcwele iinkxalabo malunga nokudodobala kwamatyala kwihlabathi jikelele, okunokuchaphazela zonke iindidi zababoleki. Iibhanki ezingoovimba zisebenzisa amagatya exesha likaxakeka ukufaka imali yokuhlawula amatyala kwiimarike zezimali ezothukileyo. Iimakethi zezindlu nezindlu ziye ziwohloke emva kweminyaka yeerekhodi eziphezulu. Amazinga athinjwa aphindwe kabini enyakeni kwisiqingatha sesibini sika-2006 nango-2007.
Sithetha nje siphakathi kwengxaki yezemali egxile kwimakethi yezindlu yase-US, apho ukuwa kwemarike yemali-mboleko ye-subprime enomkhenkce kuphalala kwiimarike zamatyala kunye neemarike zezabelo zelizwe nezehlabathi. Funda ukuze ufumane ngakumbi malunga nokuba ziwe njani na iimarike ukuza kuthi ga ngoku, kwaye yintoni enokuthi ilale ngaphambili.
Ngaba liqela okanye inkampani elele isondo? Ngaba ngumphumo wokongamela okuncinane kakhulu, ukubawa kakhulu, okanye kukuswela ukuqonda? Njengoko kudla ngokuba njalo xa iimarike zemali zihamba kakubi, impendulo mhlawumbi "zonke ezi ngasentla."
Khumbula ukuba imakethi esiyibonayo namhlanje yimveliso ephuma kwimarike kwiminyaka emithandathu eyadlulayo. Masibuyele emva ekupheleni kuka-2001, xa uloyiko lohlaselo lwabanqolobi behlabathi emva kwe-11/1990 luqhubela phambili uqoqosho olusele lutsala nzima oluqala ukuvela kukudodobala koqoqosho olubangelwa ngamaqamza eteknoloji ngasekupheleni kweminyaka yoo-XNUMX.
Inzala ye-1970s
Eli lelona nqanaba liphezulu ukususela ekupheleni kukaMeyi 2002, xa inzala kwimali-mboleko yeminyaka engama-30 yayimi kwi-6,76 ekhulwini, ngokutsho kweFreddie Mac Mortgage Survey. .
Ulindelo lwabatyali-mali ukuba i-Fed iya kuphakamisa inzala yexesha elifutshane kamva kule nyanga kwaye mhlawumbi unyaka wonke "inyuse amaxabiso e-mortgage aphezulu kule veki," kusho uNothaft kwingxelo.
Amabali aphambili7 izinto ozaziyo phambi kokuba i-bellSoftBank kunye neToyota zifune iimoto eziziqhubayo ukuba zitshintshe umhlaba.
Igrafu yenzala yemali-mboleko e-US.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye neekhatyhuleyitha zemali, ukupapasha umxholo wokuqala nongakhethi cala, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
