Esimeni esishintshayo njalo soxhaso lwezimali ezibolekiwe, abatshalizimali be-Non-QM (Non-Qualified Mortgage) badlala indima ehlukile ekunikezeni ezinye izixazululo ezingaphezu kwemingcele evamile yokuboleka.Lo mhlahlandlela obanzi uhlola indawo yabatshalizimali abangewona ama-QM, wembula ukubaluleka kwabo, izinzuzo abazilethayo kubaboleki, kanye nokucatshangelwa okubalulekile kwalabo abahlola izinketho zezindlu ezibolekiwe ngaphandle komkhakha ojwayelekile.
Ukuqonda abatshalizimali abangewona ama-QM
Abatshalizimali abangewona ama-QM yizinhlangano ezitshala imali futhi zisekele izikweletu ezingezona ze-QM.Lezi zimali mboleko ziyachezuka kumbandela oqinile osungulwe I-Qualified Mortgages (QM) ngaphansi kwe-Dodd-Frank Wall Street Reform and Consumer Protection Act.Izimali mboleko ezingezona ze-QM zibhekelela ababoleki okungenzeka bangafinyeleli izindinganiso zokuboleka ezivamile kodwa abanezimo zezimali ezihlukile.
Ukubaluleka Kwabatshalizimali Abangeyona I-QM
1. Ukwandisa Ukufinyelela Emalini Yokuthenga Izindlu
Abatshalizimali abangewona ama-QM badlala indima ebalulekile ekwandiseni ukufinyelela kwezimali zezindlu ezibolekiwe.Babhekelela ababoleki okuthi, ngenxa yezizathu ezahlukahlukene, bawe ngaphandle kwenqubo ebekwe yimithetho ye-QM.Lokhu kuhlanganisa kuvumela izinhlobonhlobo eziningi zabantu ukuba baphishekele ubunikazi bezindlu.
2. Ukuguquguquka Kwemibandela Yokubhala Ngaphansi
Ngokungafani nemalimboleko ye-QM enemibandela yokubhala ngaphansi, abatshalizimali abangewona ama-QM banikeza ukuguquguquka.Bacabangela uhlaka olubanzi lwezinto lapho behlola ukufaneleka komboleki, okuhlanganisa imithombo yemali engenayo engajwayelekile nezimo zezimali ezihlukile.
3. Ukuphekela Abantu Abazisebenzayo
Esinye sezici ezihlukile zokubolekwa kwe-Non-QM ukunxusa kwabo kubantu abazisebenzayo.Laba baboleki bavame ukubhekana nezinselelo ekubhaleni imali engenayo besebenzisa izindlela zendabuko, futhi abatshalizimali abangewona ama-QM bahlinzeka ngezixazululo ezihambisana namaphrofayili abo ezezimali.
4. Ukusekela Abatshalizimali Bezakhiwo
Abatshalizimali abangewona ama-QM banesandla esikhulu ekusekeleni abatshali bezindlu.Kungakhathaliseki ukuthi ukuxhasa ngezimali amaphrojekthi okulungisa nokuphequlula noma ukuzuza izakhiwo eziqashisayo, imali mboleko ye-Non-QM inikeza ukuguquguquka nesivinini abatshali bezindlu abavame ukusidinga.
5. Ukubhekana Nezinselele Zezikweletu
Ababoleki abanezinselelo zesikweletu, njengokuqothuka kwakamuva noma ukuvalwa, bangathola izinketho kubatshalizimali abangewona ama-QM.Laba batshalizimali bazimisele kakhulu ukubheka ngale kwamaphuzu esikweletu futhi bacabangele isithombe sezimali sisonke somboleki.
Izinzuzo Zemalimboleko Okungeyona ye-QM yababoleki
1. Izixazululo Ezihlanganisiwe
Izimali mboleko ezingezona ze-QM zivumela izixazululo ezihambisanayo ezihlangabezana nezidingo ezithile zababoleki.Kungakhathaliseki ukuthi isimo sezezimali esiyingqayizivele noma uhlobo lwesakhiwo olungajwayelekile, imali mboleko ye-Non-QM inikezela ngendlela oyifisayo leyo mboleko yendabuko engeke ikunike.
2. Inqubo Yokugunyazwa Ngokushesha
Imvelo eyenziwe lula yemali mboleko ye-Non-QM ngokuvamile iphumela ezinqubweni zokugunyaza ngokushesha.Lokhu kunenzuzo ikakhulukazi ezimeni lapho isikhathi siwumongo, njengamathuba okutshalwa kwezindlu nezindlu ezidinga isinyathelo esisheshayo.
