Indlela iMakethe yeMboleko eSebenza ngayo
I-subprime mortgage iyimali ebolekwa ngumntu ongeke avumeleke.
Oku kungakho ngenxa yengeniso, imbali yengeniso embi okanye zombini. Njengekhuselo, le mboleko kaninzi inomyinge ophezulu. Uninzi lwale mboleko lwenziwa njenge- mortgage rate eguquguqukayo , oko kuthetha ukuba iirhafu ziya kulungelelanisa ixesha elide kwaye zandise iintlawulo zenyanga.
Imali-mboleko ye-subprime yokuboleka imali inomngcipheko omkhulu wokungagqibekanga kwaye ngoko iibhanki zihlala zinciphisa ipesenti ezineencwadi. Nangona kunjalo, izinga lokunciphisa inzala yeminyaka embalwa edlulileyo abaninzi abantu abangenakukwazi ukufumana imali yokubambisa imali bathatha inzuzo kwimilinganiselo engaphantsi kwaye banemali yokuthenga imali. Abaninzi bala bantu bazolulela kumda, becinga ukuba baya kukwazi ukuhlaziya xa amaxabiso abo enzala ahlengahlengiswa. Ukuhlaliswa kwezindlu kwaphela kwaye abaninzi abazange bakhiwe ngokulinganayo njengokuba babenethemba kwaye abafanelekanga ukulungiswa kwemali yabo yokubolekwa. Bafumene ukuba abanako ukwenza iintlawulo kwaye baqalisa ukunyaniseka kwimali-mboleko.
Iimarike zokuThengisa
Imarike yesibini yokubolekwa kwemali iyimarike apho iibhanki zithengisa ngemali kwiiibhanki. Baza kubamba iqela leemali zokuthenga kunye, kwaye bathengise amaqela kwezinye iibhanki. Ngokweqhinga, oku kwandisa umngcipheko phakathi kweebhanki ezininzi kwaye kukhusela wonke umntu ukuba imakethe yezindlu iqhutywe kwindawo enye.
UFannie Mae kunye noFreddie Mac bayona nto ibalulekileyo ekuncediseni i-market secondary mortgage market. Bathenga iimali-mboleko kwiibhanki zangaphambili, ukwenzela ukuba ibhanki ibe ne-liquidity yokwenza imali-mboleko entsha kwaye ibuye ithengise kwezinye iibhanki, ngokuqhelekileyo iibhanki zotyalo-mali. Iimarike ezithengiswayo zesekondari zijongene neengxaki xa iifemu zentengiso, amanye amazwe kunye neebhanki zayeka ukufuna ukuthenga le mboleko. Babesaba ukuba bebengasabalulekanga ngenxa yokuvalwa kwangoku kunye nokulungelelaniswa kuzo zonke i-subprime mortgages.
Ukuhlawula
Urhulumente waseUnited States wanikezela ukuxhaswa kwemali kwaye wavuma ukubuyisela emininzi yemali-mboleko eyenziwa nguFannie Mae noFreddie Mac ngoSeptemba 6, 2008 ukuthengiswa kweemarike kwakubonakala kukudibanisa into yokuba ezi mboleko ziqinisekisiwe. Ngaloo ndlela, urhulumente wavuma ukufihla ukuya kwii-200 zeebhiliyoni zeentengo zemali ukwenzela ukuba imarike ihlale iselwandle.
UFannie Mae kunye noFreddie Mac babengaboni ngokwaneleyo ukugcina iifemu ezimbini zokutshala imali e-United States. Lehman Brothers bavakalisa i-bankruptcy kwiveki elandelayo, kwaye uMerrill Lynch wathengiswa kwiBhanki yaseMelika. Oku kubangele inkathazo eWall Street kwaye kwaphumela ekunciphiseni amaxabiso emakethe e-United States nakwihlabathi jikelele.
Ukuzithemba kwabathengi kwagungqiswa njengoko i-AIG ijongene neengxaki.
