Zvakaipisisa zvichiri kuuya kuUS

Los Angeles, California (eTN) - Pamusangano weAmerica's Lodging Investment Summit (ALIS) wakaitirwa pano Ndira 28-30, 2008, Gene Sperling, aimbova chipangamazano weWhite House National Economic akashanda panguva yaimbova Mutungamiriri Bill Clinton uye aimbova director. veNational Economic Council, vanotarisira kudzikira chaiko kwehupfumi hweUS kuchiri kuuya. Akataura kuti kuparara kwehupfumi kucharova pane imwe nguva muna Kukadzi kusvika Kubvumbi; nemari inogadzirika yekumisikidza zvakare muhafu yekutanga ya2008, mazhinji acho ari e-sub-prime ARMs, ane nhamba yakabatikana pamitengo yetiyeya inokwira kusvika kumadhora zana nemakumi mashanu pamwedzi gore rino," akadaro achiwedzera, "Dutu chairo. achiri mberi kwedu.”

Sekureva kwake, mutengi weUS ndiye ari kutyisidzira kuderera kwehupfumi uko nhasi kwakanangana nekuwedzera-kudiwa. Kushandisa kwemutengi hakuna kumbobvira kwave kutyisa, zvakare hakuna kusimba uchiramba wakatsiga panenge pa3 muzana.

Kubudirira kwekuwedzera kwakatanga kuwedzera kaviri mukati mehafu yechipiri yema1990. Yakaramba ichikwira pakati pa2003 na2005, asi pakanga pasina kukura kwemuhoro mubhodhi rose. Yakaramba yakadzikama pa $17.71 - chaizvo chete $0.2 yakakwira kubvira makore mashanu. Mari yemhuri yeMedhia yakadonha uye yakachengetwa yakaderera pamadhora zana nemakumi matatu kubvira 1300, ichiratidza kusamira kwakanyanya mumari. Chengetedzo yakavanzika yakabata pane yakaipa kana kuti flat kubva pa -.2000 kusvika -.05. Zvikwereti zvemumba zvakakwirira kudarika mari inoraswa kekutanga munhoroondo yeUS. Zvakadaro, mamiriro akaita seaya atovepo kubvira apo kukura kweUS kwakayerwa kupfuura 06 muzana. Zvakadaro, kwakaramba kuri kushandisa mari kubva mukuwedzera kwevanhu 'vanofungidzirwa' muhupfumi hwemhuri yavo. “Kufunga, kubva muna 3 kusvika muna 1996, mitengo yemhuri yakakwira ne2005 muzana; vanhu vakanga vasinganyatsonzwa kutsina. Ndosaka vanhu vainzwa vakapfuma kunyangwe mari yairamba ichingogara,” akadaro Sperling. Kufambira mberi kwave kuchitsamira zvakanyanya pamitengo yemba ichikwira pamatanho iwayo

Asi kana dzimba muna Mbudzi 2006 dzaikosheswa pamadhora mazana maviri nemakumi manomwe nenomwe, muna 217,000, zvakafanana zvakawira pasi kusvika pamadhora mazana maviri nemakumi maviri. Mitengo yedzimba yadzikira muchikamu chekupedzisira. Kudzokororwa kwekutengesa kwedzimba dzemhuri imwe chete kwadzikira uye kuchatsvedza zvakatowedzera nedzvinyiriro iripo pazvivakwa. Kuvaka kwakanonoka kwese. Zvese mune zvese, avhareji yezvivakwa zvedzimba dziripo mukati memwedzi mitatu kusvika ku2007 yapfuura nezviratidzo zve 'for sale' yakaramba iri panguva inoodza mwoyo 210,000 mwedzi mu'3, zvichienzaniswa nemwedzi 4 mu'10.2.

