Isilinganiso samaphesenti wonyaka (APR) isilinganiso senzalo esibonisa izindleko zemali mboleko njengenani laminyaka yonke. Lesi silinganiso singase sibe phezulu kunesilinganiso senothi esishiwo noma isilinganiso esikhangisiwe emalini eboshiwe, ngoba sicabangela amaphuzu nezinye izindleko zekhredithi. I-APR ivumela abathenga izindlu ukuthi baqhathanise izinhlobo ezahlukene zezikweletu zezindlu ngokusekelwe ezindlekweni zonyaka zemalimboleko ngayinye. I-APR yakhelwe ukukala "izindleko zangempela zemali mboleko." Kwakha inkundla yokudlala yababolekisi. Ivimbela ababolekisi ekukhangiseni inani eliphansi kanye nezinkokhelo zokufihla.

I-APR ayizithinti izinkokhelo zakho zanyanga zonke. Izinkokhelo zakho zanyanga zonke ziwumsebenzi wezinga lenzalo kanye nobude bemali mboleko.

Ngenxa yokuthi izibalo ze-APR zenziwa izinkokhelo ezihlukahlukene ezikhokhiswa ababolekisi, imali ebolekiwe ene-APR ephansi ayisona ngempela isilinganiso esingcono. Indlela engcono kakhulu yokuqhathanisa imali ebolekiwe ukucela ababolekisi ukuthi bakunikeze isilinganiso sokwethembeka sezindleko zabo ngohlobo olufanayo lohlelo (isb. iminyaka engama-30 emisiwe) ngenani lenzalo efanayo. Ungabe usususa izinkokhelo ezizimele emalini ebolekiwe njengomshwalense wabanikazi bezindlu, izimali zetayitela, izimali ze-escrow, izimali zommeli, njll. Manje hlanganisa zonke izimali ezibolekiwe. Umbolekisi onemali ephansi yemali mboleko unemali mboleko eshibhile kunomboleki onezimali eziphakeme zokubolekwa.

Lezi zimali ezilandelayo zivame ukufakwa ku-APR:

Amaphuzu - kokubili amaphuzu esaphulelo kanye namaphoyinti okuqala

Inzalo ekhokhiwe kusengaphambili. Inzalo ekhokhiwe kusukela ngedethi imali mboleko evala ngayo ekupheleni kwenyanga.

Imali yokucubungula imalimboleko

Imali yokubhala ngaphansi

Imali yokulungiselela idokhumenti

Umshwalense we-mortgage wangasese

Imali ye-Escrow

Lezi zimali ezilandelayo ngokuvamile azifakwa ku-APR:

Isihloko noma imali engabonakali

Imali Yommeli Womboleki

Izimali zokuhlola ikhaya

Imali yokurekhoda

Dlulisa izintela

Umbiko wesikweletu

Imali yokuhlola

Ngezansi kunohlu lwamadokhumenti adingekayo lapho ufaka isicelo semali mboleko. Nokho, zonke izimo zihlukile futhi kungase kudingeke ukuba unikeze imibhalo eyengeziwe. Ngakho-ke, uma ucelwa ulwazi olwengeziwe, sebenzisana futhi unikeze ulwazi oluceliwe ngokushesha ngangokunokwenzeka. Kuzosiza ukusheshisa inqubo yokufaka isicelo.

Impahla Yakho

Ikhophi yenkontileka yokuthengisa esayiniwe ehlanganisa bonke abagibeli

Ukuqinisekiswa kwediphozi oyibekile ekhaya

Amagama, amakheli nezinombolo zocingo zabo bonke abadayisi, abakhi, ama-ejenti omshwalense nabameli abahilelekile

Ikhophi Yeshidi Lohlu kanye nencazelo engokomthetho uma ikhona (uma indawo iyikhondomu sicela unikeze isimemezelo se-condominium, imithetho kamasipala kanye nesabelomali sakamuva)

