Kutheni imali-mboleko yoLuntu ye-QM ilungile kwiKhaya lakho lokuqala

Ngaba ukulungele ukunyathela kubuninimzi? IImali-mboleko yoLuntu ye-QMukusuka AAA Capitalutyalo-mali, Inc. inokuba sisitshixo sakho sokuvula elo phupha, ngakumbi ukuba ungumthengi oqalayo ukufunaAmabanga aphantsiindawo yokuhlala kuphela. Le mveliso yokubambisa ilungiselelwe ukwenza lula inkqubo, ukunikelaakukho luhlengahlengiso lokuthengakunye nokwamkelaokokuqala abathengi basekhayangeengalo ezivulekileyo. Makhe sintywizise ukuba njani okuImali-mboleko yoLuntuimele yodwa, idibanisa ukuthembeka okuxhaswe yi-arhente kunye neempawu ezilungele umboleki.

IImali-mboleko yoLuntu ye-QMyakhiwe malunga nombono weindawo yokuhlala yokuqala kuphelaukuhlala, njengoko kuchaziwe kwiMatrix. Oku kuthetha ukuba yenzelwe abantu abafuna ukuhlala emakhayeni abo—bangayiphephuki okanye bayiqeshise. Khawucinge ngoJohn, umkhandi oneminyaka engama-32 ubudala eMichigan. Wasebenzisa aImali-mboleko yoLuntuukuthenga ikhaya elipholileyo elineyunithi e-1 kulo nyaka uphelileyo. Ngowona mgangatho uphezulu we-LTV wama-97% kunye neminyaka engama-30 yokukhetha umlinganiselo omiselweyo, uye wafumana inkxaso-mali ngekheshi encinci yangaphambili. Ukugxila kwiindawo zokuhlala eziphambili kuqinisekisa ukuba ababoleki abafana noJohn bakha iingcambu, beqinisa uluntu lwasekuhlaleni-indlu enye ngexesha.

Kubaokokuqala abathengi basekhaya, le mboleko ikhanya ngokuqaqambileyo. Akukho sithintelo malunga nokuba bangaphi abantu bokuqala abanokuthi bafake izicelo, kwaye iMatrix ivumela abemi base-US, abahlali abasisigxina, kunye nabemi bexeshana ukuba bafanelekele. Ngaphezu koko, nge-FICO encinci ye-620, iyafikeleleka kwabo basakha ikhredithi yabo. Thatha uMaria, umongikazi waseNevada, ongazange abe nekhaya ngaphambili. Wakhetha u-aImali-mboleko yoLuntu ye-QMkwaye wayixabisaakukho luhlengahlengiso lokuthenganto leyo eyayigcina inzala yakhe izinzile. Ukulandela izikhokelo ze-arhente, inkqubo yakhe yemali-mboleko yayigudileyo, iziphumo ze-AUS zikhokela indlela.

Iakukho luhlengahlengiso lokuthengai-perk lilitye elifihliweyo. Ngokungafaniyo nezinye iimali-mboleko ezilungisa amaxabiso okanye imirhumo esekelwe kwinjongo yemali-mboleko, iImali-mboleko yoLuntuigcina izinto zingaguquguquki xa uthenga, uhlaziywa ngokutsha, okanye ukhupha imali. Oku kuqikelelwa kuyinzuzo kubathengi abaqaphela uhlahlo lwabiwo-mali. Idityaniswe nemida yemali mboleko ye-arhente kunye ne-4,500 ye-incentive ye-incentive, lukhetho olusebenzayo kwiipropati ezifana nee-PUD okanye izindlu zeyunithi ezi-2-4. Nangona kunjalo, zikhwebule kwiipropati ezingafanelekanga njengee-condotels okanye umhlaba wezolimo, njengoko i-Matrix ibeka phambili iindidi zokuhlala eziqhelekileyo.

Ukususela ekuyekisweni kovavanyo ukuya kuzinzo lwezinga elimiselweyo, iImali-mboleko yoLuntu ye-QMiyaxhobisaokokuqala abathengi basekhayaukubanga aboindawo yokuhlala yokuqala kuphelangokuzithemba. Yimali-mboleko—isisiseko sekamva lakho.