Iindaba zoLawulo lukaFannie Mae
UFannie Mae kunye noFreddie Mac baphantsi kogcino lokulondoloza nokugcina ii-asethi neepropati zabo kunye nokubuyisela imeko yabo yezemali ephilileyo ukuze bakwazi ukuqhubeka nokuzalisekisa ubizo lwabo olusemthethweni lokukhuthaza ukuhlawula kunye nokusebenza kakuhle kwiimarike zezemali zezindlu zase-US.
I-Treasury kunye ne-Federal Reserve Purchase Programs kwi-GSE kunye ne-Mortgage-Related Securities - Idatha kwimisebenzi yeSebe le-Treasury kunye ne-Federal Reserve System ukuxhasa iimarike zorhwebo ngokuthengwa kwee-securities ezikhutshwe nguFannie Mae, uFreddie Mac kunye ne-Federal Home Loan Banks. , kunye noGinnie Mae, i-arhente ye-federal eqinisekisa i-mortgage-backed securities insured okanye iqinisekiswe yi-Federal Housing Administration, iSebe leMicimbi yamagqala, kunye nezinye ii-arhente zaseburhulumenteni.
Inyathelo loKhuseleko oluNye kunye nePlatifomu yoKhuseleko oluQhelekileyo - ikhonkco kulwazi kunye negalelo likawonke-wonke kukhuseleko olulindelekileyo lweNkampani, oluya kubizwa ngokuba nguKhuseleko oluBaselweyo lwe-Mortgage-Backed Security, kunye nesiseko esitsha sokhuseleko esixhasa imisebenzi yokhuseleko lwemali mboleko yosapho olunye. Iinkampani.
Ixesha lokugada le-GSE
Umlondolozi ngumntu oqeshwe yinkundla ukuba asebenze egameni lomntu okhubazekileyo ngokwasengqondweni okanye ngokwasemzimbeni, okanye umntu oselula kakhulu okanye ongakwaziyo ukuzenzela izinto. Umlondolozi ngokuqhelekileyo wongamela imicimbi yalo mntu enento yokwenza nepropati kunye nemali kungekhona imicimbi yobuqu.
Umntu othile uzimisele ukufuna umntu ogcina indalo ukuba loo mntu ugqalwa njengongenakukwazi ukwenza nto okanye ugula ngengqondo. Oku kunokubandakanya umntu ofuna ukuzibulala, onesifo sengqondo esiyingozi, okanye ongakwaziyo ukwenza izigqibo ngokubanzi. Isenokubandakanya umntu okhubazekileyo ngokwasemzimbeni ngenxa yokugula, ukwenzakala, okanye imeko yengqondo.
Umzekelo wemeko apho unokufuneka umlondolozi unokuba kuxa umntu ongenalo usapho olusondeleyo ufunyaniswa enesifo sengqondo esiyingozi okanye esinye isigulo esibenza bangakwazi ukwenza izigqibo ezifanelekileyo.
FHFA 2022 Dashboard
Esinye sezona zigqibo zemali zibalulekileyo anokuthi azenze kukuthengisa ikhaya lomlondolozi. Oku kunokuba yimfuneko ngenxa yezizathu ezininzi, ezibandakanya: umlondolozi akasahlali kwikhaya kwaye akasayi kubuya, okanye imali eninzi yokuhlawula amatyala iyafuneka kwindawo yogcino-mali ukuze kuhlawulwe iindleko ze-conservatee, okanye ikhaya yilahleko kwii-asethi. yolondolozo jikelele.
Ukubeka ipropati emarikeni, umlondolozi kufuneka aqale afumane umyalelo wenkundla. Ngoko ke, umgcini-mgcini kufuneka afake isikhalazo sokuthengiswa kwepropati kwaye achaze ngokufutshane iinyani zokuba kutheni ukuthengiswa kwepropati yokwenene kunomdla kwi-conservatee. Ekufakweni kwesikhalazo, inkundla iya kucwangcisa ukuva. Emva kokuba udliwano-ndlebe luphelile, ukuba inkundla iyavuma ukuba ipropati yokwenene ifanele ithengiswe, kuya kufakwa umyalelo ochaza ipropati yokwenene eza kuthengiswa. Umlondolozi uya kuba nako ukuya kutsho kunyaka omnye ukusuka kumhla womyalelo wokuthengisa ipropati kwintengiso yabucala.
UReverse Mortgage Amandla eGqwetha
I-Conservatorship ngumgcini oyalelwe yinkundla othatha imicimbi yomntu yemali okanye yobuqu ukuba akakwazi ukuzinakekela. I-Conservatorship isoloko iyimfuneko xa umntu omdala okhubazekileyo (obizwa ngokuba yi "curate") akanalo isicwangciso esifanelekileyo sezindlu, oko kukuthi, abazange basayine amandla ommeli ukuba amisele i-arhente ukuba isebenze egameni labo. Kwezinye iimeko, inkundla yaseKhalifoniya yonyula "umgcini woluntu" ukuba asebenze njengomgcini ukuba akukho mntu ufanelekileyo kwaye okhoyo okhoyo.
Indima engundoqo yomlondolozi okanye i-arhente kukukhusela ii-asethi zomntu omdala okhubazekileyo. Ngezantsi ngumzekelo wetyala lamva nje elivela eCalifornia. Lo ngumzekelo kuphela kwaye akufanele uthathwe njengengxelo epheleleyo yomthetho waseCalifornia kulo mbandela.
Ngo-2015, i-Los Angeles County yacela ijaji ye-probate ukuba iseke indawo yokulondoloza indoda eneminyaka engama-75 enesifo sengqondo esiyingozi. Kwakukho ubungqina bokuba wayengenakukwazi ukulawula imicimbi yakhe yemali; ngokukodwa, indawo yokurenta awayenayo iye yatshatyalaliswa. Ijaji yavuma ukuba ukugada kwakusemdleni wendoda yaze yamisela iOfisi yoMgcini woluntu wesithili ukuba isebenze njengomgcini.
