Inguzanyo
Yasimbutse mubushakashatsi bwa MBA bugezweho
05/05/2022
Dukurikije imibare iheruka gutangwa n’ishyirahamwe ry’abakozi ba Mortgage Bankers (MBA) Icyumweru cyo gusaba inguzanyo ku cyumweru cyarangiye ku ya 29 Mata 2022, gusaba inguzanyo byiyongereyeho 2,5% kuva icyumweru gishize nyuma y’ibyumweru umunani byagabanutse.
Mugihe isoko ryisoko ryisoko, igipimo cyinguzanyo zinguzanyo zisaba inguzanyo, cyerekana ubwiyongere bwigihe cyagenwe, umubare wabasabye utabigenewe wiyongereye ugereranije nicyumweru gishize.
Umugabane wo gutera inkunga ibikorwa byinguzanyo wongereye umubare wabasabye kuva icyumweru gishize.Umubare rusange wabasabye kugabana inyungu zishobora kugabanywa inguzanyo (ARM) ziyongereye.
Ariko, ibisabwa byose bya FHA hamwe na VA umugabane wibisabwa byose nabyo byagabanutse.
Impuzandengo yamasezerano yinguzanyo yimyaka 30 yinguzanyo yagenwe hamwe ninguzanyo ihwanye ninguzanyo yazamutse, kandi ingingo yinguzanyo-ku gaciro (LTV) iragabanuka.Igipimo cyinyungu gifatika cyiyongereye muri iki gihe.
Impuzandengo yamasezerano kumyaka 30 yinguzanyo-yagenwe hamwe ninguzanyo ya jumbo yiyongereye kandi amanota yinguzanyo ya LTV yagabanutse.Ibiciro bifatika nabyo byiyongereye vuba aha.
Nkuko Visi Perezida wungirije wa MBA ushinzwe iteganyagihe ry’ubukungu n’inganda Joel Kan yigeze kubivuga, umubare munini w’inguzanyo mu bushakashatsi bwa MBA wakomeje kwiyongera, aho igipimo cy’imyaka 30 cyagenwe kigeze ku rwego rwo hejuru kuva muri Werurwe 2020 kuri 3.78%.Nubwo izamuka ryibiciro, gusaba inguzanyo biracyiyongera kubera kwiyongera mubisanzwe.Umubare wabasabye ushobora kuba warabonye ihindagurika vuba nkuko ibyumweru byibasiwe nibiruhuko hamwe nabaguriza bagerageza guterwa inkunga mbere yuko ibiciro byimuka.
Kugura ibyifuzo nabyo byariyongereye, ariko biracyari munsi yumwaka ushize.Impuzandengo yo kugura inguzanyo yaguze ubushakashatsi bushya na none.Kwinangira kurwego rwo hasi rwibarura no kuzamuka kwizamuka ryibiciro byurugo byakomeje gutwara ingano yinguzanyo hejuru.
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 cyo kohereza: Gicurasi-06-2022