Ukujonga iLizwe leeMali-mboleko ezingezizo ze-QM ngokulula

Kwimeko ehlala iguquka yemali yezindlu nezindlu, iimali-mboleko ze-Non-QM (i-Mortgage eNgafanelanga) zivela njengesisombululo esiguqukayo sababoleki abangalufanelanga ubumbano lwemveli lokuboleka.Esi sikhokelo sibanzi sijolise ekunciphiseni ummandla weemali-mboleko ze-Non-QM, ebonisa indlela ezi zixhobo zemali ezinokufikeleleka ngayo kwaye zingabinzima kwabo bafuna iindlela ezizezinye zokubambisa.

Ukuqonda iiMali-mboleko ezingezizo ezeQM

Iimali-mboleko ezingezizo eze-QM zivala umsantsa obalulekileyo kwimarike yemali-mboleko ngokulungiselela abantu abaneeprofayili ezizodwa zemali ezinokungafikeleli imilinganiselo engqongqo ye-Qualified Mortgages.Ngokungafaniyo nemali-mboleko yemveli, imali-mboleko ye-Non-QM ithatha indlela ebhetyebhetye ngakumbi yokubhala phantsi, kuthathelwa ingqalelo uluhlu olubanzi lwezinto ezingaphaya komvuzo oqhelekileyo kunye neemetrics zetyala.

Iimpawu eziphambili zeeMali-mboleko ezingezizo eze-QM zenziwe zalula

1. Inkqubo yeSicelo esiLundisiweyo:
   • Amagqabantshintshi: Iimali-mboleko ezingezizo eze-QM zenziwe zabeka phambili ngokulula inkqubo yesicelo eyenziwe lula, ukunciphisa umthwalo wamaxwebhu ngokwesithethe onxulunyaniswa nezicelo zokubambisa.
   • Impembelelo: Ababoleki bafumana inkqubo ekhawulezayo nesebenzayo yokuvunywa, ukwenza ukuba imali yezindlu nomhlaba ifikeleleke ngakumbi.
2. Iinqobo zokubhala phantsi eziguquguqukayo:
   • Amagqabantshintshi: Ezi mboleko zibandakanya indlela yokubhala phantsi ebhetyebhetye, eqwalasela imiba efana nengxelo yebhanki, ingeniso esekwe kwii-asethi, okanye imithombo yengeniso engaqhelekanga.
   • Impembelelo: Ababoleki abanengeniso engaqhelekanga okanye abo bangafikeleliyo kwiinkqubo zengqesho zemveli banokufumana izisombululo zenkxaso-mali esebenzayo.
3. ImiGaqo ecacileyo neNgafihliyo:
   • Ushwankathelo: Iimali-mboleko ezingezizo ze-QM zenziwe zalula ukugxininisa imiqathango ecacileyo necacileyo, ukuqinisekisa ukuba ababoleki baziqonda ngokupheleleyo iimeko kunye neemfuno zemboleko.
   • Impembelelo: Ababoleki banokwenza izigqibo ezinolwazi, banciphise umngcipheko wemingeni engalindelekanga ngexesha lemali-mboleko.

Izibonelelo kunye nokuqwalaselwa kwababoleki

1. Ukufikelela kwiNkxaso-mali yeeMeko ezohlukeneyo:
   • I-advanteji: Iimali-mboleko ezingezizo eze-QM zenze lula ukuvula iingcango kubaboleki abajongene neemeko ezizodwa, ezinje ngokuzisebenzela, izehlo zetyala zakutsha nje, okanye ingeniso entsonkothileyo.
   • Ukuqwalaselwa: Ababoleki kufuneka baphonononge iintlobo ngeentlobo zeemveliso zemboleko ezingezizo ze-QM ukuze zihambelane neemfuno zabo zemali.
2. Imvume eKhawulezayo kunye neNkxaso-mali:
   • I-advanteji: Ubume obulungelelanisiweyo benkqubo yesicelo buququzelela ukuvunywa ngokukhawuleza kunye nenkxaso-mali, ivumela ababoleki ukuba bathabathe amathuba ngexesha elifanelekileyo lezindlu nomhlaba.
   • Ukuqwalaselwa: Ababoleki kufuneka balungiselelwe kunye namaxwebhu ayimfuneko ukukhawulezisa inkqubo yokuvunywa.
3. Izisombululo ezilungiselelweyo zeemeko zokuboleka ezintsonkothileyo:
   • I-advanteji: Iimali-mboleko ezingezizo eze-QM zibonelela ngezisombululo ezilungiselelwe iimeko ezintsonkothileyo, kubandakanywa abatyali-mali bepropathi, abo banezakhiwo ezininzi, okanye abantu abaneengxaki zemali ezizodwa.
   • Uqwalaselo: Ababoleki kufuneka basebenze ngokusondeleyo nababolekisi ukuze balungelelanise iziseko zemboleko ezihambelana neenjongo zabo zemali.

