11/18/2023

Ababolekisi bezindlu ngempahla evenkileni badlala indima ebaluleke kakhulu kwimarike yemali-mboleko, benikezela ngeemveliso zemboleko-mali kubarhwebi ngeereyithi zehoseyile.Kubathengisi abafuna ukuguquguquka kunye nezisombululo ezizodwa, iimveliso ze-mortgage (ezingezizo ze-QM) zibaluleke kakhulu.Kwesi sikhokelo sibanzi, siphengulula kumhlaba ontsonkothileyo wababolekisi bezindlu ezithengiswayo, sigxile kumaxabiso abo angeyo-QM, sijonga ukuba yintoni ebahlulayo, kwaye sinikezela ngemibono kubathengisi abahamba kweli candelo likhethekileyo lemarike.

Ukuqonda abaBolekisi beMortgage kwiWholesale

Ababolekisi bezindlu ngevenkile basebenza njengabalamleli phakathi kwee-brortgage brokers kunye namaziko abonelela ngemali.Banikezela ngeemveliso zokubolekwa kwezindlu kubarhwebi ngamaxabiso athengiswayo, bevumela abarhwebi ukuba bafikelele kwiindlela ezahlukeneyo zemboleko kunye nemigaqo.

Iimveliso ezingezizo ze-QM: Izisombululo ezilungiselelwe iimeko eziZodwa

Iimveliso ze-mortgage ezingaqinisekisiweyo zibonelela ababoleki abangayifikeleliyo imigaqo-nkqubo engqongqo yokubambisa ngokwemveli.Ezi mveliso zenzelwe ukujongana neemeko zezimali ezizodwa, zizenza zibe nomtsalane ngakumbi kubaboleki abanemithombo yengeniso engaqhelekanga okanye iiprofayili zetyala.

Iimpawu eziphambili zabaBolekisi boMboleko abaBonelela ngeRhafu engeyiyo eye-QM

1. Iikhrayitheriya zokuBhala eziguquguqukayo

Ababolekisi abachwephesha kwiimveliso ezingezizo eze-QM bahlala benendlela yokubhala ebhetyebhetye.Baqwalasela uluhlu olubanzi lweemeko ezingaphaya kwengeniso yemveli kunye neemetrics zekhredithi, evumela indlela elungiselelweyo yokuvavanya ukufaneleka komboleki.

2. IiMveliso ezahlukeneyo ezingezizo zeQM

Ababolekisi bayazahlula ngokunika uluhlu olwahlukeneyo lweemveliso ezingezizo eze-QM.Oku kunokubandakanya imali-mboleko yesiteyitimenti sebhanki yabantu abazisebenzelayo, imali-mboleko yokubambisa kuphela, kunye nezinye izisombululo ezilungiselelwe.Abarhwebi baxhamla ekufikeleleni kwiindlela ezahlukeneyo zokukhetha ezingezizo ze-QM ukuhlangabezana neemfuno ezithile zabathengi babo.

3. IiReyithi zokuKhuphisana ze-Non-QM

Amaxabiso akhuphisanayo yinto ecacileyo kubabolekisi bezindlu ezithengiswayo kwindawo engeyiyo ye-QM.Ababolekisi ababonelela ngemilinganiselo enomtsalane nekhuphisanayo baxhobisa abarhwebi ukuba babonise izisombululo zemali ezinyanzelisayo kubaboleki abasenokungakulungeli ukufumana imali yokubambisa ngokwemveli.

4. ULungiselelo olusebenzayo lweMali-mboleko ye-QM

Ukuphumelela ekuqhubeni iimali-mboleko ezingezizo eze-QM kubalulekile.Ababolekisi abahlengahlengisa inkqubo yokuvunywa kunye nenkxaso-mali yemali-mboleko engeyiyo eye-QM babonelela abarhwebi ngokhuphiswano.Amaxesha okuguqula ngokukhawuleza anegalelo kumava alula kubo bobabini abarhwebi kunye nababoleki.

5. Ulwakhiwo lweMirhumo engeyiyo ye-QM engafihliyo

Ulwakhiwo lomrhumo ocacileyo lubalulekile kubarhwebi abasebenza ngeemveliso ezingezizo eze-QM.Unxibelelwano olucacileyo malunga neentlawulo ezinxulumene neemali-mboleko ezingezizo ze-QM zenza ukuba ii-brokers zibonelele abathengi ngengqiqo ebanzi yeenkalo zemali ye-mortgage yabo.

Izicwangciso-qhinga zee-Brokers eziPhonononga iiReyithi ezingezizo-QM

1. Uphando kunye neNkuthalo efanele

Abarhwebi kufuneka baqhube uphando olucokisekileyo malunga nababolekisi bezindlu ezithengiswayo abaziingcali kwiimveliso ezingezizo eze-QM.Ukuphonononga unikezelo lwababolekisi, iireyithi, kunye nophononongo lunika ulwazi oluxabisekileyo lokwenza izigqibo ezizizo.

2. Ukwakha uBudlelwane kunye nabaBolekisi abangengoQM

Ukuseka ubudlelwane obuluqilima nababolekisi be-non-QM kubalulekile.Abarhwebi abakhuthaza ubuhlakani bentsebenziswano naba babolekisi banokufikelela ngakumbi kumazinga okhuphiswano kunye nezisombululo ezilungiselelwe abathengi babo.

3. Hlala unolwazi malunga neeNdlela zeMarike ezingezizo ze-QM

Ukuhlala unolwazi malunga neentsingiselo kwimarike engeyiyo ye-QM kubalulekile.Abarhwebi kufuneka baqonde ubume obuguqukayo, kubandakanywa utshintsho kumdla womtyali-mali kwiimali-mboleko ezingezizo ze-QM kunye naluphi na utshintsho kwiingqwalasela zolawulo.

4. Fundisa abaThengi malunga noKhetho olungeyo-QM

Ii-brokers kufuneka zifundise abaxhasi ngokuqhubekayo malunga neendlela ezingezo ze-QM.Unxibelelwano olucacileyo malunga neenzuzo kunye nokuqwalaselwa kweemveliso ezingezizo ze-QM zinceda abathengi ukuba benze izigqibo ezinolwazi malunga nokukhetha kwabo kuthenga indlu.

Ukuqukumbela

Ukuzulazula kummandla wababolekisi bezindlu ezithengiswayo kunye namazinga angewona e-QM kufuna indlela yobuchule.Abarhwebi abafuna ukubonelela ngezisombululo ezilungiselelwe abathengi abaneemeko zezimali ezizodwa bayazuza ngokulungelelaniswa nababolekisi bevenkile abaziingcali kwiimveliso ezingezizo ze-QM.Esi sikhokelo sigxininisa iimpawu eziphambili ezibeka ababolekisi bevenkile ngaphandle kwendawo engeyiyo ye-QM, ukubonelela ngee-brokers ngemibono esebenzayo yokuphumelela kweli candelo eliguquguqukayo nelikhethekileyo lemarike ye-mortgage.

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.