Kwimeko ehlala iguquguquka yenkxaso-mali yokubambisa, abatyali-mali abangeyo-QM (i-Mortgage engaQekanga) badlala indima eyahlukileyo ekuboneleleni ngezisombululo ezizezinye ngaphaya kweeparamitha zokubolekisa ngemali.Esi sikhokelo sibanzi singena kwindawo yabatyalo-mali abangeyo-QM, sityhila ukubaluleka kwabo, iinzuzo abazizisa kubaboleki, kunye neengqwalasela eziphambili kwabo bahlola iinketho zokuboleka imali ngaphandle kwendawo eqhelekileyo.
Ukuqonda abatyali-mali abangeyo-QM
Abatyali-mali abangengo-QM ngamaqumrhu atyala imali kwaye axhase iimali-mboleko ezingezizo eze-QM.Ezi mali-mboleko ziyatenxa kwindlela engqongqo esekwe kwi-Qualified Mortgages (QM) phantsi kweDodd-Frank Wall Street Reform and Consumer Protection Act.Iimali-mboleko ezingezizo ze-QM zibonelela ababoleki abanokuthi bangafikeleli imigangatho yokuboleka imali kodwa babe neemeko ezizodwa zezimali.
Ukubaluleka kwabaTyali-mali abangeyo-QM
1. Ukwandisa ukuFikelela kwiNkxaso-mali ye-Mortgage
Abatyali-zimali abangengo-QM badlala indima ebalulekileyo ekwandiseni ukufikelela kwinkxaso-mali yokubambisa.Bajongana nababoleki abathi, ngenxa yezizathu ezahlukeneyo, baphume ngaphandle kwemilinganiselo ebekwe yimigaqo ye-QM.Oku kubandakanywa kuvumela uluhlu olwahlukeneyo lwabantu ukuba balandele ubunini bamakhaya.
2. Ukuguquguquka kwiikhrayitheriya zokuBhala
Ngokungafaniyo nemali-mboleko ye-QM eneenqobo zokubhala phantsi ezisemgangathweni, abatyali-mali abangeyo-QM babonelela ngokuguquguquka.Baqwalasela uluhlu olubanzi lwezinto xa bevavanya ukufaneleka komboleki, kubandakanywa imithombo yengeniso engaqhelekanga kunye neemeko zemali ezizodwa.
3. Ukubonelela abantu abaZiqeshileyo
Olunye uphawu olwahlukileyo lwemali-mboleko ye-Non-QM kukubhenela kwabo abantu abazisebenzelayo.Aba baboleki bahlala bejongene nemingeni ekubhalweni kwengeniso besebenzisa iindlela zemveli, kwaye abatyali-mali abangeyo-QM babonelela ngezisombululo ezihambelana neeprofayili zabo zemali.
4. Ukuxhasa abatyali-mali bezindlu
Abatyali-mali abangengo-QM baluncedo ekuxhaseni abatyali-mali bezindlu.Nokuba kukuxhasa ngemali iiprojekthi zokulungisa nokuguqula okanye ukufumana iipropati ezirentwayo, iimali-mboleko ezingezizo eze-QM zibonelela ngokuguquguquka kunye nesantya abasoloko besifuna abatyali bezindlu.
5. Ukujongana nemingeni yeTyala
Ababoleki abanemingeni yetyala, njengokutshona kwemali yamva nje okanye ukuvalwa, banokufumana iindlela zokukhetha kunye nabatyali-zimali abangeyo-QM.Aba batyali-mali bazimisele ngakumbi ukujonga ngaphaya kwamanqaku etyala kwaye baqwalasele umfanekiso wemali uwonke womboleki.
Izibonelelo zeeMali-mboleko ezingezizo eze-QM kubaBoleki
1. Izisombululo ezilungiselelweyo
Iimali-mboleko ezingezizo ze-QM zivumela izisombululo ezilungelelanisiweyo ezihlangabezana neemfuno ezithile zababoleki.Nokuba yimeko yemali eyodwa okanye uhlobo lwepropathi engaqhelekanga, iimali-mboleko ezingezizo ze-QM zibonelela ngokwenziwa ngokwezifiso ezinokuthi zingabonelelwa ngeemali zokubambisa.
2. Inkqubo yokuVuma ngokukhawuleza
Ubume obulungelelanisiweyo bemali-mboleko ye-Non-QM ihlala ikhokelela kwiinkqubo zokuvunywa ngokukhawuleza.Oku kunenzuzo ngakumbi kwiimeko apho ixesha libaluleke kakhulu, njengamathuba otyalo-mali lwezindlu nomhlaba ofuna inyathelo elikhawulezileyo.
