12/04/2023

Intshayelelo

Kwimeko eguqukayo yenkxaso-mali yezindlu nezindlu e-United States, abantu bamanye amazwe badlala indima ebalulekileyo.Esi sikhokelo sibanzi sigocagoca kubuntsonkothi benkxaso-mali yezindlu nezindlu kolu luhlu lwabantu, kugxilwe ngokukhethekileyo ekuxhaseni 'Inzuzo eZilungiseleleyo kunye nelahleko (P&L)'iingxelo.

Abemi bamazwe angaphandle kunye neMarike yezindlu zase-US
Amathuba kunye nemingeni
Ukungena kwiMarike: Imakethi yezindlu zase-US ibonelela ngamathuba otyalo-mali awodwa kubemi bamazwe angaphandle, nokuba bathini na ubume bokuhlala.
Imingeni: Ukuhamba ngenkqubo yenkxaso-mali yase-US, kubandakanywa nokufumana imali yokuboleka imali, kubangela imingeni ekhethekileyo kubantu abangahlali.

Iingcamango Eziphosakeleyo Neenyani
Intsomi echithiweyo: Ngokuchasene nenkolelo ethandwayo, abantu bangaphandle bangakwazi ukukhusela i-mortgages e-US
Inyani: Inkqubo ibandakanya amanyathelo kunye neemfuno, ngakumbi kumaxwebhu kunye novavanyo lwetyala.

Indima ye-P&L eZilungiseleleyo Self kwizicelo ze-Mortgage
Ukuqonda iP&L eZilungiseleleyo
Ingcaciso: AI-P&L ezilungiselelwe ngokwakhoIngxelo sisishwankathelo esizixeliweyo somntu ngamnye sengeniso kunye neendleko kwixesha elichaziweyo.
Ukufaneleka: Olu xwebhu ludlala indima ebalulekileyo kwizicelo zezindlu-mboleko kwabo bangenabungqina bengeniso yemveli.

Ukubaluleka kwabemi bamazwe angaphandle
Ukusebenziseka: Inceda ngakumbi abantu bamazwe angaphandle abangenawo amaxwebhu emali asekelwe e-US.
Indlela ye-AAA yokuBoleka: Inkqubo yethu ivumela ukusetyenziswa kwezi nkcazo endaweni yamaxwebhu engeniso yemveli.

IiMfuno zeMali kunye neeNgqwalasela
Ukulawula impahla
Ii-asethi zangaphandle: Ukusebenzisa ii-asethi zaphesheya, ukudluliselwa okufanelekileyo kwii-akhawunti zase-US kunyanzelekile.
Ukuqinisekisa: Ukuqinisekisa ukuba semthethweni kunye nokulandeleka kwezi asethi kubalulekile.

UVavanyo lokuXhaseka
IiRekhodi ezingezizo ezeMveli: Iintengiselwano zekhadi letyala, iziteyitimenti zebhanki, kunye neerekhodi zentlawulo eziluncedo zinokusebenza njengobungqina boxanduva lwemali.
Umngeni: Ukuseka ukufaneleka kwetyala ngaphandle kwembali yetyala yase-US kufuna indlela ebanzi.

Inkqubo yeSicelo: ISikhokelo seNyathelo neNyathelo
Ukulungiselela usetyenziso lwangaphambili
Ukuqokelela amaxwebhu: Hlanganisa onke amaxwebhu ayimfuneko, kubandakanywaI-P&L ezilungiselelwe ngokwakho, incwadi yokundwendwela, i-visa, kunye neengxelo ze-asethi.
Uvavanyo lwetyala: Lungiselela ukubonisa ezinye iindlela zembali yetyala.

Ukujonga iNkqubo yeSicelo
UQhagamshelwano lokuqala: Khusela ileta yokuvunywa kwangaphambili evela kumbolekisi onjenge-AAA Lendings.
Ukukhetha iPropati kunye neSibonelelo: Bandakanya umthengisi wezindlu nomhlaba kwaye wenze isithembiso esinolwazi.
Isicelo seMali-mboleko: Khetha igosa lemali-mboleko elinolwazi oluqhelene nezicelo zelizwe langaphandle.
Inkqubo yoMvume: Qonda umda wexesha kunye neemfuno zokwamkelwa.

Amaxabiso okubolekwa kwezindlu, iiNtlawulo eziPhantsi, kunye neMirhumo
Ukuphonononga iziBophelelo zemali
Iintlawulo eziphantsi: Ngokuqhelekileyo, ubuncinane be-30% iyafuneka, kunye neentlawulo ezinkulu eziphantsi ezinikezela ngemimiselo engcono.
Ukuqonda imirhumo: Ukucaca kwimirhumo yokuqhuba kunye nokubhala phantsi kubalulekile kuhlahlo lwabiwo-mali.

Iingqwalasela eziKhethekileyo kuBemi bamazwe angaphandle
Ukwahluka kwexabiso: Amaxabiso anokwahluka ngokusekelwe kwiprofayile yomboleki kunye nohlobo lwemveliso yemali-mboleko ekhethiweyo.

Ukubolekwa kwe-AAA: Ubuvulindlela kwiiMali-mboleko ezingezizo ze-QM
Ubungcali kunye neeNkonzo zethu
UbuNkokeli beMakethi: Ubukho obunamandla kwimarike yemali-mboleko ye-Non-QM ukususela ngo-2007.
Izisombululo zesiko: Uluhlu lweemveliso ezahlukeneyo, kubandakanyaAkukho Doc Akukho Credit, I-P&L ezilungiselelwe ngokwakho, kunye nokuninzi.

Inkxaso yoMthengi kunye neMpumelelo
Ingxelo yokwaneliseka: Ukunceda amawaka eentsapho, ngamanani abalulekileyo embuyekezo yemali-mboleko.
Iqela eliGqwesileyo: Iqela elomeleleyo eliqinisekisa ukusetyenzwa kwemali mboleko engenamthungo kunye nenkxaso yabathengi.

Ukuqukumbela
Indlela yokuba ne-real estate e-US njengelizwe langaphandle, nangona inzima, inokuhamba ngolwazi oluchanekileyo kunye nezibonelelo.Izixhobo ezisetyenziswayo ezifana neengxelo zeP&L ezizilungiseleleyo zinokulwenza lula uhambo.Amaziko afana nokuBoleka kwe-AAA axhotyiselwe ukukhokela abemi bamazwe angaphandle ngezi nkqubo zintsonkothileyo, eqinisekisa ukuba iphupha labo lokuba nepropathi e-US liyafezeka.

Ividiyo:Ulwazi oluNqobileyo malunga nokuXhaswa kweMali kwezindlu kuBantu baMazwe angaPhandle: Ukuzixhobisa ngokuZilungiselela iP&L

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.