Ukuqonda iiNzuzo zeeMali-mboleko ezingezizo ze-QM kubaTyali-mali

Kwimarike yendawo yokuhlala ehlala iguquka, iimali-mboleko ze-Non-Q ziye zavela njengokhetho olusebenzayo kubatyali-mali abafuna ukudibanisa iipotfoliyo zabo. Umtyali-zimali we-A-QM unokusebenzisa ezi mboleko ukuze akhusele iipropathi ezinokuthi zingangeni kwiikhrayitheriya zokubolekisa ngemali. Kweli nqaku, siza kuphonononga izibonelelo zeemali-mboleko ze-NonM kubatyali-mali kunye nokuba ezi mboleko zinokutshintsha njani umdlalo kwi-real estate.utyalo-maliimbonakalo-mhlaba.

Yintoni naImali-mboleko engeyiyo Qm?

Imali-mboleko ye-Non-QM, okanye i-Mortgage engavumelekanga, luhlobo lwemboleko olungahambelani nezikhokelo ezisemgangathweni ezibekwe yi-Consumer Financial Protection Bureau (CFPB). Ezi zikhokelo, ezibizwa ngokuba yi-Qualified Mortgage (QM) imithetho, yasungulwa ukuze kuqinisekiswe ukuba ababoleki banakho ukukwazi ukubuyisela imali yabo mboleko. Nangona kunjalo, iimali-mboleko ezingezizo ze-QM zibonelela ngokuguquguquka ngakumbi, zizenza zibe lukhetho olunomtsalane aUMtyali-mali ongeyo-Qm.

Izibonelelo zeeMali-mboleko ezingezizo ze-QM kubaTyali-mali

1. Iikhrayitheriya zoMgangatho weMfaneleko

   • Enye yeenzuzo eziphambili zomtyali-mali ongeyo-QM yinkqubo yokufaneleka ebhetyebhetye. Ngokungafaniyo nemali-mboleko yesintu, imali-mboleko ye-Non-QM iqwalasela iindlela ezizezinye zokuqinisekisa ingeniso, njengeziteyitimenti zebhanki, ukusetyenziswa kwe-asethi, kunye nomvuzo wokurenta. Oku kuguquguquka kuvumela abatyali-mali abanemithombo yengeniso engaqhelekanga ukuba bafanelekele ukubolekwa imali.

2. Imida yeMali-mboleko ePhakamileyo

   • Iimali-mboleko ezingezizo eze-QM zihlala ziza nemida yemali-mboleko ephezulu xa kuthelekiswa nemali-mboleko eqhelekileyo. Oku kuluncedo ngakumbi kumtyali-mali ongeyo-QM ejonge ukuthenga iipropati zexabiso eliphezulu okanye iipropati ezininzi zotyalo-mali. Ukukwazi ukukhusela iimali-mboleko ezinkulu kunokwandisa kakhulu amandla okuthenga omtyali-zimali.

3. Customizable Loan Terms

   • Iimali-mboleko ezingezizo eze-QM zibonelela ngemigaqo-mboleko enokwenziwa ngokwezifiso enokuthi ilungiselelwe ukuhlangabezana neemfuno ezithile zomtyali-mali ongeyo-QM. Nokuba yintlawulo yenzala kuphela, imilinganiselo yemali-mboleko ehlengahlengiswayo, okanye ixesha lemali-mboleko, abatyali-zimali banokukhetha isakhiwo esilungelelaniswa nobuchule babo botyalo-mali.

4. Inkqubo yokuVuma ngokukhawuleza

   • Inkqubo yokuvunywa kweemali-mboleko ezingezizo eze-QM idla ngokukhawuleza kunemali mboleko yesintu. Kumtyali-mali ongeyo-QM, oku kuthetha ukukwazi ukuthatha amathuba otyalo-mali ngokukhawuleza ngaphandle kolibaziseko olude oluhlala lunxulunyaniswa nolwamkelo lwemali-mboleko eqhelekileyo. Esi santya sinokubaluleka kukhuphiswano lweemarike zezindlu.

5. Ukwahluka kwePotfoliyo yoTyalo-mali

   • Ngokusebenzisa iimali-mboleko ezingezizo eze-QM, umtyali-mali ongeyo-QM unokwahlula ipotifoliyo yakhe yotyalo-mali. Ezi mboleko zingasetyenziselwa ukuxhasa ngezimali iintlobo ngeentlobo zepropathi, ezibandakanya iindawo zokuhlala, zorhwebo, kunye nezakhiwo ezixubeneyo. Ukwahluka kunokunceda ukunciphisa umngcipheko kunye nokwandisa imbuyekezo enokubakho.

Ukuqukumbela

Iimali-mboleko ezingezizo eze-QM zibonelela ngendlela eyodwa neguquguqukayo yenkxaso-mali kubatyali-mali abafuna ukwandisa iipotfoliyo zabo zezindlu. Kumtyali-mali ongeyo-QM, izibonelelo zibandakanya iindlela zokufaneleka ezibhetyebhetye, imida ephezulu yemali-mboleko, imiqathango yemali-mboleko enokwenziwa ngokwezifiso, inkqubo yokuvunywa ngokukhawuleza, kunye nokukwazi ukwahlula utyalo-mali. Ngokuqonda kunye nokusebenzisa ezi nzuzo, abatyali-mali banokuvula amathuba amatsha kwaye bafezekise impumelelo enkulu kwimarike yezindlu.