Ngongole Zanyumba Zosinthika Zikukhala
Zotchuka Kwambiri Masiku Ano
05/19/2022
Malinga ndi Mortgage Bankers Association, zofuna za ngongole zanyumba zosinthika, kapena ma ARM, zidakwera zaka 14 sabata yatha.Chiwongola dzanja chikamakwera, obwereka amayamba kufunafuna njira zotsika mtengo kuti athe kuthana ndi kukwera mtengo kwa ngongole.
Koma chiwongola dzanja chikukwera, kodi ngongole zanyumba izi zidzakhalanso vuto monga momwe zidakhalira pakugwa kwanyumba kusanachitike Kugwa Kwachuma Kwakukulu?Malinga ndi akatswiriwa, ndizosatheka chifukwa ngongolezi ndizovuta kwambiri kuposa zam'mbuyomu, komabe mwina sizingakhale zoyenera kwa aliyense.
Malinga ndi kunena kwa akatswiri ena, popeza zinali zosavuta kupeza ngongole m’mbuyomo, obwereka ena amanama ponena za ndalama zimene amapeza ndipo nthaŵi zambiri amapeza ngongole zanyumba mosavuta.Koma masiku ano, zikuchulukirachulukira.
Malinga ndi Freddie Mac., mitengo ya ngongole zokhazikika zazaka 30 idafika pa 5.3% sabata yatha, mlingo wapamwamba kwambiri kuyambira Julayi 2009 ndikukwera kuchokera ku 3.22% sabata yoyamba ya chaka.Ngongole zokhazikika zazaka 30 ndizongongole zodziwika kwambiri zogulira nyumba.
M'mbuyomu, ma ARM akhala njira yokongola kwa obwereketsa omwe amayang'ana mtengo wocheperako poyerekeza ndi ngongole zanyumba zokhazikika.
Mosiyana ndi ngongole yanyumba, yomwe imakhala ndi chiwongola dzanja chokhazikika pa nthawi yonse ya ngongole, malipiro a ARM amatha kusinthasintha pakapita nthawi.Chiwongoladzanja chimayambiranso pambuyo pa nthawi yomwe adagwirizana kale ndipo chidzawonetsa momwe chiwongoladzanja chilili panopa, zomwe zimapangitsa kuti mupereke malipiro apamwamba kapena otsika pamwezi.
Ma ARM amasiku ano ndi osiyana ndi omwe adachitika mu 2008 chifukwa amawongolera kwambiri.Zosintha zatsopano zomwe zimachepetsa kuchuluka kwa chiwongolero panyengo iliyonse komanso nthawi yonse ya ngongoleyo, zomwe zimachepetsa chiwopsezo cha zomwe wobwereka angakumane nazo.Miyezo yangongole ndi ndalama zakhalanso zolimba, kulola obwereketsa kutsimikizira kuti ARM ikhala njira yotsika mtengo yanthawi yayitali kwa obwereka.
Ndi mitengo yanyumba yomwe ikufika pa 5%, ogula ochulukirachulukira amakokera ku ngongole zanyumba zosinthika.Malinga ndi Mortgage Bankers Association, gawo la ARM ndilokwera katatu kuposa koyambirira kwa 2022.
Ndani ayenera kupeza ARM?
Ngati obwereketsa akuyang'ana mtengo wotsika, ngongole yobwereketsa ikhoza kukhala mwayi wabwino wopeza nthawi yopuma pamwezi - koma sizikhalitsa.
Malinga ndi akatswiri ena, ogula nthawi yoyamba amatha kupezerapo mwayi pa chiwongola dzanja chochepa cha ARM panthawi yokhazikika asanagulitse.Koma asanachitepo kanthu, obwereketsa omwe akuganizira za ngongole yobwereketsa ayenera kuchita homuweki yawo ndikugwiritsa ntchito makina owerengera ndalama kuti awone momwe ndalama zanyumba zimasinthira pazaka zisanu ndi chimodzi komanso ngati angakwanitse kulipira.
Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.
Nthawi yotumiza: May-19-2022