Ukuqwalaselwa kwababoleki

1. ULungiselelo lwamaxwebhu ngokucokisekileyo:
   • Ingcebiso: Ngelixa iimali-mboleko ezingezizo eze-QM ziyenza lula inkqubo yokubhalwa kwamaxwebhu, ababoleki kusafuneka baqinisekise ukuba banamaxwebhu apheleleyo nachanekileyo alungele ukuphononongwa.
2. Uthethwano neeNgcali ze-Mortgage:
   • Ingcebiso: Ukufuna isikhokelo kwiingcali zokwenza imali-mboleko abanamava ekubolekeni kwe-Non-QM kunokubonelela ngolwazi oluxabisekileyo kwiindlela ezifanelekileyo mboleko kunye nemigaqo.
3. UCwangciso lwezeMali lweXesha elide:
   • Ingcebiso: Ababoleki kufuneka baqwalasele iinjongo zabo zezimali zexesha elide xa bekhetha iimali-mboleko ezingezizo ze-QM, baqinisekise ukuba inkxaso-mali ekhethiweyo ihambelana nesicwangciso sabo sonke.

Ukujonga iNkqubo yeSicelo

1. Nxibelelana nabaBolekisi abaKhethekileyo:
   • Isikhokelo: Funa ababolekisi abaziingcali kwiimali-mboleko ze-Non-QM ezenziwe lula, njengoko kunokwenzeka ukuba zibe neenkqubo ezilungelelanisiweyo kunye nokuqonda okunzulu kweeprofayili zomboleki ezingezizo ezemveli.
2. Unxibelelwano oluvulekileyo nabaBoleki:
   • Isikhokelo: Gcina unxibelelwano oluvulekileyo noluselubala kunye nababolekisi ngemali kuyo yonke inkqubo yesicelo ukujongana nayo nayiphi na imibuzo okanye iinkxalabo ngokukhawuleza.
3. Ukuphonononga iMigaqo yeMali-mboleko ngocoselelo:
   • Isikhokelo: Thatha ixesha lokuphonononga ngokucokisekileyo yonke imiba yemigaqo-mboleko, ufuna ingcaciso kuwo nawaphi na amanqaku anokungacacanga ukuqinisekisa ukuba isigqibo esiqinisekileyo nesinolwazi.

Ukuqukumbela: Ukuxhobisa ababoleki kwiMali yeReal Estate

Iimali-mboleko ezingezizo eze-QM ezenziwe zalula zimela indlela yoguqulo lwemali yezindlu nezindlu, ebonelela ngendlela yokuphila kubaboleki abaneemvelaphi zemali ezahlukeneyo.Ngokwenza lula inkqubo yesicelo, ukwamkela imigaqo eguquguqukayo, kunye nokubeka phambili imimiselo ecacileyo, iimali-mboleko ezingezizo ze-QM zixhobisa ababoleki ukuba bahambe kwimarike yokuthengisa izindlu ngokuzithemba.Njengoko ababoleki bephonononga amathuba okufumana inkxaso-mali ye-Non-QM, ukulungelelaniswa nababolekisi-mali abakhethekileyo kunye nokubonisana neengcali ezinamava kuqinisekisa uhambo olungenamagingxi-gingxi nonolwazi olusingise ekuphumezeni iinjongo zabo zobunini-zindlu kunye notyalo-mali.