Imikhawulo evamile yokubolekwa kwemali izokhuphuka isuka ku-$647,200 ngo-2022 iye ku-$726,200 ezindaweni eziningi zase-US, okuwukwanda okungamaphesenti angu-12;imikhawulo ezindaweni ezinamanani aphezulu nayo izokwenyuka, isuka ku-$970,800 iye ku-$1,089,300.*Okwezindlu ezi-1 zeyunithi

Kungokokuqala emlandweni ukuthi uhulumeni wobumbano wase-US aqale ukusekela imali ebolekiwe yezindlu engaphezu kwesigidi esingu-$1, okuwuphawu olubaluleke kakhulu!Ibalulekile futhi kubo bonke abathengi bezindlu.

Ngakho-ke uyini ngempela Umkhawulo Wemalimboleko Evumelanayo (CLL)?

Uyini umkhawulo wemalimboleko evamile?

Ukuze siqonde ukuthi uyini umkhawulo wemalimboleko evamile, kufanele siqale siqonde ukuthi iyini imalimboleko evamile (Imalimboleko Evumelanayo).

Izikweletu ezivumelanayo ziwuhlobo oluvame kakhulu lwemali mboleko emakethe yase-US namuhla, futhi abathengi abaningi bafaka isicelo salolu hlobo lwemali mboleko.

Lezi zimali mboleko ngokuvamile aziqinile ngokwemibandela yezidingo zomthengi futhi zimane ziwusizo lukahulumeni lwabathengi abanamanani aphansi okuthenga, okuvumela abathengi abanezikolo eziphansi zezikweletu kanye nezinkokhelo eziphansi zokuthenga ikhaya.

Ngokomthetho, Izimalimboleko Ezivumelanayo zigunyazwa ngaphansi kwemithetho ka-Fannie Mae noFreddie Mac.

Zombili izinkampani zizofaka imali mboleko efana ne-Mortgage-backed securities (MBS) futhi zizithengisele abatshalizimali emakethe evulekile.

Ngenxa yemali mboleko ephezulu kanye nokwesekwa kukahulumeni, izinga lenzalo lemali mboleko evumelanayo ngokuvamile liphansi kunelemali mboleko Engavumelani futhi ukugunyazwa akuqinile kangako, kodwa ngesikhathi esifanayo inani lemalimboleko ongayithola kulolu hlobo lwemalimboleko ungabi mkhulu kakhulu.

Ngakho-ke imalimboleko Evumelanayo iyimali ebolekiwe ehlangabezana nemibandela yenani lemalimboleko ebekwe u-Fannie Mae no-Freddie Mac, futhi u-Fannie Mae no-Freddie Mac bangathenga kuphela izikweletu ezingaphansi kwalowo mkhawulo wemalimboleko.

Imikhawulo, isethwe yi-Federal Housing Finance Agency (FHFA).

Ibekwa kanjani imikhawulo yemalimboleko evamile?

Njengoba ikhaya lithokozelwa ngokwenani ngokuhamba kwesikhathi, uMthetho Wezindlu Nokubuyiselwa Komnotho (HERA), owaphasiswa uhulumeni wase-US ngo-2008, uhlinzekela ukulungiswa kwaminyaka yonke emikhawulweni evamile yemalimboleko futhi usungula ifomula ehlala njalo yemikhawulo yemalimboleko ukuze kukhawulwe izinguquko ezilinganisweni zentengo yezindlu. e-United States.

Umkhawulo ubekwe yi-Federal Housing Finance Agency (FHFA), ebheka ushintsho lwamaphesenti ezintengo zezindlu ezimaphakathi kusukela onyakeni odlule okubikwe yi-Federal Housing Finance Board (FHFB) ngo-Okthoba wonyaka ngamunye ukuze kulungiswe umkhawulo wemalimboleko ovamile, emenyezelwa ngoNovemba olandelayo.

Ishadi elingezansi libonisa ushintsho kumikhawulo Yemalimboleko Evumelanayo ukusuka ku-1980 kuya ku-2023, esebenza eningini lase-United States.

Kusukela ekuqaleni kuka-2020, umkhawulo wemalimboleko ojwayelekile ka-2023 nawo ubone ukwanda okukhulu njengoba isidingo sezindlu zokuhlala sikhuphuka ngenxa yokuqopha amanani aphansi emali ebolekiwe kanye nokuthambekela kokusebenza ekhaya, futhi izintengo ezimaphakathi zokuthengisa izindlu e-US zikhuphuke cishe ama-40%.

Nakuba i-FHFA ibeka isisekelo semikhawulo yemalimboleko evamile, isifunda ngasinye sinemikhawulo yaso evamile yemalimboleko.

Lokhu kungenxa yokuthi kwezinye izindawo lapho amanani ezindlu engaphezulu kwesilinganiso sikazwelonke, njenge-New York City, Seattle, ne-San Francisco, inani lekhaya elimaphakathi selifinyelele ku-115% noma ngaphezulu komkhawulo wemalimboleko ovamile.

Kulezi zindawo, i-FHFA ivumela amanani aphezulu ukuthi abolekwe ngemali mboleko evamile (i-Super Conforming Loans), eyaziwa nangokuthi i-High Balance Loans.

Emalini Ebolekiwe Ebhalansi Ephezulu, i-HERA idinga futhi ukuthi umkhawulo wokuboleka ungadluli u-150% womkhawulo Wemalimboleko Evumelanayo.

Kusetshenziswa izindawo ezine ezibekwe ngokomthetho ezibiza kakhulu njengezibonelo zase-Alaska, eHawaii, e-Guam, nase-US Virgin Islands.Umkhawulo we-2023 High Balance Loan ungama-150% omkhawulo we-Conventional Loan, noma u-$1,089,300.($726,200*150%=$1,089,300)

Lokhu kubathinta kanjani abathengi bezindlu?

Imikhawulo ephakeme yemalimboleko evamile isho ukuthi abathenga izindlu bangahlangabezana kalula nezimfuneko zemalimboleko ezivamile, futhi imali mboleko evamile ehlangabezana nemikhawulo ngokuvamile inama-APR aphansi kanye nezinkokhelo eziphansi zanyanga zonke zababolekayo.

Izimali mboleko ezeqa izilinganiso zemikhawulo yemalimboleko evamile ngokuvamile zibizwa ngokuthi i-Jumbo Loans, ngokuvamile enamazinga enzalo aphezulu kune-Conforming Loans .

Kodwa ngokwenyuka kwamazinga ayisithupha e-Fed phakathi nonyaka, inzalo emalini ebolekiwe evamile iye yanyuka.Ngokwezibalo zakamuva ezivela ku-Freddie Mac, isilinganiso senzalo semalimboleko yeminyaka engu-30 yesilinganiso esinqunyiwe singu-6.49%, siphinda kabili kunalokho esasiyikho ekuqaleni konyaka!

Kodwa manje i-AAA LENDINGS ihlinzeka ngomkhiqizo we-Jumbo Loan onenani lenzalo eliphansi njenge5.250%!