Mari inoshandiswa nevatengi ishoma. Yakabatana nedambudziko iri, nepo US yakashuma kubviswa kwemortgage equity pa1 muzana yeGDP muna 1996/97, yakakwira kusvika pa8 kubva muzana kutanga 2006 (yekushanda kweiyo mortgage kubvisa mukati mehafu yekutanga ya2006). Vamwe 40 kusvika ku50 muzana mukushandiswa vakavharirwa mune iyi chiyero.

Nhau dzakaipa dzakawedzera dzinosanganisira mitengo yakaderera yemba, zvimhingamipinyi zvechikwereti zvakashata, kuomerwa kwekutora kuenzana kubva mudzimba, mhedzisiro yekushandiswa kwevatengi ichikura zvakanyanya, uye kuti iyo yekutanga haisati yanyatsoitika asi ichinetsekana naSperling. "Hatisati taona chikamu chinotyisa chekushandisa kwevatengi parizvino. Hatisati tazviona asi pamwe munguva pfupi iri kutevera, muchikamu chekutanga kana chechina chegore, ticharova pasi. Mortgage equity withdrawal iri kuuya yakakwira zvakanyanya,” anoyambira Sperling.

Hakusi kusviba kwese. Nhau dzakanaka dzakauya nemitengo yemafuta ichikwira. Akaona kuti oiri yakakwira kubva pamadhora makumi matanhatu kuenda pamadhora zana, mitengo yegasi yakadzika kubva pamadhora mazana matatu nemazana matatu nemakumi matatu kusvika pamadhora makumi masere nesere, izvo zvisina kukanganisa vatengi zvakanyanya. Mhindu dzevatengesi dzakangodzvanywa panguva iyoyo. Vanhu havana kunyatso kukanganiswa mupfungwa chaiyo yekukwira kwemutengo wemafuta.

Nenzira yakafanana, nhamba yakati yedzimba haisati iri nzvimbo huru yokugara yavanhu; ruzhinji rwemhuri dzakakanganisika dzakapinda mukuchinja dzimba dzechipiri kana zvivakwa zvekudyara.

Huwandu hwekushaikwa kwemabasa hungori zvikamu zvishanu chete kubva muzana nhasi, kusiyana nezvikamu zvinomwe kubva muzana zvevasina mabasa - dai vanhu vasina mabasa vaizotsvaga basa nhasi. Vazhinji vavo vakatama havasati vadzoka pamusika kusvika nhasi. Iye akati, "'mauto akachengeterwa' kunze uko akaburitsa nhamba shoma dzekushaikwa kwemabasa izvo zvakangomirira kuti zviyero zvemihoro zvive nani," Sperling akatsanangura.

Chekupedzisira, chipangamazano chaClinton anogara kune zviri pachena, asi pamwe akafuratirwa. Vati, iyo sub-prime nyaya haisati yavepo nekuda kwekushaikwa kwekujeka - nekudaro kuwedzera dhigirii rekutapukira. “Vanhu havanzwisise nzira dzakasiyana dzekuchengetedza, nokudaro zvichikonzera kutya mukuwana mari uye kushushikana mumisika yedu nhasi. Panofanira kuve nekujeka uye kunzwisisa muzvikamu zvese zvehupfumi hwedu, "Sperling anosimbisa.

Kana hupfumi hukaramba huchiderera, mitengo yemagetsi ichadzika, semhedzisiro. Aya maitiro acharamba achitenderera nekuda kwedzimwe njodzi dzezvematongerwo enyika, matambudziko arikuenderera mberi neIran, uye dhora risina simba. Mitengo yemagetsi haizomborwi nekukwira kwemitengo yevatengi. Ingotarisa zvivakwa zvekuvaka zvichidzika kubva mumwedzi yapfuura nekuda kwekushata kuri kuita misika munyika yose.

Kana hupfumi hukaramba huchienda kumawere, kushanya kunogona kubatsira nekuva nemusika wakasimba wekufambisa wepamba, usingade uye unokwanisa kuenda kunze kwenyika.