Maitiro Edzimba yeMatengesi Anoshanda Sei
A subprime mortgage chikwereti chakapiwa kune mumwe munhu asingawanzokodzera.
Izvi zvinogona kunge zvichibva pamari, mari yakawanda yechikwereti kana mbiri. Sekuchengetedza, zvikwereti izvi zvinowanzova nehuwandu hwekuda. Zvizhinji zvezvikwereti izvi zvakaitwa sekugadziriswa kwemari yekugadzirisa mari , izvo zvinoreva kuti mitengo ichagadziriswa kwenguva yakawanda uye kuwedzera mwedzi yemwedzi.
Iyo subprime mortgage loans yakakonzera dambudziko guru rekutadza uye saka mabhangi anowanzogadzirisa chikamu chavanazvo pamabhuku. Kunyange zvakadaro nekuderera kwechikwereti chezvikwereti zvemakore mashomanana apfuura vamwe vanhu vakawanda vaisazowanzokwanisa kuwana mari yekubhadhara mari vakatora mari yekuderera kwechikwereti uye vanowana mari. Vakawanda vevanhu ava vakazvigadzirisa kusvika kumagumo, vachifunga kuti vaizogona kugadzirisa apo chido chavo chekufarira chichigadziriswa. Iyo dzimba yakaguma uye vakawanda havana kuvaka zvakaenzana sezvavakanga vachitarisira uye havana kukodzera kugadzirisa zvikwereti zvavo. Vakaona kuti havagoni kubhadhara uye vakatanga kutadza kuisa mari.
Secondary Mortgage Market
Yechipiri yekutengesa misika yemisika ndiyo yemusika apo mabhangi anotengesa mari kune mamwe mabhangi. Vachagadzira mapoka ezvitoro pamwe chete, uye kutengesa mapoka kune mamwe mabhangi. Mukufungidzira, izvi zvinopararira njodzi pakati pezvikwata zvakawanda uye zvinodzivirira munhu wose kana misika yemumba yaifanira kuputika mune imwe nzvimbo.
Fannie Mae naFreddie Mac ndivo vanokosha pakubatsira chikamu chechipiri chekutengesa mari. Vanotenga zvikwereti kubva kumabhanki ekutanga, kuitira kuti mabhangi ave nemari yekuita zvikwereti zvitsva uye ozvitengesa kune dzimwe mabhanga, kazhinji mabhengi ekutsvaga. Yechipiri yemari yemari yemari inosangana nedambudziko apo makambani ekutsvaga mari, dzimwe nyika, uye mabhenji akamira kutarisira kutenga mabheji aya. Vakanga vachitya kuti vakanga vasisipo kukosha nokuda kwezvakaitika munguva pfupi yapfuura uye zvakashata pane zvose subprime mortgages.
Bailout
Hurumende yeUnited States yakapa kubhadhara mari uye yakabvumirana kudzorera mari zhinji iyo Fannie Mae naFreddie Mac vakabata musi waSeptember 6, 2008. iyo misika yakaratidzika kunge yakatowedzera parizvino kuti iyo zvikwereti zvakavimbiswa. Nokudaro, hurumende yakabvuma kuvhara kusvika madhora mazana maviri emadhora mabhiridha kuitira kuti misika igare yakasviba.
I Fannie Mae naFreddie Mac bailout vakanga vasina kukwana kuchengetedza mahofisi maviri makuru ekutsvaga muUnited States. Lehman Brothers vakadudzira kubhadhara vhiki inotevera, uye Merrill Lynch akatengeswa kuBan of America. Izvi zvakakonzera dambudziko paWall Street uye zvakaguma nokuderera kwekutengeswa kwemari yemabhizimisi kuUnited States uye kumativi ose enyika.
Kuvimba kwevatengi kwakazununguswa sezvo AIG yakatarisana nedambudziko pamwe chete.
AIG yakapinda mumatambudziko kuburikidza nekupa michina yemishuwarisi iyo yaibhadhara chikwereti ichiita kune vatengesi apo zvikwereti zvakazoitika. Nekuwedzera kwekupedzisira kwekutadza, kambani yakawana kuti vakanga vasisakwanisi kuvhara zvose zvisiri izvo. Ihurumende yeUnited States yakapinda zvakare uye yakatsigira AIG kuitira kuti irege kuenderera mberi zvakare.
A Kuwana Misika uye Zvaunofanira Kuita
Zvakatora makore mazhinji kuti misika yemumba iwanezve. Vanhu vazhinji vakaguma vachirasikirwa nemisha yavo, uye mabhenji akatanga kuchenjerera zvikuru pamusoro pokukweretesa mari kuvanhu. Mitengo yemisha yakawira, asi iri kutanga kuona kuwedzerwa kwehuwandu zvakare. Zvisinei, mabhangi anonyanya kuchenjera pamusoro pokukweretesa mari kuvanhu.
Vailouts uye kushandiswa kweparadhodhi dzegoridhe kune vatungamiri vakatungamirira makambani avo vachida kubhadhara bhailout vakaendesa kuWesupy Wall Street musangano muna 2011.
Sangano racho rinotarisa kusaenzana pakati pepfuma yenyika uye imwe 99% yevanhu venyika. vanhu vazhinji vakapedza kudzidza munguva yematambudziko emari vaiva nenguva yakaoma yekuwana mabasa. Vailing vanogona kunge vakaponesa makambani mashomanana asi havana kuonekwa seine chinotarisirwa kugadzirisa mune zvehupfumi sezvo yakaramba ichirwa kwemakore akawanda emakore.
Iwe unofanirawo kutarisa chikwereti chako. Iko pfungwa yakanaka yekuderedza chikwereti chekwereti chaunacho. Vanhu vazhinji vari kutarisa pamhando dzose dzekwereti uye vanofunga kuti dambudziko racho rinogona kupararira kune kadhi yemakadhi echikwereti zvakare. Iwe unogona kuzvidzivirira nokugara mune zvaunokwanisa uye uchifunga nezvekubuda mune chikwereti.
Nzira yako yekuchengetedza uye yekusimudza inofanira kuramba yakafanana. Iwe unofanirwa kupfuurira kuchengeta uye kuisa mari yako. I-FDIC inogona kukwanisa kubata chero imwe bhengi inoputsika. Misika yemabhiza ichadzoka pakupedzisira uye mari yako icharamba ichikura. Yeuka kuparadzira mari yako kuitira kuti iwe urege kuva nevose mune imwe kambani. Nzira iri nyore yekuita izvi ndeyekutsvaga mu Mutual Funds.
Iwe unogonawo kunge uchida kuvaka chikwata chako chekukurumidzira nokuti zvinogona kuva zvakaoma kuwana basa munguva yekuderera. Kazhinji, kuderera kunotungamirira kumanikidziro, izvo zvinotungamirira kumatambudziko makuru, izvo zvino zvinotungamirira kune mamwe matanho. Icho chinhu chinotyisa. Iyo inogona kutungamirira kune imwe nguva yekuzvidzivirira , izvo zvakanyanya kuoma kupora kubva. Ita zvaunogona kuti uzvigadzirire kuramba uchikwikwidzana mumusika wemabasa.
Zvakakosha kugadzirira kugadzirisa dambudziko rezvemari. Nheyo yakanaka yekugadzirisa mari nebhajimendi inokubvumira kuti uwane chikwereti uye kuvaka mari yako inogona kukubatsira iwe kugadzirisa dambudziko rezvemari zviri nani zvikuru. Tora matanho panguva dzakanaka dzehupfumi yekugadzirira vakaipa.