12/05/2023

Intshayelelo

Ukuthenga ikhaya okokuqala kunokuba yinto enomdla kodwa eyoyikisayo, ngakumbi xa kuziwa ekuhambeni kwihlabathi elinzima lezemali.Iimali zokubambisa zemveli zihlala zifuna imbali eyomeleleyo yetyala, enokuba ngumceli mngeni kubathengi abatsha ukuseka.Nangona kunjalo, ubusazi ukuba kukho enye indlela yenkxaso-mali enokunceda ukuvala esi sikhewu-isiteyithimenti sebhankimboleko?Ezi mveliso zintsha zivumela ababolekisi ukuba bahlole ukufaneleka kwakho ngetyala ngokusekelwe kwiisiteyitimenti zakho zebhanki, zibonelela ngokufikeleleka okukhulu kwabo bafuna ukuba ngabaninimzi abafana nawe.Kweli nqaku, siza kujongana neyona mibuzo icinezelayo malunga nemali mboleko yebhanki kwaye sikukhokele kwinkqubo inyathelo nenyathelo.

Umbuzo: Yintoni kanye kanye imali-mboleko yebhanki?

A: Aisiteyithimenti sebhankimboleko, ekwaziwa ngokuba yimali-mboleko esekwe kwi-asethi, luhlobo lwemali-mboleko engeyiyo eyemveli exhomekeke kwii-asethi zakho (ezifana nee-akhawunti zebhanki, utyalo-mali, okanye ingeniso yeshishini) ukumisela ukufaneleka kwakho ngetyala.Endaweni yokugxila kuphela kumanqaku akho etyala, ababolekisi bajonga imbali yakho yezemali etyhilwe kwiisiteyitimenti zakho zebhanki ukuvavanya amandla akho okubuyisela imali-mboleko.

Umbuzo: Kutheni iibhanki zibonelela ngeemali-mboleko zengxelo yebhanki?

A: Iibhanki ziyaqonda ukuba ayinguye wonke umntu onembali eqinileyo yetyala, ngakumbi abo batsha kwimarike yezindlu.Ngokusebenzisa iziteyitimenti zebhanki njengeyona nto imiselayo, ababolekisi banokuboleka imali kubantu abasenokungakwazi ukufumana inkxaso-mali.Le ndlela yenza ukuba abafaki-zicelo abahlukeneyo bathathe inxaxheba kwinkqubo yokuthenga amakhaya.

Umbuzo: Ngubani ofanelekileyo kwimali-mboleko yengxelo yebhanki?

A: Abathengi bokuqala basekhaya, iingcali eziziqeshileyo, oosomashishini, abazimeleyo, kunye nabanye abanembali enyiniweyo yetyala lemveli banokuxhamlaisiteyithimenti sebhankimboleko.Ababolekisi baya kuvavanya iimali zakho ngokusekelwe kwizinto ezifana nomvuzo ongaguqukiyo, iindleko ezilawulwayo, amanqanaba aphantsi amatyala, kunye nobungqina beendlela zokulondoloza.Nokuba inqaku lakho letyala lilungile okanye lihlwempuzekile, usenako ukuba ubonakalise iindlela zolawulo lwemali ezizinzileyo ngeziteyitimenti zakho zebhanki.

Umgca woRhwebo

Umbuzo: Yintoni umgca woRhwebo?

Impendulo: Umgca wokurhweba yirekhodi nganye yekhredithi kwingxelo yetyala lomntu okanye yenkampani.Ezi rekhodi zibonelela ngeenkcukacha ezithe vetshe kuquka nemihla yokuvula, imida yetyala okanye iimali-mboleko, iibhalansi ze-akhawunti, kunye nembali yentlawulo.Imigca yorhwebo inceda amaziko entengo yemboleko ukuba alinganise umngcipheko wetyala lomntu okanye wenkampani.

Umbuzo: Yintoni iMali-mboleko yeNkcazo yeBhanki?

Impendulo: Amboleko yengxelo yebhankiluhlobo lwemali-mboleko engeyiyo eyemveli, maxa wambi ebizwa ngokuba “yimali-mboleko engekho-doc”.Ifumana igama kuba ivumela ababoleki abangakwaziyo ukubonisa amaxwebhu afunekayo asemgangathweni (njengeefomu zerhafu), njengabantu abazisebenzelayo okanye iikontraki ezizimeleyo, ukuba basebenzise iziteyitimenti zabo zebhanki njengobungqina bengeniso ukuze bafumane imali-mboleko.

Umbuzo: Zinxulumana njani iiNdlela zoRhwebo kunye neeMali-mboleko zeNgxelo yeBhanki?

