Ukungafumani Msebenzi akukho Mboleko-mali woMvuzo wokuHlala okuPrayimari ngokuBoleka kwe-AAA

Kwimeko entsonkothileyo yemarike ye-mortgage yase-US, ukufuna aakukho msebenziAkukho Mvuzo yeMali-mboleko yeNdawo yokuhlala yaseprayimari inokubonakala isoyikisa. Nangona kunjalo, i-AAA Lendings ivela njengeqabane elithembekileyo, inika izisombululo ezilungiselelwe ukuhlangabezana nale mfuno ikhethekileyo.

AAAIimali-mbolekounerekhodi ephawulekayo, eqhayisa ngaphezu kweminyaka eyi-15 yamava kushishino lokuboleka imali. Ngembuyekezo yemali-mboleko epheleleyo engaphezulu kwe-20 yeebhiliyoni zeerandi kwaye sele incede ngaphezulu kwe-50,000 yeentsapho, ubuchule babo bumiselwe ngokuqinileyo. Ubukho bawo ngokubanzi, asebenza kumaphondo angama-46 nakwiSithili saseColumbia, bungqina ngakumbi ukufikelela kwawo ngokubanzi kunye nobuchule bawo.

Olunye lweempawu ezibalaseleyo ze-AAA yokuBoleka imali lukhetho lwe-Self Prepared P&L, eyona nto ibalulekileyo kwabo bafuna iMali-mboleko yokungaSebenzisi. Olu khetho luvumela ababoleki ukuba bafanelekele ukubolekwa imali ngaphandle kwesidingo sokubonelela ngembuyekezo yerhafu. Kubantu abangenawo umsebenzi wesintu okanye umvuzo ozinzileyo, oku kuguquguquka kunokutshintsha umdlalo. Ibenza bakwazi ukuveza imeko yabo yezemali ngendlela ebonisa ukukwazi kwabo ukuhlawula imali-mboleko, ngokusekelwe kwiingxelo zabo zengeniso nelahleko abazilungiseleleyo.

Enye imveliso efanelekileyo yimali mboleko ye-DSCR. Ingeniso yerenti ingasetyenziselwa ukulungela le mboleko, nto leyo eluncedo kakhulu kubaboleki abasenokungabi nangeniso yesiqhelo yomsebenzi kodwa baneendawo zokurenta. Ngokusebenzisa ingeniso kwezi renti, banokufumana imali-mboleko yendawo yabo yokuhlala ephambili, benze ubunini bezindlu bube yinyani.

Inketho ye-HELOC enikezelwa yi-AAA Lendings nayo iza nento ekhangayo - akukho sohlwayo esihlawulwa kwangaphambili. Oku kuthetha ukuba ababoleki banenkululeko yokubuyisela imali abayibolekiweyo phambi kwexesha ngaphandle kokuba bafune imali eyongezelelweyo, nto leyo ebenza babe bhetyebhetye ngokwezimali.

Inkqubo yokubhala phantsi kwi-AAA Lendings iyaziwa ngokuguquguquka kwayo. Ngelixa abanye ababolekisi benokwala abafaki-zicelo ngaphandle komsebenzi wemveli kunye nomvuzo, i-AAA Lendings ivuleleke ngakumbi engqondweni. Bajonga ngaphaya kweemfuno eziqhelekileyo kwaye baqwalasele izinto ezahlukeneyo ukwenza isigqibo sokuboleka imali. Le ndlela inika ithemba kwabo bebekhe bakhatywa ngaphambili ngabanye ababolekisi.

Ngaphezu koko, inkqubo yokuvala ikhawuleza ngokumangalisayo, kunye nexesha eliphakathi kwiiveki ezi-3. Olu tshintsho lukhawulezayo luluncedo olukhulu, ngakumbi xa ababoleki bengxamele ukufumana imali-mboleko yendawo yabo yokuqala yokuhlala. Ubungqina bomthengi buqinisekisa ngakumbi inkonzo yabo ebalaseleyo. Abathengi bancome iqela ngobuchwephesha balo, amazinga okhuphiswano, kunye nokukwazi ukuvala imali-mboleko ngexesha elibekiweyo.
Ukuqukumbela, ukuba ukhangela uMsebenzi ongenaMvuzo weMali-mboleko yeNdawo yokuhlala yasePrayimari, i-AAA yokuboleka imali ngumbolekisi ofanele ukuqwalaselwa. Iintlobo ngeentlobo zeemveliso zemboleko-mali, ukubhala phantsi okubhetyebhetye, kunye namaxesha okuvalwa ngokukhawuleza abenza ukuba babe lolona khetho luphezulu kwimakethi ye-mortgage yase-US.