Nigute Ukurikiza Amabwiriza y'Ikigo cyo Kwagura Inguzanyo ya Jumbo

Mwisi yinguzanyo zamazu, kumva uburyo bwo gukurikiza umurongo ngenderwaho wibigo ningirakamaro mugihe cyo kubona inguzanyo yagutse. Inguzanyo yagutse ya jumbo itanga abahawe inguzanyo imipaka ntarengwa kandi yoroheje, ariko abatanga inguzanyo bagomba kwemeza ko bakurikiza amategeko amwe. Aya mategeko ashyirwaho ninzego nkaFannie Mae, Freddie Mac, hamwe n’ubuyobozi bukuru bw’imiturire (FHA).

Gutangira, gukurikiza amabwiriza yikigo bifasha kwemeza ko uwagurijwe yujuje neIYIsary ibyangombwa byinguzanyo yagutse ya jumbo. Izi nguzanyo akenshi zifite amafaranga menshi kandi asabwa amanota yinguzanyo. Iyo ukurikiranye neza amabwiriza yikigo, uremeza ko umutungo wujuje ubuziranenge bwikigo kubunini, ahantu, nibindi bintu byingenzi.

Byongeye kandi, kwagura inguzanyo ya jumbo akenshi bizana amagambo meza mugihe amabwiriza yikigo akurikijwe cyane. Abatanga inguzanyo bakora mu mbibi z’aya mabwiriza birashoboka cyane kubona inguzanyo nziza, nk’inyungu ntoya no kugabanya amafaranga ku baguriza. Gukurikiza umurongo ngenderwaho kandi byerekana inzira yo kwemeza, kugabanya gutinda no kunoza amahirwe yo kwemeza inguzanyo.

Kubaguzi bashaka imitungo minini cyangwa amazu ahantu hahenze cyane, inguzanyo ya jumbo yagutse nuburyo bwingenzi. Ariko wibuke, nubwo izo nguzanyo zitanga imipaka ntarengwa yo kuguza, kwemeza ko ukurikiza umurongo ngenderwaho wibigo ni urufunguzo rwo kugera kubintu byiza bishoboka no kwemererwa.

Mu gusoza, akamaro ko gukurikiza umurongo ngenderwaho wibigo ntigishobora kuvugwa mugihe uhuye ninguzanyo zagutse. Aya mabwiriza ntabwo yemeza gusa ko inguzanyo yubahiriza amabwiriza ahubwo inaha abahawe inguzanyo ibihe byiza bishoboka. Buri gihe ugenzure amabwiriza yikigo mbere yo gusaba inguzanyo yagutse ya jumbo kugirango wongere amahirwe yawe yubukungu.