Pane zvikonzero zvitatu zvisungo zviri pasi pengozi. Kutanga, vane zvikwereti kune masangano makuru, akadai semaguta, makambani uye nyika. Vanowanzokwanisa kubhadhara zvikwereti kupfuura vanhu.
Chechipiri, vatengesi vane chikonzero chakanaka chekutenda chisungo chaicho chiri pangozi shoma.
Izvozvo ndezvokuti zvikwata zvehurumende zvinodzidza kambani imwe neimwe uye kusungwa. Vanotaura nezvekuchengetedzwa kwezvinhu izvi.
Chechitatu, zvisungo zvinogona kuiswazve pamusika wevanhu vose. Izvo zvivimbiso zviri nyore kutengesa. Mumwe mutengesi haafaniri kuchengetedza chisungo kuburikidza noupenyu hwechikwereti.
Bhengi vatengesi vari kutsvaga zviitiko zvisingatarisirwi, asi vamwe vanoda kutora njodzi yakawanda yekuwana kudzoka zviri nani. Ndokusaka pane marudzi akasiyana ezvisungo . Zvibvumirano zvakanyanya-pangozi, sezvipfeko zvisingabatsiri uye zvishambadziro zvisungo zvemashamba , uyewo vane kudzoka kwakanyanya. Zvikwereti nemusana wepakati uye kudzoka zvinosanganisira mabhizimisi akawanda. Izvo zvakasungwa zvakachengeteka zvinosanganisira mahofisi emumatare ehurumende uye US Government Treasury notes .
Zvikwereti zvinokonzerwa nehuwandu kupfuura hutano hwakawanda nokuti hwakareba-nguva, kazhinji makore 15 kusvika ku30. Izvozvo zvinoreva kuti vanoita nharo pamwe nezvisungo zvakachengeteka zvevose , US Treasurys . Pfuma inopiwa pamakore gumi nemakumi matatu emakore. Vashandi vasina mari yavo kwenguva refu vangasarudza matanho nokuti vanopa kudzoka kwakakwirira kudarika Treasurys.
Mari yezvivigiro zveHurumende inokanganisa Mortgage Rates inonyanya
Mabhangi anochengetedza chikwereti chezvikwereti pane zvikwereti zvekwereti chete mashomanana mashoma kupfuura Treasury manotsi. Sezvo mari yehupfumi ichitsigirwa nehurumende yehurumende, ivo vanochengeteka uye vashandi havasi kutora mazinga akakwirira .
Sezvo huwandu hwezvikwereti paHurumende yeUnited States huchiwedzera, zvinoreva mabhengi anogona kukwidza mari yezvikwereti pamitengo mitsva.
Vashandi vemusha vanofanira kubhadhara mari imwe neimwe mwedzi mumwe nomumwe wekwereti imwe chete. Inovapa vashoma kuti vashandise pamutengo weimba. Kazhinji, kana chikwata chinokwira chichikwira, dzimba dzeimba dzinowira.
Kunyange zvazvo zvikwereti zveHarare zvinodzoka zvakaderera, zvinonyanya kukosha pamitengo yekutenga chikwereti . Izvi ndezvokuti vatengesi vari mumusika wekutengesa mari-inotsigirwa kuchengetedzwa vanotarisira huwandu hunodarika huwandu hwezvikwereti zvepamusoro-pfu kupfuura yeHaidurys.
Ndezvipi zvingatengeswa? Izvo zvivimbiso zvinotsigirwa nemitengo yekubhadhara iyo mabhanho emari. Panzvimbo pokuvatora kwemakore 15 kusvika ku30, mabhenji anotengesa zvikwereti kuna Fannie Mae naFreddie Mac . Vanovatengesa pamwe chete uye vanovatengesa pamusika wechipiri . Ikoko ndiko kwavanotengwa neheji mari uye mabhanga makuru.
Dambudziko rezvemari rakaratidza kuti zvikwereti zvakawanda zvekutengesa-zvakatsigirwa zvakanga zvisina kuchengeteka sezvakaitwa nevashambadziri. Izvo zvaiva nepamusoro uye zvisingazivikanwi mazinga e subprime mortgages .
Chikonzero Nei Pfuma Yepamusoro Mitengo Isina Kubatsira Chivako muna 2013
Muna 2012 uye 2013, matengo emba akanga achiwedzera kubva ku 33% kudonha kwakonzerwa neHarare Recession . Munzvimbo dzakawanda, mutengo wakapetwa kaviri mugore chete. Icho chaiva chiratidzo chokuti vazhinji vepanzvimbai vepfuma vaitsvaga.
Sezvo mutengo wakasimuka, ivo zvakare vakafunga kuti dzimba yaive yakanaka. Vazhinji vevatengi vakashandisa mari, iyo yakanga yakagara kune imwe nzvimbo kana kuiswa mune zvimwe zvinhu zvakadai segoridhe. Vaya vatengesi havana hanya kana zvikwereti zvikabuda nokuti havana kutora mari yekugadzirisa mari.
Vamwe vashandi vaiwana mari, asi vaiziva kuti pakanga paine nzvimbo yakawanda yekutengesa kwemaimba kuti iwedzere. Vainzwa vane chivimbo chekuti dzimba dzaive dzichiri mari yakajeka, kunyange kana zvikwereti zvinokwira zvishoma. Sezvo dzimba dzichidzokorora maitiro akawedzerwa, varidzi vepamba vakawanda vainge vakaderera pasi pamari yavo yekugadzirisa mari vanogona kutengesa imba iyoyo uye kutenga imwe itsva.
Pakupedzisira asi kwete, sezvo hupfumi hwakaramba huchivandudza, vanhu vazhinji vakadzokera kubasa kwekutanga kokutanga mumakore. Vangave vachigara nehama kana shamwari uye pakupedzisira vanogona kuenda kunze uye kutenga imba.
Saka kunyange zvazvo hupfumi hwehutano hwepamusoro hunokonzera kutenga mari yekutengesa kuwedzera, haina kukonzera mutengesi weimba.