Freddie Anoitei?
Mabhangi anoshandisa mari yakagamuchirwa kubva kuna Freddie kuti aite zvikwereti zvitsva kune vashandi vemusha. Iko kunowedzera misika yemumba uye inobvumira vamwe veAmerica kuva vimba.
IFHLMC inopa mabhengi kukwanisa kugadzira makore makumi matatu emakore.
Pasina Freddie, mabhenji aifanira kuchengetedza chikwereti mumabhuku avo kwemakore makumi matatu. Izvozvo zvingasunga mari yakawandisa. Izvo zvaizovawo zvisina ngozi. Iwe unogona here kufungidzira kuti vangani vanhu vangasipo makore makumi matatu?
Freddie anotsvaga MBS kune vatyairi pamusika wechipiri . Izvo zvinobvumira vamwe vashandi kuti vashandise kubva kune imwe nzvimbo yeimba. Freddie anoshandisa mari yakawanda kutenga mamwe mabhengi emari. Icho chinotanga kushanda kwose zvakare.
Iyo Inoshanda Sei
IFHLMC inotenga zvikwereti kubva kumabhangi nevamwe vanokweretesa. Inobatanidza mhando dzakadai dzezvikwereti muzvikwata. Iko zvino inotengesa zvikamu zvezvikwama kune mari yepenjeni, mutual funds, uye makambani einishuwarenzi.
Freddie anovimbisa kuti varimi vachawana kubvumidzwa-kubhadhara mwedzi mumwe nomumwe. Mari yeUnited States inotsigira chikwangwani.
Paunenge uchiita mari yako yekubhadhara, unobhadhara kuFHLMC. Freddie anotora chikwereti chako nevamwe uye anozvitumira kuvarimi.
Iyo haitengesi zvese zvinotengesa mari iyo inotenga. FHLMC inochengetedza vamwe semarima.
Iyo Inobatsira Sei Kuwanda Kwemari
Freddie Mac anokanganisa hupfumi hweUnited States kuburikidza nekuderedza chido chekuda . Izvo zvinoita kuti zvikwereti zvakawanda zviwanike kune vashandi vepamba vatsva. Semuenzaniso, kuderedza chiyero kubva kubva pa8,5 kusvika ku8 kubva muzana kwakabvumira 791 000 mhuri dzinotora mari yakaenzana kutenga misha.
Freddie Mac anoitawo chido chekuda mari yakawanda. Munharaunda yedzinza remunyika yacho, mari yekubhadhara mari yakasiyana-siyana ne1.7 muzana muna 1970. Nhasi, musiyano iwoyo ndewe 0.1 muzana chete.
Sezvo ichisimudzirwa, Freddie atanga mapurogiramu ekubatsira vabatsiri vepamba kuti varege kudzivirira. Zvimwe ruzivo rwezvirongwa izvi zvinogona kubatsira kutungamirira vanhu mukutora matanho ekudzivirira kudzivirira.
Freddie Mac anokurudzira misika yemusha. Munguva dzakanaka, kuvaka dzimba dzaive ne5 muzana yehupfumi . Nokuita kudaro, zvinoumba upfumi kune vimba vepamba vanowana huwandu hwakakwana kubva kumisha yakakwirira-yekutengesa.
Iyo Inokubata Sei Iwe
Freddie Mac anoderedza chido chekufarira pane zvikwereti zvaunowana kubva kubhangi. Zvechokwadi, inofungidzira iyo inoderedza chikamu che 0.5 muzana, iyo inoshandura kune $ 12,000 pamusoro pehupenyu hwe $ 100,000 chikwereti.
Freddie Mac anopawo misika yemagetsi yemwedzi. Kana iwe uri kufunga kugula kana kutengesa imba, tarisa maziso eFHLMC. Vanokupa pfungwa yakanaka yezviri kuitika mumusika wemaimba.
Who Owns Freddie Mac
Hurumende yeUnited States inoshandisa Freddie Mac uye Fannie Mae. Muna 2006, Munyori wenyika yeHarare Paul Hank Paulson akaparidzira vaviri vacho. Izvi zvisati zvaitika, Fannie naFreddie vaiva mabhizimusi aibhadharwa nehurumende.
Vaiva makambani aive nezvinangwa zvekuita kuti vashandi vawedzere kukoshesa. Zvose izvi dzakatonyorwa muNew York Stock Exchange . Nokudaro, vatungamiri vavo vakaedza kushanda sevanobatsira semakwikwi emabhengi ega.
Vakanga vakasiyana nedzimwe makambani munzira huru. Hurumende yeHurumende yakavimbisa kubhadhara zvikwereti. Izvozvo zvakaita kuti varege kuisa njodzi. Vakatomanikidzwa kuti vaise pangozi yekuvandudza kudzoka kwavo vachiziva kuti havazombofi vakaparara.
Fannie naFreddie vakawana kuti kuchengetedza zvizhinji zvezvinhu izvi zvaibatsira zvikuru. Ichi chakaremera mumagariro avo akaiswa pachena apo subprime mortgage crisis yakawedzera. Sezvo dzimba dzeimba dzikawira muna 2006, kukosha kwezvikwereti zveGSEs zvakapera.
Pane kuvabvumira kuti vaende, Paulson akatenga zvikamu zvavo. Stockholders vakarasikirwa nezvose, kunyange zvazvo vaizove kana makambani akanga apera.
Dai vakanga vasina kutaridzirwa nyika, pane zvingadai zvisina kumbove nemakethe emumba chero chipi zvacho. Ndizvo nokuti mabhengi akangomira chikwereti pasina hurumende inovimbisa. Mushure mokurudzirwa, Fannie naFreddie vane zvikamu makumi mapfumbamwe zvezana zvemakisi ekuAmerica.
Freddie naFannie
Freddie Mac ndiye "mukoma muduku" kuna Fannie Mae , Federal Federal Mortgage Association. The Emergency Home Finance Act ye 1970 yakagadzira FHLMC kukwikwidzana naFannie Mae.
Kusvikira Mutemo, Fannie Mae achingozvitenga Federal Housing Association yakabvumirwa zvikwereti. Zvaiva nyore kuti vadzidzise pamabhuku ayo, pane kuvadzivirira. Freddie akachinja izvozvo. Inogona kutenga chero chikwereti uye kuchengetedza vazhinji vavo. Ikokutanga kusiyana pakati paFreddie Mac naFannie Mae vari mumiti yavo yekutengeserana nemakambani anotarirwa.
Mutungamiri Johnson akashandura Fannie kuva musangano wekutengeserana pachena makore maviri apfuura. Ndizvo zvaaida kuti ashandise bhajeti yake kuti awane mari yeHondo yeVietnam.
Freddie Mac akazoparidzira muna 1989. Mari Yezvemari Inoshandiswa Kuchinja, Kuvandudza, uye Kuita Mutemo akaita shanduko yekupindura kuChengetedza uye Kuda Mari .