Iholo Lakho

Amakhophi ezinkokhelo zakho zesikhathi sakamuva sezinsuku ezingama-30 kanye nonyaka kuze kube manje

Amakhophi amafomu akho e-W-2 eminyakeni emibili edlule

Amagama namakheli abo bonke abaqashi kule minyaka emibili edlule

Incwadi echaza noma yiziphi izikhala emsebenzini kule minyaka engu-2 edlule

I-visa yomsebenzi noma ikhadi eliluhlaza (kopisha ngaphambili nangemuva)

Uma uzisebenza noma uthola ikhomishini noma ibhonasi, inzalo/izabelo, imali engenayo noma yokuqashisa:

Nikeza izimbuyiselo ezigcwele zentela zeminyaka emibili edlule yesitatimende senzuzo nokulahlekelwa seminyaka emibili edlule (sicela unikeze imbuyiselo yentela ephelele ehlanganisa amashejuli nezitatimende ezinamathiselwe. Uma ufake isandiso, sicela unikeze ikhophi yesandiso.)

Ama-K-1 awo wonke ama-partnerships kanye ne-S-Corporations eminyakeni emibili edlule (sicela uhlole kabili imbuyiselo yakho. Iningi lama-K-1 alinamathiselwe ku-1040.)

I-Federal Partnership (1065) eqediwe futhi yasayinwa kanye/noma Izimbuyiselo Zentela Yemali Engenayo (1120) okuhlanganisa wonke amashejuli, izitatimende nezengezo zeminyaka emibili edlule. (Kudingeka kuphela uma isikhundla sakho sobunikazi singama-25% noma ngaphezulu.)

Uma uzosebenzisa i-Alimony noma Ukwesekwa Kwezingane ukuze ufaneleke:

Nikeza isinqumo sesehlukaniso/isinqumo senkantolo esisho inani, kanye nobufakazi bokuthola imali yonyaka odlule.

Uma uthola imali engenayo Yokuvikeleka Komphakathi, izinzuzo zokukhubazeka noma ze-VA:

Nikeza incwadi yomklomelo evela ku-ejensi noma inhlangano

Umthombo Wezimali kanye Nenkokhelo Ephansi

Ukudayiswa kwendlu yakho ekhona - hlinzeka ngekhophi yenkontileka yokuthengisa esayiniwe endaweni yakho yamanje yokuhlala kanye nesitatimende noma isivumelwano sohlu uma singadayiswa (ekuvaleni, kufanele futhi unikeze isitatimende sokukhokha/ sokuvala)

Izimali zokonga, zamasheke noma zemakethe yemali - hlinzeka ngamakhophi ezitatimende zasebhange zezinyanga ezi-3 ezedlule

Amasheya namabhondi - hlinzeka ngamakhophi esitatimende sakho kumthengisi wakho noma amakhophi ezitifiketi

Izipho - Uma ingxenye yemali yakho yokuvala, hlinzeka nge-Gift Afidavithi kanye nobufakazi bokuthola imali

Ngokusekelwe olwazini oluvela esicelweni sakho kanye/noma umbiko wakho wesikweletu, ungase udingeke ukuthi ulethe amanye amadokhumenti

Izikweletu noma Izibopho

Lungiselela uhlu lwawo wonke amagama, amakheli, izinombolo ze-akhawunti, amabhalansi, nezinkokhelo zanyanga zonke zazo zonke izikweletu zamanje namakhophi ezitatimende zenyanga ezintathu zokugcina

Faka wonke amagama, amakheli, izinombolo ze-akhawunti, amabhalansi, nezinkokhelo zanyanga zonke zabanikazi bezindlu kanye/noma abanikazi bezindlu kule minyaka emibili edlule.

