12/12/2023

Isingeniso: Zithathele uhambo oluqondene nawe kanye nolusunguliwe lokuthola usizo lwezimali ekhaya ngezinsizakalo zethu ezingezona ze-QM zokubolekwa kwezindlu ezithengiswayo. Njengamandla ahamba phambili embonini, sisebenza ngokukhethekile ekuletheni izixazululo ezifanelana nezinhlobonhlobo zezidingo zezimali.

1. Ukuzulazula ku-Landscape ye-Non-QM Wholesale Mortgage Lending

Ukuchaza okungeyona i-QM

Izixazululo ze-Non-QM (Non-Qualified Mortgage) zinikeza enye indlela eguquguqukayo yababolekayo ngaphandle kwenqubo yokuboleka evamile. Izinsizakalo zethu zokubolekwa kwezindlu ezithengiswayo ezingezona ze-QM zikunika amandla ngokuguquguquka nokukhetha.

Kwenzelwe Izidingo Zakho

Zitholele okuhlangenwe nakho kokubolekwa kwezindlu ezibolekwayo okwenzelwe ngokwezifiso isimo sakho sezezimali esiyingqayizivele. Izimalimboleko ezingezona ze-QM ziyakhululeka emigomeni yokuboleka okuvamile, zinikeza izixazululo eziklanyelwe izimo ezihlukahlukene.

2. Izinzuzo Zokukhethela Umbolekisi Wezindlu Ezithengiswayo Esitolo Esidayisa Impahla Engayona I-QM

Ukufaneleka Okuhlanganisiwe

Izwa ukubandakanywa ekubolekeni. I-Non-QM ivulela ababoleki iminyango enamaphrofayili ezezimali ahlukahlukene, okuhlanganisa abantu abazisebenzayo, asebethathe umhlalaphansi, nalabo abanemithombo yemali engenayo engajwayelekile.

Inqubo Yokugunyaza Esheshisiwe

Lungisa indlela yakho yokuba umninikhaya ngezinsizakalo zethu zokubolekwa kwezindlu ezithengiswayo ezingezona ze-QM. Zuza enqubweni yokugunyaza esheshayo nephumelelayo edizayinelwe ukuhlangabezana nezikhathi zakho.

3. Izixazululo Zethu Zokubolekwa Kwempahla Ethengiswa Kakhulu Okungezona ze-QM

Comprehensive Product Range

Hlola izinhlobonhlobo zemikhiqizo ebolekiwe ye-Non-QM eklanyelwe izidingo zezezimali ezihlukahlukene. Kusukela emalini ebolekiwe yenzalo kuphela kuya ezinhlelweni zezitatimende zasebhange, iminikelo yethu yakhelwe ukunikeza ukuguquguquka nokukhetha.

Isiqondiso Sochwepheshe

Zulazula ku-Non-QM landscape ngokuzethemba, uqondiswa ithimba lethu lochwepheshe abanolwazi. Sisebenza ngokukhethekile ekubolekeni kwe-Non-QM, sikunikeza ubuchwepheshe bokukusiza wenze izinqumo ezinolwazi.

4. Ukufinyelela I-Non-QM Wholesale Mortgage Lending

Ubambiswano Olungenazihibe

Izwa ubulula bokubambisana nethimba lethu le-non-QM elibolekisa ngemali ye-wholesale. Kusukela ekubonisaneni kokuqala kuya enqubweni yokuvala, sibeka phambili ukubeka izinto obala nokusebenza kahle.

Izinsiza eziku-inthanethi

Finyelela imininingwane ebalulekile kanye nolwazi mayelana nokubolekwa kwe-Non-QM ngokusebenzisa izinsiza zethu ze-inthanethi. Hlala unolwazi futhi wenze izinqumo ezinikezwe amandla ohambweni lwakho lokuba ngumninikhaya.

5. Izindaba zempumelelo kanye nobufakazi beklayenti

Ukufeza Amaphupho Obunikazi Bekhaya

Funda izindaba zempumelelo nobufakazi obuvela kumakhasimende afinyelele ngempumelelo izinjongo zawo zokuba ngabanikazi bezindlu ngosizo lwezixazululo zethu zokubolekwa kwezindlu okungezona ze-QM.

Isiphetho:

Nika amandla uhambo lwakho loxhaso lwendlu ngombolekisi wezindlu ezithengiswayo we-Non-QM ozibophezele ekubeni nezimo, ukuhlanganisa, kanye nokusungula izinto ezintsha. Xhumana nathi namuhla ukuze uhlole indawo entsha yamathuba emalimboleko yezindlu, eqondene nawe ukuze uhlangabezane nezidingo zakho ezihlukile.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS; ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume. Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe. Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye. Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile. Tshala imali ngokufanele ngokuzifaka engozini.