Amaxabiso emali yokubolekwa kwemali aye enyuka ukusukela oko iFederal 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%.
n Min FICO 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%.
n Min FICO 680.
Kubonakala ngathi indlela yokunyuswa kwenzala ayizukuyeka okwangoku kwaye nenzala ephantsi yoluhlu lwee-R100 inokuba “Ixesha-umda”.Ungaphoswa elona thuba lilungileyo lokukhwela nge-AAA yokuboleka imali!
Ixesha lokuposa: Apr-02-2022