Imali-mboleko ye-CPA ye-P&L: UKhetho oluNgcono lwabaBoleki abaziQeqeshileyo

Iimali-mboleko ze-CPA eziLungisiweyo ze-P&L sisisombululo se-mortgage esitsha esenzelwe ngokukodwa ukuzimela.qeshwaabantu abajongene nemingeni ngeemfuno zemveli zokuboleka imali ngenxa yezakhiwo zabo zengeniso eyodwa. Ezi mboleko zivumela ababoleki ukuba basebenzise ingxelo yeNzuzo neLahleko (P&L) elungiswe nguMcwangcisi-mali oQinisekisiweyo (CPA) endaweni yokuxhomekeka kwiimbuyekezo zerhafu ukuze baqinisekise umvuzo wabo. Le ndlela iluncedo kakhulu kwiingcali eziziqeshileyo ezinembuyekezo yerhafu enokuthi ingabonakali ngokuchanekileyo imeko yazo yemali ngoku ngenxa yokutsalwa kwentlawulo yeshishini okanye ingeniso eguquguqukayo.

Kubaboleki abazisebenzelayo abafuna ubunini bezindlu ngaphandle kwemiqobo yokubuyiswa kwerhafu, i-CPA eLungisiweyo yeP&L Loans ibonelela ngendlela elungelelanisiweyo eya phambili. Iimali zokubambisa ngokwemveli zisoloko zifuna amaxwebhu engeniso angaguqukiyo ngeembuyekezo zerhafu, ezinokuba yingxaki kubantu abaziqeshileyo abamivuzo yabo yahluka kakhulu unyaka nonyaka okanye abaxhamlayo kutsalo-mali olukhulu lweshishini oluthoba ingeniso yabo erhafiswa. Ngokwahlukileyo, ingxelo ye-P&L elungiselelwe i-CPA inika ababolekisi umfanekiso ocacileyo wentsebenzo yemali yeshishini yamva nje-ngokuqhelekileyo kwisithuba seenyanga ezili-12 ukuya kwezingama-24—esenza ukuba bahlole umthamo wembuyekezo ngokusekelwe kwimivuzo yokwenyani kunokuba babe ngamatyala erhafu.

Enye yezinto ezibalaseleyo kwezi mboleko kukuba akukho mbuyekezo yerhafu ifunekayo. Endaweni yoko, ingxelo ye-P&L elungiselelwe i-CPA isebenza njengoxwebhu oluphambili lokuqinisekiswa kwengeniso. Oku akwenzeli lula isicelo kuphelaEZIs kodwa ikwanyusa amathuba okuvunywa kwabantu abaziqeshileyo abanokuthi ngenye indlela basokole ngeendlela eziqhelekileyo zokubambisa. Ukongeza, ababolekisi abaninzi ababonelela ngezi mboleko babonelela ngemiqathango eguquguqukayo efana nemilinganiselo emiselweyo yeminyaka engama-30, eqinisekisa uzinzo lwentlawulo yexesha elide-ingqwalasela ebalulekileyo kubaboleki abanemivuzo eguquguqukayo abaxabisa ukuqikelelwa kwangaphambili kwizibophelelo zabo zemali.

Enye inzuzo ebalulekileyo kukuba iimali zesipho zamkelekile kwiintlawulo eziphantsi phantsi kweenkqubo ezininzi. Ababolekisi badla ngokuvumela ababoleki ukuba basebenzise imali yezipho ezivela kusapho okanye kubahlobo njengenxalenye yentlawulo yabo ngelixa befuna ukuba banikele ngepesenti ethile kwiimali zabo-ngokuqhelekileyo ubuncinane isi-5% -ukubonisa ukuzibophelela kwezemali. Eli nqaku lenza ukuba ubunini bezindlu bufikeleleke ngakumbi kubantu abaziqeshileyo abanokuthi bangabinayo imali eninzi yokonga kodwa baxhomekeke kwinkxaso evela kubantu ababathandayo.

Ngaphezu koko, ii-CPA eziLungisiweyo zeP&L zeMali-mboleko zihlala zifanelekile ukuxhasa ngemali ii-condos ezingenakuqinisekiswa, eziziikhondomu ezingahambelani nezikhokelo ezisemgangathweni ezibekwe ngamashishini axhaswa ngurhulumente afana noFannie Mae okanye uFreddie Mac ngenxa yezinto ezifana nobunini botyalo-mali obuphezulu okanye indawo yorhwebo ngaphakathi kwesakhiwo. Uninzi lwababolekisi bezindlu abangaqeqeshwanga (abangengabo abaQM) abaziingcali kwezi mboleko bavulelekile ekuxhaseni ngemali iipropati ezinjalo, ngokwenjenjalo bandisa iinketho zezindlu kubaboleki abanomdla kwiicondos ezinokuthi ngenye indlela zikhutshelwe ngaphandle kwiinkqubo zemveli zokubambisa.

Ngokwemali-mboleko, imali-mboleko yethu ye-CPA eLungisiweyo ye-P&L inokufikelela kumanani amakhulu-kaninzi ukuya kuthi ga kwi-3.5 yezigidi zeedola. Iimfuno zamanqaku okuthenga ngetyala ziqala ngama-660 ngokwemigaqo eqhelekileyo.

Ngamafutshane, iiMali-mboleko ze-P&L eziLungisiweyo ze-CPA zibonelela ngenye indlela ebalulekileyo kubantu abaziqeshileyo abafuna ukuthenga okanye ukuxhasa ikhaya ngokutsha ngaphandle kokuxhomekeka kwiimbuyekezo zerhafu. Ngeempawu ezifana neemfuneko zokungabuyiswa kwerhafu, ukwamkelwa kweengxowa-mali zesipho, ukufaneleka kwee-condos ezingenawaranti, kunye nemilinganiselo emiselweyo yexesha elide le-30 leminyaka, ezi mboleko zilungiselelwe ukuhlangabezana neemfuno ezizodwa zababoleki abanengeniso engekho ngokwemveli. Ngokusebenzisa ingxelo ye-P&L elungiselelwe i-CPA endaweni yembuyekezo yerhafu, ezi mboleko zibonelela ngovavanyo oluchaneke ngakumbi lwempilo yezemali kunye neengcango ezivulekileyo kubunini bezindlu ezinokuthi zihlale zivaliwe.