Umthetho we-Dodd-Frank uthintela umnini-Uxhaswe ngemali
Xa amaxabiso enzala aqhubela kwi-18% ngasekupheleni kweminyaka yee-1970, abathengi abaninzi baphoqelelwa ngaphandle kweemarike zendawo yokuhlala kunye nokuxhaswa ngezimali zokudala kwavela ebomini ngaphandle kwesi sidingo. Uninzi lwezindlu ezithengiswayo zapapashwa nge-OWC zokuqala, umnini-ntla uthetha ( umnini-mali ).
Ngeli thuba, nantoni na into eyenziwe phantsi kokuxhaswa kwemali yokudala. Isantya sasixakeke kangangokuba amaninzi amanxusa awazange ayeke ukujonga ukuba iindidi zeentlobo abazibeka ndawonye zazingekho mthethweni. Ngayiphi nayiphi na inkqubo enokukwakhiwa, nokuba kwakungeyonto ingcamango efanelekileyo, yayisetyenziswa rhoqo.
Iintlobo zoKhetho lweMali yokuCala
- Amagunya angaphandle angaphandle. Abanye abantu basebenzisana phantsi kwethemba lokungaphandle kwamanye amazwe namhlanje, kodwa ukuba i-IRS iyabathola, aba bantu banokuphelela entolongweni. I-IRS ayibheki ngomusa kwiindawo ezinxweme ezingaphandle kwamanye amazwe, kungakhathaliseki ukuba yintoni umthengisi othetha ngokukhawuleza kwi-suit ebiza i-Italian ithetha. Ithemba lokungathembeki kwamanye amazwe elingaselunxwemeni yindlela yokuhambisa imali kwelinye ilizwe ngasese. Abaxhasi beRhafu bavumele ukuba i-trust ityala kwilizwe langaphandle.
- Ngokuxhomekeke kwimisebenzi . Iimali-mboleko ezininzi azizange zithwale amacandelwana okuhlukanisa afuna ukukhawuleza, ngoko abathengi bangathatha iintlawulo kwi-mboleko ekhoyo, bashiye igama lomthengisi ngemboleko, kwaye kulungile. Whoa. Amabhanki awakuthandi ukuvalelwa kwisantya esenzalo esezantsi kwaye ukulahlekelwa ngumboleki obenakho xa abathengi bathenga amakhaya enesihloko-ukuxhaswa ngemali. Isihloko-ukuthengiselana kubungozi namhlanje kuba ababolekisi banakho kwaye baya kubiza umboleko owenzelwe ukuthengiswa . Ukungathethi, abaninzi abathengisi abafuni ukuba uxanduva luhambelana nesifundo-ukuthengiselana.
- Mboleko mboleko. Ezinye iintlobo zemali yokubolekwa kwemali epapashwe ngokucacileyo ukuba umthengi omtsha unokucinga ukuba umboleki-mboleko okhoyo. Ukuba umthengi ofanelekileyo ukuba athathe imali mboleko, ibhanki ikhuphe umthengisi ukuba athathe uxanduva. Ukubanjwa kwe-oan kulondoloze umthengi ngaloo mihla amawaka eedola kwiimali zentengo, kunye neentengiso ezininzi zingavalwa ngokukhawuleza phantsi kwezi migaqo. Namhlanje, kukho ezimbalwa nakwezinye iimali mboleko ezingenakwenzeka.
- Izivumelwano zomhlaba . Ingxaki yesivumelwano somhlaba ifumana inkampani yomshuwalense yenkampani ekulungele ukuqinisekisa ukuthengiselana. Ukungathethi, isivumelwano somhlaba, esinikela isihloko esilinganayo kumthengi, ngokuqhelekileyo asiququzelele phantsi kwemali mboleko ngenxa yokubolekwa kwemali-mboleko equlethe isahlulo sokuhlukanisa. Inkontileka yomhlaba isetyenziswe kakuhle xa ikhaya liphantsi kwe-free-clear by the seller.
