Ukuvula i-CPA P&L Financing ye-Non-Warranty Condos nge-AAA Lendings

Kwilizwe elintsonkothileyo lemakethi ye-mortgage yase-US, ukuxhaswa ngemali kwee-condos ezingenakuqinisekiswa kunokuba yinto enzima ukuyifumana.I-CRAck. Nangona kunjalo, ukuboleka kwe-AAA kuvela njengeqabane elithembekileyo, ngakumbi xa kufikwa kwinkxaso-mali ye-CPA P&L yezakhiwo ezinjalo.

I-AAA Lendings inerekhodi enomtsalane, engaphezulu kweminyaka eli-15 yamava kushishino lokubolekisa ngemali. Baye bakhupha isixa-mali semali-mboleko edlula i-20 yeebhiliyoni zeerandi, benceda iintsapho ezingaphezu kwama-50,000. Ubungcali babo kwimali-mboleko ye-Non - QM ibabeka kakuhle ukuba bajongane nemiceli mngeni eyodwa yokuxhasa ngezimali ii-condos ezingafumanekiyo.

Enye yezinto ezibalaseleyo kukubhala kwabo okuguquguqukayo. Xa abanye ababolekisi benokuthi "Hayi", i-AAA yokuboleka imali inokufumana indlela yokuthi "Ewe". Kwinkxaso-mali ye-CPA ye-P&L, oku bhetyebhetye kuthetha ukuba ababoleki abaneemeko zengeniso ezintsonkothileyo, ezihlala zixhaphakile phakathi kwabanini-condo abangenawo waranti, banethuba elingcono lokuvunywa. Endaweni yokuxhomekeka kuphela kwimbuyekezo yerhafu yemveli, bayayamkela iP&L elungiselelwe bona, besenza isiqinisekiso sibe pro.EZIs ifikeleleka ngakumbi.

Isantya sokuvala yenye inzuzo. Ngokwe-avareji, iimali-mboleko zivaliwe kwiiveki ezi-3, into ebalulekileyo xa ujongene nentengiselwano ye-real estate. Olu tshintsho lukhawulezayo lunokunika abathengi be-condo umda wokukhuphisana kwimarike.

Ngaphezu koko, i-AAA Lendings ibonelela ngexabiso lokukhuphisana. Ukufumana imali-mboleko efanelekileyo ngexabiso elifikelelekayo sisiseko samava aphumeleleyo okubambisa. Inkonzo yabo yobuqu iqinisekisa ukuba zonke iimfuno zomboleki ziyafezekiswa, nto leyo eyenza ukuba akukho mali-mboleko ibonakale ingenakwenzeka.

Ngokomzekelo, abathengi abaninzi baye babelana ngamava abo amnandi. Abanye baye bahlaziya amaxesha amaninzi nge-AAA Lendings, besonwabela iinkqubo zobuchwephesha kunye nezilungelelanisiweyo. Iiarhente ezifana noLeo Li kunye noJudy baye bafumana indumiso ephezulu ngokuzinikezela kwabo kunye noxanduva ngexesha lenkqubo yemboleko.

Ukuqukumbela, ukuba ufuna inkxaso-mali ye-CPA ye-P&L yee-non-warrantyable condos, i-AAA Lendings ngumbolekisi ofanele ukuqwalaselwa. Amava abo, ukuguquguquka, isantya, kunye nenkonzo yabathengi ibenza babe lolona khetho luphezulu kwimarike ye-mortgage yase-US.