Imali-mboleko ye-CPA P&L vs. Iimali-mboleko zeNkcazo yeBhanki: Yeyiphi eLungileyo?

Xa uzulazula kwihlabathi le-mortgages yokuziqeshisa, ukukhetha ukhetho olufanelekileyo lwemali mboleko kunokuba ngumngeni. Iindlela ezimbini ezidumileyo ezizezinye kwiimali zokubambisa zemveli ziCPAImali-mboleko elungiselelwe iNzuzo kunye neLahleko (P&L) kunye neeMali-mboleko zeNgxelo yeBhanki. Nganye ibonelela ngeenzuzo ezizodwa, ngakumbi kubaboleki abangathembekanga kwimbuyekezo yerhafu ukubonisa amandla abo okufumana. Ukuqonda umahluko ophambili phakathi kwezi ntlobo zemboleko kunokukunceda wenze isigqibo esisekelwe kwimo yakho yemali ethile.

Umahluko oPhambili phakathi kweeMali-mboleko ze-P&L eziLungisiweyo zeCPA kunye neeMali-mboleko zeNgxelo yeBhanki

Omnye umahluko ophambili phakathi kweeMali-mboleko ze-P&L eziLungisiweyo ze-CPA kunye neeMali-mboleko zeNgxelo yeBhanki ulele kwiimfuno zabo zamaxwebhu:

• I-CPA eLungisiweyo yeMali-mboleko ye-P&L: Ezi mboleko zifuna ingxelo eneenkcukacha yeNzuzo nelahleko (P&L) elungiswayo kwaye isayinwe nguMcwangcisi-mali oQinisekisiweyo oQinisekisiweyo (CPA).

• Iimali-mboleko zeNgxelo yeBhanki: Ezi mboleko zifuna iingxelo zebhanki zakutsha nje ezibonisa ukuhamba kwemali okungaguqukiyo kodwa akuyomfuneko ukuba kubhalwe ingxelo elungiselelwe yiCPA.

Zombini i-CPA eLungisiweyo ye-P&L kunye neentlobo zeMali-mboleko yeNgxelo yeBhanki ziphelisa imfuno yembuyekezo yerhafu, eluncedo kakhulu kubaboleki abaziqeshileyo abamaxwebhu abo erhafu asenokungabonakali ngokuchanekileyo amandla abo omvuzo opheleleyo ngenxa yokutsalwa kweentlawulo ezahlukeneyo okanye ukucinywa. Nangona kunjalo, iiMali-mboleko ze-P&L eziLungisiweyo zeCPA zinokunika umbono obanzi wenzuzo yomboleki, njengoko ezi mboleko zivavanya ingeniso eshiyekileyo emva kweendleko, xa kuthelekiswa needipozithi zizonke ezibonwa kwiingxelo zebhanki.

Iintlobo zePropati:

Zombini iCPA eLungisiweyo yeP&L kunye nenkqubo yeMali-mboleko yeBhanki ibonelela ngenkxaso-mali yoluhlu olubanzi lweentlobo zepropathi, kubandakanywa iindawo zokuhlala eziphambili, amakhaya esibini, kunye nezakhiwo zotyalo-mali. Ukongeza, bobabini bavumela ii-condos ezingenasiqinisekiso, ezinokuthi zingahlali zifanelekile phantsi kweemali mboleko eziqhelekileyo. Oku kunika ukuguquguquka okukhulu kubaboleki abajonge ukuxhasa ngezimali iintlobo zeepropathi ezizodwa.

Ubeka imali phantsiUkuba bhetyebhetye:

Iimfuno zentlawulo ephantsi kwezi ntlobo zimbini mboleko zohluka kancinci:

• Iimali-mboleko ze-P&L eziLungisiweyo zeCPA zifuna intlawulo ephantsi eyi-20%.
• Isiteyitimenti seBhanki Imali-mboleko, kwelinye icala, inokufuna intlawulo ephantsi njenge-10%.

