11/15/2023

IImali-mboleko yoLuntu ye-QMInkqubo ibonisa ukuqhubela phambili okubonakalayo kwinkxaso-mali yasekhaya.Ibalasele kwabo bacelwa umngeni bubunzima kunye neempembelelo zemali zoLungiso lweNqanaba leMali-mboleko (LLPA).Le nkqubo isungulayo ilungisa ngokutsha ubume bendawo yokubambisa, ishenxisa uhlengahlengiso lweLLPA kwaye ngaloo ndlela ibonelela ngeendlela ezilinganayo nezinoqoqosho kuluhlu olubanzi lwababoleki.Ukuqonda ngokwenene impembelelo kunye nobume benguqu yale nkqubo, makhe siqwalasele uthotho lweemeko zobomi bokwenyani, nganye ilungiselelwe ukubonisa indlela iQM yoLuntu lweMali-mboleko enokuziguqula iindlela eziqhelekileyo zenkxaso-mali yokubambisa.Namhlanje, sinikezela ngezi meko, sibonisa umgaqo wokuba ukubona kukukholelwa.

Imeko 1:

Cinga ngomboleki onomlinganiselo we-FICO we-620, ejolise kwi-75% ye-LTV kwikhaya elilodwa losapho.Ngokwemveli, umboleki onjalo angajongana nenzala enyusiweyo ngenxa yohlengahlengiso lweLLPA, enokuthi inyuke iye kwi-8.375%.INkqubo yeMali-mboleko yoLuntu lwe-QM, nangona kunjalo, iyalurhoxisa olu hlengahlengiso, ibonelela ngereyithi enenzuzo ye-7.625%.Oku kuncitshiswa kwezinga akuguquleli nje kuphela ukonga okubalulekileyo kwexesha elide kodwa kwenza ukuba iphupha lobunini bezindlu lifikeleleke kwaye lizinze.

Imeko 2:

Omnye umboleki onomlinganiselo ophantsi we-FICO we-640, ujonge ukufumana i-2-4 iyunithi yepropathi yokuqala kunye ne-70% LTV.Kwimeko yesiqhelo yemali-mboleko, lo mboleki angadibana nohlengahlengiso olukhulu lwe-LLPA oluyi-3.125.INkqubo yeMali-mboleko yoLuntu ye-QM, ngokuchaseneyo, iphelisa ezi ndleko zongezelelweyo, iququzelela indlela yenkxaso-mali esebenza kakuhle kwaye efikelelekayo.

Imeko 3:
Emva koko, sithelekisa ababoleki ababini phantsi kweemeko ezahlukeneyo zemali-enye ene-FICO ephantsi kunye ne-LTV ephezulu, kwaye enye ine-FICO ephezulu kunye ne-LTV ephantsi:

(1) Umboleki-1 ujolise kwipropathi yeprayimari yeyunithi ye-2-4 kunye namanqaku e-FICO angama-620 kunye ne-LTV ephezulu ye-90%.
(2) Umboleki-2, kunye nenqaku elihle kakhulu le-FICO le-780, lijolise kwi-50% ye-LTV yendawo yokuhlala ephambili yentsapho enye.

NgeNkqubo yeMali-mboleko yoLuntu ye-QM, bobabini ababoleki banikwa umlinganiselo ofanayo wokukhuphisana we-7.625%, nokuba bahluke kwiiprofayili zabo, ezibonisa ukuzinikela kwenkqubo ekubolekeni amathuba alinganayo.

Imeko nganye ibonelela ngomzekelo ocacileyo, onxulumeneyo wendlela iimpawu ezizodwa zenkqubo, ngakumbi ukurhoxiswa kohlengahlengiso lweNqanaba leMali-mboleko (LLPA), kunokwenza umahluko omkhulu kwisakhono somboleki sokukhusela imali-mboleko.Ngokubonisa ezi meko, sijonge ukubonisa ukuguquguquka kwenkqubo, ukubandakanywa, kunye namandla ayo okuxhobisa uluhlu olubanzi lwababoleki kumzamo wabo wokuba ngabaninimzi.

Apha siza kuphinda i-Advantages yeNkqubo yeMali-mboleko yoLuntu lwe-QM:

• Ukubonisa inkqubo ekhethekileyo enikezela ngeenzuzo ezingenakulinganiswa nabathengi bakho!
  I-4,500 ye-CREDIT yeePropati ezifanelekileyo: Eli nqaku likhethekileyo linika inkuthazo eyongezelelweyo yezemali, okwenza inkqubo ibe nomtsalane ngakumbi kwabo banokuba ngababoleki.
• Ungaphoswa leli thuba lingenakuthelekiswa nanto
  I-AII LLPA/LTV&FICO/Cash-Out/High Balance Adjustments Iyekiwe: Ababoleki banokuthi ndlela-ntle kuhlengahlengiso lwe-arhente yemveli, bevula umnyango kumaxabiso angcono kunye nemigaqo.
• Yithi ndlelantle kuhlengahlengiso olusemgangathweni lwearhente!
  Akukho Condo/2-4 Uhlengahlengiso lweeYunithi: Eli lungiselelo longeza omnye umaleko wenzuzo, ngakumbi kwabo bafuna kwezi ntlobo zeepropati.
• Yonwabele le mvume yongezelelweyo
  Akukho Mfundo yoMnini-Khaya / Akukho zithintelo zeMvuzo: Inkqubo ilungelelanisa inkqubo, isusa imiqobo eqhelekileyo kwaye ikhawulezisa amaxesha okuvunywa kwemboleko-mali.
• Yenza inkqubo ibe lula kwaye ikhawuleze
  KwiNdawo yokuhlala yasePrimary

Ifumaneka ukuthenga, i-R / T Refi kunye ne-Cash Out: Inkqubo iguquguqukayo, ifumaneka ekuthengeni, ireyithi / i-term refinancing, kunye ne-cash-out refinancing, ukulungiselela iimfuno ezahlukeneyo zomninimzi.

Njengoko imarike yezindlu iguquka, iImali-mboleko yoLuntu ye-QMInkqubo ikulungele ukuziqhelanisa nokwandisa.Uphuculo lwexesha elizayo lunokubandakanya inkxaso yamalinge ezindlu ezizinzileyo, ulungelelwaniso neentsingiselo zemarike ezivelayo, kunye nokudityaniswa kobuchwepheshe ukulungelelanisa iinkqubo.Olu phuhliso lunokubakho lubonisa ukuzibophelela kwenkqubo yokuhlala ifanelekile kwaye isebenzayo kubaninimzi bangoku kunye nabazayo.

IImali-mboleko yoLuntu ye-QMInkqubo ingaphezulu kwemveliso yemali;bubungqina bendlela elinganayo nefikelelekayo kubuninimzi.Iimeko ezinikiweyo ziqaqambisa isakhono senkqubo sokujongana neendidi ngeendidi zababoleki, iqinisekisa ubulungisa ekubolekeni.Ngeengenelo zayo ezizodwa kunye neempawu zokucinga kwangaphambili, iNkqubo yeMali-mboleko yoLuntu lwe-QM ime njengesibane samathuba, inika indlela yobunini-zindlu enokufezekiswa kwaye izinzileyo.Yamkela le nkqubo namhlanje kwaye ungene kwikamva lempumelelo yezemali kunye nozinzo kwikhaya lakho lamaphupha.

Ividiyo:Yiba namava kwi-Advantage yeMali-mboleko yoLuntu ye-QM: Ithuba eliLinganayo, iiReyithi eziNgcono!

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.