Uma ukhokha isondlo noma isondlo sengane, faka inkokhelo yomshado/inkantolo esho imigomo yesibopho

Hlola ukumboza I(i)mali Yokufaka Isicelo

Ukuthola amaphuzu esikweletu wuhlelo olusetshenziswa abakweletwayo ukusiza ukunquma ukuthi bakunike yini ikhredithi. Ulwazi olumayelana nawe nolwazi lwakho lwekhredithi, njengomlando wakho wokukhokha izikweletu, inombolo kanye nohlobo lwama-akhawunti onawo, ukukhokha sekwephuzile, izenzo zokuqoqwa, isikweletu esisilele, kanye neminyaka yama-akhawunti akho, luqoqwa esicelweni sakho sesikweletu kanye nombiko wakho wesikweletu. Besebenzisa uhlelo lwezibalo, abakweletwayo baqhathanisa lolu lwazi nokusebenza kwesikweletu kwabathengi abanamaphrofayili afanayo. Uhlelo lokuthola amaphuzu esikweletu lunikeza amaphuzu endaweni ngayinye esiza ukubikezela ukuthi ubani ongase akhokhe isikweletu. Isamba senani lamaphuzu -- amaphuzu esikweletu -- lisiza ukubikezela ukuthi ufaneleke kangakanani ukuthola isikweletu, okungukuthi, mangakanani amathuba okuthi ubuyisele imali oyibolekile futhi wenze izinkokhelo ngesikhathi esifanele.

Izikolo ezisetshenziswa kakhulu zezikweletu zingamaphuzu e-FICO, athuthukiswe yi-Fair Isaac Company, Inc. Amaphuzu akho azowela phakathi kwama-350 (ubungozi obukhulu) kanye nama-850 (ubungozi obuphansi).

Ngenxa yokuthi umbiko wakho wesikweletu uyingxenye ebalulekile yezinhlelo eziningi zokuthola amaphuzu esikweletu, kubaluleke kakhulu ukuqiniseka ukuthi unembile ngaphambi kokufaka isicelo sekhredithi. Ukuze uthole amakhophi ombiko wakho, xhumana nama-ejensi amathathu amakhulu abika ngezikweletu:

I-Equifax: (800) 685-1111

I-Experian (ngaphambilini eyayiyi-TRW): (888) EXPERIAN (397-3742)

I-Trans Union: (800) 916-8800

Lawa ma-ejensi angakukhokhisa kuze kufike ku-$9.00 ngombiko wakho wesikweletu.

Unelungelo lokuthola umbiko owodwa wesikweletu wamahhala njalo ezinyangeni eziyi-12 enkampanini ngayinye ebika ngezikweletu zabathengi ezweni lonke - i-Equifax, i-Experian ne-TransUnion. Lo mbiko wamahhala wesikweletu ungase ungaqukathi isikolo sakho sesikweletu futhi ungacelwa ngewebhusayithi elandelayo: https://www.annualcreditreport.com

Amamodeli wamaphuzu esikweletu ayinkimbinkimbi futhi avame ukuhluka phakathi kwabakweletwayo kanye nezinhlobo ezahlukene zezikweletu. Uma isici esisodwa sishintsha, isikolo sakho singashintsha -- kodwa ukuthuthuka ngokuvamile kuncike ekutheni leyo nto ihlobana kanjani nezinye izici ezicatshangwa imodeli. Umbolekisi kuphela ongachaza ukuthi yini engathuthukisa isikolo sakho ngaphansi kwemodeli ethile esetshenziselwa ukuhlola isicelo sakho sesikweletu.

Noma kunjalo, amamodeli wamaphuzu ngokuvamile ahlola izinhlobo ezilandelayo zolwazi embikweni wakho wesikweletu

Nakuba ngokuvamile kuhle ukuba nama-akhawunti esikweletu asunguliwe, ama-akhawunti amaningi kakhulu ekhadi lesikweletu angase abe nomthelela omubi esikoleni sakho. Ngaphezu kwalokho, amamodeli amaningi acabangela uhlobo lwama-akhawunti wezikweletu onawo. Isibonelo, ngaphansi kwamanye amamodeli wamaphuzu, imali ebolekiwe evela ezinkampanini zezimali ingase ibe nomthelela omubi kumaphuzu akho esikweletu.

