Nin ye Mun na Fannie Mae, Freddie Mac ka bolomafaraw bɛ ka caya 30%

Mun na Fanni ni Freddie bɛ ka wuli ?

Fani Mae (FNMA) ni Freddie Mac (FMCC) ka bolomafara sɔngɔw, n’olu ye gɔfɛrɛnaman ka baarakɛda minnu ye (GSE) minnu bɛ Ameriki sow jɔli sugu cɛmancɛ la, kɔsa in na, u ye wuliba sɔrɔ, u wulila fo ka se 30% ma tile kelen kɔnɔ. Nin binkanni suguya in tɛ ko ye min tɛ kɛ nin sosiyete fila ninnu na, minnu bɛ "conservateur" cogo la gɔfɛrɛnaman ka fanga kɔrɔ kabini san 2008 wariko gɛlɛya. A bɛ san tan ni kɔ bɔ, u ka siniɲɛsigi bɛ kɛ politiki ni sariya sɔsɔli fɛ sanni ka kɛ sugu laada jɔnjɔnw ye. Nka, nin wuli laban in sababu bɔra yiriwaliba dɔ la, waridonnaw dalen b’a la ko min bɛ se ka laban ka sira dabɔ u ka bɔ gɔfɛrɛnaman ka fanga kɔrɔ ani ka nafa seginni se ka kɛ jatebɔlaw ma.

Sparki : sariyako sebaaya jɔnjɔn dɔ

Mɔgɔ min ye wuli teliya la, o kɛra kiritigɛ ɲuman ye min bɔra Ameriki jamana ka kiritigɛso duurunan fɛ. Kiiritigɛso ye jatebɔlaw fan fɛ kiritigɛwale dɔ la min kɛra kabini tuma jan, ka sɔsɔli kɛ "nafolo sɛgɛsɛgɛli" kan, min kɛra fédéral gofɛrɛnaman fɛ san 2012. O politiki in ye tɔnɔ bɛɛ bila Fannie ni Freddie fɛ ka taa Ameriki nafolomarayɔrɔ la, ka jagokɛlaw to foyi la. Kiiritigɛso y’a ye ko nin wale in tɛmɛna Fɛderasiyɔn ka sow jɔli wariko baarada (FHFA) ka fanga kan, n’o ye GSEw ka sow marabaga ye. O sariyako sebaaya in ye fanga kura don waridonnaw ka jigiya la ko tɔnɔ sɔrɔli sɔsɔli bɛ se ka wuli, o bɛ se ka kɛ sababu ye ka tɔnw bila ka kapitali marali daminɛ, ka laban k’a ye k’u ka jatew nafa bonyalen don kosɛbɛ.

Politiki ni sɔrɔko cogoya min ka bon

kiiritigɛso kɔfɛ , a bɛ iko politiki ni sɔrɔko fiɲɛw bɛ ka wuli ka taa sira fɛ min ka ɲi kosɛbɛ GSE labɛnni na . Dɔnniya min bɛ ka bonya, min bɛ kɛ jamana fila fɛ Washinton, ko sisan, baganmara cogoya tɛ fura sabatilen ye min bɛ se ka kɛ waati jan kɔnɔ, Ameriki ka sow jɔli wariko siratigɛ la. Laɲini dɔ bɛ ka ɲini walasa ka sabatili ni jɛya caman di. O tɛmɛnen kɔ, sisan mara in y’a jira ko a sinsinnen don kosɛbɛ sow sɔngɔko ni u sɔrɔli koɲɛw kan. Fannie ni Freddie labɛnni ye o puzzle gɛlɛn in cɛmancɛ yɔrɔ dɔ ye. Investisseurs bɛ ka pari kɛ ko nin politiki nege bonyalen in, n’o farala sariya degun kan, o bɛna politikitɔnw wajibiya ka laban ka sira jɔnjɔn dɔ sigi senkan ka bɔ conservateurship kɔnɔ.

