2012 Fannie Mae Short Kutengesa Zvido

Fannie Mae Zvishomanana Zvisingatombogoni Kurambwa Zvisina Mhirizhonga

Hurumende yeUnited States, kusvika musi waNovember 1, 2012, yakanga ichitaurira varidzi vemari kuti varambe vachiita mari yavo yekubhadhara uye vachienda mukufananidza . Izvi zvingaita sezvinongoita chimwe chinhu chaunogona kuverenga mumusayenzi wenhema wenhema, asi chokwadi kazhinji hausi mutorwa kunze kwenhema. Nguva zhinji, musati waNovember 1, ndakatarisa Fannie Mae, aiva ne79.9% nehurumende, achikumbira kudengenyeka kusati kwabvumirana kutengesa kutsva .

Asi izvo zvakachinja November 1.

Nhoroondo Pfupi yaFannie Mae

Munoona, Fannie Mae, pamwe naFreddie Mac, vane zvipfeko zviviri zvezvitoro zvinenge zvikamu zvitatu kubva kune zvitatu zvekutengesa muUnited States. Kubva pakutanga kwaFennie Mae muna 1938 - kwakagadzirwa naMutungamiri Franklin D. Roosevelt neCongress kuti vatenge mari yekutengeswa mumisika yepamusoro - kugoverwa kwayo muna 1968, Fannie Mae akasimuka kuti anyore purogiramu vasati vatengesa mari yakawanda muna 2007. Fannie Mae yakaiswa muhurumende yekuchengetedza hurumende munaSeptember 2008, pasi pe Federal Federal Finance Agency.

Maererano neBanilout Tracker yaCNNMoney.com, Fannie Mae akagamuchira mari inodarika madhora mazana maviri emadhora kubva muHuman Trouble Asset Relief Program (TARP) Ngatitaure kunyange nezvemamirioni emadhora emabhonasi anopiwa kuvatongi varo, mukudzorera kune izvo vamwe vatsoropodzi vanodana Vateresi veAmerica.

Chii Chakatengeswa naFannie Mae Short?

Fannie Mae anowedzera imwe nhepfenyuro kune nzira shoma yekutengesa .

Kazhinji, mutengesi achaunza dambudziko uye imba ichave yakaderedzwa-pasi kuti iwane chikwata chiduku . Kamwe mutengesi akagamuchira chipo chokutengesa kushambadzira kwenguva pfupi, kupiwa, pamwe chete nemamwe mabhuku akakodzera, kunotumirwa kubhangi revatengesi.

Kana bhengi iri kungoshandisa mhomwe yacho nokuti chikwereti chakatengeswa kuna Fannie Mae, kwete chete bhandi rekushandisa rinotengeswa pfupi, asi iyo purogiramu ichazoendeswa kuna Fannie Mae kuti inogamuchirwe.

Izvi zvinoreva kunyange kana bhengi mutengesi achibvumirana kutengeswa pfupi, mutengesi achange achida kubvumirwa kwaFennie Mae, kupa hurumende isina simba rakapiwa . Fannie Mae kutengesa zvishoma kutora nguva yakareba kuti apfigire.

Ko Mutengesi Anogona Kuramba Aripo Uye Anoita Senguva Pfupi yaFennie Mae?

Mhinduro yacho inoratidzika kuva hongu. Kusati kwaNovember 1, 2012, vatauri vePannie Mae vakanga vatonditaurira nekudaro kuti Fannie Mae haazobvumirwi kutengeswa pfupi kana mutengesi asiripo. Vamwewo vatengesi vakaita seBhange reAmerica uye Wells Fargo havamanikidzi mutengesi kuti asiye uye achapa kutengeswa pfupi kana mutengesi aripo.

Ndine ruzivo rwekushanda pa Fannie Mae zvishomanana zvekutengesa mu Sacramento. Heano muenzaniso wokutengesa. Bhizinesi reAmerica rakabvumira kutengeswa pfupi mumavambo e2012 uye vakatumira chikamu kuna Fannie Mae kuti chiongorore. Fannie Mae akabva aramba kutengeswa kwepfupi nokuti mutengesi akanga achiri kuita chikwereti chekubhadhara mari. Saka, mwedzi unotevera, mutengesi akasarudza kusaita mubhadharo. Mazuva makumi matanhatu gare gare, Fannie Mae akabvumira kutengeswa pfupi.

Will Fannie Mae Anotsvaga Mutengo Wecheti kana Mutengo Wenguva Pfupi Uri Kutarisira?

Zvinosuruvarisa, mhinduro yacho inoratidzika kwete. Pane imwe nguva chiziviso chekutadza chave chaiswa, Fannie Mae akati hazvizogadziri matanho ekutsvaga asi ichiri kutarisa kutengeswa pfupi.

Kana kutengesa kutsva hakugoni kugadziriswa zuva risati rasvika, Fannie Mae achatarisa-kunyange kana chikonzero chekutengeswa pfupi kusagamuchirwa nekuda kwekunonoka pa Fannie Mae.

Aya haasi nyaya inotyisa here? Pachigadziko chakajeka, mushure meNovember 1, 2012, hurumende yarega kumhanyisa vatengesi avo vangadai vakaramba varipo panguva yavo yekubhadhara mari yekuisa mari mukutangira. Zvinosuruvarisa, kana chirongwa chekutsvaga chakatanga, hurumende ichabvisa imba yaiye akwereta kana kutengeswa pfupi kusingagumi musati watengeswa zuva.

* Kuvatengesi vanovhara zvishomanana mushure meJune 30, 2012, kana mutengesi ari nhengo yemasoja ane Permanent Change Orders, Fannie Mae achabvumira mutengesi kuti arambe aripo iye zvino. Nhungamiro mutsva yakabudiswa neHFFA, yakabatanidzwa musi waNovember 1, 2012, inobvumira vatengesi vane dambudziko kuti varambe varipo uye vachiri kuita Fannie Mae kutengeswa pfupi.

Kana iwe uchida kuziva kana chikwereti chako chakachengetwa na Fannie Mae, enda kunzvimbo ye Fannie Mae Loan Lookup.

_{Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.}