Amamodeli wamaphuzu angase asekelwe ngaphezu kolwazi olusembikweni wakho wesikweletu. Isibonelo, imodeli ingase icabangele ulwazi oluvela esicelweni sakho sesikweletu futhi: umsebenzi wakho noma umsebenzi, ubude bomsebenzi, noma ukuthi unomuzi yini.

Ukuze uthuthukise amaphuzu akho esikweletu ngaphansi kwamamodeli amaningi, gxila ekukhokheleni izikweletu zakho ngesikhathi, ukhokhe ibhalansi esalele, futhi ungathathi isikweletu esisha. Kungase kuthathe isikhathi ukuthuthukisa isikolo sakho kakhulu.

Indawo idluliselwa ngokusemthethweni isuka kumdayisi isiwe kuwe ngokuthi "Ukuvala" noma "Uxhaso".

Lapho kuvalwa, ubunikazi besakhiwo budluliselwa kuwe ngokusemthethweni busuka kumdayisi. Lokhu kungase kuhlanganise wena, umdayisi, ama-ejenti wezindlu, ummeli wakho, ummeli wombolekisi, isihloko noma abamele amafemu e-escrow, omabhalane, onobhala, nabanye abasebenzi. Ungaba nommeli omele wena uma ungakwazi ukuthamela umhlangano wokuvala, okungukuthi, uma ungaphandle kwesifunda. Ukuvala kungathatha noma yikuphi ukusuka ehoreni elingu-1 kuye kwambalwa kuye ngezigatshana zesimo esiphuthumayo ekuthengeni okunikezwayo, nanoma imaphi ama-akhawunti e-escrow adinga ukusethwa.

Iningi lamaphepha ekuvaleni noma ekukhokheleni kwenziwa abameli kanye nochwepheshe bezindlu. Ungase uhileleke noma ungabandakanyeki kweminye yemisebenzi yokuvala; kuya ngokuthi usebenza nobani.

Ngaphambi kokuvala kufanele uhlole okokugcina, noma "uhambe udlule" ukuze uqinisekise ukulungiswa okuceliwe, futhi izinto okuvunyelwene ngazo ukuthi zihlale endlini zikhona njengama-drapes, izinto zokukhanyisa, njll.

Ezifundeni eziningi isinxephezelo siqedwa yitayitela noma inkampani ye-escrow lapho udlulisela khona zonke izinto kanye nolwazi kanye namasheke omuntu ophatha imali ukuze inkampani ikwazi ukwenza inkokhelo edingekayo. Ummeleli wakho uzoletha isheke kumdayisi, bese ekunikeza okhiye.

Isingeniso

Lesi sihloko siqukethe ulwazi lwemali mboleko enenani eliphezulu le-mortgage, okuhlanganisa:

· Incazelo ye-HPML

· Izidingo zokubolekwa kwe-HPML

Incazelo ye-HPML

Ngokuvamile, imali ebolekiwe yentengo ephezulu enenani lamaphesenti laminyaka yonke, noma i-APR, ephakeme kunesilinganiso sebhentshimakhi esibizwa ngokuthi I-Average Prime Offer Rate.

I-Average Prime Offer Rate (APOR) isilinganiso samaphesenti saminyaka yonke esisekelwe kuzilinganiso zenzalo ezimaphakathi, izinkokhelo, neminye imigomo yezikweletu ezinikezwa ababoleki abaqeqeshwe kakhulu.

I-mortgage yakho izobhekwa njengemali mboleko enenani eliphezulu lemalimboleko uma i-APR ingamaphesenti athile aphezulu kune-APOR kuye ngokuthi hlobo luni lwemali mboleko onalo:

· Izikweletu ze-First-Lien: I-APR ingamaphesenti angu-1.5 noma ngaphezulu kune-APOR.