- Ukuthengiswa kweentengiso okanye ukuthathwa kwetrasti . Ukuba umthengisi ungumnikazi wepropati kwaye unqwenela ukuthwala inkxaso-mboleko kumntu obolekayo, isixhobo esilula ukuyisebenzisa siyimpahla yokubolekisa okanye isenzo sokwethemba. Iphondo ngalinye linemithetho yalo malunga nokuba ingaqhelekanga ukurekhoda imali yokubolekwa kwempahla okanye isenzo sokwethemba. E-California, umzekelo, isibonelelo semvume yokuhambisa isihloko kunye nezenzo zentembeko ukukhusela amanqaku okunyusa aqhelekileyo asetyenziswa.
Umthetho we-Dodd-Frank kunye neMigomo yokuThuthukisa ukuThengiswa kweNdlu
Umthetho we-Dodd-Frank uyigama elincinci le-Dodd-Frank Wall Street Reform Reform and Protection Act, esayinwe ngumthetho ngoJulayi ka-2010. Ifunwe nguBongameli beBellett uBarney Frank kwaye -Senator Christopher John Dodd, uMthetho weDodd-Frank zenze iinguqu ezitshintshileyo kwimimiselo yezemali kwaye yatshintsha iQiniso kuMthetho Wokuboleka. Olu tshintsho olubanzi ludale ama-arhente amatsha kwaye yatshintsha imithetho emininzi.
Awukwazi ukuguqula ikati efile ekuxhaseni ngaphandle kokushaya uMthetho we-Dodd-Frank. Ndixolisa kwikati ehlwempuzekileyo yale ncwadana; kukuba ibinzana lihambelana kakuhle.
Icandelo le-Dodd-Frank Act libhekiselele kumxhasi wemali. Ilawula kwaye ichithe ezinye iintlobo zemali eziye zavunyelwa lula kwixesha elidlulileyo. Ngokungafani neentsuku zokuhamba ngokukhululeka kwee-1970 xa kukho nawuphi na umntu onokuyilungiselela imali-mboleko kwaye ahlawulelwe okokuba umntu unalo ilayisenisi yendawo yokuhlala, ngoku kufuneka ukuba umntu anikwe ilayisenisi njengomboleki wemboleko mboleko . Abathengisi bayakhululwa ukuba banikezele ukuba banganiseli ngokwemigangatho yokuxhasa imali kumnini kwiipropati ezingaphezu kwe-3 ngonyaka. Ezinye i mithetho:
- Umthengisi anganika umnini-mali ngenkxaso nje xa umthengisi engazakheli ikhaya. Oku kuqeda abakhi bekhaya ukuba banganikeli umnini-mali.
- Akukho bhaluni yokuhlawulwa. Indlela eyithandayo yokubonelela ngemali yokudala yayidla imali-mboleko yesikhashana, ithi iminyaka emi-3 okanye emihlanu, ibhaluni ekupheleni, oku kuthetha ukuba ibhalansi yonke iya kuhlawulwa kwaye ihlawulwe. Imali-mboleko yemali-mboleko kufuneka ihlaziywe ngoku.
- Umthengisi akakwazi ukubonelela ngemali kumnini umthengi okwenzekayo kunye. Umthengisi unembopheleleko yokumisela ukuba umthengi ufanelekile ukuthenga ikhaya aze abuyisele imali mboleko. Oku kunokuthetha ukuba umthengisi uza kufuneka asebenze ingxelo yengxelo yemboleko kumthengi, oya kubangela ukuba bonke abathengi basekhaya badle i-credit card.
- Imboleko kufuneka ibe ngumlinganiselo ochanekileyo okanye ulungelelaniswe emva kweminyaka emi-5 ngokuxhomekeka kokunyuka kwonyaka, kunye ne-captimetime cap cap.
- Imboleko yemali-mboleko kufuneka ihlangabezane nezinye iimfuno ezibekwe yiBhodi yeBhodi yokuGcina. Nangona kunjalo, ayikho ibhaluni yeemfuno eziya kumisa amaninzi okuzama ukuxhasa imali. Isisombululo sabathengisi abathile kunye nabathengi banokuba yintengiso yokuthengisa.
Ngaphambi kokuthenga ikhaya ngokusebenzisa imali yokudala, fumana iingcebiso zomthetho.