Zombini iiMali-mboleko ze-P&L ezilungiselelwe i-CPA kunye neeMali-mboleko zeNgxelo yeBhanki zivumela ukusetyenziswa kwemali yesipho kwintlawulo ephantsi kunye neendleko zemboleko. Nangona kunjalo, ababoleki kufuneka babe negalelo ubuncinane kwi-5% yexabiso lokuthenga kwiimali zabo.

ImiGaqo yeMali-mboleko kunye neNzala:

Zombini i-CPA-Ilungiselelwe i-P&L kunye neMali-mboleko yeNgxelo yeBhanki zibonelela ngemiqathango ekhuphisanayo, kubandakanywa nenqanaba elimiselweyo leminyaka engama-30, eliqinisekisa uzinzo lwentlawulo yexesha elide. Ukhetho loMdla-kuphela (ukuya kuthi ga kwiminyaka eli-10) lukwakhona.

Inzala yazo zombini ezi ntlobo zemboleko iphezulu kancinane kuneemali mboleko zesiqhelo ngenxa yokwanda komngcipheko onxulunyaniswa neemali-mboleko ezingezizo ze-QM (ezingaqinisekiswanga). Amaxabiso ngokubanzi aqala kwi-7% ukuya kwi-9%, ngokuxhomekeke kwiimeko zemarike kunye neprofayili yomboleki.

Ulukhetha nini uhlobo lweMali-mboleko ngalunye:

• I-CPA eLungisiweyo yeMali-mboleko ye-P&L: Olu khetho lufanelekile ukuba ishishini lakho lineendleko ezibalulekileyo ezinciphisa umvuzo wakho oseleyo kwiimbuyekezo zerhafu kodwa zibonise inzuzo ngengxelo eneenkcukacha yeP&L. Ukongeza, i-CPA eLungisiweyo yeP&L yeMali mboleko ibonelela ngokuguquguquka ngakumbi xa kufikwa kwiintlobo zepropathi, kubandakanywa neecondos ezingenawaranti.

• Iimali-mboleko zeNgxelo yeBhanki: Khetha olu hlobo lwemali-mboleko ukuba ishishini lakho linemali ekhoyo engaguqukiyo ebonakala kwiidiphozithi zakho zebhanki kwaye ukhetha ukungabandakanyeki i-CPA ekulungiseleleni amaxwebhu akho. Isiteyitimenti seBhanki Imali-mboleko inokunikezela ngamaxesha okwamkelwa okukhawulezayo, njengoko iingxelo zebhanki zikhawuleza ukuzifumana kunengxelo ye-P&L elungiselelwe yiCPA.

Isiphelo:

Zombini iiMali-mboleko ze-P&L eziLungisiweyo ze-CPA kunye neeMali-mboleko zeNgxelo yeBhanki zibonelela ngeendlela ezizezinye ezixabisekileyo kubantu abaziqeshileyo abafuna imali yokubambisa ngaphandle kwesidingo sembuyekezo yerhafu. Ukhetho oluchanekileyo luxhomekeke kwindlela ingeniso yakho yeshishini eyakhiwe ngayo kwaye yeyiphi indlela yoxwebhu ebonisa kakuhle ukuzinza kwakho kwezemali. Nokuba kungenzuzo yesambuku eboniswe kwingxelo ye-P&L elungiselelwe i-CPA okanye ukungena kwemali okungaguqukiyo okungqinwa ziziteyitimenti zebhanki, ukubonisana neengcali ze-mortgage ezigxile kwiimali-mboleko ezingezizo eze-QM kunokukunceda ubone eyona ndlela ilungileyo kwiimfuno zakho. Izibonelelo eziphambili zeentlobo zombini zemboleko ziquka ukwamkelwa kweemali zesipho, ukufaneleka kwee-condos ezingenasiqinisekiso, kunye nokufikelela kwiimali mboleko zexesha elide, ezisisigxina.