Vula ikhaya lamaphupha akho ngeNkqubo yethu yeMali-mboleko efanelekileyo

Kwihlabathi elintsonkothileyo le-real estate financing e-US, ukufumana inkqubo yemboleko efanelekileyo kunokuba ngumsebenzi onzima. Kodwa ungakhathazeki! Ukubolekwa kwe-AAA kubonisa iPrayimari, uTyalo-mali, kunyeIkhaya lesi-2Inkqubo yeMali-mboleko efanelekileyo, eyilelwe ukuhlangabezana neemfuno ezahlukeneyo zobunini-zindlu.

Kwabo bajonga indawo yokuhlala ephambili, inkqubo yethu ibonelela ngesicelo esingenamthungoEZIs. Siyaqonda ukuba ukuthenga ikhaya lokuqala linyathelo elibalulekileyo, kwaye silapha ukuze senze ukuba yenzeke. Ngombhalo wethu wangaphantsi obhetyebhetye, nokuba ukhe wajongana nemiceli mngeni kwixesha elidlulileyo, sinokuthi "Ewe" xa abanye besithi "Hayi". Oku kuyinyani ngakumbi kubafaki-zicelo abaneengxelo ezizilungiseleleyo zeP&L, apho singayifuniyo imbuyekezo yerhafu, sibonelela ngendlela efanelekileyo yobunini-khaya.

Abatyali-mali, kwelinye icala, banokuthatha ithuba lemali mboleko yethu ye-DSCR (Debt Service Coverage Ratio). Umvuzo wokurenta unokukufanelekela ezi mboleko, oko kukwenza ukuba wandise ipotfoliyo yakho yezindlu nezindlu. Nokuba ujonge ukuthenga indawo entsha yokurenta okanye uhlawule ngokutsha esele ikho, inkqubo yethu ibonelela ngamaxabiso akhuphisanayo. Oku kukuvumela ukuba wandise imbuyekezo yakho kwaye wakhe ubutyebi ngokusebenzisa utyalo-mali lwezindlu nezindlu.

Ukuphupha ikhaya lesibini? Mhlawumbi yindlu epholileyo yaselwandle okanye indawo yokubuyela entabeni? Inkqubo yethu ye-2nd efanelekileyo yokuboleka imali yenza ukuba kwenzeke. Ngenkqubo yokuvala ngokukhawuleza, ngokomndilili kwiiveki ezi-3, unokuguqula ngokukhawuleza iphupha lakho libe yinyani. Iqela lethu libonelela ngenkonzo eyenzelwe wena, ikukhokela kuwo onke amanqanaba endlela. Baza kuphendula yonke imibuzo yakho kwaye baqinisekise intengiselwano egudileyo.

Kule minyaka ili-15 idlulileyo, i-AAA Lendings ikhuphe ngaphezulu kwe-20 yeebhiliyoni zeerandi kwimali-mboleko, ixhasa ngaphezu kwe-50,000 yeentsapho. Imbali yethu ende kunye namava amaninzi kwindawo ye-Non-QM yemali-mboleko isinika ubuchule bokusingatha iimeko ezahlukeneyo zemboleko. Ubungqina obuvela kubathengi bethu abonelisekileyo buthetha kakhulu malunga nomgangatho wenkonzo yethu. Bakuncomile ukukwazi kwethu ukuvala iimali-mboleko ngokukhawuleza kwaye babonelele ngamaxabiso akhuphisanayo.

Ukuqukumbela, nokuba ujonge indawo yokuhlala esisiseko, ujonge ukutyala imali, okanye ulangazelela ikhaya lesibini, i-AAA Lendings' Primary, uTyalo-mali, kunye neNkqubo yesi-2 yeMali-mboleko eLungileyo sisitshixo sakho kwimpumelelo. Musa ukuvumela inkxaso-mali ikubambezele. Faka isicelo ngoku kwaye uthathe inyathelo lokuqala ukuya kwiinjongo zakho ze-real estate.