Chii Chakakonzera Kutambura Kwemari?
The American Dream
Kuva neimba chikamu che " American Dream ". Inobvumira vanhu kuti vazvirumbidze mune imwe nzvimbo uye vanobatana nevanharaunda kwenguva refu. Zvisinei, dzimba dzinodhura (mumazana ezviuru zvemadhora - kana kupfuura), uye vanhu vazhinji vanoda kukwereta mari kutenga imba.
Mukutanga kwema2000, iyo kurota yakazosvika kune nhoroondo yevanhu. Mari inotora chikwereti yakaderera yakaderera, zvichibvumira vatengi kuwana zvikwereti zvakakura zvakadhadharwa nemari inowanikwa mwedzi mumwechete (ona kuti mari inotarirwa sei kuona kuti madhigirii akaderera anorevei mari). Mukuwedzera, mutengo wemusha wakawedzera zvinoshamisa, saka kutenga musha kwakaita sebhati yakatendeseka. Vatengesi vaidavira kuti dzimba dzichigadzirisa zvakanaka, saka dzakagadzirira kupa chikwereti kune dzimba uye inowana mari apo zvinhu zvaive zvakanaka.
Kushitsa kunze
Zvinhu zvaive zvakanaka kune venguva yekutanga yekutenga misha , asi varidzi vedzimba vaivapo vaibatsirwawo nyore nyore nemari yakaderera.
Nekutengesa kwemitengo kumusha, varidzi vemba vakawana pfuma yakawanda mumisha yavo. Vaiva nehuwandu hwakaenzana, saka sei uchiita kuti igare mumba? Vaimba vepamba vakagadzirisa uye vakatora chikwereti chechipiri kuti vawane mari kubva mumisha yavo. Imwe yemari iyi yakashandiswa nekuchenjera (pane kuvandudzwa kweimba yekuwana chikwereti).
Zvisinei, vamwe varidzi veimba vakashandisa mari yekugara mari uye nezvimwe zvidikanwi, kuchengetedza mararamiro akanaka ehupenyu apo mubairo wakaramba uripo.
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Mari Yakajeka Pamberi Pechipateri Chinotambudza
Mabhangi akapa mari nyore nyore mari isati yasvika. Vanokwereta vakapinda muzvikwereti zvakanyanya kune ngozi zvakadai sokusarudza-ARM , uye vakakwanisa kubhadhara mari kana zvinyorwa zvishoma. Kunyange vanhu vane chikwereti chakaipa vanogona kukodzera sepa subprime chikwereti.
Vanokwereta vane ngozi: Vanokwereta vakakwanisa kukwereta kudarika kare, uye vanhu vane zvikwereti zvishoma zvekubhadhara vachiwedzera se "subprime" vakwereta . Vatengesi vanobvumirwa "pasina magwaro" uye "pasi madhembedhi" zvikwereti, izvo zvisingatsvaki kugadziriswa kwemari yaiye akakwereta nemari (kana kuti mitemo yekuongorora yakasununguka).
Zvinhu zvinokuvadza: Mukuwedzera pakugamuchirwa nyore, vakwereta vaikwanisa kuwana zvikwereti izvo zvakavimbisa kwenguva pfupi inobatsira (ine ngozi dzenguva refu). Sarudzo-ARM chikwereti chakabvumira vanokwereta kuti vaite mari shoma pane chikwereti chavo, asi mari yezvikwereti inogona kuwedzera kana zvikwereti zvisingakwanisi kubhadhara mari yekufarira . Nharaunda dzaifarira dzakanga dzakaderera (kunyange zvazvo dzisiri pamatsika epamusoro), saka mari dzechihedheni dzakasarudzwa dzingangodaro dzaive dzakanaka.
Kunyengera: Vatengesi vaida chaizvo kutenga mari, asi vamwe vatengi vemusha uye vatengi vemari vanotengesa vakawedzera mafuta kumoto nokupa ruzivo rwakakwana pamabasa ekubhadhara chikwereti. Chero bedzi bato racho risati rapera, zvose zvakanga zvakanaka. Imwe mitengo yemusha yakakundwa nevakwereta vakanga vasingakwanisi kubhadhara chikwereti, chokwadi chakabuda.
Kuvhara Liquidity
Mari yese yezvikwereti yakabva kupi? Paiva nehuwandu hwehupfumi hwakatenderera pasi pose-hwakakurumidza kuomeswa pakureba kwematambudziko ekubhadhara mari. Vanhu, mabhizimisi, uye hurumende vaiva nemari yekuisa mari, uye vakagadzira chido chekutora mari-yakabatanidzwa senzira yekuwana mari yakawanda muhuwandu hwehuwandu hwehuwandu hwemamiriro ezvinhu.
Secondary markets: Mabhenji anoshandiswa kuchengetedza mabhiriji pamabhuku avo. Kana ukakwereta mari kubva kuBan A, iwe unogona kudzorera kubhengi A, uye ivo vangarasikirwa nemari kana iwe usina kukwana.