· I-Jumbo Loan: I-APR ingamaphesenti angu-2.5 noma ngaphezulu kune-APOR

· Izindlu ezibolekiwe ezingaphansi (i-2nd Lien): I-APR yalesi sikweletu singamaphesenti angu-3.5 noma ngaphezulu kune-APOR

Izidingo zokubolekwa kwe-HPML

Imali mboleko enenani eliphezulu lemalimboleko izobiza kakhulu kunemali ebolekiwe enemibandela emaphakathi. Ngakho-ke, umbolekisi wakho kuzodingeka athathe izinyathelo ezengeziwe ukuze aqiniseke ukuthi ungakwazi ukukhokha imali oyibolekile futhi ngeke wenze iphutha. Umbolekisi wakho kungase kudingeke ukuthi:

·Thola ukuhlolwa okuphelele kwangaphakathi kumhlaziyi onelayisensi noma onesitifiketi

·Nikeza ukuhlolwa kwesibili kwekhaya lakho mahhala, uma kuyikhaya “eliphendulwe”

·Ezimweni eziningi, gcina i-akhawunti ye-escrow okungenani iminyaka emihlanu

Isingeniso

Lesi sihloko siqukethe ulwazi lwe-ATR Rule kanye ne-Qualify Mortgage, okuhlanganisa:

Uyini umthetho we-ATR?

· Izinhlobo zemalimboleko azikho ku-Qualify Mortgage

Uyini umthetho we-ATR?

Umthetho wokukwazi ukubuyisela uwukuzimisela okuphusile nokuhle ababolekisi abaningi bezindlu ezibolekiwe okudingekayo ukuze ukwazi ukukhokha imali ebolekiwe.

Ngaphansi komthetho, ababolekisi ngokuvamile kufanele bathole, bacabangele, futhi babhale phansi imali engenayo yomboleki, izimpahla, umsebenzi, umlando wesikweletu kanye nezindleko zanyanga zonke. Ababolekisi abakwazi nje ukusebenzisa isilinganiso sesethulo noma “i-teaser” ukuze bathole ukuthi umboleki angakwazi yini ukubuyisela imali mboleko. Isibonelo, uma i-mortgage inezinga lenzalo ephansi elikhuphuka eminyakeni yakamuva, umbolekisi kufanele enze umzamo ozwakalayo ukuze abone ukuthi umboleki angakwazi yini ukukhokha inzalo ephakeme kakhulu.

Enye indlela umboleki angalandela ngayo umthetho wokubuyisela iwukuba enze “Imali Ebolekiwe Efanelekayo”.

Izinhlobo zemalimboleko azikhishiwe ku-Qualify Mortgage

· Isikhathi “senzalo kuphela”, lapho ukhokha inzalo kuphela ngaphandle kokukhokha uthishanhloko, okuyinani lemali oyibolekile.

· “Negative amortization” engavumela uthishanhloko wakho wemalimboleko ukuthi akhule ngokuhamba kwesikhathi, nakuba ukhokha.

· “Izinkokhelo Zebhaluni” okuyizinkokhelo ezinkulu kunokuvamile ekupheleni kwesikhathi semalimboleko. Isikhathi semalimboleko ubude besikhathi okufanele ukhokhe ngaso imali oyibolekile. Qaphela ukuthi izinkokhelo zebhaluni zivunyelwe ngaphansi kwemibandela ethile yemalimboleko eyenziwe ngababolekisi abancane.

· Imibandela yokubolekwa imali engaphezu kweminyaka engama-30.

Amabhondi e-fidelity adizayinelwe ukuvikela abanikazi bamapholisi kunoma yikuphi ukulahlekelwa okwenzeka ngenxa yezenzo eziyingozi noma ezikhohlisayo ezenziwa amaqembu acacisiwe. Ezimweni eziningi, izibopho zokwethembeka zisetshenziselwa ukuvikela izinkampani ezenzweni zabasebenzi abangathembekile.

