nine. Criticisms and you will Controversies Related Freddie Mac computer
Freddie Mac are an authorities-sponsored agency one acquisitions residential mortgage loans out-of banks or any other loan providers, pools all of them together, and sells them because the mortgage-supported ties to help you dealers. S. Home loan industry. Usually, Freddie Mac has played a critical role in making homeownership significantly more affordable and available to scores of Us citizens. Although not, the loans Glenville continuing future of Freddie mac computer is uncertain as policymakers and you can stakeholders discussion their role throughout the home loan business.
1. One to you’ll be able to future getting Freddie Mac is to continue functioning just like the this has for a long time. This means to acquire mortgages of finance companies and other loan providers, packaging all of them on securities, and you will promoting these to traders. Followers argue that Freddie Mac provides liquidity into the home loan business and helps to keep rates of interest low.
2. A new you can future to own Freddie Mac computer will be restructured or privatized. This should encompass cutting otherwise eliminating its role regarding financial sector and enabling the non-public industry to look at a lot more chance. Proponents associated with method believe it would beat taxpayer exposure towards financial industry and you will remind a lot more race. Experts believe it can create homeownership quicker accessible and you will sensible for some People in america.
3. A third you’ll be able to future for Freddie Mac is usually to be abolished completely. This would involve wandering off the operations and searching for other ways to include liquidity towards the financial industry. Supporters regarding the approach argue that it can beat moral chances and you can get rid of the requirement for taxpayer subsidies. Critics believe it can create imbalance in the financial ericans to gain access to affordable construction.
Odds are the ongoing future of Freddie Mac will involve some mix of these approaches.ادامه خواندن