Xa kuziwa ekufumaneni imali-mboleko, abaninzi ababoleki banokuzifumana bengaphandle kwenkqubo yokufaneleka yeenkqubo mboleko yemveli. Kulapho ababolekisi be-Non-QM be-Mortgage bangenelela khona ukuze babonelele ngezisombululo ezizezinye, ukubonelela ngamathuba obunini-zindlu kwabo bangalufanelanga ubumba oluqhelekileyo.

Yintoni uMbolekisi we-Mortgage ongeyo-QM?

Umbolekisi we-Non-QM (i-Mortgage eNgafanelanga) ugxile ekuboneleleni ngeemali-mboleko zezindlu ezingafikeleliyo kwiinkqubo ezingqongqo ezibekwe ngamaqumrhu axhaswa ngurhulumente afana noFannie Mae noFreddie Mac. Ngelixa ababolekisi bemveli bebambelela kwizikhokelo ezithile malunga namanqaku etyala, umlinganiselo wetyala-kwingeniso, kunye nembali yengqesho, ababolekisi be-Non-QM banokuguquguquka ngakumbi ekubhaleni phantsi kwaye banokuqwalasela uluhlu olubanzi lwezinto xa bevavanya izicelo zemboleko.

Kutheni ukhetha uMboleki we-Mortgage ongeyo-QM?

1. Ukuba bhetyebhetye kukufaneleka:

• Ababolekisi be-non-QM babonelela ababoleki abasenokungakulungeli ukufumana imali-mboleko yesiqhelo ngenxa yezinto ezifana nokuzisebenzela, umvuzo ongaqhelekanga, amanqanaba aphezulu etyala, okanye imiba yekhredithi yangaphambili. Bavavanya imeko yezemali eyodwa yomfaki-sicelo ngamnye ngokupheleleyo, beqwalasela izinto ezingaphaya kwamanqaku etyala kunye nokuzinza kwengeniso.

2. IiNdlela ezizezinye zokuKhetha amaxwebhu:

• Ngokungafaniyo nababolekisi bemveli abafuna amaxwebhu abanzi ukuze baqinisekise ingeniso kunye nempahla yexabiso, ababolekisi be-non-QM babonelela ngeendlela ezizezinye zamaxwebhu. Ababoleki abanemithombo yengeniso engeyiyo eyemveli okanye iimeko ezinzima zemali banokubonelela ngeengxelo zebhanki, ukuchithwa kwe-asethi, okanye ezinye iindlela zamaxwebhu ukuxhasa isicelo sabo semali mboleko.

3. IiNkqubo Ezandisiweyo zeMali-mboleko:

• Ababolekisi be-non-QM banikezela ngeenkqubo mboleko ezahlukeneyo ezilungiselelwe iimfuno zababoleki abohlukeneyo. Oku kunokubandakanya imali-mboleko yemali-mboleko kuphela, imali-mboleko esekelwe kwi-asethi, iinkqubo zeengxelo zebhanki, iimali mboleko zamazwe angaphandle, nokunye. Olu khetho lwemali-mboleko eguquguqukayo luxhobisa ababoleki ukuba bafumane imali-mboleko ehambelana neenjongo zabo zemali ezizodwa kunye neemeko.

4. Inkqubo yokuVuma ngokukhawuleza:

• Iimali-mboleko ezingezizo ze-QM zihlala zilungelelanisa iinkqubo zokubhala phantsi xa kuthelekiswa nezindlu zokubambisa zemveli, okukhokelela kumaxesha okuvunywa ngokukhawuleza. Oku kunokuba luncedo ngakumbi kubaboleki abafuna ukukhusela imali ngokukhawuleza okanye abanokuthi badibane nokulibaziseka okanye ukwaliwa ngababolekisi bemveli.

5. Amaxabiso kunye neMiqathango yoKhuphiswano:

• Ngaphandle kokubonelela ababoleki ngeeprofayili ezingezizo ezemveli, ababolekisi be-non-QM babonelela ngenzala ekhuphisanayo kunye nemigaqo. Ngokusebenzisa ukuguquguquka kwabo ekubhaleni phantsi, banokuqulunqa iimali-mboleko ezihlangabezana neemfuno zababoleki ngelixa benciphisa umngcipheko kubatyali-mali.

Ukuqukumbela

Ukuqukumbela, abaBoleki-mali be-QM badlala indima ebalulekileyo ekwandiseni ufikelelo kubunini-zindlu ngokunika ezinye izisombululo zenkxaso-mali kubaboleki abangakulungelanga ukuboleka imali yemveli. Ngokuguquguquka kwabo ekubhaleni phantsi, iinkqubo ezahlukeneyo zemali-mboleko, kunye nokuzinikela ekuxhobiseni ababoleki ngeemeko ezizodwa zezimali, ababolekisi be-Non-QM babonelela ngendlela yobunini-zindlu obunokuthi ngenye indlela ifikeleleke. Ukuba uzifumana ungaphandle kwenkqubo yokufaneleka yenkqubo yemali-mboleko yesiqhelo, ukujonga izinto onokukhetha kuzo nombolekisi ongeyo-QM kunokuba ngundoqo ekufezekiseni amaphupha akho okuba nendlu.

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.