Yandisa amandla akho okuthenga ngeMali-mboleko nge-5/6 ye-ARM yeMali-mboleko evela kwi-AAA yokuBoleka

Ukuzulazula kwimo ye-mortgage yase-US kunokuba nzima, kodwa i-AAA Lendings iyenza lula inkqubo kunye nayo.5/6 IngaloImali-mboleko yeRate Flexible Rate Mortgages. Ngembali ethatha iminyaka engaphezu kwe-15 kunye nodumo lokuthembeka, i-AAA Lendings ibe liqabane elithembekileyo kwiintsapho ezingenakubalwa.

Imali-mboleko ye-5/6 ye-ARM inikezela ngolungelelwaniso lweqhinga phakathi kozinzo kunye nokulungelelanisa. Ithuba lokuqala leminyaka emi-5 elimiselweyo livumela ababoleki ukuba bacwangcise iimali zabo ngokuqinisekileyo. Oku kuluncedo ngakumbi kwabo bafuna ukuseka inkqubo yentlawulo engaguqukiyo kwiminyaka yokuqala yobunini bezindlu. Emva kwexesha elimiselweyo, ulungelelwaniso lwesantya sesiqingatha sonyaka lunika ababoleki ithuba lokuxhamla kwixabiso lemarike elinokubakho.

Ukuzibophelela kwe-AAA yokuBoleka kwinkonzo eyenzelwe wena kuyaqaqamba xa kufikwa kwiMali-mboleko ye-5/6 ye-ARM. Umbolekisi uyaqonda ukuba imeko yomboleki ngamnye yahlukile. Nokuba ungumntu ozisebenzelayo oneP&L ozilungiseleleyo okanye ungumtyali-mali oxhomekeke kumvuzo wokurenta, i-AAA Lendings' flexible underwriting inokwanelisa iimfuno zakho.

Inkqubo yokuvala ngokukhawuleza iyinzuzo ebalulekileyo. Kwimarike yezindlu ezikhuphisanayo, ukukwazi ukuvala imali-mboleko kwiiveki ezi-3, okanye ngokukhawuleza kwiiveki ezi-2 kwezinye iimeko, kunokukunika umda. Ababoleki babelane ngamava abo alungileyo, begqamisa ubuchwephesha kunye nokuzinikela kweqela le-AAA Lendings.

Ukhetho lwemali-mboleko yesiteyitimenti sebhanki, olususa imfuno yeUkuBuyiswa kweRhafu, inika umaleko owongezelelweyo woncedo. Xa kudityaniswe ne-$4,500 yetyala elongezelelweyo elifumaneka nge-QM Community Loan, ababoleki banokonwabela inkululeko engakumbi yemali.

Ngokwenyani, i-5/6 ye-ARM yeMali-mboleko evela kwi-AAA yokuBoleka ikunika amandla okwenza uninzi lohambo lwakho lokuboleka imali. Iimpawu zayo ezizodwa, ezidityaniswe nobuchule be-AAA Lendings kunye nokuzinikela ekwanelisekeni kwabathengi, yenze ukuba ibe lolona khetho luphezulu kwabo bafuna i-mortgage rate e-US. Ungaphoswa lithuba lokukhusela imali-mboleko ehambelana neenjongo zakho zemali.