Naphezu kweqiniso lokuthi abizwa ngokuthi amabhondi, amabhondi e-fidelity awuhlobo lwenqubomgomo yomshwalense yamabhizinisi/abaqashi, ebafaka umshwalense ngokumelene nokulahlekelwa okubangelwa yizisebenzi (noma amakhasimende) abangela ukulimala ebhizinisini ngamabomu. Bahlanganisa noma yiziphi izenzo ezizuzisa isisebenzi ngendlela engafanele ngokwezimali noma ezilimaza ibhizinisi ngamabomu. Amabhondi e-fidelity awakwazi ukudayiswa futhi awatholi inzalo njengamabhondi avamile.

 

Isifinyezo

Amabhondi e-fidelity avikela abanikazi bamapholisi ezenzweni ezinonya neziyingozi ezenziwa abasebenzi noma amakhasimende.

Kunezinhlobo ezimbili zamabhondi okwethembeka: amabhondi enkampani yokuqala (avikela izinkampani ezenzweni eziyingozi zabasebenzi noma amakhasimende) namabhondi ezinkampani zangaphandle (ezivikela izinkampani ezenzweni eziyingozi zabasebenzi abanenkontileka).

Amabhondi awusizo ngoba ayingxenye yesu lenkampani lokulawula ubungozi, avikela inkampani izenzo ezingathinta kabi impahla yayo.

Amabhondi ahlanganisa izinto eziningi ezifanayo ezimbozwa yizinqubomgomo zomshwalense wobugebengu eziyisisekelo njengokugqekeza kanye nokweba, kodwa futhi ahlanganisa izinto lezo zinqubomgomo okungenzeka zingazifaki. Lokhu kuhlanganisa izinto ezinjengokukhwabanisa, ukukokotela, ukukhwabanisa, nobunye ubugebengu obuningi “bobugqila” obungenziwa izisebenzi ezikhungweni zezimali nasezinkampanini ezinkulu.

Imali mboleko ye-home equity-eyaziwa nangokuthi i-equity loan, i-home equity installment, noma i-mortgage yesibili-uhlobo lwesikweletu somthengi. Imalimboleko ye-home equity ivumela abanikazi bezindlu ukuthi baboleke ngokumelene ne-equity ekhaya labo. Inani lemali ebolekiwe lisekelwe kumehluko phakathi kwevelu yemakethe yamanje yekhaya kanye nebhalansi yemali ebolekiwe yomnikazi wendlu okufanele ilandelwe. Izimali mboleko zezindlu zivame ukuba nezinga elimisiwe, kuyilapho enye indlela evamile, imigqa yezikweletu zekhaya (HELOCs), ngokuvamile inezilinganiso eziguquguqukayo.

IZINTO EZISEMQOKA:

Imali mboleko ye-home equity, eyaziwa nangokuthi "imalimboleko yesitolimende ye-home equity" noma "i-mortgage yesibili," iwuhlobo lwesikweletu somthengi.

Imali mboleko yezindlu ivumela abanikazi bezindlu ukuthi baboleke ngokulingana endaweni abahlala kuyo.

Amanani emalimboleko yezindlu asekelwe kumehluko phakathi kwevelu yemakethe yamanje yendlu kanye nebhalansi yemali ebolekiwe okufanele ilandelwe.

Izimali mboleko zezindlu zifika ngezinhlobo ezimbili—imalimboleko enesilinganiso esingaguquki kanye nemigqa yezikweletu yasekhaya (HELOCs).

Izimali mboleko zezindlu ezinesilinganiso esingaguquki zinikeza isamba sesamba esisodwa, kuyilapho ama-HELOC enikeza ababoleki imigqa ezungezayo yekhredithi.

Emsebenzini wezimali obambezelekile, ungathatha ukheshi esakhiweni ngokushesha ukuze ukhokhe inani lokuthenga nezindleko zokuvala zesakhiwo obusithenge ngokheshi ngaphambilini. . Lokhu kukuvumela ukuthi ube nethuba elihle lokuba umthengi wemali futhi unikeze abathengisi ithuba lokwazi ukuthi ukuthengiselana kuzovalwa, kuyilapho kukunikeza amandla okuthola imali yokuthenga indlu maduzane ngemuva kwalokho ukuze ugweme ukuthi yonke imali oyilondolozile iboshelwe endlini yakho.

