Ukuvula ubunini-zindlu: iiNgxowa-mali zeZipho kwi-AAA yokuBoleka kweMali-mboleko yeMisebenzi

Iphupha laseMelika lobunini bezindlu lihlala libonakala lingafikeleleki kwabo bangenamsebenzi ozinzileyo. Kodwa i-AAA Lendings, umbolekisi othe ngqo kwi-mortgage engaphezulu kweminyaka eli-15 yamava, iyayitshintsha ibali kunye nayo.akukho msebenziInkqubo yeMali-mboleko eyamkela imali yesipho.

Omnye weyona miqobo ibalulekileyo kubantu abangaphangeliyo ekufumaneni imali-mboleko yendlu kukungabikho kwengeniso engaguqukiyo. Ngokuvumela imali yesipho, i-AAA Lendings ivala lo msantsa. Ababoleki banokufumana izipho zemali kwizalamane okanye kubahlobo, ezinokuthi zisetyenziswe kwintlawulo ephantsi okanye ezinye iindleko ezinxulumene ne-mortgage. Oku akupheleli nje ekunciphiseni umthwalo wemali kodwa kukwabangela ukuba ubuninimzi bube lusukelo olusengqiqweni.
Ukuzibophelela kwe-AAA yokuBoleka izinto ezintsha kunye nokwaneliseka kwabathengi kubonakala kwiipotfoliyo zayo ezahlukeneyo zemali-mboleko. Ecaleni kweNkqubo yeMali-mboleko yoMsebenzi, banikezela ngeminye imveliso eyahlukeneyo njengemali-mboleko yeNkcazo yeBhanki, apho kungekho ntlawulo yerhafu ifunekayo, kunye ne-HELOC ngaphandle kwesohlwayo esihlawulwa ngaphambili. Ezi zikhetho zibonelela ngokuguquguquka kunye nokubonelela ngeemeko ezahlukeneyo zemaliEZI, okwenza kube lula kuluhlu olubanzi lwababoleki ukufikelela kwimali mboleko yezindlu.

Impumelelo yenkampani ithetha lukhulu ngokuthembeka kwayo. Ngaphezulu kwe-60,000 yeentsapho ezixhasiweyo kunye ne-2 yeebhiliyoni zeerandi kwiimali-mboleko ezivaliweyo ngo-2021, i-AAA Lendings izimise njengenkokeli kushishino. Amaxesha abo okuvala ngokukhawuleza, i-avareji kwiiveki ezi-3, iqinisekisa inkqubo engenamthungo nesebenzayo kubaboleki.
Abathengi abananto ngaphandle kwendumiso ye-AAA yokuBoleka. Abaninzi baye babelana ngamava abo amnandi, begqamisa inkonzo yobuchwephesha kunye nelungelelanisiweyo. Iiarhente ezifana noLeo Li kunye noJudy baye banconywa ngokuzinikezela kunye noxanduva lwabo ngexesha lenkqubo yemboleko.

Kwimalike ye-mortgage yase-US, iNkqubo yeMali-mboleko yoMsebenzi kunye nokwamkelwa kwemali yesipho yi-AAA Lendings igqama njengebhakana yethemba kwabangasebenziyo. Inika ithuba lokukhululeka kwimida yobume bengqesho kwaye uqalise uhambo oluya kubuninimzi. Nokuba usandul' ukuthweswa isidanga, phakathi kwemisebenzi, okanye ujongene neminye imiceli mngeni yengqesho, unganikezeli kwiphupha lakho lokuba nekhaya. Qhagamshelana ne-AAA yokuBoleka kwaye ujonge amathuba okuba iNkqubo yeMali-mboleko yeMisebenzi eneemali zesipho inokukunika.