Kuwona Ngongole za Agency ndi Kugwirizana ndi Ngongole mu Msika Wanyumba Yanyumba waku US

Mukadumphira mumsika wobwereketsa nyumba waku US, kumvetsetsa kusiyana pakati pawoAgency Ngongoles ndi ngongole zofananira zimatha kukhudza kwambiri zisankho za eni nyumba. Mawu awa ndi ofunikira pakuwongolera njira zanyumba zobwereketsa ndikusankha njira yabwino yopezera ndalama zogulira nyumba yanu.

Ngongole zamabungwe zimatchula ngongole zanyumba zomwe zimathandizidwa ndi mabizinesi omwe amathandizidwa ndi boma (GSEs) mongaFannie Maendi Freddie Mac. Mabungwewa sabwereketsa ndalama mwachindunji koma m'malo mwake amagula ndikutsimikizira ngongole kuchokera kwa obwereketsa, kupereka bata ndi ndalama kumsika wanyumba. Fannie Mae ndi Freddie Mac amatenga gawo lofunikira pakukhazikitsa miyezo ya zomwe zimatengera ngongole yofananira.

Ngongole yofananira ndi mtundu wandalama wanyumba womwe umakwaniritsa malangizo okhazikitsidwa ndi ma GSE awa. Makamaka, ngongolezi ziyenera kutsatizana ndi zomwe mukufuna kutengera kukula kwangongole, kuyenera kwa wobwereketsa, komanso zolembedwa. Ngongole zofananira nthawi zambiri zimapereka chiwongola dzanja chochepa kusiyana ndi ngongole zomwe sizikugwirizana ndipo nthawi zambiri zimawonedwa kuti sizowopsa kwambiri ndi obwereketsa ndi osunga ndalama chifukwa chothandizidwa ndi Fannie Mae ndi Freddie Mac.

Ubwino waukulu wangongole yamabungwe, makamaka ngongole yofananira, ndikutha kupeza chiwongola dzanja chopikisana ndi ziwongola dzanja zabwino. Kwa ogula ambiri, izi zimapangitsa kubwereketsa kwa mabungwe kukhala njira yabwino, makamaka pogula nyumba malinga ndi malire a ngongole omwe amakhazikitsidwa chaka ndi chaka ndi mabungwewa. Malirewa amasiyana malinga ndi malo ndipo amasinthidwa kuti awonetse kusintha kwamitengo yapanyumba.

Poganizira ngati ngongole yabungwe kapena ngongole yofananira ndi yoyenera kwa inu, ndikofunikira kuti muwunikenso momwe ndalama zanu zilili komanso zolinga zanthawi yayitali. Kukhazikika komwe kumaperekedwa ndi ngongole zofananira kungakhale kopindulitsa, makamaka kwa ogula omwe ali ndi mbiri yolimba yangongole omwe angakwaniritse zomwe Fannie Mae ndi Freddie Mac akhazikitsa. Komanso, obwereketsa omwe amasankha kuti agwirizane ndi ngongole nthawi zambiri amapindula ndi njira zovomerezera mwachangu, potengera njira zokhazikika.

Komabe, ngati nyumba yanu yomwe mukufuna idutsa malire angongole omwe ali mdera lanu, ngongole ya jumbo, yomwe ndi mtundu wangongole yosagwirizana, ingakhale yofunikira. Ngongole za Jumbo nthawi zambiri zimabwera ndi chiwongola dzanja chokwera komanso zofunikira zokhwima. Chifukwa chake, kumvetsetsa kusiyanitsa pakati pa ngongole zofananira ndi zosagwirizana ndikofunikira kuti mupange zisankho mwanzeru.

Pomaliza, ngongole zamabungwe ndi ngongole zofananira zimagwira ntchito yofunika kwambiri pamsika wanyumba yaku US, zomwe zimapereka njira kwa eni nyumba kuti apeze ndalama zotsika mtengo. Pomvetsetsa zovuta za ngongole za mabungwe ndi kugwirizanitsa ngongole, eni eni nyumba omwe akuyembekezera akhoza kuyang'anira bwino malo obwereketsa nyumba, kugwirizanitsa zosankha zawo ndi zosowa zawo zachuma ndi zolinga za nthawi yaitali. Ngongolezi zidapangidwa kuti zizipereka bata komanso kupezeka, kuzipanga kukhala mwala wapangodya wa maloto aku America okhala ndi nyumba.