Mari Inokwereti-Inongova Iga Ichishanda Kwauri Here?

Heano Ndezviziviso Zvakavanzwa

Chikwereti-chikwereti bedzi ndicho chikwereti chinogadziriswa chekutora chikwereti chinobvumira anenge achikwereta kubhadhara chikwereti chaanofarira pamakore mashomanana okutanga. Iko kazhinji kacho kuderera kwe "teaser" purogiramu. Mari iyo inokwira uye inowira neRibor chiyero. Libor inomiririra London Interbank Offering Rate. Ndiyo mabhanji ekubhadharana anotengeserana kune zvikwereti zvenguva pfupi. Kana LIBOROR ichikwira, ndizvo zvakaitawo chikwereti chekufarira.

Iyo "teaser rate" nguva yokutanga inowanzotora makore, matatu, kana mashanu.

Mushure mezvo, chikwereti chinotendeukira kune imwe nzvimbo inowanikwa mari . Inhara yekutambira inogona kuwedzera. Kubhadhara kwemwedzi kunofanirwa kuvharawo zvimwe zvekutanga. Iko kunowedzera kubhadhara zvakawanda. Vamwe vanofarira-chete mabheji akadai anoda chikwereti kubhadhara chikamu chose mushure mekutangira nguva.

Chikwereti-chega chikwereti chinonziwo zvikwereti zvekukwereta uye exotic mortgages. Dzimwe nguva vanonzi zvikwereti zvepa subprime kunyange zvazvo vasina kungotarirwa kune avo vane ma-prime credit scores.

Zvitsva Zvitatu

Chinhu chokutanga chakanaka ndechokuti mari yekubhadhara pamwedzi kune chekufarira-chete kutora chikwereti iko pakutanga yakaderera pane imwe yemari yakakokwereta. Iko kunobvumira vakwereta kutenga imba inodhura. Icho chinongoshanda chete kana uyo akakwereta akaronga kuita mari yakakwirira mushure mekutangira nguva. Somuenzaniso, vamwe vanowedzera mari yavo yekusanganisa nguva yekutangira isiri. Vamwe vakaronga kutengesa imba iyo chikwereti chikatendeuka.

Vakasara vanenge vakwereta vanoramba vachienda kune chikwereti chitsva-chikwereti chete. Asi izvozvo hazvibatsire kana zvikwereti zvezvibereko zvasimuka.

Chechipiri inobatsira ndeyekuti akakwereta anokwanisa kubhadhara chikwereti-chete chekutengesa mari kupfuura nokukurumidza chikwereti. Zvimwe zvikwereti zvinopinda zvakananga kune mukuru kune zvose zvikwereti. Asi, mune chikwereti chaanoda-chikwereti chete, mutungamiri wepamusoro ndiye anopa kubhadhara zvishoma pasi mwedzi mumwe nomumwe.

Muchikwereti chenguva dzose, inoderedza mutungamiri, asi kubhadhara kwemwedzi kune imwe chete. Vanokwereta vanogona kubhadhara chikwereti nokukurumidza, asi havazivi kubatsirwa kusvikira pakuguma kwechikwereti. Chikwereti-chido chete chinokwereta vakwereta kuti vaone kubatsirwa pakarepo.

Chimwe chechitatu chinoshandiswa ndiyo kushandiswa kwechikwereti chinokwereti-chikwereti chete chinopa. Semuenzaniso, vateresi vanogona kushandisa chero mari yakawedzerwa, mabhonasi akadaro kana kumutsa, kushandiswa kune mukuru. Nenzira iyo, havaoni mutsauko mumamiriro avo ehupenyu. Kana vakarasikirwa nemabasa kana kuti vane mari dzisingatarisirwi mune zvehutano, vanogona kudzokera kumashure vachibhadhara chikamu chekufarira. Izvozvo zvinokwereta chikwereti-chikwereti bedzi kune chikwereti chinowanikwa chekubhadhara vatariri vemari.

Zvitatu Zvisingabatsiri

Chokutanga, chikwereti-chikwereti chete chinokanganisa kune vakwereta vasingazivi kuti chikwereti chichashandura. Vanowanzokwanise kuwana mari yakakwirira apo "teaser rate" inoguma. Vamwe vangave vasingazivi kuti havana hutano mumusha. Kana vakazvitengesa, havawani chinhu.

Chechipiri chakaipa chinowanikwa kune avo vari kuverenga basa idzva kuti vawane mari yakakwirira. Kana izvozvo zvisingaiti, kana kana basa razvino riripo rinopera, mari yakakwirira injodzi.

Vamwe vanogona kuronga pakugadzirisa. Asi kana zvikwereti zvikwira, hazvikwanisi kugadzirisa, kana.

Dambudziko rechitatu nderekuti dzimba dzeimba dzinowa. Izvo zvinovhiringidza varidzi vepamba vanogadzirira kutengesa imba iyo chikwereti chikatendeuka. Muna 2006, varidzi vemusha vakanga vasingakwanisi kutengesa, sezvo chikwereti chakakosha kupfuura imba. Bhengi inongopa chete kugadziridza pane zvitsva, kukosha kwehutano hwehutano. Varidzi vepamba vanga vasingakwanisi kubhadhara mari yakawanda vakamanikidzwa kuti varege kushandiswa pamatoro. Chikwereti-chega chikwereti chaiva chikonzero chikuru saka vanhu vakawanda vakarasikirwa nemisha yavo.

Aina

Paiva nemhando dzakawanda dzezvikwereti zvepa subprime zvichienderana nechitarisiko-chimiro chete. Zvizhinji zveizvi zvakasikwa pashure pe2000, kuti zvifudze kudiwa kwemari yekugadzirisa pasi . Izvozvo zvaive nokuti mabhengi akanga atanga kubhadhara mari yavo yezvikwereti nemari yekuchengetedza mari . Izvi zvakabva zvave zvakakurumbira zvakagadzira chido chakakura chechikonzero chekutengesa mari.

Ichokwadi, izvi zvinokweretesa-chikwereti chete chikamu chei eally yakakonzera subprime mortgage crisis .

Heino tsanangudzo yezvikwereti izvi zvisingaiti. Kuparadza kwavo kunoreva kuti vazhinji havachawanikwi.

• Sarudzo yeArm chikwereti yakabvumira vanokwereta kusarudza mari yavo yekubhadhara pamwedzi kwemakore mashanu ekutanga.
• Kuipa kwekubhadhara chikwereti kunowedzera kune, panzvimbo pokubvisa kubva, mukuru kune mwedzi woga woga.
• Balloon zvikwereti zvinoda kuti chikwereti chose chibhadharwe pashure pemakore mashanu kusvika manomwe.
• Chero-mari- iyo yakabhadhara chikwereti yakabvumira chikwereti kutora chikwereti chekubhadhara.