Unyaka ka-2012 uFannie Mae Mfutshane ukuthenga iimfuneko

Iintengiso ezimfutshane zikaFannie Mae Akunakuze zilahlwe ngenxa yeNkunkuma

Urhulumente waseUnited States, de kube nguNovemba 1, 2012, wayexelele abaninikhaya abanemali ukuba bayeke ukwenza imali yabo yokubolekwa kwemali baze bangene kwi- foreclosure . Oku kungathi ngathi into endiyifunayo kwinveli yezesayensi, kodwa inyaniso ngokuqhelekileyo ingabonakali ngaphezu kobuxoki. Ngokugqithiseleyo, ngaphambi koNovemba 1, ndibukele u-Fannie Mae, oneminyaka engama-79.9% urhulumente, efuna ukukhohlakala ngaphambi kokuba avume ukuthengiswa okufutshane .

Kodwa oko kwatshintsha ngoNovemba 1.

Imbali emfutshane kaFannie Mae

Uyabona, uFannie Mae, kunye noFreddie Mac, zii-giant mortgage ezinkulu ezinama-3 kwi-4 e-United States. Ukususela ngo-1938 ukuthobeka kukaFannie Mae ngo-1938 - okwakhiwa nguMongameli Franklin D. Roosevelt kunye neCongress ukuthenga imali yokuthenga imali kwimarike yesekondari - ekunikweni kwayo kwintlalo ka-1968, uFannie Mae wenyuka ukurekhoda inzuzo ngaphambi kokuba umthamo omkhulu wonyaka we-2007 utshutshwe. yafakwa kwi-government custervator in Septemba 2008, phantsi kwe-Federal Finance Finance Agency.

Ngokwe-Tracking Tracker ye-CNNMoney.com, uFannie Mae ufumene ngaphezu kwe-200 billion yezigidi kwi-Programmed Relief Assistance Programme (TARP) Masingathethi nakwiimilliyoni zama-dollar amabhonasi anikezelwa kubaphathi bawo, ngokubuyisela oko abanye abagxeki bafuna ukubiza Abahlawuli berhafu baseMerika.

Uhlobo oluthile lweFannie Mae Sale?

UFannie Mae uyongezelela enye inqwelwana kwinkqubo emfutshane yokuthengisa .

Ngokuqhelekileyo, umdayisi uza kubonisa ubunzima kwaye ikhaya liza kuhlaselwa phantsi ukwenzela ukufumana ukuthengisa okufutshane . Xa umdayisi sele ethola isibonelelo sokuthenga loo ntengiso emfutshane, isibonelelo, kunye namanye amaxwebhu afanelekayo, ithunyelwa kwibhangi lomdayisi.

Ukuba ibhanki ibhekiselele kuphela ngemali mboleko ngenxa yokuba umbolekisi uthengisiwe kuFannie Mae, kungekhona nje kuphela ukuba inkqubo yebhanki iyimfuneko yokuthengisa, kodwa iphakheji iya kuthunyelwa kuFannie Mae ukuze avunywe.

Oku kuthetha nokuba ibhanki lomdayisi uyavuma ukuthengiswa okufutshane, umthengisi uya kusasa imvume kaFannie Mae, ukubonelela nge-servicer ayinalo igunya eligunyaziwe . Uhlobo lwe-Fannie Mae olufutshane luthengisa ukuthatha ixesha elide ukuvala.

Ngaba uMthengisi angakwazi ukuhlala ngoku kwaye enze uVannie Mae Sale iDemo?

Impendulo ibonakala ibe yebo. Ngaphambi kukaNovemba 1, 2012, abathengiswana kuFannie Mae banditsho ngokugqithiseleyo ukuba uFannie Mae akayi kukhupha imvume yokuthengisa xa kuthengisa ukuba umthengisi akayikho. Abanye abatyali-mali abanjengoBhanki yeMelika kunye ne-Wells Fargo abaphoqeleli ukuba umthengisi angagqibekanga kwaye uya kunika ukuthengisa okufutshane xa umthengisi ekhoyo.

Ndifumana amava ekusebenziseni ukuthengisa okufutshane kweFannie Mae eSigramento. Nantsi isampula yokuthengiselana. IBhanki yaseMelika ivume ukuthengiswa okufutshane kwangoko-2012 kwaye yathumela iphakheji kuFannie Mae ukuhlaziywa. UFannie Mae waye walahla ukuthengiswa okufutshane ngenxa yokuba umdayisi wayesenza intlawulo yemboleko. Ngoko, inyanga elandelayo, umdayisi wanquma ukungenzi ntlawulo. Kwiintsuku ezithandathu iintsuku, uFannie Mae uvume ukuthengiswa okufutshane.

Ngaba uFannie Mae Uzobuyisela ukuThengiswa kweTrasti ukuba uMrhumo omfutshane wokuThengisa usalindele?

Ngelishwa, impendulo ibonakala ingekho. Emva kokuba isaziso sokungagqibekanga sifakwe, uFannie Mae uthe akuyi kuyeka inkqubo yokucima ukuxilongwa ngelixa liqwalasela ukuthengisa okufutshane.

Ukuba ukuthengiswa okufutshane akukwazi ukugqitywa ngaphambi komhla weeyunivesithi, uFannie Mae uya kugxininisa - nokuba ngaba isizathu sokuthengiswa okufutshane asivunyelwanga ngenxa yokulibaziseka kuFannie Mae.

Ngaba akuyiyo indaba eduduzayo? Kwibala eliqaqambileyo, emva koNovemba 1, 2012, urhulumente uye wayeka ukunyusa abathengisi abaya kuthi bahlale bekhona kwiimali zabo zokuboleka imali. Ngokudabukisayo, xa inkqubo yokuqhawula iqala, urhulumente uya kumthabatha ikhaya lomboleki ukuba ukuthengisa okufutshane kungeke kuvalwe ngaphambi komhla wokuthengisa.

* Kubathengisi abavala ukuthengiswa okufutshane emva kwe-Juni 30, 2012, ukuba umthengisi lilungu lomkhosi elinemiyalelo yokuTshintsho ePhakade, uFannie Mae uya kuvumela umthengisi ukuba ahlale ekhoyo ngoku. Izikhokelo ezintsha ezikhutshwe yi-FHFA, ngoNovemba 1, 2012, zivumela abathengisi ngobunzima ukuba bahlale bekhoyo kwaye besenza u-Fannie Mae ukuthengiswa okufutshane.

Ukuba ungathanda ukufumanisa ukuba umboleko wakho ubanjwe nguFannie Mae, uye kwi-Fannie Mae Loan Lookup site.

_{Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.}