FHA 刘昂轩、陈卓楠、吕承哲、赵炙阳
FHA的概况 联邦住房管理局(FHA)是美国政 府机构,部分由1934年的“国家 The Federal Housing Administration(FHA) is a United 住房法案”( National Housing States government agency created in part by the National Act of1934)建立。联邦住房管 Housing Act of 1934. The FHA sets standards for 理局(FHA)制定建筑和承保标准, construction and underwriting and insures loans made by 并为银行和其他私人贷款人提供住 banks and other private lenders for home building. The 房建设贷款。该组织的目标是改善 goals of this organization are to improve housing standards and conditions, provide an adequate home 住房标准和条件,通过抵押贷款保 financing system through insurance of mortgage loans 险提供充足的住房融资制度,稳定 and to stabilize the mortgage market. The Acting 抵押贷款市场。FHA代理专员是 Commissioner of the fha is biniam Gebre Biniam Gebre. It is different from the Federal Housing Finance Agency FHA与联邦住房金融机构(FHFA) (FHFA), which supervises government-sponsored 有所不同,后者负责监督政府资助 enterprises Wikipedia 的企业
The Federal Housing Administration (FHA) is a United States government agency created in part by the National Housing Act of 1934. The FHA sets standards for construction and underwriting and insures loans made by banks and other private lenders for home building. The goals of this organization are to improve housing standards and conditions, provide an adequate home financing system through insurance of mortgage loans, and to stabilize the mortgage market. The Acting Commissioner of the FHA is Biniam Gebre. It is different from the Federal Housing Finance Agency (FHFA), which supervises government-sponsored enterprises. ——Wikipedia
FHA的概况 Office of Housing Organizational Chart Assistant Secretary for Housing FHA Commissioner 总部在华盛顿,全国都有办公室,1965年成为美国住宅与都市 发展部(HUD)下属部门。 Single fami Housing Multifamily Affairs Housing The fha is the largest issuer of mortgage insurance in the world FHA是全球最大的贷款担保提供方 Healthcare Housing Programs Operations 组织架构
“The FHA is the largest issuer of mortgage insurance in the world.” ——FHA是全球最大的贷款担保提供方 总部在华盛顿，全国都有办公室，1965年成为美国住宅与都市 发展部（HUD）下属部门
FHA的概况 诵过 fHAS 1促进家庭,出租住房和 MISSION 医疗机构的融资 2.并提供优质的经济适用 住房选择; To contribute to sustainable communities by facilitating the financing of homes, 3减轻纳税人风险,保护 rental housing and healthcare facilities and 消费者。 providing quality affordable housing options in a manner that mitigates taxpayer risks and protects consumers 为可持续社区做出贡献
FHA的职责 In its 82-year history FHA has helped more than 46 million families purchase a home, produced and preserved hundreds of thousands of units of affordable rental housing, and created acce critical healthcare facilities. This work helps give millions of Americans access to appropriateS to housing of their choice and build a strong financial future E82年的历史中,FHA帮助超过4600万个家庭购买了住房,建立和维护了数十万套经济适用性出租房屋 并建造了重要的医疗设施。这项工作使数百万美国人获得他们选择的适当住房,并建立一个强大的经济未来。 负责人的信 联邦住房管理局(FHA)为中低收入家庭提供购房贷款信用保险,凡FHA保险的抵押贷款,由FHA承担因借 款人无力偿还或房屋贬值造成损失的全部责仼。因此对抵押权人来说,FHA保险的抵押贷款基本上是没有坏 账风险的 FHA收取保险金,保险金一般比私人保险机构的保险费高,理由是它担保的抵押信用标准较宽,因此承担 的风险较大,保险费标准定期公布并在联邦政府登记(下表给出了单户型住宅的保险费标准)。由于FHA抵 押保险额有严格限制,它所保险的贷款额度只够购买中低档的房屋,因此它所服务的对象主要是中低收入家 百度百科
In its 82-year history FHA has helped more than 46 million families purchase a home, produced and preserved hundreds of thousands of units of affordable rental housing, and created access to critical healthcare facilities. This work helps give millions of Americans access to appropriate housing of their choice and build a strong financial future. 在82年的历史中，FHA帮助超过4600万个家庭购买了住房，建立和维护了数十万套经济适用性出租房屋， 并建造了重要的医疗设施。这项工作使数百万美国人获得他们选择的适当住房，并建立一个强大的经济未来。 ——负责人的信 联邦住房管理局（FHA）为中低收入家庭提供购房贷款信用保险，凡FHA保险的抵押贷款，由FHA承担因借 款人无力偿还或房屋贬值造成损失的全部责任。因此对抵押权人来说，FHA保险的抵押贷款基本上是没有坏 账风险的。 FHA收取保险金，保险金一般比私人保险机构的保险费高，理由是它担保的抵押信用标准较宽，因此承担 的风险较大，保险费标准定期公布并在联邦政府登记（下表给出了单户型住宅的保险费标准）。由于FHA抵 押保险额有严格限制，它所保险的贷款额度只够购买中低档的房屋，因此它所服务的对象主要是中低收入家 庭。 ——百度百科