Nzira yeHurumende Mortgage Bailout yakagadzirisa sei Economy newe

Nzira Dzakabatana Nekubhadhara Iwe Nhasi

Bhizimisi rehurumende rekubhadhara mari yakabata hupfumi munzira zvitatu. Chokutanga, chakadzivirirwa mumusika wemari yemangwana inotevera inofanana neyo yakaita kuti iwedzere kuparara kwezvemari. Izvozvo zvakaitika mazuva mashomanana mushure meLehman Hama vakashaya. Vashandi vanoendesa mari iyi kuUnited States Treasurs , zvichiita kuti zvikwereti zvisike ku zero. Kuti kuve nekutya kwekutanga, Treasury yakabvumirana kuti ichengetedze mari-yemari yemari yegore. Kubhadhara mari iyi yakaratidza mabhengi kuti hurumende yaizoita chero zvingatora kuti chidzorere chivimbo.

Chechipiri, bhailout yakabvumira mabhengi kutanga kutora chikwereti kune mumwe zvakare. Mabhanki akacheka mabhanki paanokweretesa muna April 2008. Izvo zvakaita kuti Libor isati iri yepamusoro yakakwirira kudarika iyo inodyidzwa mari . Kuongororwa kweRibor muongorori wekare kunoratidza kusiyanisa uku.

Mabhanki aisagona kukweretesa kune mumwe nemumwe akanga ari pangozi yekuenda kubhadhara. Ndizvo zvakaitika kuna Lehman Brothers. Zvingave zvakaitika kuAIG , Bear Stearns , uye makuru makuru matatu asingabatsiri. Nokudzorera misika yekwereti kune mamwe mabasa akajairika, mutemo webhailout wakapa mabhangi rusununguko kutanga kutora zvikwereti zvakare.

Chechitatu, zvakaita kuti zvive nyore kwauri kuti uwane mari yekubhadhara mari uye zvikwereti zvemotokari, fesheni nemashandisi emagetsi. Iko Libor chiyero chinodzokera kune imwe yero yepamusoro. Izvo zvakaita kuti zvikwereti mari shoma kuitira kuti vanhu vakawanda vangave vakakodzera. Kutenga kwevatengi kwakatanga kuwedzera zvakare, uye izvozvo zvakasimbisa kukura kwehupfumi. Mukuwedzera, vanhu vakatanga kutenga dzimba zvakare, izvo zvakaita kuti dzimba dzeimba dzigare dzakadzikama.

Mari yebhailout yakaita Homeowner Affordable Refinance Program . Izvozvo zvakabatsira misika yemusha zvishomanana. Iro yakabvumira vatengesi vane misha 810 000 vakakodzera kuti vashandise zvikwereti kuti vatsigire nemari yakaderera mari. 57 571 chete ndivo vaipfuura 5 kubva muzana vachikwira-pasi mumadhorobha avo. Izvo zvingadai zvakabatsira vanhu vakawanda, asi mabhanki cherry-akatora avo vanobvunza.

Vakaramba kutarisa avo vane kuenzana kwakaderera, kunyange zvazvo vakavimbiswa naFannie Mae kana Freddie Mac . Ndizvo nokuti vakadzivisa mapepa anobatanidzwa ne mortgage insurance .

Muna 2012, $ 35 bhiriyoni yebhailout yakabhadhara mari yeimba yeimba inogadziriswa. Yakabatsira vagari vomunharaunda kuti varege kudzivirirwa nekugadzirisa zvikwereti zvavo. HAMP yakashandisa $ 12 biliyoni yebhailout funds muna 2013.

Kubatsira Kwakaita Basa reBailout

Bhuku rebhailout rakagadzira Trouble Asset Recovery Program . Imari yeAmerica yeUnited States yakashandisa $ 105 mabhiriyoni kutenga zvigadzirwa zvakasarudzwa mumabhanki masere akanga akawandisa kukundikana. Yakapedza imwe $ 245 mabhiriyoni kubhadhara AIG, Big 3 makambani emotokari, Citigroup, Bank of America, uye mazana emabhenji emunharaunda . Yakagadzirawo chirongwa cheTALF .

VaCongressman Barney Frank , vaimbova Sachigaro weGovernment Financial Service Committee, vakawedzera hukuru hwekudzivirira vateresi:

• Bailouts inogona kunge isingadariki $ 250 biliyoni imwe neimwe. Somugumisiro, chete $ 350 bhiriyoni yakashandiswa muna 2008. Zvose zve $ 700 mabhiriyoni hazvina kumboshandiswa.
• Dare rekutarisira rakarondedzera kutengesa kweHurumende uye kutengeswa kwezvikwereti. Sachigaro weBato reBurgan Ben Bernanke , uye vatungamiri ve Securities and Exchange Administraion , Federal Federal Finance Agency, uye HUD, vakagara paKomiti.

• Pfuma yepamusoro inogona kutenga danda rekuenzanisa mumakambani mukudzorera mari yebhailout. Ndizvo zvakaitika. Somugumisiro, vateresi vakagadzira mari kubva pakubhadhara mari kwekufamba kwenguva.
• Paiva nemiganhu miduku yakagadzirirwa kuhutungamiri hwemakambani ekudzikinurwa. Makambani aisagona kukwanisa kubhadhara mari yekubhadhara mari inopfuura $ 500,000.
• Hurumende inobhadhara chikwereti chekuchengetedza zvikwereti uye zvimwe zvinhu zvakatengwa musi waMarch 14, 2008.
• Mutungamiri wehurumende aifanira kuraira mutemo kuti adzorere kurasikirwa kubva mune zvemari yezvemari kana pane imwe nguva ichiripo shure kwemakore mashanu. Izvozvo zvakanga zvisina kudikanwa, sezvo hurumende yakashandisa mari yayo zvakare nechakubatsira.

Vateresi Vakagadzira Mari

Mushure memakore mashanu, mabhengi akabhadhara mari yekubhadhara nechinangwa. Z $ 250 mabhiriyoni akabatsira mabhangi 700. Chivigiro chakawana zvakare $ 275 mabhiriyoni mumukuru uye chido.

Izvozvo zvakagadzira $ 25 mabhiriyoni purogiramu kune vateresi. (Zvinyorwa: "Kununura Bhudhiro Rinobudiswa," CNNMoney, September 28, 2008. " Mwedzi weTARP Update ," US Treasury, May 2, 2016.)