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Amakuru yinguzanyo

Inguzanyo zishobora kugabanywa Inguzanyo zirimo kuba
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19/5/2022

Nk’uko Ishyirahamwe ry’Abanyamabanki rya Mortgage ribitangaza, icyifuzo cy’inguzanyo zishobora kugabanywa, cyangwa ARMs, cyageze ku myaka 14 hejuru mu cyumweru gishize.Mugihe igipimo cyinyungu kizamutse, abahawe inguzanyo batangira gushaka uburyo buhendutse kugirango bahangane n’ibiciro byinguzanyo.

Ariko hamwe n’inyungu izamuka, iyi nguzanyo izongera kuba ikibazo nkuko byagenze mu isenyuka ry’imitungo itimukanwa mbere y’ubukungu bukomeye?Abahanga bavuga ko bidashoboka kuko izo nguzanyo zikaze kurusha izabanje, ariko zishobora kuba zidakwiriye abantu bose.

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Nk’uko abahanga bamwe babivuga, kubera ko byari byoroshye kubona inguzanyo mbere, bamwe mu baguriza babeshya ibyo binjiza kandi ubusanzwe babona inguzanyo byoroshye.Ariko uyumunsi, biragenda bikomera.

Nk’uko Freddie Mac abitangaza ngo igipimo cy’inguzanyo z’imyaka 30 cyagenwe cyageze kuri 5.3% mu cyumweru gishize, urwego rwo hejuru kuva muri Nyakanga 2009 kandi ruva kuri 3.22% mu cyumweru cya mbere cy’umwaka.Inguzanyo yimyaka 30 yagenwe ninguzanyo zizwi cyane kugura amazu.

Amateka, ARMs zabaye ubundi buryo bushimishije kubaguriza bashaka igipimo cyambere cyo hasi ugereranije ninguzanyo gakondo yagenwe.

Bitandukanye ninguzanyo gakondo, ifite inyungu ihamye mugihe cyinguzanyo zose, ubwishyu bwa ARM burashobora guhinduka mugihe runaka.Igipimo cyinyungu gisubirana nyuma yigihe cyumvikanyweho mbere kandi kizagaragaza uko igipimo cyinyungu kiriho, bigatuma ubwishyu buri kwezi cyangwa buke.

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INGABO zuyu munsi ziratandukanye nizo muri 2008 kuko zigenzurwa cyane.Amabwiriza mashya agenga igipimo cy’ibipimo ngenderwaho, bigabanya ijanisha ryiyongera ku gihe ndetse no mu gihe cy’ubuzima bw’inguzanyo, bikagabanya ingaruka zo guhomba kwishura abahawe inguzanyo bashobora guhura nabyo.Ibipimo byinguzanyo ninjiza nabyo byarushijeho gukomera, bituma abatanga inguzanyo bagenzura ko ARM izaba igisubizo cyigihe kirekire kubaguriza.

Mugihe igipimo cyinguzanyo kigera kuri 5%, abaguzi benshi kandi benshi bashobora kugura inguzanyo zishobora kugabanywa.Ishyirahamwe ry’amabanki ya Mortgage rivuga ko umugabane wa ARM wikubye inshuro eshatu ugereranije no mu ntangiriro za 2022.

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Ninde ukwiye kubona INGABO?

Niba abahawe inguzanyo bashaka igipimo gito, inguzanyo ishobora kugabanywa irashobora kuba umwanya mwiza wo kuruhuka kwishura kwabo - ariko ntibizaramba.

Nk’uko abahanga bamwe babivuga, abaguzi bwa mbere barashobora kwifashisha inyungu nkeya za ARM mugihe cyagenwe mbere yuko bacuruza.Ariko mbere yo kugira icyo ikora, abahawe inguzanyo batekereza inguzanyo zishobora kugabanywa bagomba gukora umukoro wabo kandi bagakoresha calculatrice kugirango barebe uburyo kwishyura inguzanyo zabo bishobora guhinduka mugihe cyimyaka itandatu kandi niba bafite ubushobozi bwo kwishyura.

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.


Igihe cyoherejwe: Gicurasi-19-2022