Finyelela Inkululeko Yezezimali Ngaphandle Kwenhlawulo Yokukhokha Ngaphambili kokuthi I-Self P&L Mortgages

Ukuzulazula endaweni ye-mortgage e-United States kungaba umsebenzi onzima, ikakhulukazi kubantu abathembele kuzitatimende ezilungiselelwe bona ze-P&L. Kodwa-ke, kunokukhanya kwethemba ngendlela yezikweletu ezifika ngaphandle kwenhlawulo yokukhokha kusengaphambili, kanye ne-AAAUkuboleka imaliihamba phambili ekunikezeni izinketho ezinjalo ezinenzuzo.

I-AAA Lendings izitholele yona njengegama elithenjwayo embonini yempahla yezindlu, enomlando ohlaba umxhwele othatha iminyaka engaphezu kwengu-15. Isamba sabo semalimboleko semalimboleko esidlula amaRandi ayizigidi eziyizinkulungwane ezingama-20 nokusekelwa kwemindeni engaphezu kuka-50,000 kukhuluma kakhulu ngokwethembeka nobungcweti babo.

Kubaboleki abanezitatimende ze-P&L ezilungiselelwe bona, ukungabikho kwenhlawulo yokukhokha kusengaphambili kuyinzuzo enkulu. Ukuphila kugcwele ukungaqiniseki, nesimo sezezimaliLEZIingashintsha ngokushesha. Cabanga ngesimo lapho umnikazi webhizinisi ethola unyaka oyimpumelelo futhi ekwazi ukukhokha imali mboleko yakhe ngaphambi kwesikhathi esimisiwe. Ngemali mboleko enenhlawulo yokukhokha kusengaphambili, lokhu kungaholela ezindlekweni ezinkulu, ukudla imali engase igcinwe. Kodwa njengoba i-AAA Lendings 'ingekho izikweletu zenhlawulo yokukhokha kusengaphambili, ababoleki bakhululekile ukukhokha imali mboleko yabo noma nini lapho bekhetha, ngaphandle kweminye imikhawulo yezezimali.

Lesi sici asinikezi nje kuphela ukuguquguquka kwezezimali kodwa futhi sinikeza ababoleki amandla okulawula ikusasa labo lezezimali. Ibavumela ukuthi bahlele kusenesikhathi futhi benze izinqumo ezisekelwe esimeni sabo sangempela sezezimali, kunokuba bakhawulelwe yimibandela yenkontileka yesibambiso.

Ngaphezu kwenhlawulo yokukhokha kusengaphambili, i-AAA Lendings inikeza uhla lwezinye izinzuzo. Izilinganiso zabo zenzalo ezincintisanayo ziqinisekisa ukuthi ababoleki bathola idili elihle, kuyilapho isevisi yomuntu siqu isho ukuthi izidingo ezihlukile zomboleki ziyacatshangelwa. Inqubo yokuvala ngokushesha, enesilinganiso phakathi kwamaviki angu-3, ​​yenza ababoleki baqhubekele phambili nezinhlelo zabo zobunikazi bezindlu ngaphandle kokubambezeleka okungadingekile.

Ubufakazi bekhasimende buwubufakazi bekhwalithi yesevisi ehlinzekwa yi-AAA Lendings. Abathengi bancome ubungcweti beqembu, ukusebenza kahle, nokuzinikela ekubasizeni ukuthi bavikele izikweletu zabo. Kungakhathaliseki ukuthi ixhasa ngezimali kabusha noma ithola imali yokuthenga indlu entsha, ithimba eliku-AAA Lendings lihamba imayela elingeziwe ukuze liqinisekise ukuzizwisa okubushelelezi nempumelelo.

Sengiphetha, uma ufuna imali ebolekwayo e-US futhi unesitatimende se-P&L esizilungiselele wena, cabanga ngezinketho zokungakhokhiswa kusengaphambili ezihlinzekwa yi-AAA Lendings. Kuyithuba lokwamukela inkululeko yezezimali nokuthatha isinyathelo esiya ekusaseni lezezimali elivikeleke kakhudlwana.