Gufungura nyirurugo hamwe ninguzanyo za Agency

Kugura inzu muri Reta zunzubumwe zamerika ninzozi kuri benshi, ariko kugendera kumiterere yinguzanyo birashobora kumva bikabije. Kubwamahirwe, Umurwa mukuru wa AAAishoramari, Inc, binyuze muburyo bushya bwo gutanga inguzanyo nkaInguzanyo y'Ikigo, koroshya uru rugendo. Bishyigikiwe n'ibihangange mu ngandaFannie Maena Freddie Mac, anInguzanyo y'Ikigoitanga inyungu ntagereranywa, harimogutera inkunga byoroshyenaigipimo cyo gupiganwa, kubigira amahitamo meza kubaguzi bwa mbere na banyiri amazu bamenyereye kimwe. Waba ureba inzu nziza yumuryango umwe mu Ntara ya Los Angeles cyangwa condominium igezweho, iki gicuruzwa cyinguzanyo kigaragara nkinzira yizewe yo gutunga amazu.

Ibuye rikomeza imfuruka yaInguzanyo y'Ikigonigutera inkunga byoroshyeamahitamo. Bitandukanye ninguzanyo gakondo gakondo, iki gicuruzwa gihuza ibyifuzo bitandukanye byinguzanyo. Kurugero, AAA LENDINGS ihuza Standard Fannie Mae na Freddie Mac Guhuza hamwe na Gahunda Zinguzanyo Zingana Mubitangwa. Ibi bivuze ko abahawe inguzanyo bashobora kubona inguzanyo zijyanye nubukungu bwabo, baba bahisemo inguzanyo ihwanye n’urugero rusanzwe cyangwa inguzanyo isigaye ku masoko akomeye nka Los Angeles. Byongeye kandi, porogaramu nka HomeReady na HomePossible zita kubafite amafaranga yinjiza make, zitanga uburyo bworoshye bwo kwishyura no kugabanya amafaranga yubwishingizi bwinguzanyo. Uku guhuza n'imihindagurikire y'ikirere byemeza ko anInguzanyo y'Ikigontabwo arimwe-gihuza-igisubizo cyose ahubwo ni igikoresho cyihariye cyo kugera kubafite amazu.

Ikindi kintu kigaragara niigipimo cyo gupiganwaiInguzanyo y'Ikigo. Ku isoko aho inyungu zihindagurika, kubona igipimo gito, cyagenwe gishobora gukiza abahawe inguzanyo ibihumbi mubuzima bwinguzanyo zabo. Ubushakashatsi bwakozwe ku isoko ry’ibanze rya Freddie Mac bwerekana ko ibiciro byo guhuza inguzanyo byakomeje kuba byiza, akenshi bikamanuka munsi y’ikigereranyo cy’isoko risanzwe. Kurugero, mu ntangiriro za 2025, imyaka 30 yinguzanyo yagenwe yagereranijwe hafi 6.2%, arikoInguzanyo y'Ikigokenshi batanga ibiciro 0.25% kugeza 0.5% munsi kuberako leta ihagaze neza. Ubu bushobozi ni uguhindura umukino, cyane cyane iyo uhujwe na gahunda ya leta ya AAA LENDINGS ya Leta yo kwishyura (DPA) nka HOP80 na HOP120, itanga amadolari 100.000 cyangwa 85.000 $, kugirango yorohereze umutwaro wibiciro byambere.

Kurenga kuri izo nyungu,Inguzanyo y'Ikigoguhuza bidasubirwaho nibikorwa nka gahunda ya HOP ya Los Angeles County HOP, yagenewe gutura mbere mubice bidafite aho bihuriye cyangwa mumijyi yitabiriye. Hamwe nigiciro ntarengwa cyo kugura $ 700,000 kuri HOP80 cyangwa $ 850.000 kuri HOP120, abaguzi barashobora gukoresha anInguzanyo y'Ikigogutera inkunga imitungo nkamazu yumuryango umwe, udukingirizo, cyangwa inzu yumujyi. Kwishura-gutinda, 0% yinyungu ya kabiri yatanzwe na DPA irusheho kongera ubushobozi, bisaba kwishyurwa gusa iyo inzu igurishijwe cyangwa itagifite nyirayo. Ubu bufatanye hagatigutera inkunga byoroshyenaigipimo cyo gupiganwairemeza ko abahawe inguzanyo batagura inzu gusa - bashora imari mu gihe kizaza.

Ingero zifatika-zishimangira agaciro kaInguzanyo y'Ikigo. Fata umuryango mu Ntara ya Los Angeles ugura inzu ya $ 650.000. Muguhuza anInguzanyo y'Ikigohamwe na HOP80 100.000 $ DPA, bagabanya ingwate zabo za mbere kugeza $ 550.000, babone igipimo cya 5.75% bahiganwa binyuze muri AAA LENDINGS. Mu myaka 30, ibi bizigama inyungu zirenga 40.000 $ ugereranije ninguzanyo isanzwe kuri 6.25%. Kuzigama nk'uku byerekana impamvuInguzanyo y'Ikigoni amahitamo yo hejuru kubaguzi-bamenya kugura bashaka guhinduka no guha agaciro.

Mu gusoza, anInguzanyo y'Ikigokuva muri AAA Capital Investment, Inc. ntabwo birenze inguzanyo-ni irembo ryubwisanzure bwamafaranga. Hamwe nagutera inkunga byoroshyeibyo bihuye nibyo ukeneye kandiigipimo cyo gupiganwaibyo bikomeza ibiciro biri hasi, iki gicuruzwa giha imbaraga abaguzi guhindura inzozi zo gutunga amazu. Waba uri umuguzi wambere cyangwa kuzamura imitungo iringaniye, theInguzanyo y'Ikigoitanga igisubizo cyubwenge, gihenze kijyanye nisoko ryumunsi.