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Iindaba ze-Mortgage

1. Kwimali-mboleko engeyiyo ye-QM, imfuno yokuphuma kwemali ilandelayo:
● I-Cash out seasoning, i-AAA Capital ichaza i-cash-out seasoning njengomahluko phakathi komhla wesicelo semali-mboleko entsha kunye nomhla wenqaku lemali-mboleko okanye umhla wokuthenga.
① Kwiipropati ezineenyanga ezilishumi elinesibini (12) nangaphezulu, i-LTV/CLTV isekwe phezu kwexabiso eliqikelelweyo.
② Ukuba ipropati iyeyeyakho ukususela kwiinyanga ezintandathu (6) ukuya kwezilishumi elinesibini (12), ixabiso lepropati liqingqelwe ukuba libe ngaphantsi kwexabiso eliqikelelweyo langoku okanye ixabiso lokuthenga ipropati kunye nophuculo olubhaliweyo.
● Lowo ubolekayo kufuneka abe kwi-vesting ubuncinane kwiinyanga ezi-6.(Libazise inkxaso-mali ngaphandle)
● Iipropati ezidweliselwe ukuthengiswa ngaphambili kufuneka zinikwe ixesha ubuncinane kwiinyanga ezi-6 ukususela kumhla wokuphelelwa kwekhontrakthi yoluhlu ukuya kumhla weNqaku.

2. Inzuzo yemali-mboleko engeyiyo ye-QM
● Ukuba i-LTV ingaphantsi kwama-70%, i-cash out refinance ayihlengahlengisi ireyithi, ireyithi ye-cash out refinance iyafana ne-No cash out refinance.
● Intsalela yemali efunyenweyo kwintengiselwano yomxholo ingasetyenziselwa oovimba abafunekayo.


Ixesha lokuposa: Jan-21-2022