Ubunini-ziKhaya obuNgakhathali: IiNgxowa-mali zeZipho zeMali-mboleko yeMisebenzi

Kwimeko entsonkothileyo yemarike ye-mortgage yase-US, ukufumana imali-mboleko yendlu kunokuba ngumsebenzi onzima, ngakumbi xa ungaphangeli. Nangona kunjalo, i-AAA Lendings ilapha ukuze iguqule amava akho okuthenga ikhaya ngokumangalisayoakukho msebenziInkqubo yeMali-mboleko eyamkela imali yesipho.

I-AAA Lendings inegama elihle elakhiwe ngaphezu kweminyaka eyi-15. Ngembuyekezo yemali-mboleko iyonke edlula i-20 yeebhiliyoni zeerandi kwaye incede ngaphezulu kwe-50,000 yeentsapho, baye babonisa ukuzimisela kwabo kolu shishino. Ubukho babo obuninzi, obusebenza kumazwe angama-46 kunye neSithili sase-Columbia, buqinisekisa ukusasazeka kwe-acEZIubuntwana.

Ukwamkelwa kweemali zesipho kwiNkqubo yeMali-mboleko yeMisebenzi yinto etshintshayo. Kubantu abaninzi abangenamsebenzi ozinzileyo, ukuthembela kwinkxaso yemali evela kusapho okanye kubahlobo lukhetho olusebenzayo. Le nkqubo ivumela ababoleki ukuba basebenzise imali yesipho njengenxalenye yentlawulo yabo okanye ukuhlangabezana nezinye iimfuno zemali. Ivula iingcango zokuba ngabaninimzi kwabo bebenokuthi bakhutshelwe ngaphandle ngenxa yokungaqeshwa.

Uluhlu olwahlukeneyo lweemveliso zemboleko ezibonelelwa yi-AAA Lendings zincedisana neNkqubo yeMali-mboleko yeMisebenzi. Iimveliso zabo ze-Non-QM mboleko, ngokukodwa, zenzelwe ukubonelela ababoleki abaneemeko ezizodwa zemali. Umzekelo, iSelf Prepared P&L option ayifuni kubuyiswa rhafu, isenza kube lula kubantu abazisebenzelayo okanye abangaphangeliyo ukuba bafaneleke. Imali-mboleko ye-DSCR yenza ukuba ingeniso yerenti isetyenziselwe isiqinisekiso, inika enye indlela kwabo bafuna imali yokubambisa.

Inkonzo esebenzayo kunye nephakathi kwabathengi ye-AAA yokuboleka imali nayo ifanelekile ukuba igxininiswe. Ngokubhala phantsi okuguquguqukayo, banokuthi "Ewe" xa abanye bejikisa ababoleki. Ixesha eliqhelekileyo lokuvala liphakathi kweeveki ezi-3, kwaye kwezinye iimeko, ngokukhawuleza kwiiveki ezi-2, njengoko kungqinwe ngabathengi abanelisekile. Banikezela ngamaxabiso okhuphiswano kunye nenkonzo eyenzelwe wena, beqinisekisa ukuba zonke iimfuno zomboleki ziyafezekiswa.

Ukuqukumbela, ukuba uphupha ngokuba nekhaya kodwa ubanjwe kukungaqeshwa, iNkqubo yeMali-mboleko ye-AAA, eyamkela imali yesipho, inokuba litikiti lakho lobunini-khaya. Ungavumeli imeko yakho yengqesho ikumise endleleni yamaphupha akho. Finyelela kwi-AAA yokuboleka kwaye uthathe inyathelo lokuqala elisingise kwikhaya elitsha.