Mumwe muverengi anoti: "Ndave ndichiedza kutenga imba yangu yekutanga asi mumatengo emari ndiri kutarisa, misha yose inoita kunge iri pfupi kutengesa. Mumiriri wangu ari kuedza kunditaura kunze kwekutenga kutengesa kutsva nokuti anoti mabhanki angadai achinetseka mberi kwekushanda kupfuura kutengesa zvishoma. Izvozvo ichokwadi here? Mabhengi anoita mari yakawanda pamusoro pekutengesa kudarika kutengesa kwepfupi? "
Mhinduro: Mubvunzo wekuti bhengi rinogadzira mari yakawanda pamusoro pekutengesa kudarika kushambadzira pfupi kunowanzoenderana nebhandi rimwe nerimwe uye / kana vashandi.
Takave takashambadzira misika yemasvingo kubva muna 2005 iyo yakaona zviziviso zvekufananidzira zvakaiswa mune zvisati zvamboitika. Yakanga iri mapenzi. Uyezve, inenge hafu yezvigadziriswa zvechikwereti zvakaitwa zvakadzokera kumashure mushure mekunge vapiwa. Musika waiva mhepo.
Kuti uwedzere kunetseka nyaya, mune dzimwe nyika dzakadai seArizona, mabhanga haagoni kutengesa imwe nzvimbo kune zvinopfuura chikwereti chayo. Nyika imwe neimwe ine mitemo yayo. MuCalifornia, somuenzaniso, kana muridzi wemba akatora chikwereti chemari yekuenzanisa mushure mokuvhara kutengesa uye zvisingachafadzi, uyo anokweretesa wechidiki angave nekodzero yekutsvaga kushayikwa kwekutonga , pasinei nokuti imba yacho yaitengeswa nekutengesa kutsva kana chikwereti chakanga chiri akadzimwa kuburikidza nekufananidzira kwekweretesa kokutanga.
Sei Mabhanki Anofanirwa Kutengesa Pfupi Pamusoro pekufananidzira?
Mabhangi anoshandiswa sebhizimisi nokuti ivo ibhizinesi. Ivo vari mubhizinesi rekuita purofiti. Kana zvinodhura zvakawanda kuti zviitwe mberi pamusoro pekubvuma kutengeswa pfupi, bhangi inonyanya kufarira kutengeswa pfupi.
Dzimwe nyanzvi dzinofanotaura kuti mabhenji anogona chaizvoizvo kuita 20% kusvika ku30% mukutengeswa pfupi pamusoro pekufambisa. Zvisinei, mune dzimwe nyika dzakadai seFlorida, zvinodhura zvishomanana kudongesa kufanirwa nekuona nzira kuburikidza nekuguma.
Kana bhizinesi inogamuchira chipo chiri pedyo nekodzero yemari , bhagheni inogona kunge yakagamuchirwa kubvuma icho icho panzvimbo yekufananidza.
Chikonzero chiri mushure mekufananidzira, kana bhanhire iri kuda kutengesa imba, hazvigone kuwana chikwata chepamusoro pane kutengeswa kutsva patafura. Kune rumwe rutivi, kana bhenji ichifunga kuti misika yemugove inogona kuonga, kufanirwa kunogona kunge kuri kubhadhara mari yebhangi.
Vatapi veMabasa Vanogona Kusarudza Kuti Vaizopa Senguva Pfupi Here kana kuti Kurudzira Kufanirwa
Maererano neNational Consumer Law Center, inenge zvikamu zviviri kubva muzvitatu zvezvikwereti zvakaitwa kubvira muna 2005 zvakachengetedzwa. Securitization inzira inosanganisira kuunganidza mazana kuzviuru zvezvikwereti mune imwe purasi uye kutengesa iyo purogiramu mumusika wechipiri. Kakawanda, mutengi is trust. Tariro dzinoumbwa nevarimi.
Mushure mokunge zvikwereti zvikanganiswa uye zvichitengesa, chivimbo chinobhadhara mutengi webasa kuti awane mari yepamwedzi uye kugovera mari kune varairidzi. Chibvumirano ichocho chekuchengetedza chikwereti chinonzi kusungirirana uye kushandiswa kwechibvumirano kana PSA .
Hazvibatsiri zvishoma kune vatsigiri vebasa kana mari yeimba inowira kana imba inopinda mukufananidzira nokuti mupi webasa anobhadharwa zvisinei. Vatapi vebasa vanoita mari nenzira dzakasiyana-siyana dzakadai sokugamuchira mari yebasa, kushandiswa kwemari kusingabhadharwi, kufambidzana kwechido uye uye / kana kubva kune zvinowanikwa mune zvekutsvaga muzvikwereti izvo zvinopa mupiro.
Sangano re National Consumer Law Center rinoti vatapi venhepfenyuro vanowanzoda kutengeswa kwenguva pfupi nokuti vateresi vebasa vanobhadharwa kakawanda zvakapiwa mubhadharo wekutengeswa pfupi kupfuura kugadziriswa kwemari chikwereti.
Zano: Kana bhizimisi rekutengesa shoma ndiro Wachovia, iro rakatenga World Savings, bhangi iroro rinoda kuita zvishomanana kutengeswa pamusoro pekufungidzira. Mumwe wevekuWachovia akandiudza bhangi inoita mari yakawanda nekutengeswa pfupi kudarika kufanirwa. Wachovia ihopu yepodfolio, iyo inoreva kuti zvikwereti zvinogara mumba. Ndagamuchira mvumo yekutengeswa kwenguva pfupi kune vashomanana veWachovia kutengesa kutsva mu Sacramento mumazuva mashoma mazuva manomwe.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.