Zvisinei, mabhengi iko zvino anotengesa chikwereti chako, uye inogona kuwedzera kugoverwa uye kutengeswa kune vakawanda varairi. Izvi zvikwereti zvakaoma zvikuru, saka vashandi vakawanda vanovimba nemasangano ehurumende kuti vaudze kuti zvakachengeteka sei zvirimwa (pasina kunyatsonzwisisa).
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Nemhaka yokuti mabhangi uye vatengesi vatengesi vakanga vasina ganda muchengeti (vaigona kungotengesa zvikwereti vasati vaenda zvakaipa), kukosha kwehukwereti kwakaipa. Pakanga pasina kuve nekuzvidavirira kana kukurudzira kuti vateresi vaigona kubhadhara zvikwereti.
Matanho Okutanga Ematambudziko
Zvinosuruvarisa kuti, hukuku huya huri kumusha kuti hurumende uye dambudziko rekutengesa mari rakatanga kuwedzera muna 2007. Imba yemitengo yakamira kusimuka pakureba, uye mutengo wakatanga kuwira muna 2006. Vakwereta vakatenga mamwe musha kupfuura zvavaigona kutenga vakagumisa kuita mari yekubhadhara. Kuita kuti zvinhu zviwedzere kuipa, mwedzi wepamwedzi kubhadharwa kwakawedzera pachinogadziriswa chiyero chekugadzirisa zvikwereti sehuwandu hwezvibereko zvakasimuka
Vaimba pamba vane misha isina kugadziriswa vakasara vane zvishoma zvisarudzo. Vaikwanisa kutarisira bhanhire kuti rive rakanyanyisa , vanogonazve kudzokorora chikwereti chavo muchirongwa chekuita basa , kana kuti vanogona kungoenda kubva pamba uye vasina . Ichokwadi kuti vakawanda vakaedzawo kuwedzera mari yavo uye kudhura mari. Vamwe vaikwanisa kuvhara mari, asi vamwe vakanga vatova kure kumashure uye vakatarisana nemari yekubhadhara mari iyo yakange isingagumi.
Nenzira, mabhengi aigona kuwana mari yavakakweretwa panguva yekufanirwa . Zvisinei, dzimba dzekugara dzakasvika pamwero wakawanda zvokuti mabanki ari kuwedzera kurasikirwa kukuru pane zvikwereti zvisiripo. Ita mitemo uye rudzi rwechikwereti chakatarirwa kuti kana kwete vateresi vangaedza kuunganidza kushayikwa kupi zvako kune vakwereta .
The Plot Thickens
Pane imwe nguva vanhu vakatanga kutadza kubhadhara zvikwereti mumatare ezvinyorwa (uye kamwechete shoko rakapoteredza zvinhu izvo zvakanga zvakaipa), dambudziko rekutengesa rakanyatsopisa. Mabhangi nevarimi vemari vaitanga kurasikirwa nemari. Nzvimbo dzezvemari dzakasarudza kuderedza kusarudzwa kwavo pangozi nokukurumidza, uye mabhangi akazeza kukweretesa mumwe nomumwe nokuti havana kuziva kana vaizombobhadhara zvakare. Ichokwadi, mabhangi nemabhizimisi vanoda mari yekuyerera kuti vashande zvakanaka, saka hupfumi hwakasvika pakukanda.
Bhizinesi rekushaya simba (uye kutya) zvakaita kuti bhanhire risakundikana . I-FDIC yakamisa vashandi pakugadzirira mazana emakondomu ekukwereta akonzerwa nematambudziko ekubhadhara mari, uye zvimwe zvinyorwa zvebhengi zvakaderera. Vanhu vose vakaona zvikwereti izvi zvakakundikana uye kutya kunowedzera. Muchiitiko chakaitika, takakumbirwa kuti mari yemusika mari inogona "kuputsa buck."
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Zvimwe zvikonzero zvakakonzera kuoma kwematambudziko ekubhadhara mari. Iko mari yeUnited States yakaderedza, uye puropu yemari yakakwirira yakakuvadza vatengi nemabhizimisi. Zvimwe zvakaoma zvikwereti zvemari zvakatanga kusunungura pamwe chete.
Mitsva yekufungidzira
Vagadziri vemitemo, vatengi, mabhengi, uye mabhizinesi vakatsamwa kuti vaderedze migumisiro yekutengesa mari. Rinobva pane zvakakosha zvezviitiko uye richaramba richienderera kwemakore anotevera. Vanhu vose vakaona "kushandiswa kwemasese" uye vakavhiringidzika kuti vazive kuti nyika yakagadzirwa sei.
Izvozvo zvinogadziriswa kune vashandi vazhinji ndezvokuti zvakaoma kuti zvikwanisire kutenga mari yekutengesa kupfuura zvaive mumakore ekutanga-kusvika-pakati pe2000. Vatengesi vanodikanwa kuti vaone kuti vakwereta vane kodzero yokuripa chikwereti - iwe kazhinji unoda kuratidzira uchapupu hwekuwana mari yako. Imba yekukwereta yemusha ikozvino yakaoma, asi tarisiro, hurongwa hwemari huri hutano kupfuura kare.