11/15/2023

II-QM Community LoanUhlelo lumelela intuthuko enkulu ekuxhaseni ngezimali ekhaya.Igqamile kulabo abaphonselwa inselelo ubunzima kanye nemithelela yezezimali ye-Loan-Level Price Adjustments (LLPA).Lolu hlelo olusha lulungisa kabusha isimo se-mortgage, lususe izinguquko ze-LLPA futhi ngaleyo ndlela lunikeze izinketho ezilinganayo nezinamandla ngokwezimali kubaboleki abahlukahlukene.Ukuze siwuqonde ngempela umthelela nesimo soguquko salolu hlelo, ake sicabangele uchungechunge lwezimo zokuphila kwangempela, ngayinye eklanyelwe ukukhombisa ukuthi i-QM Community Loan ingashintsha kanjani izinqubo ezijwayelekile zokuxhasa ngezindlu.Namuhla, sethula lezi zimo, sibonisa isimiso sokuthi ukubona kuwukukholelwa.

Isimo 1:

Cabanga ngomboleki onamaphuzu e-FICO angu-620, ahlose ukuthola i-75% LTV ekhaya lomndeni owodwa.Ngokwesiko, lowo obolekayo angabhekana nezinga lenzalo elikhushuliwe ngenxa yokulungiswa kwe-LLPA, okungenzeka likhuphukele ku-8.375%.Uhlelo Lwemalimboleko Yomphakathi ye-QM, nokho, luyakuyekela lokhu kulungiswa, lunikeza isilinganiso esihle esingu-7.625%.Lokhu kwehliswa kwezinga akuhumushi nje kuphela ukonga okuphawulekayo kwesikhathi eside kodwa futhi kwenza iphupho lobunikazi bezindlu lifinyeleleke kalula futhi lizinze.

Isimo 2:

Omunye umboleki onenani eliphansi le-FICO lama-640, ofuna ukuthola indawo eyinhloko yeyunithi engu-2-4 nge-70% LTV.Esimeni semalimboleko esivamile, lomboleki angahlangabezana nezinguquko ezinkulu ze-LLPA ezifinyelela ku-3.125.Uhlelo Lwemalimboleko Yomphakathi lwe-QM, ngokuphambene, luqeda lezi zindleko ezengeziwe, lusiza indlela yezimali esebenza kahle kakhulu futhi engabizi kakhulu.

Isimo 3:
Okulandelayo, siqhathanisa ababoleki ababili ngaphansi kwezimo ezihlukene zezimali - eyodwa ene-FICO ephansi ne-LTV ephakeme, kanti enye ene-FICO ephakeme kanye ne-LTV ephansi:

(1) Umboleki 1 uhlose indawo eyinhloko yamayunithi angu-2-4 enamaphuzu e-FICO angu-620 kanye ne-LTV ephezulu engu-90%.
(2) Umboleki 2, onamaphuzu amahle kakhulu e-FICO angu-780, uqondise i-LTV engu-50% yendawo yokuhlala eyinhloko yomndeni owodwa.

NgoHlelo Lokubolekwa Komphakathi lwe-QM, bobabili ababoleki banikezwa isilinganiso esifanayo sokuncintisana esingu-7.625%, kungakhathaliseki ukuthi amaphrofayili abo ahlukene, okubonisa ukuzinikela kwalolu hlelo ekubolekeni amathuba alinganayo.

Isimo ngasinye sinikeza isibonelo esicacile, esiphathekayo sokuthi izici ezihlukile zohlelo, ikakhulukazi ukuhoxiswa kokulungiswa kokulungiswa kwentengo ye-Loan-Level (LLPA), kungenza umehluko omkhulu ekhonweni lomboleki lokuvikela imali mboleko.Ngokubonisa lezi zimo, sihlose ukukhombisa ukuguquguquka kohlelo, ukubandakanywa, kanye namandla alo okunika amandla inqwaba yababoleki ekufuneni kwabo ubunikazi bezindlu.

Lapha sizophinda futhi Izinzuzo Zohlelo Lwemalimboleko Yomphakathi ye-QM:

• Sethula uhlelo olukhethekile olunikeza izinzuzo ezingenakuqhathaniswa kumakhasimende akho!
  I-CREDIT engu-$4,500 Yezakhiwo Ezifanelekayo: Lesi sici esiyingqayizivele sinikeza esinye isisusa sezezimali, okwenza uhlelo lukhange nakakhulu kulabo abangase babe baboleka.
• Ungaphuthelwa leli thuba elingenakuqhathaniswa
  I-AII LLPA/LTV&FICO/Cash-Out/High Balance Adjustments Ihoxisiwe: Ababoleki bangavalelisa ekulungisweni kwe-ejensi evamile, bavule umnyango wezilinganiso nemibandela engcono.
• Valelisa ekulungiseni okujwayelekile kwe-ejensi!
  Ukulungiswa Kwamayunithi E-Condo/2-4: Lokhu kunikezwa kwengeza esinye isendlalelo senzuzo, ikakhulukazi kulabo abafuna kulezi zinhlobo zezakhiwo.
• Jabulela lezi zivumelwano ezengeziwe
  Ayikho Imikhawulo Yemfundo Yomnikazi Wekhaya/Akukho Mholo: Uhlelo luqondisa inqubo, lususe izithiyo ezivamile futhi lusheshise izikhathi zokugunyazwa kwemali mboleko.
• Yenza inqubo ibe bushelelezi futhi isheshe
  Okokuhlala Okuyinhloko

Iyatholakala ukuthi ithengwe, i-R/T Refi kanye ne-Cash Out: Uhlelo lusebenza ngezindlela eziningi, luyatholakala ukuze luthengwe, luthengelwe isilinganiso/isikhathi sokubuyiselwa imali, kanye nokukhipha imali kabusha, luhlinzekela izidingo ezihlukahlukene zomninikhaya.

Njengoba imakethe yezindlu ithuthuka, iI-QM Community LoanUhlelo lukulungele ukuzivumelanisa nezimo nokwandisa.Izithuthukisi zesikhathi esizayo zingase zihlanganise ukusekelwa kwezinhlelo ezisimeme zezindlu, ukuhambisana nezimakethe ezikhulayo, kanye nokuhlanganiswa kobuchwepheshe ukuze kuqondiswe izinqubo.Lezi zinguquko ezingaba khona zibonisa ukuzibophezela kwalolu hlelo ekuhlaleni lufanelekile futhi lusebenza ngempumelelo kubanikazi bezindlu bamanje nabazayo.

II-QM Community LoanUhlelo lungaphezu komkhiqizo wezezimali;kuwubufakazi bendlela elinganayo futhi efinyelelekayo yokuba nekhaya.Izimo ezethulwe zigqamisa ikhono lohlelo lokubhekelela ababolekayo abahlukahlukene, okuqinisekisa ubulungiswa ekubolekeni.Ngezinzuzo zalo eziyingqayizivele nezici zokucabanga kusengaphambili, Uhlelo Lwemalimboleko Yomphakathi ye-QM limi njengesibani samathuba, lunikeza indlela yokuba umninikhaya ongafinyeleleka kokubili futhi esimeme.Yamukela lolu hlelo namuhla futhi ungene ekusaseni lempumelelo yezezimali nokuzinza ekhaya lamaphupho akho.

Ividiyo:Izwa Inzuzo Yemalimboleko Yomphakathi ye-QM: Ithuba Elilinganayo, Amanani Angcono!

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.