Dodd-Frank Mutemo Unobata Muridzi-Kutengesa Mari
Apo nhamba yezvibereko yakakwira kusvika 18% kuma1970 apfuura, vazhinji vatengi vakamanikidzwa kubva kunze kwemashamba edzimba uye kugadzira mari yekugadzira yakatanga kuupenyu kunze kwekudiwa ikoko. Misha yakawanda yekutengesa yakashambadzirwa nekutanga ma OWC, zvinoreva kuti muridzi wekutakura ( muridzi wemari ).
Munguva iyi nguva, chinhu nezvose zvakaitwa pasi pekufungidzira kwekugadzira mari. Nhanho dzaive dzakanyanyisa zvokuti vazhinji vashandi havana kumbomira kuti vaone kana mhando dzemitambo dzavakanga vachiita pamwe chete dzaive dzomutemo zvishoma kuderera. Chero chero nzira ipi zvayo inogona kuumbwa, kunyange dai yakanga isiri pfungwa yakanaka, yaigara ichishandiswa.
Mhando dzeUkurima Kwekugadzira Zvimwe
- Off-shore kune dzimwe nyika. Vamwe vanhu vachiri kushanda pasi pedenga rekune dzimwe nyika kune dzimwe nyika, asi kana IRS ichivawana, vanhu ava vanogona kuguma mujeri. I IRS haina kutarisa mutsigiri kune dzimwe nyika, zvisinei nokuti mutengesi anotaurirana achitsvaga mune soro rinodhura reItaly anoti. Kune imwe nyika iri kunze kwegungwa kune imwe nyika ndiyo nzira yokunyengera mari kune imwe nyika. Mitero yemitero ichitendera kuvimba kunotarisirwa munyika iyoyo yekunze kutenga nzvimbo.
- Zvichienderana nekutengesa. Zvikwereti zvakawanda hazvina kutakura zvikamu zvekuparadzanisa izvo zvaida kuti kukurumidze, saka vatengi vaigona kutora chikwereti pane chikwereti chaivepo, kusiya zita romutengesi pachikwereti, uye chakanga chakanaka. Whoa. Mabhanki aisada kuvharwa muhotera yepasi inoderera uye kurasikirwa naaigona kukwereta apo vatengi vakatenga dzimba nechokuita-kubhadhara mari. Nyaya-kutengeserana inotyisa nhasi nokuti vanokwereta vanogona uye vachadaidza chikwereti chinofanira kutengeswa . Zvisingatauri, vazhinji vatengesi havadi mutoro unobatanidza ne-nyaya-kutengesa.
- Zvikwereti zvinokwanisika. Mamwe marudzi ezvitoro zvakasunungurwa zvakashambadzirwa kuti mutengi mutsva anogona kutora chikwereti chaipo chaiye. Kana mutengi aikwanisa kutenga chikwereti, bhengi yakabudisa mutengesi kubva kune chikwereti. Kufungidzirwa kwepfungwa kwakachengetedza mutengi mumazuva iwayo zviuru zvemadhora mumarikwereti yemari, uye kutengesa kwakawanda kunogona kuvhara nokukurumidza pasi pemashoko aya. Nhasi, kune zvishoma kusvika kune zvikwereti zvisingagoni kuwanikwa zviripo.
- Land contracts . Dambudziko rine kambani yenyika iri kuwana kambani yehupfambisi yveshuwarisi yakagadzirira kuvhara mutengesi. Zvisingatauri, chibvumirano chenyika, icho chinopa mutengo wakakodzera kune mutengi, kazhinji hauna chikamu chekutenga chikwereti nokuti zvikwereti zvakawanda zvine gwaro rekuparadzanisa. Chibvumirano chepasi chinoshandiswa zvakanakisisa apo imba inenge isingabhadharwi-uye-yakajeka nemutengesi.
