Izibonelelo ze-5/6 ye-ARM yeMali-mboleko ye-Flexible Mortgages kwi-AAA Lendings

Kwilizwe elintsonkothileyo lokuboleka imali-mboleko e-US, ukukhetha imveliso yemali-mboleko efanelekileyo kubalulekile. I-AAA Lendings, umdlali obalaseleyo onamava angaphezulu kweminyaka eli-15 kunye nerekhodi elimangalisayo lokuhlawula ngaphezulu kwe-20 yeebhiliyoni zeedola ukunceda ngaphezulu kwe-50,000 yeentsapho, inika ukhetho olunyanzelisayo - i-5/6Imali-mboleko yeArmkwi-Flexible Rate Mortgages.

Yintoni kanye kanye iMali-mboleko ye-5/6 ye-ARM? I-"5/6" ibonisa ukuba izinga lenzala lihlala lizinzileyo kwiminyaka emi-5 yokuqala, linika uzinzo kunye nokuqikelelwa. Emva koko, izinga lilungelelanisa zonke iinyanga ze-6, ngokuhambelana neemeko zemarike. Esi sakhiwo sinika umxube oyingqayizivele wokuzinza kokuqala kunye nokuguquguquka kwexesha elizayo, okwenza kube yinto ekhangayo kubaboleki abaninzi.

Enye yezinto ezilungileyo zokukhetha i-5/6 ye-ARM yeMali-mboleko kunye ne-AAA yokubolekwa kwemali yi-pro flexible underwriting pro.EZIs. Xa abanye ababolekisi benokwala ababoleki, i-AAA yokuboleka idla ngokuba nobubele. Oku kuthetha ukuba abantu abanokuthi bangafikeleli kwiindlela ezingqongqo zeemali mboleko zemveli, ezifana nezo zineengxelo ezizilungiseleleyo ze-P&L okanye abaxhomekeke kwingeniso yerenti nge-DSCR, basenalo ithuba lokufumana imali-mboleko.

Inkqubo yokuvala yenye imbalasane. Ngexesha lokuvala umndilili kwiiveki ezi-3, ukubolekwa kwe-AAA kuqinisekisa amava akhawulezayo nafanelekileyo. Oku kuluncedo ngakumbi xa ungxamele ukuthenga ikhaya okanye imali. Ababoleki abasebenze ne-AAA Lendings baye bancoma iqela ngokukwazi kwabo ukuvala iimali-mboleko ngokukhawuleza, ngamanye amaxesha kwiiveki ezi-2.

Ngaphezu koko, inzala ekhuphisanayo enikezelwa yi-AAA Lendings yenza i-5/6 ye-ARM yeMali-mboleko ibe lukhetho olunomtsalane. Ukhetho lwemali mboleko yesiteyitimenti sebhanki, olungadingi mbuyekezo yerhafu, longeza ngakumbi kububhetyebhetye. Ukongeza, iMali-mboleko yoLuntu lwe-QM iza ne-4,500 yeedola eyongezelelweyo, inika inkxaso yemali eyongezelelweyo.

Ukuqukumbela, ukuba ufuna imali-mboleko enexabiso eliguquguqukayo, iMali-mboleko ye-5/6 ye-ARM evela kwi-AAA yokuBoleka inokuba yeyona nto ifanelekileyo. Ukudityaniswa kwayo nokubhala phantsi okuguquguqukayo, ukuvala ngokukhawuleza, kunye namazinga okukhuphisana, kunye noluhlu lweempawu ezizodwa, kuyenza ibonakale kwimarike ye-mortgage yase-US.