sira jan min bɛ ɲɛfɛ ani waridonnaw nɔfɛkow

A nafa ka bon kosɛbɛ waridonnaw bolo k' a faamu ko hali ni kɔsa in na wulikan in ye koba ye , taama min bɛ kɛ ka ɲɛsin ɲɛnabɔli dafalen ma , o bɛ to ka jan , wa a falen bɛ dannayabaliya la . Sariya siratigɛ la, a ka c’a la, mɔgɔw bɛna wuli ka taa ɲɛ, wa sariyasunba fɛɛrɛ o fɛɛrɛ bɛ bɔ Kongresi fɛ, o bɛna kɛ sababu ye ka kumaɲɔgɔnya gɛlɛnw kɛ. O kɔlɔlɔ minnu bɛ se ka sɔrɔ, olu tɛ kelen ye kosɛbɛ, k’a ta kapitali seginni dafalen na ani ka bɔli kɛ, ka se sigikafɔ kura ma min sinsinnen bɛ gɔfɛrɛnaman kan kosɛbɛ. Ka wari bila o aksidanw na, o bɛ to ka kɛ hakilinata ye kosɛbɛ. Nka, faratiba muɲuni bɛ mɔgɔ minnu na, sara min bɛ se ka sɔrɔ, o ye dannaya ye ko sisan jatebɔ sɔngɔ ye hali bi, tɔnw ka bolomafaraw nafa hakɛ tilayɔrɔba dɔ ye, n’o ye tɔnw ye minnu hɔrɔnyalen don, minnu bɛ nafa sɔrɔ. Nin farati-sarako ɲɛfɔli asimɛtiri in de bɛ taa a fɛ ka kapitali sama.

• Sariya fanga : kiritigɛsoba dɔ ka kiritigɛ min kɛra "nafolo sɔrɔcogo ɲuman" kan, o ye waridonnaw ka jigiya kura ye .
• politiki nege : parti fila ka baro minnu bɛ ka bonya sow jɔli wariko sinsinni kan , olu bɛ ye taamasiyɛn ɲuman ye .
• Suguda jateminɛ : jagokɛlaw bɛ pari kɛ siniko la , sosiyetew bɛ bila yɔrɔ min na , wa u bɛ se ka kapitali jɔ kokura .
• Faraba, saraba : Atɔnw bɛ wuli ka bɔ u nɔ na , o bɛ pari hakilinata jira politiki ni sariyako ɲuman na .

ye "Kiritigɛso ka latigɛ min kɛra kɔsa in na, o ye senba ye walasa ka nafolosɔrɔko tilenbaliya ban ani ka Fannie Mae ni Freddie Mac segin u jɔyɔrɔ laɲininen na sow sugu la. Hali ni gɛlɛyaw bɛ yen, jagokɛlaw ka tilennenya sira jɛlen don ka tɛmɛn fɔlɔ kan."(Alimankan na) - Hakilina kelen min bɛ jatebɔlaw lafasabagaw cɛ.

dagɛlɛya siratigɛ la ni baarakɛminɛn ɲumanw ye

Jagokɛlaw ni waridonnaw ​​bolo minnu bɛ ko gɛlɛnw kɔlɔsi, minnu bɛ ka wuli i n’a fɔ Fannie ni Freddie ka saga, ka kɛ ni kunnafonidilanw bɛɛ ye minnu bɛ tali kɛ o ko la, o de nafa ka bon kosɛbɛ. A kɛra suguw lamagacogo nɔfɛtaama ye wo, a kɛra sariyaw bilali ye wo, walima kibaruyaw sɛrɛkiliw la wo, se min bɛ mɔgɔ la ka kunnafoniw fara ɲɔgɔn kan ani k’u sɛgɛsɛgɛ ka ɲɛ, o ye nafa ye min bɛ sɔrɔ ɲɔgɔndan na. O yɔrɔ de la, baarakɛminɛn modulari i n’a fɔ Mewayz b’a jira ko nafa ka bon kosɛbɛ. Mewayz b’a to ekipuw ka kunnafonidilan suguya wɛrɛw fara ɲɔgɔn kan, k’a ta wariko kibaruyaw la ka se sariya kunnafonidilanw ma, ka kɛ baarakɛcogo kelen ye, min bɛ bɛn ɲɔgɔn ma. Sani u ka ɲɔgɔndan kɛ ni plateforme caman ye minnu ni ɲɔgɔn cɛ tigɛlen don, baarakɛlaw bɛ se ka dashboard dɔ jɔ min bɛ kɛ ka kɛɲɛ ni u yɛrɛ sago ye walasa ka baarakɛcogo jiralan jɔnjɔnw ni kibaruyaw lasɔminiw kɔlɔsi minnu nafa ka bon kosɛbɛ u ka fɛɛrɛbɔ la, o bɛ se ka kɛ sababu ye ka latigɛ teliya la ani ka kunnafoni sɔrɔ sigida la min tɛ fɛn tiɲɛ.

