Freddie Mac computer try a government-paid corporation one buys home-based mortgages regarding banking institutions or other loan providers, pools them to one another, and sells them once the home loan-backed ties to help you traders. S. Financial markets. Over the years, Freddie Mac computer provides played a serious character for making homeownership a great deal more affordable and open to scores of People in the us. not, the future of Freddie mac computer is unclear due to the fact policymakers and you can stakeholders debate its role in the mortgage markets.
step 1. You to you’ll be able to coming to own Freddie Mac computer would be to remain performing because it’s got for a long time. It means to acquire mortgage loans off banking institutions or any other loan providers, packing all of them to the bonds, and promoting these to people. Followers argue that Freddie Mac provides exchangeability toward mortgage field and assists to store interest rates lower.
2. A different sort of possible coming getting Freddie Mac will be restructured otherwise privatized. This would cover reducing otherwise reducing the part in the mortgage markets and you may enabling the non-public industry to consider even more exposure. Supporters associated with the means believe it can dump taxpayer publicity on the mortgage markets and encourage much more race. Critics believe it can generate homeownership smaller available and you will reasonable for some Us americans.
step 3. A 3rd you can future getting Freddie Mac is usually to be abolished altogether. This will encompass winding off their businesses and shopping for different ways to incorporate liquidity toward financial market. Czytaj dalej „9. Criticisms and you will Controversies Related Freddie Mac computer”