Yintoni eyabangela Ingxaki yokuThengisa?
American Dream
Ukufumana ikhaya liyingxenye ye " American Dream ". Ivumela abantu ukuba baziqhenye kwipropati kwaye badibanise noluntu ixesha elide. Nangona kunjalo, amakhaya ayabiza (ngamakhulu amawaka eedola - okanye ngaphezulu), kwaye abaninzi abantu bafuna ukuboleka imali ukuthenga ikhaya.
Ekuqaleni kwawo-2000, loo phupha yafikeleleka kwinani lerekhodi labantu. Imilinganiselo yemithwalo yemali yayingaphantsi, ivumela abathengi ukuba bafumane imali ebolekileyo ngokuhlawulwa kwenyanga nganye (bonani ukuba iintlawulo zibalwa njani ukubona ukuba ixabiso eliphantsi lichaphazela njani iintlawulo). Ukongezelela, amanani asekhaya ayenyuka kakhulu, ngoko ukuthenga ikhaya kubonakala ngathi ukubheja okuqinisekileyo. Ababolekisi bakholelwa ukuba amakhaya ayenzela i-collateral efanelekileyo, ngoko azimisele ukuboleka ukuthengisa impahla kunye nokufumana ingeniso xa izinto zilungileyo.
Ukuhlawula
Izinto zazilungele ukuthenga abathengi bexesha lokuqala , kodwa abanikazi bezindlu abakhoyo bafumana imali elula kunye namaxabiso aphantsi.
Ngamaxabiso asekhaya, izindlu zafumana ubutyebi obukhulu emakhaya abo. Babenezinto ezininzi zokulingana, ngoko kutheni bahlale behlala endlwini? Abanini bezindlu bahlaziywa kwaye bathatha imali yesibini yokubambisa imali ukuze bafumane imali emakhaya abo. Eminye yale mali ichithe ngobulumko (ekuphuculweni kwipropati ebolekisa imali).
Nangona kunjalo, abanye abanini bezindlu basebenzise imali yokuhlawula iindleko kunye nezinye iimfuno, ukugcina umgangatho wokuphila okhululekile xa umvuzo uhlala uhleli.
- Funda kabanzi: Kuthetha ukuthini ukuhlaziya?
Imali Elula Ngaphambi Kweengxaki Zemali
Amabhanki anikezela ukufikelela lula kwimali ngaphambi kokuvela kweengxaki zemali. Ababoleki bangena kwi-mortgages enobungozi obuphezulu njengokhetho -i-ARM , kwaye bafanelekile kwiimali-mboleko kunye namaphepha amaninzi. Kwaye nabantu abanekhredithi engalunganga banokufumana ilungelo lokuboleka imali.
Ababolekisi abangengozi: Abboleki babenakho ukubolekeka kunanini ngaphambili, kunye nabantu abanamanani amanqaku aphantsi krektri abaya kuba bafanelekile njengababoleki "subprime" . Ababolekisi bavunywa "akukho maxwebhu" kunye neengxelo zemali-mboleko "eziphantsi", ezingazange zifune ukuqinisekiswa kwemali engenayo kunye nempahla (okanye imigangatho yokuqinisekisa ikhululekile).
Iimveliso ezinobungozi: Ukongezelela ekuvunyweni okulula, ababolekayo banokufikelela kwimali-mboleko eyathembisa inzuzo yesikhashana (kunye nobungozi besikhathi eside). I-ARM-mboleko ivumele iboleki ukuba zenze iintlawulo ezincinci kwiityala zabo, kodwa inani lemali-mboleko liyakwenyuka ngokwenene ukuba iintlawulo azizange zanele ukufaka iindleko zomdla . Amanqanaba enzala aphantsi (nangona kungenjalo kwi-lows).
Ubuqhetseba: Ababolekisi babezimisele ukuthenga imali, kodwa abanye abathengi basekhaya kunye nabathengi bemali mboleko bongezelele umlilo emlilweni ngokunika ulwazi olungalunganga malunga nezicelo zemboleko. Ngaphandle kokuba iqela lingazange liphele, yonke into yayilungile. Xa izindleko zasekhaya zawa kwaye ababolekayo babengenako ukufumana iimali-mboleko, inyaniso yaphuma.
Ukutshatyalaliswa kweMali
Iyiphi na yonke imali yokuboleka imali evela kuyo? Kwakukho ukukhawuleza kwezinto ezinobungozi emhlabeni wonke-owomile ngokukhawuleza ekuphakameni kweengxaki zemali. Abantu, amashishini kunye noorhulumente babe nemali yokutshala imali, kwaye bahlakulela umnqweno wokutsalwa kwemali-mboleko njengendlela yokufumana ngaphezulu kwinqanaba lentlawulo ephantsi.
Iimarike zesekondari: Ibhanki esetyenziselwa ukugcina iimali zokuthenga kwiincwadi zazo. Ukuba uboleke imali kwi-Bhanki A, uza kuhlawula imali kwiBhanki A, kwaye ilahlekelwa yimali xa ungekho phantsi.
Nangona kunjalo, iibhanki ngoku zithengisa mboleko yakho, kwaye iyakwazi ukwahlukana kwaye ithengiswe kubanini-mali abaninzi. Ezi mali-mali ziyinkimbinkimbi kakhulu, abatyala-mali abaninzi bancika nje kwii-arhente zokulinganisa ukuba baxelele indlela ekhuselekileyo ngayo utyalo-mali (ngaphandle kokuyiqonda ngokwenene).