3. UkuBoleka okuSekwe kwiAsethi
Iimali-mboleko ezingezizo eze-QM zihlala zisebenzisa i-asethi esekwe kwi-asethi, apho ixabiso lepropati liyeyona nto iqwalaselwayo.Oku kunokuba luncedo kubaboleki abanee-asethi ezibalulekileyo kodwa imithombo yengeniso engaqhelekanga.
4. I-Pool yoMboleki eyandisiweyo
Iimali-mboleko ezingezizo ze-QM zandisa iphuli yomboleki ngokuhlalisa abo basenokungafanelanga ukungunda kwemveli yokubolekisa.Oku kubandakanywa kukhuthaza imarike yemali-mboleko eyohlukeneyo nefikelelekayo.
5. Ukufezekisa iinjongo ze-Unique Real Estate
Kubantu ababolekayo abaneenjongo ezizodwa zokuthengisa izindlu, ezinjengokuthenga i-condo engenawaranti okanye ukuxhasa ngemali ipropati enobume obuntsonkothileyo bobunini, iimali-mboleko ezingezizo ze-QM zibonelela ngokuguquguquka okufunekayo ukuze kuphunyezwe ezi njongo.
Iingqwalaselo kubaBoleki abaPhonononga iiKhetho ezingezo-QM
1. Qonda ngokucokisekileyo iMigaqo neMiqathango
Ngaphambi kokukhetha imali mboleko ye-Non-QM, ababoleki kufuneka baqonde kakuhle imimiselo kunye neemeko.Oku kuquka amazinga enzala, imigaqo yokuhlawula, kunye nazo naziphi na iimfuno ezithile ezibekwe ngumtyali-mali ongeyoQM.
2. Dibana neeNgcali ze-Mortgage
Ukufuna isikhokelo kwiingcali zokubambisa imali kubalulekile xa ujonga iinketho ezingezizo ze-QM.Abacebisi bezindlu ezibolekwayo banokubonelela ngemibono, bavavanye iimeko zezimali zomntu ngamnye, kwaye bacebise ezona zisombululo zifanelekileyo ze-Non-QM.
3. Vavanya iiMpembelelo zeMali zeXesha elide
Ababoleki kufuneka bavavanye ngononophelo iziphumo zemali zexesha elide kwiimali-mboleko ezingezizo ze-QM.Ngelixa ezi mboleko zibonelela ngokuguquguquka, kubalulekile ukuqwalasela indlela imigaqo ehambelana ngayo neenjongo zezimali zexesha elide.
4. Thelekisa abaTyalomali abaninzi abangeyoQM
Kanye njengokuba kusenziwa imali yokubambisa ngokwemveli, ababoleki kufuneka bathelekise iminikelo evela kubatyali-mali abaninzi be-Non-QM.Oku kubandakanya ukuvavanya amazinga enzala, imirhumo, kunye nodumo lulonke lomtyali-mali ongeyo-QM.
Isiphelo: Ukuxhobisa ababoleki ngeZisombululo ezingezizo ze-QM
Abatyali-zimali abangengabo be-QM bazisa umgangatho oxabisekileyo kwimarike yemali-mboleko ngokunika ezinye iindlela ezibonelela uluhlu olwahlukeneyo lwababoleki.Nokuba ibonelela ngokuguquguquka kwiikhrayitheriya zokubhala phantsi okanye ukuxhasa iinjongo zezindlu nezindlu ezingaqhelekanga, iimali-mboleko ezingezizo ze-QM zixhobisa ababoleki ukuba baqhubele phambili nobunini bezindlu kunye notyalo-mali lwezindlu nomhlaba ngokwemiqathango yabo.
Njengoko ababoleki bephonononga iinketho ezingezizo ze-QM, ukuqonda ukubaluleka kwabatyali-mali abangeyo-QM, izibonelelo abazinikezelayo, kunye nokuqwalaselwa okuphambili kuba yeyona nto iphambili.Ngesikhokelo esifanelekileyo kunye nokuqonda okucacileyo kweenjongo zezimali zomntu ngamnye, iimali-mboleko ezingezizo ze-QM zinokuba lukhetho olucwangcisiweyo noluxhobisayo kwimeko eguquguqukayo yenkxaso-mali yokubambisa.
Ixesha lokuposa: Nov-18-2023