Ungacabanga ngokubambezeleka kwezimali njengendlela yokuzinikeza inzuzo yokuxoxisana ehambisana nokukhokha ngokheshi wekhaya, kuyilapho usazinika ukuguquguquka kwezimali kwesikhathi eside okunikezwayo ngokukhokha nyanga zonke ngesikweletu sendlu esikhundleni sokuzenza “umpofu wendlu.”

Inani lokuqasha libalulekile ekuthengeni indawo yokutshala imali. Singalithola kanjani-ke inani lokuqasha? Amawebhusayithi alandelayo angase akusize.

Akukho ukungena ngemvume okudingekayo, mahhala.

Zillow.com

http://www.realtor.com/

Amawebhusayithi amabili angenhla asetshenziswa kakhulu. Banohlu lwempahla olukhulu kakhulu, ithrafikhi yesayithi kakhulu, futhi bahlinzeka ngezinsizakalo ezisusa umnikazi wendawo kusukela ekukhangiseni kuye ekuqoqweni kokuqasha.

https://www.huduser.gov/portal/datasets/fmr.html

Iwebhusayithi esemthethweni YEHHOVISI LOKUTHUTHUKISWA KWENQUBOMGOMO NOCWANINGO.

Lawo mawebhusayithi amathathu angenhla kufanele anele ukuthi wazi isilinganiso serenti yemakethe.

Kodwa-ke, lokhu kungokwereferensi yakho kuphela, uma imali yokuqasha izosetshenziselwa iholo elifanelekayo, umbiko we-appraisal noma isivumelwano sokuqashisa kungase kudingeke.

Izimali mboleko ezivamile zinezidingo ezikhawulelwe zesilinganiso se-DTI/ Ama-Reserves/ LTV/ Isimo sesikweletu. Ngokuvamile, iningi lababoleki lingase lifanelekele ukubolekwa imali evamile ngemali engenayo ephezulu kanye namaphuzu esikweletu. Nakuba kwabanye ababolekayo, iholo labo liphansi noma linezinhlobo ezihlukahlukene zemali engenayo, okuholela ezimbuyiselo ezimbi zentela; Izikweletu zikaFannie Mae zingase zingazamukeli lezi zinhlobo uma imali mboleko yendlu.

Kulezi zimo, ungase uzame ukuthola omunye umbolekisi wezindlu ohlinzeka ngemikhiqizo ye-Non-QM. I-AAA Lendings manje isihlinzeka ngeSitatimende Sebhange, i-Platinum Jumbo, Ukugeleza Kwemali Yabatshalizimali (Alukho ulwazi oludingekayo lomsebenzi, Asikho isidingo se-DTI), ukuqedwa kwempahla kanye nezinhlelo Zezwe Langaphandle. Wonke umuntu angathola umkhiqizo ofanele onenani eliphansi kanye nenani elingcono kakhulu.

Nazi izibonelo ezimbalwa zezimo zokubonga kamuva nje:

Abatshalizimali bezindlu ezithengiswayo abanezakhiwo eziningi kufaka phakathi ama-condos angenawaranti. ---- Ukugeleza Kwemali yabatshalizimali

Umboleki ozisebenzelayo onesikweletu esihle kakhulu umholo wakhe oshiwo embusweni wakhe wentela ngeke ubenze bafanelekele ikhaya eliwubukhazikhazi abangalikhokhela. ----Isitatimende Sebhange Kuphela

Isimo sokuwa lapho umuntu obolekayo wayeneminyaka emibili kuphela ekuvinjelweni. ---- Platinum Jumbo

Umboleki uthengise ibhizinisi lakhe lezigidi zamadola wabe esethola ikhaya lamaphupho akhe kodwa wayengenawo umthombo wemali yokubhala.----Ukwehliswa Kwempahla