Sei Kutenga Imba Kunobatsira Kuvaka Rudzi
Muna 2017, kuvakwa kwezvivako kwakapa $ 1.07 trillion kuhupfumi hwenyika yacho.
Ndiyo 6 kubva muzana yeUnited States yakagadzirwa mumunda . Icho chiduku kupfuura chinopfuura 2006 che $ 1.195 trillion. Panguva iyoyo, kuvakwa kwemaimba kwakange kune hupfumi hwemazana ne9,9 muzana yeGDP . Imba yekuvakwa kweimba inobata basa. Ndicho chikonzero kudonha kwekuvaka dzimba kwaive chinhu chakakosha kuhuwandu hwekushaya hurumende kwehuwandu hwemabasa .
Kuvaka ndiyo imwe chete yezvivako zvinoshandiswa neGDP. Real estate inobatawo kune dzimwe nzvimbo dzakawanda dzehupfumi huri husingaenzaniswi. Semuenzaniso, kuderera kwekutengesa zvivako kunotungamirira pakuderera kwezvitoro zveimba. Izvozvo zvinoderedza kukosha kwemisha yose, kana vadzidzisi vari kushingaira kutengesa kana kwete. Iyo inoderedza nhamba yezvikwereti zvakaenzana zvemusha zvinowanikwa kune vadzidzisi. Vachaderedza kushandiswa kwevatengi .
Inenge makumi manomwe kubva muzana yehupfumi hweUnited States inobva pakushandiswa kwevanhu . Kuderedza kushandiswa kwevatengi kunoita kuti kuderera kuwedzere muhupfumi.
Inotungamirira kune mamwe madonhwe mumabasa, mari uye kushandiswa kwevatengi. Kana iyo Federal Reserve isingapindirani nekuderedza kushaya mari , ipapo nyika inogona kuwira mune zvekuderera . Nhau dzakanaka chete pamusoro pematengo edzimba dzakaderera ndezvokuti dzinoderedza mikana yekuwana mari .
Real Estate uye 2008 Recession
Kuwira kwemitengo yemusha pakutanga kwakakonzera dambudziko rezvemari ra2008 , asi vashomanana vakaiziva panguva iyoyo.
Pakazosvika July 2007, mutengo wemukati wemusha wakagara uri wemhuri wakaderera kusvika 4 kubva muzana kubvira pakukwirira kwaOctober 2005, maererano neNational Association of Realtors. Asi vhizimusi vangave vasingagoni kubvumirana pamusoro pekuipa kwacho. Tsanangudzo dzekutengesa , misika yematombo uye kugadziriswa kwemusika kwepamusoro zvakanyatsogadziriswa, asi zvimwe chetezvo hazvisi zvechokwadi kumusika weimba.
Vakawanda vakafananidza ne 24% yekuderera muHurumende Kuwedzerwa kwegore ra1929 . Vakazvifananidza ne 22-40 kubva muzana yezvishoma pakuderera kwemafuta panguva yekudonha kwemafuta mumakore ekuma1980. Nezviyero izvi, kupera kwacho kwakanga kusingaoneki.
Dzimwe dzidzo dzezvemari dzakaratidza kuti dzimba dzekugara dzinoderera dze10-15 muzana dzakakwana kuti dzisapedze kuenzana . Izvo zvinoita kuti pave nechando chinokonzera kushungurudza kwakanyanya kune vimba veimba. Kurasikirwa kwakaenzana kwekodzero kwakaitika mune dzimwe misha muFlorida, Nevada neLouisana muna 2007. Mukudzoka, vazhinji vedu tinofanira kunge takateerera.
Inenge hafu yezvikwereti zvakabudiswa pakati pe2005 ne2007 zvaive pasi. Zvaireva kuti vatengi vangave vachida kutadza. Chinetso chaicho ndechokuti mabhenji akashandisa zvikwereti zvemari kuti atsigire mabhiriyoni emadhora emadhora. Mabhandi akavhara subprime mortgages muzvikwereti zvinotambirwa-zvikwereti .
Vaivatengesa semari yakachengetedza mari yepensheni, makambani, uye vashandirwi. Ndizvo zvavakange vari "inshuwarisi" kubva kune imwe itsva yunishuwarenzi yakanzi " credit default swaps" . Chikuru chikuru chaive muAmerican International Group Inc.
Apo vakwereta vakarasika, mari yekutengesa-yakatsigirwa yakanga isinganzwisisiki. Vazhinji vatengesi vanoedza kushandisa mari yavo yekutengesa swaps iyo AIG yakabuda kunze kwemari. Yakatyisidzira kuti inenge isipo. Ndokusaka Federal Reserve yaifanira kuibhadhara. Ndizvo zvakakonzerwa nemitemo yakasikwa .
Mabhangi ane zvakawanda zvekutengesa-zvakatsigirwa zvinyorwa pamabhuku avo, sa Bear Bear naLehman Brothers, vakanyengerwa nedzimwe mabhanga. Pasina mari yekushandisa mabhizinesi avo, vakashandura kuFed kuti vabatsirwe. Dhawana yakawana mutengi kune yekutanga, asi kwete yechipiri.
Kubhadharwa kweLehman Brothers kwakagadzirisa dambudziko remari ra2008 .
Vazhinji veAmerica vanotenda kuti misika yematengesi ichaputsika mumakore maviri anotevera. Vanoona kutengesa kwemaimba emvura, uye kuwedzera kweHurumende. Kwavari, inoratidzika sebudiriro iyo inoteverwa nekuwa. Asi kune zvakawanda zvakasiyana pakati pemakambani ekugara ematenga uye mumusika wa2005. Semuenzaniso, zvikwereti zvepa subprime zvinongogadzira 5 muzana yemusika wemari. Muna 2005, vakapa 20 muzana. Uyezve, mabhengi akwidziridza zvikwereti. Musha "mapapiro anofanira kupa 45 muzana yemari yeimba. Pakati penhamo ye subprime, vaida 20 muzana kana pasi.
Chinonyanya kukosha, varidzi vembavha havasi kutora huwandu hwakawanda kubva mumisha yavo. Imba yekuenzanisa yakasimuka kusvika ku $ 85 mabhiriyoni muna 2006. Yakaputsika kusvika pasi pe $ 10 mabhiriyoni muna 2010, uye yakagara imomo kusvika 2015. Pakazosvika gore ra2017, yakange yakasvika $ 14 mabhiriyoni. Chikonzero chikuru ndechokuti vanhu vashomanana vari kuisa firiji yekushungurudza. Muna 2016, 770 846 chete yakasungirwa kubhadhara. Muna 2010, 1.5 mamiriyoni vanhu vakaita. Iwe une Obamacare kuonga nokuda kweizvozvo. Iye zvino kuti vamwe vanhu vakafukidzwa nehushuwarisi, havakwanisi kuputirwa nemari yemishonga. Kusiyana uku kunoita kuti misika yemumba iparare zvishoma.