Iziko leMveliso

Iinkcukacha zeMveliso

Siyaqonda ukuba i-mortgage ayikho nje intengiselwano yezemali kodwa sisigqibo esibalulekileyo sobomi. Ugqaliselo lwethu ekugxilweni komthengi kuthetha ukuba asiwathatheli ngqalelo amanani kuphela; siqwalasela ibali lakho elilodwa, iminqweno, kunye neenjongo zemali. Iingcali zethu zokuboleka imali zithatha ixesha lokuqonda uhambo lwakho lobuqu, ziqinisekisa ukuba ufumana isisombululo semali mboleko ehambelana nombono wakho wekamva.Imali-mboleko yezindlu,Imali-mboleko yesiqhelo,Ababolekisi bezindlu ngetyala elibi, Ngaphaya kweemveliso zemveli zokuboleka imali, sinikezela ngoluhlu lwezisombululo zokuboleka i-niche ezibonelela iimfuno ezithile zabathengi. Iimveliso zethu ze-'Non-QM' zemali-mboleko ziyilelwe iimeko zemali ezingaqhelekanga, zisenza sibe ngababoleki abangayifanelanga imold yesintu. Sikholelwa ukuba kukho imali-mboleko yomntu wonke, kwaye ukhetho lwethu olukhethekileyo lwemali mboleko lubonisa ukuzibophelela kwethu ekubandakanyekeni.
-Ukuboleka kwe-AAA ye-AAA yeeMali-mboleko eziQhelekileyo eziQhelekileyo kuninzi lwabaBoleki eUnited States-iiNkcukacha zokuBoleka kwe-AAA:


Ayinasihloko-10

Yintoni iMali-mboleko eQhelekileyo?

Imali-mboleko ehambelanayo yimali-mboleko enemigaqo kunye neemeko ezihlangabezana nemilinganiselo yenkxaso-mali kaFannie Mae noFreddie Mac. Imali-mboleko ehambelanayo ayinakudlula umda othile wedola, otshintsha unyaka nonyaka. Ngo-2022, umda yi-647,200 yeedola kwiindawo ezininzi zase-US kodwa uphezulu kwezinye iindawo ezibiza kakhulu. Unokukhangela kwi-intanethi kwimali-mboleko yedolophu nganye ehambelana nemida yemali mboleko kulo nyaka.

Uthumo lukaFannie Mae kunye noFreddie Mac lubangela ukuba bathenge uninzi lweebhanki zokubambisa ezinikezelayo. Kodwa ukuze bamkeleke, abanako ukwenza ngokuthanda; kufuneka zilinganiswe kwaye zenziwe phantsi kwezikhokelo ezithile. Kulapho inxalenye ehambelanayo ingena khona, kwaye kutheni kukho imithetho emininzi yokubhala phantsi kwezi mboleko: kukulinganisa imali mboleko ukuze uFannie Mae noFreddie Mac bazithenge.

Zeziphi iintlobo zeeMali-mboleko ezihambelana ne-AAA?

Ungababona ababolekisi bezindlu bekunika amaxabiso awohlukeneyo “eMali-mboleko eQinisekisayo Jikelele” kunye “neMali-mboleko eBone kakhulu”. Ngokwenyani, zombini ezi nkqubo zimbini zibizwa ngokuQinisekisa imali-mboleko.

Ngowuphi umahluko kwiMali-mboleko eThobelanayo kunye neMali-mboleko engangqinelaniyo?

Kukho iindidi ezahlukeneyo zeemali-mboleko onokuzisebenzisa ukuthenga ikhaya, kwaye imali-mboleko ehambelanayo nengangqinelaniyo zezona zixhaphakileyo. Imali-mboleko ehambelanayo idibana nezikhokelo eziya kuthengiswa nokuba nguFannie Mae okanye uFreddie Mac, amabini abona bathengi abakhulu base-US mboleko engahambelaniyo, kwelinye icala, zezo ziwela ngaphandle kwezo zikhokelo, ngoko azinakuthengiswa kuFannie Mae okanye kuFreddie Mac.
Zonke iimali-mboleko ziwela phantsi kwenye yezi ambrela zimbini-zihamba ngokuhambelana nezikhokelo zikaFannie noFreddie, okanye azinjalo. Umahluko phakathi kwezi zimbini ukhokelela kwiziphumo ezinomdla emva kweziphumo ezichaphazela wena-umthengi.


Imifanekiso yeenkcukacha zemveliso:

-I-AAA yokuboleka imali ye-AAA yeMali-mboleko eQhelekileyo kuninzi lwabaBoleki eUnited States-i-AAA yokuboleka imifanekiso yeenkcukacha


IsiKhokelo seMveliso esiNxulumeneyo:

Ukuzibophelela kwethu ekugqweseni nasekuzinikeleni kubathengi bethu kusiqhubele ekubeni sandise imisebenzi yethu kumazwe angama-45, kuquka iArizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwamanye. Nangona kunjalo, impumelelo yethu ayichazwanga kuphela ngamanani. Uphononongo oluninzi oluhle kunye nodumo olunamandla lokuthetha ngomlomo esilufumeneyo lusebenza njengobungqina bokuthenjwa kunye nentembeko ebekwe yintengiso kuthi. - I-AAA yokuboleka imali ye-AAA yokuBoleka okuQhelekileyo kuninzi lwababoleki eUnited States - i-AAA yokuboleka imali , Imveliso iya kubonelela kwihlabathi liphela, njengale: isiGrike, isiSwedish, iBrisbane, Sihlala sibambelele kumgaqo wenkampani ngokunyaniseka, ubuchwephesha, obusebenzayo kunye nokusungula izinto ezintsha, kunye nemishini: mabavumele bonke abaqhubi bakonwabele ukuqhuba kwabo ebusuku, bavumele abasebenzi bethu ukuba baqonde ngakumbi ubomi babo kwaye baqonde ukuba ubomi babo bunamandla, kwaye abasebenzi bethu banokuqonda ngakumbi. Sizimisele ukuba ngumdibanisi wemarike yethu yemveliso kunye nomboneleli wenkonzo oyeyona nto iphambili kwintengiso yemveliso yethu.
  • Ulwahlulo lwemveliso luneenkcukacha kakhulu ezinokuthi zichaneke kakhulu ukuhlangabezana nemfuno yethu, umthengisi oqeqeshiweyo.
    Iinkwenkwezi ezi-5NguSandra waseBelarus - 2018.06.18 17:25
    Umphathi wentengiso unomonde kakhulu, sanxibelelana malunga neentsuku ezintathu ngaphambi kokuba sigqibe ekubeni sisebenzisane, ekugqibeleni, sanelisekile kakhulu ngale ntsebenziswano!
    Iinkwenkwezi ezi-5NguMarko ovela ePhiladelphia - 2018.09.29 13:24