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Kodi Conforming Loan yanthawi zonse ndi chiyani?

Ngongole yofananira ndi ngongole yobwereketsa yokhala ndi mfundo zomwe zimakwaniritsa zofunikira za Fannie Mae ndi Freddie Mac.Ngongole zofananira sizingadutse malire ena a dollar, omwe amasintha chaka ndi chaka.Mu 2022, malire ndi $647,200 kumadera ambiri a US koma ndi okwera m'malo ena okwera mtengo.Mutha kusaka pa intaneti ngongole iliyonse yachigawo yomwe ikugwirizana ndi malire angongole a chaka chino.

Ntchito ya Fannie Mae ndi Freddie Mac imapangitsa kuti agule ambiri omwe mabanki a ngongole amapereka.Koma kuti awavomereze, iwo sangakhale onse mwaukali;ziyenera kulinganizidwa ndi kupangidwa pansi pa zitsogozo zina.Ndipamene gawo lofananira limabwera, ndipo chifukwa chake pali malamulo ambiri olembedwa ndi ngongole izi: ndikukhazikitsa ngongole kuti Fannie Mae ndi Freddie Mac agule.

Ndi mitundu yanji ya AAA Conforming Loans?

Mutha kuwona obwereketsa nyumba akukupatsirani mitengo yosiyanasiyana ya "General Conforming Loan" ndi "High-Blance Loan".Kwenikweni, mapulogalamu awiriwa amatchedwa Confirming Loan.

Kodi Kusiyana Kwa Ngongole Yogwirizana Ndi Ngongole Yosagwirizana Ndi Chiyani?

Pali magulu osiyanasiyana angongole omwe mungagwiritse ntchito pogula nyumba, ndipo ngongole zofananira ndi zosagwirizana ndizofala kwambiri.Ngongole yofananira imakumana ndi malangizo oti agulitsidwe kwa Fannie Mae kapena Freddie Mac, awiri mwaogula kwambiri ku US ngongole zosagwirizana ndi zomwe sizikugwirizana ndi izi, ndizomwe zimagwera kunja kwa malangizowo, kotero kuti sangakhale. amagulitsidwa kwa Fannie Mae kapena Freddie Mac.
Ngongole zonse zimagwera pansi pa imodzi mwa maambulera awiriwa - mwina akugwirizana ndi malangizo a Fannie ndi Freddie, kapena ayi.Kusiyana pakati pa ziwirizi kumabweretsa zotsatira zosangalatsa zomwe zimakukhudzani inu-ogula.


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