Akukho ziBuyiselo zeRhafu ezifunekayo: Isikhokelo esiGqibeleleyo kwiiNkqubo zeMali-mboleko ye-P&L

Kwilizwe elintsonkothileyo lokubolekwa kwezindlu e-US, i-AAA Lendings igqamile ngenkqubo yayo yeP&L yemali mboleko esusa imfunoUkuBuyiswa kweRhafus. Lo mnikelo uyingqayizivele utshintsha umdlalo kubaboleki abaninzi.

Ukuze-qeshwaabantu okanye abo banengeniso engaqhelekanga, ukubonelela ngeembuyekezo zerhafu kunokuba ngumsebenzi onzima. Ababolekisi bemveli bakholisa ukuthembela kakhulu kwimbuyekezo yerhafu ukuvavanya ukuzinza kwezemali zomboleki. Nangona kunjalo, iinkqubo ze-AAA Lendings 'P&L mboleko zithatha indlela eyahlukileyo. Ngokuvumela ababoleki ukuba bafanelekele ngokusekelwe kwiingxelo zenzuzo ezilungiselelwe ngokwabo kunye nelahleko, bavula ithuba lokuba ngabaninimzi kuluhlu olubanzi lwabantu.

Enye yeenzuzo eziphambili zezi nkqubo kukuguquguquka okukunikayo. Ababoleki ekusenokwenzeka ukuba baye bajikiswa ngabanye ababolekisi ngenxa yokungagqitywanga okanye iirekhodi zerhafu ezingaphantsi kunezifanelekileyo ngoku banethuba lokukhusela imali-mboleko. Oku akuncedi kuphela ababoleki kodwa kunegalelo kwimarike yezindlu ebandakanyayo.

Ngaphezu koko, inkqubo yokuvunywa ikhawuleza. Ngexesha lokuvala umndilili kwiiveki ezi-3, ababoleki banokuqhubela phambili nokuthenga ikhaya labo okanye izicwangciso zokuhlaziya imali ngaphandle kokulibaziseka okungeyomfuneko. Esi santya sibaluleke kakhulu kukhuphiswano lwentengiso yezindlu nezindlu apho ixesha libalulekile.

Inkonzo eyenzelwe wena kwi-AAA Lendings iqhubela phambili ekuphuculeni umdla weenkqubo zabo zeP&L mboleko. Amagosa emboleko, njengoLeo Li noJudy, aziwa ngokuzinikela kunye noxanduva lwabo. Basebenza ngokusondeleyo nababoleki, bephendula yonke imibuzo yabo kwaye bebakhokela kwinkqubo. Njengoko kubonwe kubungqina, abathengi baye bafumana amava amnandi kakhulu, kunye neemali-mboleko zihlaziywa okanye zamkelwe ngokukhawuleza nangobuchule.

Ukuqukumbela, iinkqubo mboleko ze-P&L ze-AAA eziBolekayo ezifuna kungabikho mbuyekezo yerhafu lukhetho olumangalisayo kubaboleki e-US. Banikezela ngokuguquguquka, isantya, kunye nenkonzo yobuqu, benza iphupha lobunini-khaya lifezeke ngakumbi kunangaphambili.