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Yintoni iMali-mboleko eQhelekileyo?

Imali-mboleko ehambelanayo yimali-mboleko enemigaqo nemiqathango ehlangabezana nemilinganiselo yenkxaso-mali kaFannie Mae noFreddie Mac.Imali-mboleko ehambelanayo ayinakudlula umda othile wedola, otshintsha unyaka nonyaka.Ngo-2022, umda yi-647,200 yeedola kwiindawo ezininzi zase-US kodwa uphezulu kwezinye iindawo ezibiza kakhulu.Unokukhangela kwi-intanethi kwimali mboleko yedolophu nganye ehambelana nemida yemali mboleko kulo nyaka.

Uthumo lukaFannie Mae kunye noFreddie Mac lubangela ukuba bathenge uninzi lweebhanki zokubambisa ezinikezelayo.Kodwa ukuze bamkeleke, abanako ukwenza ngokuthanda;kufuneka zilinganiswe kwaye zenziwe phantsi kwezikhokelo ezithile.Kulapho inxalenye ehambelanayo ingena khona, kwaye kutheni kukho imithetho emininzi yokubhala phantsi kwezi mboleko: kukulinganisa imali mboleko ukuze uFannie Mae noFreddie Mac bazithenge.

Zeziphi iintlobo zeeMali-mboleko ezihambelana ne-AAA?

Ungababona ababolekisi bezindlu bekunika amaxabiso awohlukeneyo “eMali-mboleko eQhelekileyo ngokuQinisekisayo” kunye “neMali-mboleko eBone kakhulu”.Ngokwenyani, zombini ezi nkqubo zimbini zibizwa ngokuQinisekisa imali-mboleko.

Ngowuphi umahluko kwiMali-mboleko eThobelanayo kunye neMali-mboleko engangqinelaniyo?

Kukho iindidi ezahlukeneyo zeemali-mboleko onokuzisebenzisa ukuthenga ikhaya, kwaye imali-mboleko ehambelanayo nengangqinelaniyo zezona zixhaphakileyo.Imali mboleko ehambelanayo idibana nezikhokelo ekufuneka zithengiswe nokuba nguFannie Mae okanye uFreddie Mac, abona bathengi babini bakhulu e-US mboleko engahambelaniyo, kwelinye icala, zezo ziwela ngaphandle kwezo zikhokelo, ukuze bangabinako. ithengiswe kuFannie Mae okanye kuFreddie Mac.
Zonke iimali zokubambisa ziwela phantsi kwenye yezi ambrela zimbini-zihamba ngokuhambelana nezikhokelo zikaFannie noFreddie, okanye azinjalo.Umahluko phakathi kwezi zimbini ukhokelela kwiziphumo ezinomdla emva kweziphumo ezichaphazela wena-umthengi.

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