Njani i-AAA yokuBoleka iNikeza akukho Msebenzi akukho Mvuzo yeMali-mboleko yeendawo zokuhlala eziziiprayimari

Kubantu abajonge ukuthenga aAmabanga aphantsiyokuhlala kodwa ujongene nocelomngeni lokungabi namsebenzi okanye umvuzo ozinzileyo, indlela eya kubuninimzi inokubonakala ingumqobo. Ngethamsanqa, i-AAA Lendings ibonelela ngezisombululo ezinokubakho ngothotho lweemveliso zemboleko ezilungiselelwe le meko.

Ukuzibophelela kwe-AAA yokuBoleka izinto ezintsha kunye nenkonzo yabathengi kuyabonakala kwindlela yayo yokungaSebenzisi Akukho Mali-mboleko. Iminyaka yabo engama-22 yamava agxile kwi-Non-QM yecandelo lemali-mboleko ibaxhobisele ngolwazi nobuchule bokujongana neemeko ezinzima zokuboleka imali.

Ukhetho lweP&L oluzilungiseleleyo ngumnikelo ongundoqo. Ivumela ababoleki ukuba babonakalise amandla abo emali ngaphandle kokuxhomekeka kumaxwebhu engeniso yemveli afana neembuyekezo zerhafu. Oku kuluncedo kakhulu kubantu abazimeleyo, abantu abaziqeshileyo, okanye abo baphakathi kwemisebenzi. Ngokulungiselela ezabo iingxelo zengeniso kunye nelahleko, banokubonisa amandla abo okulawula imaliEZIkwaye babuyisele imali-mboleko, ngaloo ndlela bekhulisa amathuba abo okufumana imali-mboleko yendawo yabo yokuhlala ephambili.

Inketho ye-DSCR yemali-mboleko ebonelelwa yi-AAA Lendings sesinye isibonelelo esibalulekileyo. Ukuba umntu obolekayo uneendawo zokurenta, ingeniso efunyenwe kwezi ingasetyenziselwa ukufaneleka kwimali-mboleko. Oku kwenza ukuba abantu abasenokungabi nawo umsebenzi orhola rhoqo bakwazi ukufikelela kwimali efunekayo yokuthenga indawo yokuhlala esisiseko. Iyahlula imithombo yengeniso eqwalaselwayo ukuze kuphunyezwe imvume yemali-mboleko, nto leyo eyenza ukuba inkqubo ibandakanyeke ngakumbi.
Ukhetho lwemali mboleko yeBhanki lufanelekile ukuba luphawulwe. Ngokufana ne-Self Prepared P&L, isusa imfuno yembuyekezo yerhafu. Ababolekisi bavavanya impilo yezemali yomboleki ngokusekelwe kwiingxelo zabo zebhanki, babonelele ngenye indlela kwabo bangenayo ingeniso yesiqhelo yokufaka isicelo semali-mboleko.

Ukongeza kwezi mveliso zemboleko, i-AAA Lendings inikezela ngenkonzo eyenzelwe wena. Iqela labo lisebenza ngokusondeleyo nababoleki, liqonda iimeko zabo ezizodwa kwaye libakhokele kwinkqubo yokufaka isicelo semali-mboleko. Oku kuchukunyiswa komntu siqu kubalulekile xa usebenza nezicelo zeMali-mboleko yokungaSebenzi kwaMvuzo, njengoko imeko nganye inokwahluka.
Amaxabiso okhuphiswano anikezelwa yi-AAA Lendings ayenze ibemnandi ngakumbi isivumelwano. Bazama ukubonelela ababoleki ngeendlela zokuboleka ezifikelelekayo, beqinisekisa ukuba iindleko zemboleko zifanelekile kwaye zifikeleleka. Amaxesha okuvalwa okukhawulezayo, i-avareji kwiiveki ezi-3, kuthetha ukuba ababoleki banokungena kwiindawo zabo zokuhlala ezingundoqo ngokukhawuleza kunokuba kamva.
Ngamafutshane, indibaniselwano ye-AAA yokuBoleka kweemali-mboleko yeemveliso ezintsha, ukubhala phantsi okubhetyebhetye, inkonzo eyenzelwe wena, amazinga okhuphiswano, kunye namaxesha okuvala ngokukhawuleza kubenza lube lolona khetho lufanelekileyo kuye nabani na ofuna iMali-mboleko yokungaSebenzisi kwiNdawo yokuHlala yaseprayimari. Ukuzibophelela kwabo ekuncedeni ababoleki ukuba bafezekise ubunini bezindlu, kungakhathaliseki ukuba baqeshwe phi kunye nemeko yengeniso, kubabeka bucala kwimarike yemali-mboleko yase-US.