- Mutengesi-akatakura chikwereti kana kuvimbwa . Kana mutengesi ane pfuma chaiye uye achida kutakura mari kune uyo anenge akwereta, chiri nyore kushandisa-chiridzwa chikwereti kana chivimbo chekutenda. Hurumende imwe neimwe ine mitemo yayo pachake kana iri tsika yekunyora chikwereti kana chiito chekutenda. MuCalifornia, somuenzaniso, kupa zviito kuratidza mutemo uye kuvimba mabasa kuitira kuchengetedza mabhuku ekuvimbisa anowanzoshandiswa.
Dodd-Frank Act uye Creative Financing Terms for Home Buying
Dodd-Frank Mutemo ndeye nguva shomanana yeDodd-Frank Wall Street Consumer Reform uye Protection Act, yakasayirwa kuva mutemo munaJuly 2010. Yakanyorwa naimbova Congressman Barnett Barney Frank uye ipapo-Senator Christopher John Dodd, Dodd-Frank Act yakaunza kuwedzera kuchinja kumitemo yemari uye yakagadziridza Chokwadi Mukukwereta Mutemo. Iyi shanduko yakazara yakagadzira masangano matsva uye akachinja mitemo yakawanda.
Iwe haugoni kuvhara kati yakafa mukubhadhara pasina kuuraya Dodd-Frank Act. Ndinokumbira ruregerero kune mukati ane hurombo hwekutsvaga; ndechokuti mutsara unofananidzwa zvakanaka.
Chikamu cheDodd-Frank Act chinoreva mutengesi mari. Inotungamirira uye inoderedza mamwe marudzi ekubhadhara ayo ainyatsobvumirwa munguva yakapfuura. Kusiyana nemazuva akasununguka-achizununguka ema1970 apo chero munhu upi zvake aigona kuronga chikwereti uye achibhadharwa chero bedzi munhu wacho aine reti yeimba yekutengesa, ikozvino munhu anofanira kubvumirwa sechikwama chekweretesa chikwereti . Vatengesi havagoni kugovera kuti havawedzeri muridzi wekubhadhara mazwi pamusoro pezvinhu zvitatu pagore. Mamwe mitemo ndeyi:
- Mutengesi anogona kupa muridzi wemari chero bedzi mutengesi asina kuvaka imba. Izvi zvinobvisa vadzi vemuimba kubva pakupa muridzi wemari.
- Hapana bhariro yekubhadhara. Nzira yaidiwa yekupa mari yekugadzira mari yakawanda yaive nguva shoma yenguva pfupi, ichiti makore matatu kana mashanu, nebhaluni pamagumo, zvichireva kuti mari yose inokwana uye inobhadharwa. Muridzi-mari inokweretwa zvikwereti zvino inofanira kunge yakagadziriswa.
- Mutengesi haagoni kupa muridzi wemari kune chero mutengi anoitika pamwe chete. Mutengesi ane kodzero yekuona kuti mutengi akakodzera kutenga imba uye kubhadhara chikwereti. Izvi zvinogona kureva kuti mutengesi aizoda kutora chikwereti chekwereti kune mutengi, izvo zvingave zvichibvisa vose vatengesi vemusha vane yakaipa chikwereti.
- Mari yechikwereti inofanira kunge yakagadziriswa kana kuti inogadziriswa mushure memakore mashanu zvichienderana nekuwedzera kwegore negore, uye nguva yakafanira yeupenyu.
- Chikwereti chemari inotengwa nemuridzi inofanira kusangana nemimwe mitemo yakagadzwa ne Federal Reserve Board. Zvisinei, haisi ye-balloon inoda izvo zvichaisa kumisa kune zvakawanda zvekugadzira mari yekuedza. Mhinduro kune vamwe vatengesi nevatengi vangave iyo yekutengesa- kushambadzira kushambadzira.
Usati watenga imba kuburikidza nekugadzira mari yekugadzira, tora mazano emutemo.