Chii Chinonzi Residence Residence?
Fannie Mae naFreddie Mac vanotsanangura nzvimbo yekugara seimba iripo iye zvino uye inogaramo nemunhu anenge akwereta achitarisa kune chikwereti imba itsva.
Vanokwereta avo vane pamba zvino vane zvitatu zvavanosarudza pavanosarudza kutenga imwe nzvimbo itsva yekugara. Vanogona:
Kutengesa kugara kwekugara uye kubhadhara chikwereti chakanyanya
Shandura nzvimbo yacho kumusha wechipiri, uchifunga kuti vanogona kukodzera zvose zviripo uye zvitsva zvekutenga chikwereti, kana
Shandura nzvimbo yacho kune imwe nzvimbo yekusimwa uye kupa zvinyorwa zvekuti vachakwereta iyo pfuma uye vanoshandisa mari yekugadzirisa kubhadhara mari yekubhadhara mari
Muna July wa2008 vose Firinie naFreddie zvakasimbisa zvakadzama mazano ekunyora pasi pamusoro pekuenda kwekugara. Muna Gumiguru ra2013 ivo vakazovasunungura.
Kuchinja kune "Kuenda Kunogara" Kunyoresa Mazano
Izvo dzimwe nguva kudzvinyirira "kuenda kumusha" mirayiridzo yakaiswa panguva yekukwirira kwedambudziko rezvemari uye rakagadzirirwa kuva kwenguva pfupi mumasinei pasinei nekuramba kwenguva kwemakore matanhatu.
Chinangwa chemurairo uyu chave chiri chekuita kuti avo vakwereta vane kodzero yakakwana uye kuchengetedza mari kuti vakwanise kutarisira zvinhu zvakawanda.
Muna July wa2008 Fannie Mae akaisa mazano ekunyora pasi apa pamusoro pezvivako zvinowanikwa:
Vachada kuongorora 30% kuenzana mumusha wavo uripo. (Izvi zvinopesana nezvinonetsa kuti vangave vachifunga nezve "sarudzo dzisina kukodzera" paimba yekare.A AVM (Automated Valuation Module) kana kuongorora kunoda kuenzanisira kuti varatidze kuenzana kwavo.
Kukodzwa mari inofanira kuve yakanyorwa nechokuita chibvumirano chakazara chekubhajisa. Kubhadhara kunogona kuva mwedzi nemwedzi.
Uyo anokweretesa achada kopi yekuchengetedzwa kwemari uye uchapupu hwekuisa.
Kukwereta mari kubva kune nhengo yemhuri kana munhu ane ukama hwakasimba kune akakwereta hahubvumirwi.
75% yevimbiso yekubhadhara mari inoshandiswa inogona kushandiswa kukanganisa dzimba dzemari.
Iyi mitsva itsva inoshanda ikozvino iyo inobvisa kana kusunungura zvidzidzo zvakasiyana siyana izvi.
Chinonyanya kukosha, Fannie Mae ari kubvisa kushayirwa kwema 30%. Vari kubvumirawo rusununguko rwakawanda kune avo vanoronga kubatisisa uye kubvarura nzvimbo yavo yekugara kuburikidza nekuchera mitemo pamusoro pekushandisa kushandiswa kwemari inoshandiswa.
Zvinonyanya kukosha kune vashandi vemusha vanogara mavo pasi pegvumirano yekutengesa, havasisiri kukuda kuti uvhare mutengesi uyu usati wavhara yako itsva.
Kurumidza kubva pamuromo webhiza:
Nemhaka yekuti kune mamwe mazano iye zvino munzvimbo inoenderana nekodzero yekwereti, mari inotora mari, uye mari yemari, Fannie Mae ari kubvisa zvimwe zvido zvinonyatsosangana nekutendeuka kweimba huru
Kana uyo akwereta aine mari yekugadzirisa imba, nzvimbo yeimba yacho inotarisa kuti iyo PITIA (yako yose-mumwedzi wepamusoro, mutengo, mutero, inshurensi uye yeimba yebhadharo) inofanirwa kutaridzirwa kuti inokodzera iyo itsva yekubhadhara chikwereti.
Kana iyo yakachengetwa pfuma inenge yakabhadhara iyo inowanikwa chikwereti chiripo iye zvino chiri kutarisira kutengeswa asi haichavhari (nekutumidzwa kunyorera kumudzidzi mutsva) isati yaita mutengesi, mutengesi anogona kushandisa ikozvino chibvumirano chekutsvaga, icho chave chichitsvaga rakapfuura mari yekutsvaga mari, kubvisa chikwereti chekubhadhara chikwereti kubva kune chikwereti chikwereti kusvika kune chikamu chekuwana.
Vanhu vanotora chikwereti vanokweretesa vanofanira kuramba vachida kutevera mari yakazara yekubhadhara mari uye mari yezvokuchengetedza mari apo anokwereta anotendeuka iye zvino iye zvino nzvimbo yekugara kune imwe nzvimbo yekubwirwa.
Zvose zviviri zvinoshanduka zvinonzwisisika uye zvinopfuura.
Iko kushandurwa kunogamuchirwa nekutendwa kubva kune zvivako uye zvekutengesa vashandi mukuwedzera kune vakawanda vaizova vashandi vemusha vakambotambudzwa nechekare yezvinyorwa pasi.