- Funda kabanzi malunga neMpahla yokuThengiswa kweMpahla eSebenzayo .
- Qaphela indlela i- CDO (Imithwalo-mboleko yeTyala) .
- Ibheno elihle : ama- Agency Rating
Ngenxa yokuba iibhanki kunye nabathengi bemithwalo yempahla babenalo naluphi na umdlalo kumdlalo (banokungathengisa ngemali mboleko ngaphambi kokuhamba kakubi), izinga lomboleko liye lahla. Kwakungabikho ukuphendula okanye ukukhuthaza ukuba baboleki bakwazi ukuhlawula imali mboleko.
Amanqanaba okuQala kweNkqubela
Ngelishwa, iinkukhu zafika ekhaya ukuba zihlasele kwaye ingxaki yokubolekwa kwemali yaqala ukuqinisa ngo-2007. Amaxabiso asekhaya ayeka ukunyuka kwisantya se-breakneck, kwaye amaxabiso aqala ukuwa ngo-2006. Abbolekayo abathengisa amakhaya ngaphezulu kunokuba banakho ukuhlawula baye bayeka ukwenza imali yokuboleka imali. Ukwenza izinto zibe zibi nakakhulu, iintlawulo zenyanga zikhuphuke kwizinga lokubanjiswa kwee-mortgages njengoko inani lamanani liphakama.
Abanini-makhaya abanemizi engenakulungiswayo basala ngeendlela ezimbalwa zokhetho. Baye balinda ukuba ibhanki ibe yinto engaphambili , bangaphinda baxoxise ngemali mboleko yabo kwiprogram yokuqhuba umsebenzi , okanye bahambe nje bephuma ekhaya baze bafikelele . Kakade ke, abaninzi baye bazama ukwandisa imali yabo kunye nokunciphisa iindleko. Abanye babenako ukugqithisa i-gap, kodwa abanye bebevele basemva kakhulu kwaye bajongene neentlawulo zokubolekwa kwemali engenakulondolozwa.
Ngokwesiko, iibhanki ziyakwazi ukubuyisela imali eyayibolekwa ngayo kwi-foreclosure . Nangona kunjalo, ixabiso lekhaya liye lafikelela kwinqanaba lokuba amabhanki athatha ilahleko ezininzi kwiimali-mboleko ezingekho phantsi. Imithetho kaRhulumente kunye nelo hlobo lomboleko owenziwe ukuba ngaba okanye ngababolekisi bangayama ukuqokelela naziphi na ukulahleka kwabobolekayo .
The Pllot Thickens
Xa abantu beqala ukusilela kwiingxowa-mboleko kumanani okurekhoda (kwaye kanye kanye ngelizwi liye lajikeleza ukuba izinto zibi), inkathazo yokubolekwa kwemali iyayiphisa. Amabhanki kunye nabatyalomali baqala ukulahlekelwa yimali. Amaziko emali agqiba ukunciphisa ukungena kwabo emngciphekweni ngokukhawuleza, kwaye iibhanki zazama ukuboleka omnye nomnye kuba bebengayazi ukuba ngaba baya kuhlawulwa. Ewe, iibhanki namashishini adinga imali ukuhamba ukuze isebenze ngokufanelekileyo, ngoko uqoqosho luye lwayeka.
Ubuthakathaka beBhanki (kunye nokwesaba) kubangela ukusilela kwebhanki I-FDIC inxininise abasebenzi ekulungiseleleni amanani amakhulu ebhanki abangelwa yinkinga yokubambisa imali, kwaye ezinye izinto ezisemgangathweni zelizwe lebhanki ziphantsi. Uluntu jikelele luyabona ezi zikhundla eziphambili zeeprofayili zahluleka. Kwimbali yomlando, sakhunjuzwa ukuba imali yemarike yemali inokuthi "iphule ibhokhwe."
- Ukukhuselwa kwe-Depositor: Indlela i-FDIC Insurance Works ngayo
- Yintoni eyenzekayo kwi-Bank Failure?
- Funda kabanzi: IiNgxowa-mali zeMali zeMali neeAkhawunti zeMali zeMarike
Ezinye izinto zafaka isandla ekubandezelekeni kweengxaki zemali. Uqoqosho lwase-United States lwathambisa, kwaye amaxabiso aphezulu aveliswayo abathengi kunye namashishini. Ezinye iimveliso zemali eziyinkimbinkimbi zaqala ukudibanisa.
Imiphumo yokulinganisa
Abenzi bomthetho, abathengi, amabhanki, kunye nabathengisi banomdla wokunciphisa imiphumo yengxaki yokuthenga imali. Ikhuphe ikhonkco elimangalisayo lemicimbi kwaye iya kuqhubeka iqhubeka iminyaka ezayo. Uluntu luye lubona "indlela esenziwa ngayo" kwaye wayethuka xa efunda indlela ihlabathi elixhomekeke ngayo.
Isiphumo esihlala njalo kubaxhasi abaninzi kukuba kunzima ukufumana ilungelo lokubolekwa kwemali kunokuba bekusekuqaleni kweye-2000. Ababolekisi bafuneka ukuba baqinisekise ukuba ababoleki banakho ukubuyisela imali mboleko - ngokubanzi kufuneka ubonise ubungqina bemali engenayo kunye neempahla. Inkqubo yemboleko yekhaya ngoku iyanzima, kodwa sinethemba lokuba inkqubo yezemali iyaphilile kunokuba ngaphambili.