Mitemo yechikwereti yakajairika ichawedzera kubva pamadhora mazana matanhatu nemakumi mana nemazana maviri muna 2022 kusvika pamadhora mazana manomwe nemakumi maviri nemakumi maviri nemazana maviri munzvimbo zhinji dzeUS, kuwedzera kwezvikamu gumi nezviviri kubva muzana;miganhu munzvimbo dzemitengo yepamusoro ichawedzerawo, kubva pamadhora mazana mapfumbamwe nemakumi masere nemazana masere kusvika pamadhora zana nemakumi masere nemakumi matatu nemazana matatu.*Kudzimba dze1 Unit

Aka ndekekutanga munhoroondo kuti hurumende yemubatanidzwa yeUS yatanga kutsigira zvikwereti zvemba zvinodarika miriyoni imwe, chinova chiratidzo chakakosha!Izvo zvakakoshawo kune vese vatengi vemba.

Saka chii chaizvo chinonzi Conforming Loan Limit (CLL)?

Ndeipi muganho wechikwereti wakajairwa?

Kuti tinzwisise kuti muganho wechikwereti wakajairwa chii, tinofanira kutanga tanzwisisa kuti chikwereti chakajairwa (Conforming Loan) chii.

Zvikwereti zvinowirirana ndiyo yakajairika mhando yechikwereti mumusika weUS nhasi, uye vatengi vazhinji vanonyorera rudzi urwu rwechikwereti.

Zvikwereti izvi kazhinji hazvina kuomesera maererano nezvinodiwa nevatengi uye zvinongori rubatsiro rwehurumende kune vatengi vane mitengo yekutenga yakaderera, zvichibvumira vatengi vane zvibodzwa zvakaderera zvechikwereti uye kudzikisa mubhadharo wekutenga imba.

Nemutemo, Conforming Zvikwereti zvinotenderwa pasi pemitemo yaFannie Mae naFreddie Mac.

Makambani ese ari maviri anoisa zvikwereti zvakadai seMortgage-backed securities (MBS) ozvitengesa kune vanoisa mari pamusika wakavhurika.

Nekuda kweiyo yakakwira liquidity uye rutsigiro rwehurumende, mubereko wekuenderana zvikwereti unowanzo kuderera pane izvo Zvisingaenderane zvikwereti uye kubvumidzwa hakuna kuomesesa, asi panguva imwe chete iyo mari yechikwereti yaunogona kuwana yerudzi urwu rwechikwereti. kusanyanya kukura.

Saka Chikwereti cheConforming ihomwe inosangana nemari yechikwereti yakatarwa naFannie Mae naFreddie Mac, uye Fannie Mae naFreddie Mac vanogona kungotenga zvikwereti zviri pasi pemuganho wechikwereti.

Iyo miganho, inotarwa neFederal Housing Finance Agency (FHFA).

Miganho inotarwa sei pazvikwereti zvakajairika?

Sezvo imba inokoshesa mukukosha nekufamba kwenguva, mutemo weHousing and Economic Recovery Act (HERA), wakapasiswa nehurumende yeUS muna 2008, unopa zvigadziriso zvepagore kune zvakajairwa zvikwereti uye inogadza fomula yechigarire yekumisikidza zvikwereti ku account yekuchinja kwemitengo yemba. muUnited States.

Muganho unotarwa neFederal Housing Finance Agency (FHFA), iyo inotarisa kushanduka kwehuwandu hwemitengo yepamba kubva pagore rapfuura yakashumwa neFederal Housing Finance Board (FHFB) muna Gumiguru wegore rega rega kugadzirisa iyo yakajairwa chikwereti muganhu, iyo inoziviswa munaNovember anotevera.

Chati iri pazasi inoratidza shanduko yeConforming Loan limits kubva 1980 kusvika 2023, inoshanda kune mazhinji eUnited States.

Kubva kutanga kwa2020, iyo 2023 yakajairwa kukwereta muganho wakaonawo kuwedzera kukuru sezvo kudiwa kwedzimba dzekugara kwakawedzera nekuda kwekurekodha mitengo yakaderera yembavha uye maitiro ekushanda kubva kumba, uye avhareji mitengo yekutengesa dzimba muUS yakawedzera. inenge 40%.

Nepo FHFA ichiisa hwaro hwemiganho yechikwereti chakajairwa, dunhu rega rega rine miganho yaro yechikwereti.

Izvi zvinodaro nekuti mune dzimwe nzvimbo uko mitengo yedzimba iri pamusoro peavhareji yenyika, dzakadai seNew York City, Seattle, neSan Francisco, mutengo wepakati pemusha wepamusha wasvika 115% kana kupfuura yemuganhu wechikwereti.

Munzvimbo idzi, FHFA inobvumira mari yakakwira kukweretwa kune zvakajairwa zvikwereti (Super Conforming Loans), inozivikanwawo seHigh Balance Loans.

PaZvikwereti Zvepamusoro, HERA inodazve kuti mari yekukwereta isapfuure 150% yeConforming Loan limit.

Kushandisa nzvimbo ina dzakatarwa nemutemo dzakanyanya kudhura semienzaniso yeAlaska, Hawaii, Guam, neUS Virgin Islands.Iyo 2023 Yakakwira Balance Chikwereti muganho ndeye 150% yeConventional Loan muganho, kana $1,089,300.($726,200*150%=$1,089,300)

Izvi zvinobata sei vanotenga dzimba?

Zvikwereti zvakakwirira zvenguva dzose zvinoreva kuti vanotenga dzimba vanogona kuzadzisa zviri nyore zvinodiwa nechikwereti, uye zvikwereti zvenguva dzose zvinosangana nemiganhu zvinowanzova neAPRs yakaderera uye kubhadhara pamwedzi kune vanokwereta.

Zvikwereti zvinodarika mapeji ezvikwereti zvakajairwa zvinowanzodaidzwa kunzi Jumbo Loans, iyo inowanzova nemitengo yakakwira kupfuura Conforming Loans .

Asi neiyo Fed's nhanhatu hefty rate inokwira pamusoro pegore, mubereko pazvikwereti zvakajairwa kazhinji wakakwira.Zvinoenderana neazvino manhamba kubva kuFreddie Mac, avhareji yemubereko pamakumi matatu-gore yakatarwa-yero remoti i6.49%, yakapetwa kaviri zvayaive pakutanga kwegore!

Asi ikozvino AAA LENDINGS iri kupa Jumbo Loan chigadzirwa chine mubereko wakaderera se5.250%!