Ukutyhila iiMfihlo zeMigaqo yeMali-mboleko eGuquguqukayo kwiiPropati zoTyalo-mali

Kwihlabathi eliguqukayo le-real estateutyalo-malie-US, ukufumana imigaqo-mboleko efanelekileyo kwiipropati zotyalo-mali kungenza okanye ukwaphule isivumelwano. Kulapho i-AAA Lendings iqala khona ukudlala, inikezela ngothotho lwemiqathango yemali-mboleko eguquguqukayo ehlangabezana neemfuno ezahlukeneyo zabatyali-zimali.

I-AAA Lendings inerekhodi encomekayo, engaphaya kweminyaka eli-15 kushishino, ikhuphe isixa-mali semali-mboleko engaphezulu kwe-20 yeebhiliyoni zeerandi kwaye incede ngaphezulu kwe-50,000 yeentsapho. Ubungcali babo kwiImali-mboleko engeyiyo Qms ibabeka njengabaphambili ekuboneleleni ngezisombululo ezilungiselelweyo.

Enye yeempawu ezibalaseleyo lukhetho lwe-P&L oluzilungiseleleyo. Kubatyali-mali abanokuthi basokole ukubonelela ngembuyekezo yerhafu yemveli, olu khetho lubavumela ukuba bafanelekele ukubolekwa ngeengxelo ezilungiselelwe bona zenzuzo nelahleko. Oku bhetyebhetye kuyatshintsha-tshintsha, njengoko kuvula umnyango kumathuba otyalo-mali kwabo bebethintelwe ngaphambili ziimfuno ezingqongqo zamaxwebhu.

I-DSCR (i-Debt Service Coverage Ratio) mboleko yenye igugu. Ngomvuzo wokurenta ofaneleka kule mali mboleko, abatyali-zimali bepropathi banokunyusa ukuhamba kwemali okuveliswa ziirenti zabo ukuze bafumane inkxaso-mali. Oku kuluncedo ngakumbi kwabo bagxile ekwakhiweni kweepotfoliyo zeepropathi zokungenisa imali. Ibenza bakwazi ukwandisa ugcino lwabo ngaphandle komthwalo ogqithisileyo wokuqinisekiswa kwengeniso yomntu.

Ngaphezu koko, i-HELOC (i-Home Equity Line yeTyala) enikezelwa yi-AAA Lendings ayinaso isohlwayo esihlawulwa kwangaphambili. Oku kunika abatyali-zimali inkululeko yokulawula iimali zabo ngokufanelekileyo. Bangakwazi ukuhlawula imali-mboleko kwangethuba ngaphandle kokufaka iindleko ezongezelelweyo, ukubonelela ukuguquguquka kwemali kunye nokukwazi ukuziqhelanisa nokutshintsha kweemeko zemarike.

Inkqubo yokubhala phantsi eguquguqukayo kwi-AAA Lendings nayo ifanelekile ukugqamisa. Ngelixa abanye ababolekisi benokuthi "Hayi", i-AAA yokuboleka isoloko ikwazi ukufumana indlela yokuthi "Ewe". Oku kuthetha ukuba nabatyali-mali abanetyala elingagqibelelanga okanye abaneemeko ezizodwa zezimali banethuba lokufumana inkxaso-mali abayidingayo kwiipropati zabo zotyalo-mali.

Ukuqukumbela, ukuba ukwiphulo lokuzingela imiqathango yemali-mboleko ebhetyebhetye kwiipropati zakho zotyalo-mali e-US, i-AAA Lendings kufuneka ibe phezulu kuluhlu lwakho. Uluhlu lwabo olubanzi lweemveliso zemboleko, ezidityaniswe nokuzinikela kwinkonzo yabathengi, zibenza iqabane elithembekileyo kuhambo lwakho lotyalo-mali lwezindlu nezindlu.