Ukufikelela kwiNkululeko yezeziMali ngaphandle kweSigwebo seNtlawulo kwangethuba kwi-Self P&L Mortgages

Ukuzulazula kumhlaba wemali-mboleko e-United States kunokuba ngumsebenzi onzima, ngakumbi kubantu abaxhomekeke kwiingxelo ezizilungiseleleyo zeP&L. Nangona kunjalo, kukho isibane sethemba ngendlela yokubambisa efika ngaphandle kwesohlwayo sokuhlawula kwangaphambili, kunye ne-AAA.Iimali-mbolekouphambili ekuboneleleni ngeenketho ezinjalo eziluncedo.

Ukubolekwa kwe-AAA kuzimise njengegama elithembekileyo kwishishini lemali mboleko, enembali echukumisayo ethatha iminyaka engaphezu kwe-15. Imbuyekezo yabo yonke yemali-mboleko idlula i-20 yeebhiliyoni zeerandi kunye nenkxaso yeentsapho ezingaphezu kwama-50,000 zithetha kakhulu ngokuthembeka kunye nobuchule babo.

Kubaboleki abaneengxelo ze-P & L ezizilungiselele ngokwabo, ukungabikho kwesohlwayo sentlawulo yangaphambili kuyinzuzo ebalulekileyo. Ubomi buzele kukungaqiniseki, kunye neemeko zemaliEZIinokutshintsha ngokukhawuleza. Khawucinge ngemeko apho umnini-shishini ufumana unyaka oyimpumelelo kwaye unendlela yokuhlawula imali-mboleko yakhe ngaphambi kweshedyuli. Ngemali-mboleko enesohlwayo sokuhlawula kwangaphambili, oku kunokukhokelela kwimirhumo emikhulu, ukutya kwimali ekongayo. Kodwa nge-AAA Lendings 'akukho ntlawulo yokubambisa isohlwayo sentlawulo yangaphambili, ababoleki bakhululekile ukuhlawula iimali-mboleko zabo nanini na bakhetha, ngaphandle kwemiqobo eyongezelelweyo yemali.

Olu phawu alunikezeli kuphela ukuguquguquka kwezemali kodwa lukwaxhobisa ababoleki ukuba balawule ikamva labo lezemali. Ibavumela ukuba bacwangcise kwangaphambili kwaye benze izigqibo ezisekelwe kwimeko yabo yemali yokwenyani, kunokuba bathintelwe yimiqathango yekhontrakthi ye-mortgage.

Ukongeza kwisohlwayo sokuhlawulwa kwangaphambili, i-AAA Lendings inikeza uluhlu lwezinye izibonelelo. Inzala yabo yokhuphiswano iqinisekisa ukuba ababoleki bafumana isivumelwano esihle, ngelixa inkonzo yobuqu ithetha ukuba iimfuno ezizodwa zomboleki zithathelwa ingqalelo. Inkqubo yokuvala ngokukhawuleza, i-avareji kwiiveki ezi-3, yenza ukuba ababoleki baqhubele phambili ngezicwangciso zabo zobunini bezindlu ngaphandle kokulibaziseka okungeyomfuneko.

Ubungqina babathengi bububungqina bomgangatho wenkonzo ebonelelwa yi-AAA Lendings. Abathengi baye bancoma ubuchule beqela, ukusebenza kakuhle, kunye nokuzinikela ekuncedeni ukuba bakhusele iimali-mboleko zabo. Nokuba ihlawula imali ngokutsha okanye ifumana imali-mboleko entsha, iqela elikwi-AAA Lending lihamba umgama owongezelelweyo ukuqinisekisa amava agudileyo nanempumelelo.

Ukuqukumbela, ukuba ukhangela imali-mboleko e-US kwaye unengxelo ye-P&L ozilungiselele yona, qwalasela isohlwayo sokuhlawulwa kwangaphambili esinikezelwa yi-AAA Lendings. Lithuba lokwamkela inkululeko yezemali nokuthatha inyathelo elisingise kwikamva lezemali elikhuselekileyo.