12/05/2023

Ukujonga iHlabathi leeNdlela zokuSebenza eziNgena-QM zeMali-mboleko

Kwinkalo yenkxaso-mali ye-mortgage, i-Easy Non-QM yeeNkqubo zeMali-mboleko ziye zavela njengebhakana yokulula kunye nokufikeleleka kwababoleki.Esi sikhokelo sibanzi sijolise ekukhanyiseni iimpawu, iinzuzo ezinokuthi zibe kho, kunye neengqwalaselo ezinxulumene nezi nkqubo mboleko zithe ngqo, eziyilelwe ukukhawulelana neeprofayile ezahlukeneyo zemali.

Ukuqonda IiNkqubo zeMali-mboleko eziLula ezingezizo ze-QM

IiNkqubo zeMali-mboleko eziNgena-QM eziLula, okanye iiNkqubo zeMali-mboleko ye-Mortgage eziLula, zigqame njengodidi olubeka phambili ukulula kunye nokuguquguquka kwinkqubo yokuboleka.Ezi nkqubo ziyasuka kwiimfuno ezingqongqo zemboleko yemveli eqinisekisiweyo, ibonelela ngendlela elungelelanisiweyo kubaboleki abaneemeko ezizodwa zezimali.

Iimpawu zeNkqubo yeMali-mboleko engeyiyo ye-QM elula

1. IiMfuno eziNcinane zoXwebhu:
   • Amagqabantshintshi: IiNkqubo zeMali-mboleko eziLula ezingezizo ze-QM zihlala zineemfuno ezingephi zamaxwebhu xa kuthelekiswa nokhetho lwemveli lwemali-mboleko.
   • Impembelelo: Ababoleki bafumana inkqubo yesicelo ekhawulezayo nangaphezulu.
2. Iinqobo zoMgangatho woMgangatho oGuquguqukayo:
   • Amagqabantshintshi: Ezi nkqubo zihlala zineenqobo zokufaneleka ezibhetyebhetye, ezivumela uluhlu olubanzi lweeprofayile zemali.
   • Impembelelo: Ababoleki abanengeniso engeyiyo eyemveli okanye imbali yamatyala banokuzifumana ezi nkqubo zibavumela ngakumbi.
3. IiMveliso zeMali-mboleko eyahlukeneyo:
   • Amagqabantshintshi: IiNkqubo eziLula zeMali-mboleko ezingezizo ze-QM ziyafumaneka ngeenjongo ezahlukeneyo, ezibandakanya ukuthengwa kwezindlu, ukubuyisela imali, kunye notyalo-mali lwezindlu nomhlaba.
   • Impembelelo: Ababoleki banokuguquguquka kokukhetha imveliso yemali-mboleko ehambelana neemfuno zabo kunye neenjongo zabo.

Izibonelelo kunye nokuqwalaselwa kwababoleki

1. Ubulula kwisicelo:
   • I-advanteji: Inkqubo yamaxwebhu elungelelanisiweyo yenza ukuba isicelo seMali-mboleko eLula engeyoQM sicace ngakumbi kwaye singatyi ixesha.
   • Ukuqwalaselwa: Ababoleki bafanele baqinisekise ukuba ukwenza lula akubachasi ekuqondeni kwabo imigaqo nemiqathango.
2. Ukufikeleleka kwiiProfayili zeMali eziZodwa:
   • I-advanteji: IiNkqubo eziLula ze-Non-QM zeMali-mboleko zibonelela ababoleki abanemithombo yengeniso engeyiyo eyemveli, abantu abazisebenzelayo, kunye nabo baneemeko ezinzima zemali.
   • Uqwalaselo: Ngelixa lifikeleleka, ababoleki kufuneka baphonononge ngononophelo kwaye baqonde imigaqo ethile yesiqinisekiso.
3. Izisombululo ezilungiselelweyo zoTyalo-mali lwezindlu ezithengiswayo:
   • I-Advanteji: Ezi nkqubo zihlala zibonelela ngezisombululo ezilungiselelwe abatyali-mali bezindlu, ezivumela ukuba kube bhetyebhetye ekuxhaseni ngemali izakhiwo zotyalo-mali.
   • Uqwalaselo: Abatyali-mali bafanele bahlole imiqathango, kuquka inzala neshedyuli yokuhlawula, ukuze ihambelane nesicwangciso sabo sotyalo-mali.

Ukuqwalaselwa kwababoleki

1. Ukuqondwa ngokucokisekileyo kweMigaqo:
   • Ingcebiso: Ngaphandle kwenkqubo eyenziwe lula, ababoleki kufuneka baqonde ngokucokisekileyo imiqathango ye-Easy Non-QM Loans, kubandakanywa amazinga enzala, iifizi, kunye neshedyuli yokubuyisela.
2. Uhlalutyo lothelekiso:
   • Ingcebiso: Phonononga kwaye uthelekise unikezelo oluvela kubabolekisi abahlukeneyo ababonelela ngeNkqubo yeMali-mboleko eLula ye-Non-QM ukuqinisekisa eyona miqathango ivumayo kwiimeko zemali zomntu ngamnye.
3. Isikhokelo soBuchule:
   • Isincomo: Ukufuna iingcebiso kwiingcali zezimali mboleko okanye abacebisi bezemali kunokubonelela ngolwazi oluxabisekileyo malunga nokuba i-Easy Non-QM Loan ihambelana neenjongo zemali zexesha elide.

Ukujonga iNkqubo yeSicelo

1. Unxibelelwano oluselubala kunye nababolekisi:
   • Isikhokelo: Gcina unxibelelwano oluvulekileyo nababolekisi, ufuna ingcaciso kumaxwebhu afunekayo kunye nokuqonda imigaqo ethile yombolekisi.
2. Uphononongo lobuNgcali lwamaxwebhu:
   • Isikhokelo: Bandakanya iingcali ukuba baphonononge amaxwebhu emali-mboleko, baqinisekise ukuba imigaqo ihambelana nokulindela kunye neenjongo.
3. Umcebisi wezomthetho ukuba uyafuneka:
   • Isikhokelo: Kwiimeko ezinzima okanye zokungaqiniseki, ukufuna ingcebiso yezomthetho kunokubonelela ngokhuseleko olongezelelweyo kubaboleki.

Ukuqukumbela: Ukuxhobisa ababoleki ngeZisombululo ezingenaMzamo

IiNkqubo eziLula eziNgena-QM zeMali-mboleko zime njengobungqina bemeko eguqukayo yenkxaso-mali yokubambisa, ibonelela ngokulula kunye nokufikeleleka kuluhlu olwahlukeneyo lwababoleki.Ngelixa ezi nkqubo zenza lula inkqubo yesicelo, ababoleki kufuneka basondele kwinkqubo yokwenza izigqibo ngokuqonda okucacileyo kwemigaqo kunye norhwebo olunokubakho.Ngokujonga izinto ezintsonkothileyo zeNkqubo yeMali-mboleko eLula iNgena-QM ngenkuthalo kunye nokwazisa, ababoleki banokusebenzisa la mathuba athe ngqo ukuphumeza iinjongo zabo zobunini bezindlu kunye nezezimali.

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.