Akukho Isohlwayo seNtlawulo: Inzuzo ye-Self P&L Mortgages

Kwilizwe elintsonkothileyo nelihlala lisoyikisa lemali yokubambisa e-United States, ababoleki abaneengxelo ezilungiselelwe bona zeP&L bajongana nemingeni ekhethekileyo. Nangona kunjalo, ukhetho lwee-mortgages kunyeAkukho Isohlwayo seNtlawuloivela njengomtshintshi-mdlalo, ngakumbi kweli qela likhethekileyo.

AAAIimali-mboleko, igama elidumileyo elineminyaka engaphezu kwe-15 yamava kunye nerekhodi yokuhlawula imali engaphezulu kwe-20 yeebhiliyoni zeerandi ukunceda iintsapho ezingaphezu kwama-50,000, iyiqonda kakuhle le mingeni. Banikezela ngoluhlu lweemveliso zemboleko, kubandakanywa nezo zilungiselelwe ababoleki kunye neengxelo ze-P&L ezizilungiseleleyo.

Enye yeenzuzo ezibalulekileyo zeemveliso zabo zokubambisa kukungabikho kwesohlwayo sokuhlawula kwangaphambili. Kubaboleki abaneengxelo ze-P & L ezilungiselelwe ngokwabo, iimeko zemali zinokuthi ziqikeleleke. Ishishini linokufumana umoya wequbuliso, ovumela lowo ubolekayo ukuba ahlawule imali-mboleko ngaphambi kokuba bekulindelwe. Kwiimeko ezinjalo, isohlwayo sokuhlawula kwangaphambili sinokusebenza njengesithintelo, sisenza umboleki athandabuze ukuthatha ithuba lokuphucula imeko yakhe yezemali. Kodwa nge-AAA Lendings 'akukho ntlawulo yokubambisa isohlwayo sentlawulo yangaphambili, ababoleki banenkululeko yokuhlawula iimali-mboleko zabo kwangoko ngaphandle kokwenza naziphi na iindleko ezongezelelweyo.

Oku bhetyebhetye akuboneleli kuphela uxolo lwengqondo kodwa kukwabonelela ngamathuba ocwangciso lwezemali. Ababoleki banokucwangcisa imali yaboEZIngobuchule obungakumbi, besazi ukuba banokuwunciphisa umthwalo wabo wamatyala nanini na oko kuyingenelo kubo ngokwasezimalini.

Ngaphezu koko, inkqubo yokubhala phantsi kwi-AAA Lendings iyaguquguquka. Xa abanye ababolekisi benokwala ababoleki ngeengxelo ezilungiselelwe bona ze-P&L, i-AAA Lendings ihlala ithi "Ewe." Le ndlela ibandakanyayo, idityaniswe nophawu lwesohlwayo sokungahlawulwa kwangaphambili, yenza iimveliso zabo zokubambisa zibe nomtsalane kakhulu.

Inkqubo yokuvala ngokukhawuleza, kunye nexesha eliqhelekileyo kwiiveki ezi-3, yongeza ngakumbi kwisibheno. Ababoleki banokukhawuleza bakhusele iimali-mboleko zabo kwaye baqale ukonwabela izibonelelo zobunini bezindlu. Ubungqina obuvela kubathengi abonelisekileyo buqaqambisa ubuchwephesha kunye nokusebenza kakuhle kweqela, abaninzi bencoma ukukwazi kwabo ukuvala imali-mboleko ngexesha elibekiweyo.

Ukuqukumbela, ukuba ungumboleki kunye nengxelo ye-P&L ozilungiseleleyo ofuna i-mortgage e-US, cinga ukuba akukho ntlawulo yentlawulo yemali yokubambisa enikezelwa yi-AAA Lendings. Inokuba sisitshixo ekuvuleni amava e-mortgage athambileyo kwaye angenaxinzelelo.