Ɲininkali minnu bɛ kɛ tuma caman na

Mun na Fanni ni Freddie bɛ ka wuli ?

Fani Mae (FNMA) ni Freddie Mac (FMCC) ka bolomafara sɔngɔw, n’olu ye gɔfɛrɛnaman ka baarakɛda minnu ye (GSE) minnu bɛ Ameriki sow jɔli sugu cɛmancɛ la, kɔsa in na, u ye wuliba sɔrɔ, u wulila fo ka se 30% ma tile kelen kɔnɔ. Nin binkanni suguya in tɛ ko ye min tɛ kɛ nin sosiyete fila ninnu na, minnu bɛ "conservateur" cogo la gɔfɛrɛnaman ka fanga kɔrɔ kabini san 2008 wariko gɛlɛya. A bɛ san tan ni kɔ bɔ, u ka siniɲɛsigi bɛ kɛ politiki ni sariya sɔsɔli fɛ sanni ka kɛ sugu laada jɔnjɔnw ye. Nka, nin wuli laban in sababu bɔra yiriwaliba dɔ la, waridonnaw dalen b’a la ko min bɛ se ka laban ka sira dabɔ u ka bɔ gɔfɛrɛnaman ka fanga kɔrɔ ani ka nafa seginni se ka kɛ jatebɔlaw ma.

Sɔgɔsɔgɔninjɛ : sariyako sebaaya jɔnjɔn dɔ

Mɔgɔ min ye wuli teliya la, o kɛra kiritigɛ ɲuman ye min bɔra Ameriki jamana ka kiritigɛso duurunan fɛ. Kiiritigɛso ye jatebɔlaw fan fɛ kiritigɛwale dɔ la min kɛra kabini tuma jan, ka sɔsɔli kɛ "nafolo sɛgɛsɛgɛli" kan, min kɛra fédéral gofɛrɛnaman fɛ san 2012. O politiki in ye tɔnɔ bɛɛ bila Fannie ni Freddie fɛ ka taa Ameriki nafolomarayɔrɔ la, ka jagokɛlaw to foyi la. Kiiritigɛso y’a ye ko nin wale in tɛmɛna Fɛderasiyɔn ka sow jɔli wariko baarada (FHFA) ka fanga kan, n’o ye GSEw ka sow marabaga ye. O sariyako sebaaya in ye fanga kura don waridonnaw ka jigiya la ko tɔnɔ sɔrɔli sɔsɔli bɛ se ka wuli, o bɛ se ka kɛ sababu ye ka tɔnw bila ka kapitali marali daminɛ, ka laban k’a ye k’u ka jatew nafa bonyalen don kosɛbɛ.

Politiki ni sɔrɔko cogoya min ka bon

kiiritigɛso kɔfɛ , a bɛ iko politiki ni sɔrɔko fiɲɛw bɛ ka wuli ka taa sira fɛ min ka ɲi kosɛbɛ GSE labɛnni na . Dɔnniya min bɛ ka bonya, min bɛ kɛ jamana fila fɛ Washinton, ko sisan, baganmara cogoya tɛ fura sabatilen ye min bɛ se ka kɛ waati jan kɔnɔ, Ameriki ka sow jɔli wariko siratigɛ la. Laɲini dɔ bɛ ka ɲini walasa ka sabatili ni jɛya caman di. O tɛmɛnen kɔ, sisan mara in y’a jira ko a sinsinnen don kosɛbɛ sow sɔngɔko ni u sɔrɔli koɲɛw kan. Fannie ni Freddie labɛnni ye o puzzle gɛlɛn in cɛmancɛ yɔrɔ dɔ ye. Investisseurs bɛ ka pari kɛ ko nin politiki nege bonyalen in, n’o farala sariya degun kan, o bɛna politikitɔnw wajibiya ka laban ka sira jɔnjɔn dɔ sigi senkan ka bɔ conservateurship kɔnɔ.

