Pfungwa ye "kodzero yekurenda" yanga ichitenderera kuWashington anenge makore mana. Pasi pechikumbiro ichi, varidzi vemba vakavharirwa vaizobvumidzwa kugara mumba mavo sevarindi vanobhadhara rendi yemusika, kwenguva yakati rebei (semuenzaniso makore mashanu) zvichitevera kuvharirwa. Kunyange zvazvo mabhiri akawanda akaunzwa muCongress, Mutungamiri Obama vanogona ikozvino kuwana mukana mutsva wekutungamira panyaya iyi.
Huwandu hwakawanda hwezvikwereti zvakapihwa kubva mukudonha kwemari munaGunyana 2008 zvakatengwa naFannie Mae naFreddie Mac kana kupihwa inishuwarenzi neFederal Housing Authority. Izvi zvakonzera mhedzisiro inonakidza, asi inofanotaurwa. Iyo data ichangoburwa inoratidza kuti inopfuura hafu yezvitsva zvakavharwa zviri padzimba idzo Fannie naFreddie vangangobata remba kana kuti vakaisa inshuwarisi yemortgage inotsigirwa chengetedzo maanogara.
Panzvimbo pekuve dambudziko rekuti mabhanga atarise, dambudziko rekuvharirwa ratove dambudziko rehurumende, sezvo hurumende yeFederal yava muridzi uye inodzora Fannie naFreddie. Izvi zvave kureva kuti mutungamiri wenyika VaObama havachafanirwa kukumbira kumabhanga kuti vanhu vagare mudzimba dzavo. Anogona kuzviita ega. Uye, anogona kuratidza mabhangi maitiro ekuita nemazvo.
Chipokiso chikuru icho mabhanga airamba achisimudza apo akakurudzirwa kuti agadzirise pane kuvharidzira, yaive yengozi yehunhu. Kana varidzi vemba vakaziva kuti vanogona kuwana zvese zviri zviviri mubereko wakaderera uye musimboti mukuru kunyora-pasi nekupotsa mari shoma yekubhadhara imba uye kukumbira hurombo, saka uri kuvapa chikuru kukurudzira kuenda nenzira iyi. Mamirioni evaridzi vedzimba vanokwanisa kubhadhara imba yavo vanozosarudza kugadzirisa.
Mabhanga aive aine poindi kudivi repolicy. Kunyange zvazvo chimwe chechikwereti chechikwereti chakabatwa nemabhangi, zvikwereti zvinotsigirwa nezvikwereti zvinobatwa nevashambadziri vakasiyana-siyana kusanganisira mari yepenjeni, mutual funds ne 401 (k) mari, uye yunivhesiti. Zviri pachena kuti hazvina kunaka kuita kuti vanoisa mari ava vatore kurova. Uye kunyangwe nemabhangi, kana kurasikirwa kwavo kuchitungamira kune mamwe mabailouts ndivo vateresi vanotora hit.
Uye havasi vese varidzi vedzimba vari kunetsekana nemhuri dzine mari iri pakati nepakati vakawana zvikwereti zvinonyengera. Vazhinji varidzi vedzimba mhuri dzine mari yepakati vakawana zvikwereti zvekutanga.
Zvematongerwo enyika zvinotaridzika zvakanyanya kuipa. Bato reTea rakatangwa neruzha rweterevhizheni pamusoro pekubhadhara "chikwereti chemuvakidzani wako." Zvakaratidza kuti zviri nyore kune kodzero yekushandisa chifananidzo ichi chegoridhe-yakaputirwa nehurumende chekupa, kunyangwe chirongwa chaObama chaicho chaive chisiri cherudzi urwu.
Ndimo muchirevo chechinyorwa chino kuti kodzero yekurenda inonyanya kuratidza bullet proof. Haisi rubatsiro rwakanyanya. Vanhu vacharasikirwa nemuridzi wemba yavo. Asi zvichavapa chengetedzo yedzimba kwenguva yakati rebei. Uye inozviita nenzira isingade mari yemutero uye hapana hutsva hutsva.
Sechikamu chehurongwa hwekuvharirwa, varidzi vedzimba vaizopihwa mukana wekugara pamba pavo vachibhadhara rendi yemusika, sekutsanangurwa kwazvinoitwa nemuongorori akazvimiririra. Iyi ndiyo nzira imwechete yekuongorora maitiro ayo mabhanga anoshandisa kana achifunga nezve remba rekushandisa. Inogona zvakare kurongeka kuti ive nechokwadi chekuti mamirioni haasi kutamba iyo system. Miganho inogona kuiswa kuitira kuti sarudzo iende kudzimba dzinodhura zvishoma pane yepakati mutengo kana isingasviki ka1.5 mutengo wepakati munzvimbo yemetropolitan.
Izvi hazvibatsire munhu wese. Avo vakarasikirwa nemabasa avo uye vasina mari yenguva dzose kana kuti mari yavanochengeta vachawana kunyange rendi yomusika isingatengeki. Zvakadaro mumisika mizhinji yaimbove mabubble rendi yemusika iri pasi pehafu yembavha yaizobhadharwa nevanhu vanotenga pedyo nepamusoro pebubble. Kuchinja kwekuroja kwaizoita kuti imba ikwanise kutengwa uye kusunungura mari yekushandisa pane zvimwe zvinhu, zvichisimudzira hupfumi. Ehezve nharaunda yese inowana kana imba ikaramba iine vanhu pane kukwiridzirwa sevhavha.
Zvinotora mutemo wakadzikwa neCongress kugadzira kodzero yekurenda vanhu vanorasikirwa nemba yavo kuti vavharwe. Nekudaro, Mutungamiri Obama vanogona kuita unilaterally kuda kuti Fannie naFreddie vaende nenzira iyi.
Fannie naFreddie vatova nemapurogiramu mashoma pamwe chete nekodzero yekurenda modhi panzvimbo, asi ivo vanoomesera mumakanika avo uye vakangopihwa kune vashoma vevaridzi vemba. Mutungamiri Obama vaigona kuudza hofori dzehurumende idzi kuti dzitange kupa sarudzo yekurenda kune vese varidzi vedzimba.
Hurumende yatorasikirwa nepamusoro pezvikamu makumi mashanu kubva muzana zvemutengo wechikwereti paavhareji yekuvharirwa, saka pane kurasikirwa kwakanyanya kunogona kuitika nekubvumira sarudzo yekurenda. Uye, kana vakachengeta vanhu mudzimba dzavo uye nemahombekombe munzvimbo dzakavakidzana, pachava nemhindu huru kwazvo. Uye, ichapa muenzaniso wakanaka kumabhangi. |
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