11/03/2023

Xa kufikwa kwinkxaso-mali engaqhelekanga, imali-mboleko ye-Non-QM (i-Non-Qualified Mortgage) iye yanda kakhulu. Ababoleki abangayifikeleliyo imigangatho yemali-mboleko yemveli banokubhenela kubabolekisi bemali-mboleko ye-Non-QM ukuze bafumane izisombululo ezizodwa. Ukuba useCarlifonia kwaye ujonga iimali-mboleko ezingezizo ze-QM, esi sikhokelo sibanzi siya kukunceda ujonge ubume bomhlaba kwaye ufumane umbolekisi ofanelekileyo ukuhlangabezana neemfuno zakho ezithile.

Ukuqonda iiMali-mboleko ezingezizo ezeQM

Iimali-mboleko ezingezizo eze-QM zenzelwe ababoleki abasenokungafanelani nokungunda okuqhelekileyo okufunwa ngababolekisi bemveli. Ezi mboleko azihambelani nemigaqo engqongqo ebekwe ngamaqumrhu axhaswa ngurhulumente afana noFannie Mae okanye uFreddie Mac. Endaweni yoko, ababolekisi be-Non-QM bavavanya ababoleki ngokusekelwe kwizinto ezahlukeneyo, ezinjengeengxelo zebhanki, ukuhamba kwemali, kunye ne-asethi.

Nanga amanye amanqaku aphambili ekufuneka uwaqonde malunga neemali-mboleko ezingezizo eze-QM:

• Ukuguquguquka kwetyala: Iimali-mboleko ezingezizo ze-QM ziba nobubele xa kufikwa kwiimfuno zetyala. Ababoleki abanekhredithi enganeno kune-egqibeleleyo okanye iimeko zetyala ezizodwa banokufaneleka.
• Olunye Uxwebhu: Ababolekisi be-non-QM bamkela amanye amaxwebhu, nto leyo eyenza kube lula kubantu abaziqeshileyo okanye abo banemithombo yengeniso engaqhelekanga ukuba bamkelwe.
• Iindidi ezahlukeneyo zePropati: Iimali-mboleko ezingezizo ze-QM zingasetyenziselwa iintlobo ezahlukeneyo zepropathi, kubandakanywa iipropati zotyalo-mali kunye nee-condos ezingenawaranti.

Izibonelelo zeeMali-mboleko ezingezizo eze-QM

Iimali-mboleko ezingezizo eze-QM zibonelela ngeenzuzo ezininzi kubaboleki:

• Ukuba bhetyebhetye: Ababoleki abanengeniso engaqhelekanga okanye iimeko zemali banokukhusela inkxaso-mali xa iimali-mboleko zemveli zisenokungakhethi.
• Imvume eKhawulezayo: Iimali-mboleko ezingezizo ze-QM zinenkqubo yokuvunywa ngokukhawuleza, evumela ababoleki ukuba bathabathe amathuba kurhwebo lwezindlu nomhlaba okhuphisanayo.
• Izisombululo eziZodwa: Ababolekisi be-non-QM banokwenza iipakethi zeemali-mboleko ezizodwa ukuze zihambelane neemeko ezithile zemali kunye neenjongo zomboleki.

Ukufumana uMboleki-mali oNgena-QM oLungileyo eCalifornia

Xa ukhangela umntu obolekisa ngemali mboleko ongeyo-QM eCalifornia, nanga amanyathelo abalulekileyo ekufuneka uwaqwalasele:

1. Uphando kunye nothelekiso

Qala ngokuphanda ababolekisi be-Non-QM eCalifornia. Khangela abo banegama eliqinileyo kunye nembali yokunikezela ngemali mboleko ye-Non-QM.

2. Funda uPhononongo

Jonga uphononongo kunye nobungqina obuvela kubaboleki bangaphambili ukulinganisa isidima somboleki kunye nokwaneliseka kwabathengi.

3. Uthethwano lweNgcali

Cinga ngokubonisana nengcali ye-mortgage eyincutshe kwiimali-mboleko ezingezizo eze-QM. Banokukukhokelela kubabolekisi ngemibandela efanelekileyo kunye nobuchule bokuhlangabezana neemfuno zakho ezizodwa.

4. Ukungafihli

Khetha umbolekisi ocace gca malunga nemigaqo-mboleko yakhe, amaxabiso, kunye neentlawulo. Kuya kufuneka uyiqonde ngokupheleleyo imiqathango yemboleko yakho ye-Non-QM.

5. Imigaqo yeMali-mboleko kunye neeRhafu

Cela iikowuti kubabolekisi abaninzi be-Non-QM ukuze uthelekise imiqathango yemali-mboleko, amazinga enzala, kunye neentlawulo. Oku kuya kukunceda ukhusele eyona mboleko inenzuzo.

Ababolekisi ngemali abangeyo-QM eCalifornia

Ukuqukumbela

Ababolekisi bemali-mboleko abangeyiyo i-QM e-California babonelela ngendlela yokuphila kubaboleki abangakulungeli ukungunda kweemali mboleko zemveli. Ezi mveliso mboleko zikhethekileyo zibonelela ngokuguquguquka, ukuvunywa ngokukhawuleza, kunye nezisombululo ezilungiselelwe. Nangona kunjalo, kubalulekile ukwenza uphando olucokisekileyo, ufune iingcebiso zengcali, kwaye ukhethe umntu obolekisa ngemali ngokungafihlisiyo kunye namagama avumayo. Ngemali-mboleko echanekileyo ye-Non-QM kunye nombolekisi, unokufezekisa iinjongo zakho zezindlu kunye nezezimali, nokuba awufikeleli iziqinisekiso ezisemgangathweni zeemali-mboleko eziqhelekileyo.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS; enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume. Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke. Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye. Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile. Tyala imali ngokufanelekileyo kumngcipheko wakho.