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Kuongorora Zvikwereti zveAgency uye Kutevedzera Zvikwereti muUS Mortgage Market
Paunenge uchinyura mumusika wekutengesa weUS, kunzwisisa mutsauko uripoAgency Chikweretis uye zvikwereti zvinoenderana zvinogona kukanganisa zvakanyanya sarudzo dzemuridzi wemba. Aya mazwi akakosha pakufambisa sarudzo dzemortgage uye kusarudza yakanakisa mari yekutenga yako imba.
Zvikwereti zveajensi zvinoreva zvikwereti zvinotsigirwa nehurumende-inotsigirwa nemabhizinesi (GSEs) senge.Fannie Maeuye Freddie Mac. Masangano aya haakweretese mari zvakananga asi kuti anotenga uye anovimbisa zvikwereti kubva kune vanokweretesa, achipa kugadzikana uye hupfumi kumusika wedzimba. Fannie Mae naFreddie Mac vanoita basa rakakosha mukumisa zviyero zvezvinoumba chikwereti chinoenderana.
Chikwereti chinoenderana imhando yemortgage inosangana nemirairo yakatarwa nemaGSE aya. Kunyanya, zvikwereti izvi zvinofanirwa kutevedzera maitiro ane chekuita nekukura kwechikwereti, kukwereta chikwereti, uye zvinyorwa zvinodiwa. Zvikwereti zvinowirirana zvinowanzopa mubereko wakaderera pane zvikwereti zvisingaenderane uye zvinowanzoonekwa sezvisina njodzi nevakweretesi uye vanoisa mari nekuda kwerutsigiro rwunopihwa naFannie Mae naFreddie Mac.
Mukana mukuru wechikwereti cheagency, kunyanya chikwereti chinoenderana, kugona kuwana mareti emubereko anokwikwidza uye mazwi akanaka. Kune vatengi vazhinji, izvi zvinoita kuti zvikwereti zveajensi ive sarudzo inoyevedza, kunyanya kana uchitenga imba mukati mezvirambidzo zvemirau yechikwereti inotarwa gore rega nemasangano aya. Iyi miganho inosiyana nenzvimbo uye inogadziridzwa kuratidza shanduko muavhareji mitengo yemba.
Paunenge uchifunga kana chikwereti cheagency kana chikwereti chakakukodzera iwe, zvakakosha kuti uongorore mamiriro ako emari uye zvinangwa zvenguva refu. Kugadzikana kunopihwa nezvikwereti zvinoenderana kunogona kubatsira, kunyanya kune vatengi vane maprofile akasimba echikwereti vanogona kuita zvinodiwa naFannie Mae naFreddie Mac. Zvakare, vanokwereta vanosarudza kuenzanisa zvikwereti vanowanzo batsirikana kubva mukukurumidza kubvumidza maitiro, vachipihwa maitiro akajairwa.
Nekudaro, kana imba yako yaunoda ikadarika muganho wechikwereti munharaunda yako, chikwereti chejumbo, inova rudzi rwechikwereti chisingaenderane, chingave chakakosha. Zvikwereti zveJumbo zvinowanzouya nemareti emubereko akakwira uye zvakaomarara zvinodiwa. Saka, kunzwisisa mutsauko pakati pezvikwereti zvinoenderana nezvisingaenderane kwakakosha pakuita sarudzo dzine ruzivo.
Mukupedzisa, zvikwereti zveagency uye zvikwereti zvinoenderana zvinoshanda zvakakoshesesa mumusika wemortgage weUS, zvichipa nzira dzevaridzi vedzimba kuti vawane mari inokwanisika. Nekunzwisisa kuomarara kwezvikwereti zveajensi uye kuenderana nezvikwereti, vangangove varidzi vedzimba vanogona kufambisa mamiriro embanje nenzira inobudirira, vachibatanidza sarudzo dzavo nezvido zvavo zvemari uye zvinangwa zvenguva refu. Zvikwereti izvi zvakagadzirirwa kupa kugadzikana uye kuwanikwa, zvichiita kuti ive dombo repakona reAmerican hope dzekuva muridzi wemba.
Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS; mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo. Pane njodzi mumusika uye mari inofanira kungwarira. Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega. Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu. Isai mari zvinoenderana nenjodzi yenyu.