Kuyabonakala ukuba kufuneka sibanike ngaphezu kwe-200 yezigidi zeerandi kwiibhonasi ukubanika inkuthazo eyaneleyo yokuphulukana nabahlawuli berhafu iibhiliyoni zeedola. I-NYT ithi abasebenzi abangama-213 babekelwe iibhonasi ezingaphezu kwe-100k yeedola nganye kwaye abo bahlawulwa kakhulu baya kufakwa kwi-1 yezigidi zeedola.
Oko kubonakala ngathi yimali eninzi. Ngapha koko, asinakukwazi ukuhlawula umntwana wesikolo samabanga aphakamileyo owona mvuzo uphantsi wokulahla iidola zabarhafi? Ukucaca nje, andibhekiseli kwimali elahlekileyo kwimali-mboleko yabo yangaphambili, ndibhekisa kwimali abaphulukana nayo kwiimali-mboleko ezithengwa nguFannie noFreddie yonke imihla.
UFannie noFreddie bayaqhubeka nokuthenga iimali-mboleko ezazisetyenziselwa ukuthenga amakhaya ngamaxabiso anyuswe ngamaqamza. Ezi mboleko ziya kuhamba kakubi kumazinga aphezulu kakhulu, kuba amaxabiso aya kuhla kwaye umninimzi uya kuba ngaphantsi kwamanzi. Iimali zokubambisa ezingaphantsi kwamanzi zinokwenzeka ukuba ziphele ngokuvala okanye kwiintengiso ezimfutshane.
Indlela elula yokuphepha ukukhupha imali-mboleko enokuthi ikhokelele kwilahleko enkulu kukuseka amaxabiso kuvavanyo lwerenti. Ukuba uFannie noFreddie bayala ukuvuma naziphi na iimali-mboleko ezingenakuthetheleleka ngokusekwe kuphinda-phindwe kayi-15 irenti eqikelelweyo yonyaka (kunye noguquko oluthile lwengingqi), ngoko banokuwunciphisa kakhulu umngcipheko welahleko.
Qaphela ukuba lo mgaqo-nkqubo uya kunceda, kungekhona ukulimaza, abaninimzi. Asenzeli mntu ububele ngokubakhuthaza ukuba bathenge ikhaya ngexabiso elinyuswe ngamaqamza. Bagqiba ukuhlawula ngaphezulu kwiindleko zezindlu ngonyaka ngamnye abahlala ekhaya kwaye banokuphela nge-foreclosure okanye ukuthengiswa okufutshane xa beshiya ikhaya, okanye ubuncinci belahlekelwa nayiphi na i-equity abayibekayo.
Ndaphikisana ngokuphindaphindiweyo kunye neengcali zezoqoqosho eFannie noFreddie malunga nobukho be-bubble yezindlu kwiminyaka ye-2002 ukuya ku-2007. Ndiya kucinga ukuba asisadingeki ukuba sibe nale ngxabano. Ngelishwa, uFannie noFreddie basaboleka imali ngokungathi abaliqapheli iqamza. Kunzima ukuthethelela imivuzo emithandathu nesixhenxe kweli nqanaba lokungakwazi ukwenza umsebenzi.
[Ndiphantse ndalibala ukukhankanya iibhodi zabalawuli bezi nkampani ziphantsi kukarhulumente. Amalungu ebhodi eFreddie ahlawulwa i-$160k ngonyaka. Ndicinga ukuba imivuzo eFannie iyathelekiswa. Lo ngumvuzo olungileyo kakhulu womsebenzi karhulumente, ngakumbi kuba abalawuli mhlawumbi bafaka iiveki ezimbalwa ngonyaka womsebenzi. Kwaye, aba ayingobantu abakrelekrele ngakumbi. Abaninzi kubo balala ngokutshona kukaFannie noFreddie.]
โ Eli nqaku lapapashwa ngo-Aprili 4, 2009 yi-TPMCafรฉ (iMemo yeeNgcaciso zokuThetha).
I-ZNetwork ixhaswa ngemali kuphela ngesisa sabafundi bayo.
Nikela