Izinto eziluncedo zokungabuyiswa kweRhafu efunekayo kwiNkqubo yeMali-mboleko ye-P&L

Kwindawo yokubolekwa kwe-mortgage yase-US, iNomboloUkuBuyiswa kweRhafus IFunwe kwiNkqubo yeMali-mboleko ye-P&L enikezelwa yiWholesale ye-AAA yokuBoleka lukhetho lwenguqu. Le nkqubo yenzelwe ngokukodwa ukubonelela ababoleki abajongene nobunzima ekuboneleleni ngamaxwebhu emveli okubuyiswa kwerhafu.

Olona ncedo lubalulekileyo lwale nkqubo yemali-mboleko kukuguquguquka kwayo. Kubantu abaninzi abaziqeshileyo, abanini bamashishini amancinci, okanye abo banengeniso emuncuEZI, ukuqokelela nokwazisa iingxelo zerhafu kunokuba yinkqubo enzima netya ixesha. Ngale nkqubo, banokuwugqitha lo mqobo. Endaweni yoko, umbolekisi ugxininisa kwiNzuzo kunye neLahleko (P&L) ingxelo. Ingxelo ye-P & L elungiselelwe kakuhle inokubonelela ngomfanekiso ocacileyo wengeniso yomboleki - amandla okuvelisa, eyona nto ibalulekileyo ekuqinisekiseni ukufaneleka kwemboleko.

I-Wholesale AAA Lendings inegama elisekiweyo kwishishini le- mortgage. Amava abo amakhulu abavumela ukuba bahlole imeko yezemali yomboleki ngokuchanekileyo nangaphandle kweembuyekezo zerhafu. Baneqela leengcaphephe ezikwazi kakuhle ukuhlalutya iinkcazo ze-P&L. Oku kuthetha ukuba ababoleki banokulindela uvavanyo olufanelekileyo nolusebenzayo lwezicelo zabo mboleko.
Ngaphezu koko, inkqubo yokuvunywa kwemali-mboleko yale nkqubo ikhawuleza noko. Kuba umbolekisi akufuneki alinde ababoleki ukuba baqokelele amaxwebhu okubuyisela irhafu okanye bachithe ixesha bewaqinisekisa, ixesha lokucubungula liyancipha. Olu luncedo olukhulu kwabo bafuna ukuvala imali-mboleko ngokukhawuleza, mhlawumbi ngenxa yexesha - ukuthengwa kwepropathi enovakalelo okanye ithuba lokubuyisela imali.

I-Nox Returns Requirements kwiNkqubo yeMali-mboleko ye-P&L ikwavula amathuba kubaboleki abasenokuba banemiba yokufaka irhafu kwixesha elidlulileyo. Ayibohlwayi ngerhafu yexesha elidlulileyo - iingxaki ezinxulumene noko kodwa ijonga amandla abo emali ngoku ukubuyisela imali-mboleko. Le ndlela ibandakanyayo yenza ukuba kubekho uluhlu olubanzi lwabantu ngabanye ukuba bafezekise amaphupha abo okuba ngabaninimzi.