Impendulo: Ngexesha lenkqubo yesicelo semali-mboleko (kubandakanywaisiteyithimenti sebhankiiimali-mboleko), amaziko abolekisa ngemali angajonga ingxelo yekhredithi yomfaki-sicelo, ebandakanya imigca yorhwebo, ukuze kuhlolwe umngcipheko wetyala womfaki-sicelo.Iindlela zorhwebo ezincomekayo (ezifana neentlawulo zangexesha, izinga eliphantsi lokusetyenziswa) zinokumnceda umfaki-sicelo ukuba afumane imali-mboleko.

Umbuzo: Ngaba uMzila woRhwebo nguye kuphela omiselayo ekufumaneni iMali-mboleko yeNgxelo yeBhanki?

Impendulo: Hayi. Nangona imigqaliselo yorhwebo ibalulekile ekuvavanyeni umngcipheko womfaki-sicelo wetyala, amaziko abolekisayo asaya kuqwalasela intaphane yezinto, kubandakanywa umvuzo womfaki-sicelo, izinto anazo kunye namatyala akhe, xa esenza isigqibo sokuba ayamkele na imali-mboleko.

UMBUZO: Ukuba ndinembali embi yorhwebo, ngaba oko kuthetha ukuba andinakuyifumana imali-mboleko yesiteyitimenti sebhanki?

Impendulo: Akunjalo.Nangona imbali yorhwebo encumisayo inokunceda ekufumaneni imali-mboleko, usenakho ukufumana imali-mboleko yesiteyitimenti sebhanki nokuba kukho iintambo zorhwebo ezimbi.Ababolekisi baya kwenza izigqibo zabo ngokusekelwe kwimeko yakho yezemali iyonke, kubandakanywa umvuzo wakho, ii-asethi, kunye noqikelelo lomvuzo wexesha elizayo.

Ukuqukumbela
isiteyithimenti sebhankiimali-mboleko imele ithuba elibambekayo kwabo baza kuba ngabanini-zindlu abanembali yetyala elilinganiselweyo ngaphambili babethintele amaphupha abo okufumana ikhaya.Ngokususa inkqubo kunye nokuqaqambisa imiba ephambili ebandakanyekayo, siyathemba ukuba inqaku lethu belinolwazi kwaye likhuthaza, kwaye lonwabele uhambo olugudileyo lokuguqula umnqweno wepropathi yakho ube yinyani!

Malunga nokubolekwa kwe-AAA

Isekwe ngo-2007, i-AAA Lendings ibe ngumbolekisi ohamba phambili kwi-mortgage iminyaka engaphezu kwe-15 yokugqwesa.Ilitye lethu lembombo libonelela ngenkonzo engenakuthelekiswa nanto kunye nokuthembeka, ukuqinisekisa ukuba abathengi bethu baneliseke kakhulu.

Ubungcali kuluhlu olubanzi lweemveliso ezingezizo ze-QM-kubandakanywaAkukho Doc Akukho Credit, I-P&L ezilungiselelwe ngokwakho, WVOE, I-DSCR, Iingxelo zeBhanki, Jumbo, HELOC, Vala Ukuphela Kwesibiniiinkqubo-sikhokela kwimalike yemali-mboleko 'engeyo-QM'.Siyabuqonda ubunzima bokufumana imali-mboleko kwaye sine 'Arsenal yeMali-mboleko' eyahlukeneyo ukuhlangabezana nale mingeni.Ukungena kwethu kwangethuba kwimarike ye-Non-QM kusinike ubuchule obukhethekileyo.Imizamo yethu yobuvulindlela ithetha ukuba siyaziqonda iimfuno zakho zemali ezahlukileyo.Ngokubolekwa kwe-AAA, ukufikelela kwiinjongo zakho zemali kulula kwaye kufikeleleka ngakumbi.

Sincede phantse iintsapho ezingama-50,000 ekufezekiseni amaphupha azo emali, kunye neemali-mboleko ezingaphaya kweebhiliyoni ezingama-20 zeedola.Ubukho bethu obubalulekileyo kwiindawo eziphambili ezifana ne-AZ, CA, DC, FL, NV, kunye ne-TX zisivumela ukuba sikhonze abantu abaninzi.

Ngaphezulu kwe-100 yee-arhente ezizinikeleyo kunye namaqela abhala phantsi kunye novavanyo lwangaphakathi, siqinisekisa inkqubo yemali-mboleko elungelelanisiweyo nengenaxinzelelo.

Ividiyo:Ukuvula amandla eeMali-mboleko zeNkcazo yeBhanki kubaThengi baMakhaya abaQala: Imibuzo yakho eQhe ukubuzwa iyaphendulwa.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.