Ulifanelekela njani i-CPA eLungisiweyo yeMali-mboleko yeP&L

Ukulungela i-CPA eLungisiweyo yeP&L Loan ibandakanya amanyathelo angundoqo aliqela kunye neemfuno eziyilelwe ngokukodwa ubuqu.qeshwaabantu abafuna ukugqitha kwiindlela zokuqinisekisa ingeniso njengembuyekezo yerhafu. Ezi mboleko zivumela ababoleki ukuba basebenzise ingxelo yeNzuzo kunye neLahleko (P & L) elungiselelwe nguMgcini-mali oQinisekisiweyo (CPA) njengobungqina bengeniso-ukwenza kube yinto efanelekileyo kulabo ababuyiswayo berhafu ababonakalisi ngokuchanekileyo umvuzo wabo wangoku ngenxa yokutsalwa kweshishini okanye ingeniso eguquguqukayo.

Imfuno yokuqala kukuba ababoleki kufuneka babeUziqeshilengokuba nama-50% ubuncinane eshishini labo. Ukongeza, le nkqubo ifuna ukuba ishishini lisebenze ubuncinci iminyaka emibini. Oku kubonisa uzinzo kunye nokungaguquguquki ekuveliseni ingeniso-into ebalulekileyo kubabolekisi abavavanya amandla okubuyisela.

Okulandelayo kuza ukulungiswa kwamaxwebhu. Ilitye lembombo lale mali-mboleko yinkcazo ye-P&L elungiselelwe i-CPA, ekufuneka igubungele ubuncinane iinyanga ezili-12 zokugqibela (kwaye rhoqo ukuya kuthi ga kwiinyanga ezingama-24) zokusebenza kweshishini. Olu xwebhu kufuneka lusayinwe luze lubhalwe umhla yi-CPA enelayisensi kwaye kufuneka lunike inkcazo eneenkcukacha yengeniso kunye neendleko. Kubalulekile ukuba le nkcazo ichanekile kwaye iphelele; nakuphi na ukungangqinelani kunokulibazisa okanye kubeke emngciphekweni imvume. Ababoleki ngaphandle kobudlelwane obukhoyo kunye neCPA kufuneka babeke phambili ukufumana enye kwangethuba kwinkqubo.

Amanqaku etyala yenye into ebalulekileyo ekufikeleleni kwezi mboleko. Sifuna inqaku le-FICO elincinci le-660. Kwaye imfuno yentlawulo encinci yi-20%. Okubalulekileyo, inkqubo ye-CPA eLungisiweyo ye-P & L yeMali-mboleko ivumela iimali zesipho njengenxalenye yentlawulo ephantsi-ukuba ababoleki babonelele ukuba banikela ubuncinane be-5 % kwiimali zabo. Oku bhetyebhetye kunokuba luncedo ngakumbi kubantu abaziqeshileyo abanokufuna uncedo lokuhlangabezana nemigangatho yokuhlawula kodwa basafuna ukubonisa ukuzibophelela kwezemali.

Ukufaneleka kohlobo lwepropati yenye into ephambili yokuqwalaselwa. Ngokungafaniyo nokubambisa okuqhelekileyo okuhlala kuthintele ukhetho lwenkxaso-mali kwiintlobo ezithile zepropathi njengee-condos ezingaqinisekanga, inkqubo yethu ye-CPA eLungisiweyo ye-P & L yeMali-mboleko ivumela ngokucacileyo ezi propati-ukwandisa ukhetho lwezindlu kubaboleki abanomdla kwii-condos ezingahambelani nezikhokelo ezisemgangathweni zikaFannie Mae okanye uFreddie Mac ngenxa yemibandela efana nobunini bomtyali-mali ophezulu okanye indawo yorhwebo ngaphakathi kwendawo yorhwebo.

I-CPA yethu elungiselelwe i-P&L Loan, ixesha leMali-mboleko ngamazinga amiselweyo angama-30, abonelela ngokuzinza kwentlawulo yexesha elide-inzuzo ebalulekileyo kubaboleki abazisebenzelayo abanokufumana ukuguquguquka kwengeniso kodwa bafuna iintlawulo eziqikelelwayo ze-mortgage ekuhambeni kwexesha.