Abathengi abakumgangatho ophakathi bafumana ixabiso eliphezulu kwi-Bay Area
Non-iibhanki yavela phantse isiqingatha zonke mboleko-mboleko kwi-2016, kunye ne-75% ye-FHA- okanye i-VA-insured mortgages. Zombini ezi pesenti ziphezulu kakhulu kunezo zibonwa nangaliphi na ixesha kwiminyaka yoo-2000. Kweli phepha, sichaza indlela iinkampani ezibolekisa ngemali ezingeyobhanki ezinokuthi zibe sesichengeni kuxinzelelo lwemali mboleko kuyo yomibini imvelaphi yazo yemali-mboleko kunye nokunikezela ngeenkonzo, kunye noxwebhu elibonakala ngathi eli candelo lilonke linabo. izixhobo ezincinci zokujongana nemeko yoxinzelelo. Sibonisa indlela ezi ngxaki zifanayo zokungabi namali yokuhlawula amatyala ezenzeka ngexesha lobunzima bezemali, nto leyo ekhokelele ekusileleni kweefemu ezininzi ezingezizo ezebhanki, isicelo soncedo lukarhulumente, kunye nokwenzakala kwabathengi. Umlinganiselo ophezulu kakhulu wababolekisi abangengabo ebhankini kwi-FHA kunye ne-VA mboleko icebisa ukuba ukungaphumeleli kwe-non-bank kunokuba yindleko enkulu kurhulumente, kodwa lo mba ufumene ingqwalasela encinci kwingxoxo yohlaziyo lwezindlu.
Ababhali abafumananga inkxaso yemali kuyo nayiphi na inkampani okanye umntu ukulungiselela olu xwebhu, okanye kuyo nayiphi na inkampani okanye umntu onomdla wemali okanye wezopolitiko kuwo. Ngoku ayingomagosa, abalawuli okanye amalungu ebhodi yabalawuli bawo nawuphi na umbutho onomdla kolu xwebhu. Ukuze kuqinisekiswe ubumfihlo beebhanki zomntu ngamnye, iCandelo loLawulo kunye noLawulo lweBhodi ye-Federal Reserve lihlolisise iinxalenye ezifanelekileyo zolu xwebhu ngaphambi kokusasazwa. Uhlalutyo kunye nezigqibo ezichazwe ngababhali kwaye azibonisi ukuba iBhodi ye-Federal Reserve okanye amanye amalungu abasebenzi bayo bayavumelana nabo.
Iinyaniso ezi-3 malunga nokuthenga indlu kwi-trust
Ukulungela ukuhlawula imali kunokukunika umda kunye nabathengisi abanomdla abazimisele ukuvala isivumelwano, kodwa kunokukunceda nabathengisi kwiimarike zezindlu ezithengiswayo apho uluhlu lwempahla luqinile kwaye abaxhasi banokuthi bakhuphisane nepropati.
Inyathelo lokuqala lokuthenga indlu ngemali, ewe, kukufumana. Ngaphandle kokuba unemali engako ebhankini, kungafuneka uphelise olunye utyalo-mali kwaye ugqithisele kwiakhawunti yakho yebhanki. Gcina ukhumbula ukuba ukuthengisa izibambiso ozenzele inzuzo kuzo kuya kubangela ukuba uhlawule irhafu yenzuzo enkulu.
1. Ungumthengi onomtsalane ngakumbi. Umthengisi owaziyo ukuba awucwangcisi ukufaka isicelo semali mboleko uya kukuthatha ngokungathí sina. Inkqubo yokubolekwa kwezindlu inokutya ixesha, kwaye kusoloko kukho ithuba lokuba umenzi-sicelo uya kwaliwa, isivumelwano siya kuwela, kwaye umthengisi kuya kufuneka aqale phantsi, utsho uMari Adam, umcwangcisi wezezimali oqinisekisiweyo eBoca Raton, eFlorida.
2. Ungafumana isivumelwano esingcono. Kanye njengokuba imali ikwenza ube ngumthengi onomtsalane ngakumbi, ikwakubeka kwindawo engcono yothethathethwano. Nabathengisi abangazange beve ibinzana elithi "ixabiso lexesha lemali" baya kuqonda ngokucacileyo ukuba ngokukhawuleza bafumana imali yabo, ngokukhawuleza banokuyityala okanye bayisebenzise kwenye indawo.
Ukuthenga umhlaba nge-100 yeedola nje: ii-REITs vs
Ukhuseleko yinkqubo apho umniki-nkonzo ayila isixhobo semali esinokuthengiswa ngokudibanisa okanye ukwahlula ii-asethi zemali ezahlukeneyo zibe liqela elinye. Umniki ke uthengisa le pool yempahla epakishwe ngokutsha kubatyali-mali. I-Securitization ibonelela ngamathuba kubatyali-zimali kwaye ikhulula inkunzi kubaqalayo, nto leyo ekhuthaza ukuthengiswa kwemali kwimarike.
Nangona kunjalo, ukhuseleko lwenzeka rhoqo ngeemali-mboleko kunye nezinye ii-asethi ezivelisa izinto ezifunyenweyo, ezifana neentlobo ezahlukeneyo zamatyala omthengi okanye orhwebo. Isenokubandakanya ukudityaniswa kwamatyala ekhontrakthi, afana neemali-mboleko zemoto kunye nezibophelelo zekhadi letyala.
Kwi-securitization, inkampani engumnini-asethi - eyaziwa ngokuba ngumsunguli - iqokelela idatha kwii-asethi enqwenela ukuzisusa kumaphepha ayo ahambelanayo. Umzekelo, ukuba ubuyibhanki, ungakwenza oku ngothotho lwemali mboleko kunye neemali mboleko zomntu ongasafuniyo ukuzisebenzisa. Eli qela lee-asethi ezidityanisiweyo ngoku lithathwa njengepotfoliyo yomlinganiselo. Umsunguli emva koko uthengise ipotfoliyo kumntu okhuphayo oya kudala izibambiso ezithengiswayo. Izibambiso ezenziweyo zimele isabelo seeasethi zepotfoliyo. Abatyalomali baya kuthenga izibambiso ezenziweyo ngokutshintshiselana ngezinga elithile lembuyekezo.
Yintoni etyhilwa yingxaki yeRobinhood yemali yemali malunga ne
AbstractIziphumo zamatyala asekhaya kwizigqibo zokuthengisa izindlu zifundwa kwimodeli eguquguqukayo yokulinganisa kunye nokukhangela kwimarike yezindlu kunye neemali mboleko zexesha elide ezingahlawulekiyo. Kwi-equilibrium, zombini ixabiso lokuthengisa kunye nexesha lokuthengisa linyuka kunye nobukhulu obunxulumene ne-mortgages eseleyo. Kolunye uhlangothi, ubungakanani bemalike yemalike yezindlu eyayanyaniswa nexesha lentengiso imisela imigangatho yemali-mboleko yababolekisi-mali abakhuphisanayo, elinganiswa ngomlinganiselo wemali-mboleko-kwixabiso eliphezulu (LTV) obonelelwe ekuqaleni. Ilinganiswe kuqoqosho lwase-US, imodeli ivelisa, njengoko kuphawuliwe, ulungelelwaniso oluhle ngexesha phakathi kwamaxabiso ezindlu kunye nee-LTV ngexesha lokufakwa kunye naphakathi kwabathengisi phakathi kwamaxabiso okuthengisa, ixesha lokuthengisa kunye ne-LTV elindileyo.