I-AIG ingena enkingeni ngokubonelela ngemveliso yomshuwalense eqinisekisiwe ukuba imali-mali iya kubalimi-mali xa iimali-mboleko zingagqibekanga. Ngenxa yokwanda kwangoko kwe-default, le nkampani yabona ukuba ayinakho okwaneleyo ukufihla zonke izilungiso. Urhulumente waseUnited States waphinde wangena waza waxhasa i-AIG ukuze ingahambi phantsi.
Ukubuyisela iMarike kunye noko kufuneka uyenze
Kuthathe iminyaka emininzi kwimakethe yezindlu ukuze ibuyele. Abantu abaninzi baphela ukulahlekelwa amakhaya abo, kwaye iibhanki zaqala ukuqaphela ngakumbi ngokuboleka imali kubantu. Amanani emakhaya awa, kodwa aqala ukubona ukunyuka kwexabiso kwakhona. Nangona kunjalo, iibhanki ziqaphele ngakumbi ngokuboleka imali kubantu.
Ukuxhaswa kwemali kunye nokusetyenziswa kweeparachutes zegolide kubaphathi abaholele iinkampani zabo ekudleni ukuthuthwa kweebheyili kubangele ukunyakaza kwe-Occupy Wall Street ngo-2011.
Le ntshukumo igxininise ukungalingani phakathi kwehlabathi elicebileyo kunye nezinye iingu-99% zabemi behlabathi. Abantu abaninzi abaphumelele ngexesha lobunzima bezoqoqosho babe nexesha elinzima lokufumana imisebenzi. Ukuxhaswa kwemali kunokusindisa iikhampani ezimbalwa kodwa kungabonakali ukuba nethemba elithembekileyo kwezoqoqosho njengoko liqhubeka likulwela iminyaka emininzi.
Kufuneka ujonge kwakhona umthwalo wakho wetyala. Ingcinga efanelekileyo yokunciphisa inani letyala onalo. Abantu abaninzi bakhangele zonke iintlobo zeentengo zemboleko kwaye bazive ukuba ingxaki ingasasazeka kwiimakethe zekhadi lesikweletu. Unokuzikhusela ngokuphila ngendlela yakho kwaye ugxininise ekuphumeni kwetyala.
Isicwangciso sakho sokulondoloza kunye nesicwangciso sokutyalomali kufuneka sihlale simele. Kufuneka uqhubeke nokugcina kunye nokutshala imali yakho. I-FDIC kufuneka ikwazi ukusingatha nayiphi na enye ibhanki. Imarike yemasheya iza kubuyiselwa ekugqibeleni kwaye imali yakho iya kuqhubeka ikhula. Khumbula ukuba usasaze utyalo lwakho ukuze ungabi nabo bonke kwinkampani enye. Indlela elula yokwenza oku kukutyalomali kwi-Mutual Funds.
Unokufuna kwakhona ukwakha isikhwama sakho esingxamisekileyo kuba kunokuba nzima kakhulu ukufumana umsebenzi ngexesha loqoqosho. Ngokuqhelekileyo, ukunyuka kwemali kuholele ekutshitshweni kweentlawulo, nto leyo ekhokelela ekunciphiseni kwemali, oko kukukhokelela ekutyekisweni okungakumbi. Umjikelezo onobungozi. Ingakhokelela kwithuba lokungcola , okona kunzima ukubuyela kuyo. Yenza into onokuyenza ukuze uzilungiselele ukuhlala ukhuphisana kwimakethi yomsebenzi.
Kubalulekile ukuba ulungele ukujongana neengxaki zezoqoqosho. Ulawulo olungundoqo lwemali kunye nolwabiwo-mali oluvumela ukuba uphume kwi-matyala kwaye ukhethe ukugcina imali yakho kunokukunceda ukusingatha ubunzima bezoqoqosho ngokubhetele. Thatha amanyathelo ngexesha loqoqosho olufanelekileyo ukulungiselela ezimbi.