Iindaba ze-Mortgage

Amaxabiso emali yokubolekwa kwemali aye enyuka ukusukela oko i-Federal Reserve yaqala ukunyusa izinga lokunyuka kwamaxabiso ekuqaleni konyaka, itsibela kumanqanaba awo aphezulu phantse kwiminyaka emithathu nangaphambi kokubhengezwa kokunyuka kwezinga.

NgoLwesine, uFreddie Mac ukhuphe ireyithi yemali-mboleko yeminyaka engama-30 kwi-4.67%, inqanaba elitsha ukusukela ngoDisemba ka-2018.

Ekuqaleni kwalo nyaka, eli nani lahlala likwi-3.22%. Oko kuthetha ukuba amazinga emali-mboleko anyuke nge-145 amanqaku asisiseko kuyo yonke ikota kwaye afikelele kufutshane ne-5% okokuqala kule minyaka mine yakutshanje.

Ukuza kuthi ga ngoku, i-Federal Reserve inyuse inzala kanye kuphela, elingana namaxesha amathandathu okunyusa inzala kubalwa kumanqaku angama-25 ngexesha elinye.

Ukuchatshazelwa kukunyuka kwamaxabiso aphezulu, i-Fed iceba ukunyusa amaxabiso kuzo zonke iintlanganiso kulo nyaka, ngelixa indlela enobundlobongela yokunyuka kwamaxabiso kunye nokunyuka kwamaxabiso emali mboleko phantse.

Xa ujongene nokunyuka kwamaxabiso emali-mboleko anokuthi aqhubeke, uninzi lwenu olufaka isicelo semali-mboleko yokuthenga indlu lunokuqalisa ukulinda okanye lulindele ukuthotywa de inzala ifikelele kwinqanaba elisezantsi.

Enyanisweni, njengoko izicelo ze-mortgage zizonke ziphantsi kwe-60% xa kuthelekiswa nonyaka odlulileyo, ngokutsho kwe-Mortgage Bankers Association.

Kanye njengokuba iibhanki ezinkulu zilandela umkhwa wokunyuka kwamaxabiso, uluhlu lweemveliso ezibolekwayo ezivela kwi-AAA yokuboleka zenza abantu bayeke ukubukela kwaye bathabathe inyathelo.

Izicelo zemali-mboleko ziyenyuka njengoko inzala ikhula ngendlela

Kwimarike apho iibhanki ezinkulu zithe gqolo ukunyuka phantse kwimijikelo yeentsuku ezi-2, uthotho lwe-R100 leemveliso zemboleko ezityalwa yi-AAA Lendings azikhange zilandele isantya sokunyuswa kwenzala kodwa ziye zayikhupha le ndlela ngenzala ephantsi.

Ukuza kuthi ga ngoku, inzala ye-AAA yokuBoleka imali ihlala kwinqanaba eliphantsi le-4.250%. Ngokwezibalo ze-AAA Lendings, inani lezicelo zoluhlu lweemveliso ze-R-100 linyuke kakhulu kulo nyaka.

Ungazibuza ukuba "okulungeleyo ukwenza isiceloImveliso ye-R100?"

Umqeshwa

Nokuba wenar ababolekiungummi wase-US, ubambe ikhadi eliluhlaza okanye ikhadi lomsebenzi, okanyeummi wangaphandle, ungakhetha imveliso ye-WVOE. Nazi ezinye iingenelo:

n Akukho paystub/W-2/imbuyekezo yerhafu efunekayo.

n Iimali zezipho zivumelekile.

n Ummi wangaphandle uvumelekile.

n 12 iinyanga zokugcina ibalwe PI (Hayi PITIA omnye umbolekisi efunekayo).

n Imali-mboleko ukuya kuthi ga kwi-2.5M yeedola.

n Intlawulo ephantsi ingaphantsi njenge-30%.

I-FICO yam yi-680.

Suziqeshile

Nokuba wenar ababolekiungummi wase-US, ubambe ikhadi eliluhlaza okanye ikhadi lesazisi, okanye umntu wangaphandlekuzwelonke, ungakhetha iSelf Prepared P & L imveliso:

n Akukho siginitsha ye-CPA efunekayo.

n Ummi wangaphandle uvumelekile.

n Imali-mboleko ukuya kuthi ga kwi-10M yeedola.

n 12 iinyanga zokugcina ibalwe PI (Hayi PITIA omnye umbolekisi efunekayo).

n Akukho zimbuyekezo zerhafu ezifunekayo kunye nemali yesipho evumelekileyo.

n Intlawulo ephantsi ingaphantsi njenge-30%.

I-FICO yam yi-680.

Kubonakala ngathi indlela yokunyuswa kwenzala ayizukuyeka okwangoku kwaye nenzala ephantsi yoluhlu lwee-R100 inokuba “Ixesha-ungaphoswa elona thuba lihle lokukhwela inqwelo-mafutha nge-AAA yokuboleka!