Indlela iMali-mboleko yeSizwe eNgenaMfuneko yoMsebenzi ekuNceda ngayo

Ukufumana imali-mboleko njengelizwe langaphandle ngaphandle komsebenzi e-US kunokubonakala ngathi ngumsebenzi ongenakoyiswa. Kodwa AAAIimali-mbolekoilapha ukuze itshintshe loo ngxelo ngeMali-mboleko yeSizwe yaNgaphandle eyintshayo engenaMfuneko yoMsebenzi. Le mveliso yemali-mboleko ilungiselelwe ukuhlangabezana neemfuno ezithile zoluhlu olwahlukeneyo lwababoleki, ibanika indlela yokuba ngabaninimzi.

Ubuchule be-AAA boBoleka kwimalike yemali-mboleko ye-Non-QM bubanika umda ekuboneleleni ngale mali mboleko ikhethekileyo. Baye bagxila kwi-Non-QM mboleko iminyaka engama-22, okuthetha ukuba banokuqonda okunzulu kwe-nuan.EZIkunye neemfuno zababoleki abangayifanelanga imilinganiselo yemali mboleko yeQM. La mava abenza bakwazi ukubonelela ngesisombululo esiquka ngakumbi sokuboleka imali.

Inketho ethi "Self Prepared P&L" yinzuzo ebalulekileyo kubaboleki beMali-mboleko yeSizwe yaNgaphandle ngaphandle koMsebenzi. Endaweni yokufuna imbuyekezo yerhafu, enokuba ngumngeni kubantu bamazwe angaphandle ngaphandle komsebenzi, bamkela i-P&L ezilungiselele yona. Oku kuvumela abantu ukuba baveze imeko yabo yezemali ngendlela ebasebenzelayo, okonyusa amathuba abo okufumana imvume yokuboleka imali.

Enye into enomtsalane kukufumaneka kokhetho lweDSCR. Ngengeniso yerenti ekufaneleyo ukubolekwa imali, abemi bamazwe angaphandle banokunyusa utyalo-mali lwabo lwezindlu nezindlu ukuze bafumane inkxaso-mali. Oku kuluncedo ngakumbi kwabo baneendawo ezirentisayo e-US kwaye bafuna ukwandisa ipotfoliyo yabo yezindlu.

Inketho ye-HELOC ngaphandle kwesohlwayo esihlawulwa ngaphambili inika ababoleki ukuguquguquka kwemali. Banokufikelela kwiimali xa kuyimfuneko kwaye babuyisele ngaphandle kokukhathazeka malunga nezohlwayo ezinzima, besenza ukhetho olufanelekileyo kwiimeko ezahlukeneyo zemali.

Ubungqina obuhle obuvela kubathengi bexesha elidlulileyo bathetha ngokubanzi malunga nomgangatho wenkonzo kwi-AAA Lendings. Abathengi bancome iqela ngokukwazi kwabo ukuvala imali-mboleko ngokukhawuleza, rhoqo kwiiveki ezi-2, kunye nokubonelela ngamazinga okhuphiswano. Ingqwalasela yobuqu evela kumagosa emboleko afana noLeo Li kunye noJudy iqinisekisa ukuba ababoleki baziva bexhaswa kuyo yonke le nkqubo.

Isishwankathelo, i-AAA Lendings 'yeMali-mboleko yeSizwe yaNgaphandle ngaphandle koMmiselo weMisebenzi ibonelela ngeenzuzo ezininzi. Ukusuka kwiimfuno zamaxwebhu aguquguqukayo ukuya kwiimvume ezikhawulezayo kunye namazinga akhuphisanayo, ibonelela ngenketho enokwenzeka kubantu bangaphandle ukuba bangene kwimarike yezindlu yase-US. Ukuba ujonge imali yokubambisa eqonda iimeko zakho ezizodwa, le mboleko inokuba yimpendulo obuyikhangela. Thatha inyathelo lokuqala elibhekiselele kubunini bezindlu kwaye ujonge okunokwenzeka nge-AAA yokuboleka imali namhlanje.