Inkqubo yomboleki ozisebenzelayo kwihoseyili eNgena-QM- P&L(Inzuzo nelahleko) umbolekisi kunye nomtyali-mali |AAA UKUBOleka

Iinkcukacha zeMveliso

Isishwankathelo

Ababoleki abazisebenzelayo kuphela, abangakwaziyo ukuhamba kunye ne-arhente mboleko ye-mortgage, kwaye abafuni ukubonelela ngeendlela ezahlukeneyo zamaxwebhu engeniso.

Iinkcukacha

1) Ukuya kuthi ga kwi-2.5M yemali-mboleko;
2) Ukuya kuthi ga kwi-75% LTV;
3) 620 okanye amanqaku aphezulu ekhredithi;
4) Abemi bamazwe angaphandle bayafumaneka **
5) Akukho MI (i-Inshurensi ye-Mortgage);
6) DTI ratio-- Front 38%/ Emva 43%;
7) UMboleki olungiselelwe iP&L yamkelwe **

Yintoni le nkqubo?Ngubani onokufaka isicelo sale nkqubo?

• Ngaba ungumboleki ozisebenzelayo?
• Ingaba umbolekisi ufuna iziteyitimenti zebhanki yakho ukuze ufumane imali-mboleko?Okanye ngaba ababolekisi bakho bezindlu bafuna ukuba usayine iimbuyekezo zerhafu kwaye ufuna imibhalo?
• Ngaba wakha wanqunyanyiswa okanye wakhatywa ngababolekisi be-arhente?Ngaba ababolekisi bakha bathi "Ngokwesikhokelo sethu"
• Ngaba uyazi ukuba ungakufanelekela njani ukubolekwa imali yendlu ngaphandle kwamaxwebhu omvuzo?Nangona iimbuyekezo zerhafu / iingxelo zebhanki zoshishino, njl.

Thina i-AAA yokuBoleka ngoku ibonelela ngenkqubo yemali mboleko ye-Non-QM efanelekileyo esetyenziswa kwezi meko zingasentla, ebizwa ngokuba yi-P&L (Inzuzo nelahleko).Le nkqubo yenzelwe ababoleki abazisebenzelayo nabaza kuxhamla kwezinye iindlela zokufaneleka mboleko.Leyo yeyona nzuzo ingcono kwabo baziqeshileyo.I-CPA/CTEC/EA egqityiweyo yaza yasayinwa i-P&L isenokusetyenziswa njengenye imbuyekezo yerhafu ukuze kubhalwe umvuzo womboleki oziqeshileyo.Ngaxa lithile, siyayamkela i-P&L yomboleki elungiselelwe, ekwayinzuzo entle kwabanye ababoleki.

Kutheni le nkqubo iyilwe?

Kubaboleki abazisebenzelayo, inkqubo yesiteyitimenti sebhanki yeenyanga ezili-12/24 lolona khetho lungcono, kuba le nkqubo ayifuni zimbuyekezo zerhafu kunye neengxelo zebhanki zoshishino nazo.Nangona kunjalo, xa abanye abafaki-zicelo beneshishini, eliye lantsonkotha imeko yezemali ngeengxelo zebhanki ezininzi, inkqubo yeP&L inokuba lolona khetho lufanelekileyo kuwe.Ukusukela kwiinyanga ezili-12/24 inkqubo yengxelo yebhanki inomda malunga nemfuno yeengxelo zebhanki;mhlawumbi max.Iingxelo zebhanki ezintathu zeshishini elinye, enokuthi ibe sisithintelo esikhokelela kwinkqubo yeP&L.

Yintoni ekufuneka uyilungiselele ukuvunywa ngokukhawuleza?

Xa ufaka imali-mboleko kubabolekisi, banokufuna i-YTD(Unyaka ukuya kuMhla) P&L (okanye kunye nonyaka ongaphambili weP&L ngamanye amaxesha), ilayisenisi yeshishini, ileta ye-CPA, njl. ukungenisa okanye xa imvume yemali-mboleko.
Ngaphandle koko, kufuneka ujonge neqela lethu lokungenisa ukubala umvuzo kuqala