sira jan min bɛ ɲɛfɛ ani waridonnaw nɔfɛkow

A nafa ka bon kosɛbɛ waridonnaw bolo k' a faamu ko hali ni kɔsa in na wulikan in ye koba ye , taama min bɛ kɛ ka ɲɛsin ɲɛnabɔli dafalen ma , o bɛ to ka jan , wa a falen bɛ dannayabaliya la . Sariya siratigɛ la, a ka c’a la, mɔgɔw bɛna wuli ka taa ɲɛ, wa sariyasunba fɛɛrɛ o fɛɛrɛ bɛ bɔ Kongresi fɛ, o bɛna kɛ sababu ye ka kumaɲɔgɔnya gɛlɛnw kɛ. O kɔlɔlɔ minnu bɛ se ka sɔrɔ, olu tɛ kelen ye kosɛbɛ, k’a ta kapitali seginni dafalen na ani ka bɔli kɛ, ka se sigikafɔ kura ma min sinsinnen bɛ gɔfɛrɛnaman kan kosɛbɛ. Ka wari bila o aksidanw na, o bɛ to ka kɛ hakilinata ye kosɛbɛ. Nka, faratiba muɲuni bɛ mɔgɔ minnu na, sara min bɛ se ka sɔrɔ, o ye dannaya ye ko sisan jatebɔ sɔngɔ ye hali bi, tɔnw ka bolomafaraw nafa hakɛ tilayɔrɔba dɔ ye, n’o ye tɔnw ye minnu hɔrɔnyalen don, minnu bɛ nafa sɔrɔ. Nin farati-sarako ɲɛfɔli asimɛtiri in de bɛ taa a fɛ ka kapitali sama.

dagɛlɛya siratigɛ la ni baarakɛminɛn ɲumanw ye

Jagokɛlaw ni waridonnaw ​​bolo minnu bɛ ko gɛlɛnw kɔlɔsi, minnu bɛ ka wuli i n’a fɔ Fannie ni Freddie ka saga, ka kɛ ni kunnafonidilanw bɛɛ ye minnu bɛ tali kɛ o ko la, o de nafa ka bon kosɛbɛ. A kɛra suguw lamagacogo nɔfɛtaama ye wo, a kɛra sariyaw bilali ye wo, walima kibaruyaw sɛrɛkiliw la wo, se min bɛ mɔgɔ la ka kunnafoniw fara ɲɔgɔn kan ani k’u sɛgɛsɛgɛ ka ɲɛ, o ye nafa ye min bɛ sɔrɔ ɲɔgɔndan na. O yɔrɔ de la, baarakɛminɛn modulari i n’a fɔ Mewayz b’a jira ko nafa ka bon kosɛbɛ. Mewayz b’a to ekipuw ka kunnafonidilan suguya wɛrɛw fara ɲɔgɔn kan, k’a ta wariko kibaruyaw la ka se sariya kunnafonidilanw ma, ka kɛ baarakɛcogo kelen ye, min bɛ bɛn ɲɔgɔn ma. Sani u ka ɲɔgɔndan kɛ ni plateforme caman ye minnu ni ɲɔgɔn cɛ tigɛlen don, baarakɛlaw bɛ se ka dashboard dɔ jɔ min bɛ kɛ ka kɛɲɛ ni u yɛrɛ sago ye walasa ka baarakɛcogo jiralan jɔnjɔnw ni kibaruyaw lasɔminiw kɔlɔsi minnu nafa ka bon kosɛbɛ u ka fɛɛrɛbɔ la, o bɛ se ka kɛ sababu ye ka latigɛ teliya la ani ka kunnafoni sɔrɔ sigida la min tɛ fɛn tiɲɛ.