3. Ukuboleka Okusekelwe Kwempahla
Izimalimboleko ezingezona ze-QM zivame ukusebenzisa ukuboleka okusekelwe empahleni, lapho inani lesakhiwo liwukucatshangelwa okuyinhloko.Lokhu kungaba yinzuzo kubaboleki abanempahla ebalulekile kodwa imithombo yemali engenayo engajwayelekile.
4. Iphuli Enwetshiwe Yomboleki
Izimali mboleko ezingezona ze-QM zandisa iphuli yomboleki ngokufaka labo abangase bangalingani nesikhunta esivamile sokuboleka.Lokhu kuhlanganisa kukhuthaza imakethe yezindlu ezibolekiwe ehlukahlukene futhi efinyeleleka kalula.
5. Ukufeza Izinhloso Eziyingqayizivele Zezakhiwo
Kubaboleki abanezinhloso ezihlukile zezindlu ezithengiswayo, njengokuthenga i-condo enganikezwa isiqinisekiso noma ukuxhasa ngezimali indawo enesakhiwo esiyinkimbinkimbi sobunikazi, imali mboleko ye-Non-QM inikeza ukuguquguquka okudingekayo ukuze kufezeke lezi zinhloso.
Ukucatshangelwa Kwababoleki Abahlola Izinketho Okungezona ze-QM
1. Qonda Kahle Imigomo Nemibandela
Ngaphambi kokukhetha ukubolekwa imali okungeyona ye-QM, ababoleki kufanele baqonde kahle imigomo nemibandela.Lokhu kubandakanya izilinganiso zenzalo, imigomo yokukhokha, nanoma yiziphi izimfuneko ezithile ezibekwe umtshali-zimali ongeyena we-QM.
2. Xhumana Nezisebenzi Zokubolekwa Kwezindlu
Ukufuna isiqondiso kochwepheshe bezezindlu kubalulekile lapho uhlola izinketho ezingezona ze-QM.Abeluleki bezindlu ezibolekiwe banganikeza imininingwane, bahlole izimo zezimali ngazinye, futhi bancome izixazululo ezifanele kakhulu ze-Non-QM.
3. Hlola Imithelela Yezezimali Yesikhathi Eside
Ababoleki kufanele bahlole ngokucophelela imithelela yezezimali yesikhathi eside yemali mboleko ye-Non-QM.Nakuba lezi zimali mboleko zinikeza ukuguquguquka, kubalulekile ukucabangela ukuthi imigomo ihambisana kanjani nemigomo yezezimali yesikhathi eside.
4. Qhathanisa Abatshalizimali abaningi abangewona ama-QM
Njengoba kunjalo nangemalimboleko yendabuko, ababoleki kufanele baqhathanise iminikelo evela kubatshalizimali abaningi abangewona ama-QM.Lokhu kubandakanya ukuhlola izilinganiso zenzalo, izinkokhelo, kanye nesithunzi sisonke somtshali-zimali ongeyena we-QM.
Isiphetho: Ukunika Ababoleki Amandla Ngezixazululo Ezingezona ze-QM
Abatshalizimali okungebona be-QM baletha isici esibalulekile emakethe yezindlu ezibolekwayo ngokunikeza ezinye izindlela ezibhekelela uhla oluhlukahlukene lwababolekayo.Kungakhathaliseki ukuthi inikeza ukuguquguquka kumbandela wokubhala ngaphansi noma ukusekela imigomo yezindlu ezithengiswayo engajwayelekile, imalimboleko ye-Non-QM inika ababoleki amandla okuphishekela ubunikazi bezindlu kanye nokutshalwa kwezindlu ngemibandela yabo.
Njengoba ababoleki behlola izinketho ezingezona ze-QM, ukuqonda ukubaluleka kwabatshalizimali abangewona ama-QM, izinzuzo abazinikezayo, kanye nokucatshangelwa okubalulekile kuba okubalulekile.Ngokuqondiswa okufanele kanye nokuqonda okucacile kwezinjongo zezimali ngazinye, imali mboleko ye-Non-QM ingaba yinketho yamasu futhi enika amandla esimweni esiguqukayo soxhaso lwezindlu.
Isikhathi sokuthumela: Nov-18-2023