Malire a ngongole ovomerezeka adzawonjezeka kuchoka pa $ 647,200 mu 2022 kufika ku $ 726,200 m'madera ambiri a US, kuwonjezeka kwa pafupifupi 12 peresenti;malire m'madera okwera mtengo adzawonjezekanso, kuchoka pa $970,800 kufika pa $1,089,300.*Kwa nyumba za 1 Unit

Aka ndi koyamba m'mbiri kuti boma la federal la US liyambe kuthandizira ngongole zanyumba zoposa $ 1 miliyoni, zomwe ndi chizindikiro chofunika kwambiri!Ndizofunikiranso kwa onse ogula nyumba.

Ndiye kodi Conforming Loan Limit (CLL) ndi chiyani kwenikweni?

Kodi malire angongole anthawi zonse ndi otani?

Kuti timvetsetse kuti ngongole yanthawi zonse imakhala yotani, choyamba tiyenera kumvetsetsa kuti ngongole wamba (Conforming Loan) ndi chiyani.

Ngongole zofananira ndiye mtundu wangongole wofala kwambiri pamsika waku US masiku ano, ndipo ogula ambiri amafunsira ngongole zamtunduwu.

Ngongolezi nthawi zambiri zimakhala zolimba kwambiri potengera zomwe ogula amafuna ndipo ndi thandizo la boma kwa ogula omwe ali ndi mitengo yotsika, zomwe zimalola ogula omwe ali ndi ngongole zotsika komanso zotsika mtengo zogulira nyumba.

Mwalamulo, Ngongole Zogwirizana zimavomerezedwa pansi pa malamulo a Fannie Mae ndi Freddie Mac.

Makampani onsewa adzayika ngongole monga Mortgage-backed securities (MBS) ndikugulitsa kwa osunga ndalama pamsika wotseguka.

Chifukwa cha kuchuluka kwa ndalama komanso chithandizo chaboma, chiwongola dzanja cha ngongole zofananira nthawi zambiri chimakhala chotsika kuposa cha ngongole zosagwirizana ndipo chivomerezocho sicholimba, koma nthawi yomweyo ngongole yomwe mungapeze pangongole yamtunduwu imatha. asakhale aakulu kwambiri.

Chifukwa chake, Conforming loan ndi ngongole yanyumba yomwe imakwaniritsa zomwe Fannie Mae ndi Freddie Mac adachita, ndipo Fannie Mae ndi Freddie Mac atha kugula ngongole zanyumba zocheperapo.

Malire, amaikidwa ndi Federal Housing Finance Agency (FHFA).

Kodi malire amaikidwa bwanji pa ngongole wamba?

Monga momwe nyumba imakhudzidwira mtengo wake pakapita nthawi, lamulo la Housing and Economic Recovery Act (HERA), loperekedwa ndi boma la US mchaka cha 2008, limapereka kusintha kwapachaka kumalire angongole wamba ndikukhazikitsa njira yokhazikika yoletsa kubwereketsa kuwerengera kusintha kwamitengo yanyumba. ku United States.

Malirewo amaikidwa ndi Federal Housing Finance Agency (FHFA), yomwe imayang'ana kusintha kwamitengo yamitengo yapanyumba kuyambira chaka cham'mbuyo chomwe bungwe la Federal Housing Finance Board (FHFB) linanena mu Okutobala chaka chilichonse kuti lisinthe malire angongole, zomwe zidzalengezedwa November wotsatira.

Tchati chomwe chili pansipa chikuwonetsa kusintha kwa malire a Conforming Loan kuyambira 1980 mpaka 2023, ogwira ntchito ku United States ambiri.

Kuyambira kuchiyambi kwa 2020, malire a ngongole wamba a 2023 awonanso kukwera kwakukulu chifukwa kufunikira kwa malo okhala ndi nyumba kwakwera chifukwa cha kuchepa kwa chiwongola dzanja komanso chizolowezi chogwirira ntchito kunyumba, komanso mitengo yogulitsa nyumba ku US yakwera ndi pafupifupi 40%.

Ngakhale FHFA imakhazikitsa malire angongole wamba, dera lililonse lili ndi malire ake okhazikika.

Izi zili choncho chifukwa m’madera ena amene mitengo ya nyumba ili pamwamba pa chiwerengero cha dziko lonse, monga New York City, Seattle, ndi San Francisco, mtengo wapakati wa nyumba zapakatikati wafika pa 115% kapena kupitirira malire a ngongole wamba.

M'madera amenewa, FHFA imalola kuti ndalama zambiri zibwerekedwe pangongole wamba (Super Conforming Loans), zomwe zimadziwikanso kuti High Balance Loans.

Pa Ngongole Zapamwamba, HERA ikufunanso kuti kubwereka kwakukulu kusapitirire 150% ya malire a Conforming Loan.

Kugwiritsa ntchito madera anayi okwera mtengo osankhidwa ndi malamulo monga zitsanzo za Alaska, Hawaii, Guam, ndi US Virgin Islands.Malire a Ngongole Yapamwamba ya 2023 ndi 150% ya malire a Ngongole Yachizolowezi, kapena $1,089,300.($726,200*150%=$1,089,300)

Kodi izi zimakhudza bwanji ogula nyumba?

Malire a ngongole apamwamba amatanthauza kuti ogula nyumba amatha kukwaniritsa zofunikira za ngongole, ndipo ngongole zomwe zimakwaniritsa malire zimakhala ndi ma APR ochepa komanso malipiro ochepa pamwezi kwa obwereketsa.

Ngongole zomwe zimadutsa malire amalire ongobwereketsa nthawi zambiri zimatchedwa Jumbo Loans, zomwe nthawi zambiri zimakhala ndi chiwongola dzanja chochuluka kuposa Conforming Loans .

Koma ndi kuchuluka kwa ndalama zisanu ndi chimodzi za Fed mchaka chonsecho, chiwongola dzanja pa ngongole wamba chakwera.Malinga ndi ziwerengero zaposachedwa kwambiri za Freddie Mac, chiwongola dzanja chapakati pa ngongole yokhazikika yazaka 30 ndi 6.49%, kuwirikiza kawiri zomwe zinali kumayambiriro kwa chaka!

Koma tsopano AAA LENDINGS ikupereka malonda a Jumbo Loan ndi chiwongola dzanja chotsika kwambiri5.250%!