Ukuhlomula Kanjani Imalimboleko Kazwelonke Yangaphandle Engenazo Izidingo Zomsebenzi

Ukuthola imali ebolekwayo njengomuntu wangaphandle ngaphandle komsebenzi e-US kungabonakala kuwumsebenzi ongenakunqotshwa. Kodwa AAAUkuboleka imaliulapha ukuze uguqule lokho kulandisa ngeMalimboleko yabo Kazwelonke Entsha Yangaphandle Engenayo Imfuneko Yomsebenzi. Lo mkhiqizo wemalimboleko wenzelwe ukuhlangabezana nezidingo ezithile zohlu oluhlukahlukene lwababolekayo, okubanikeza indlela yokuba umninikhaya.

Ubuchwepheshe be-AAA Lendings emakethe yemalimboleko ye-Non-QM bubanika umkhawulo ekuhlinzekeni ngale mali mboleko eyingqayizivele. Sekuphele iminyaka engama-22 begxile emalini ebolekiwe ye-Non-QM, okusho ukuthi banokuqonda okujulile kwe-nuan.LEZIkanye nezimfuneko zababoleki ezingahambisani nenqubo yendabuko yokubolekwa kwe-QM. Lokhu okuhlangenwe nakho kubenza bakwazi ukunikeza isisombululo sokuboleka esibandakanya wonke umuntu.

Inketho ethi “Self Prepared P&L” iyinzuzo ephawulekayo kubaboleki Bemalimboleko Kazwelonke Yangaphandle Engenazo Izidingo Zomsebenzi. Esikhundleni sokudinga ukubuyiselwa kwentela, okungase kube inselele kubantu bangaphandle abangenawo umsebenzi, bamukela i-P&L ezilungiselele yona. Lokhu kuvumela abantu ngabanye ukuthi bethule isimo sabo sezezimali ngendlela ebasebenzelayo, okwandisa amathuba abo okugunyaza imalimboleko.

Esinye isici esikhangayo ukutholakala kwenketho ye-DSCR. Ngemali engenayo yokuqasha efanelekela ukubolekwa, abantu bangaphandle bangakwazi ukusebenzisa ukutshalwa kwezindlu zabo ukuze bathole uxhaso lwezimali. Lokhu kunenzuzo ikakhulukazi kulabo abangabanikazi bezindawo eziqashisayo e-US futhi abafuna ukwandisa iphothifoliyo yabo yezindlu ezithengiswayo.

Inketho ye-HELOC engenayo inhlawulo ekhokhelwa ngaphambili inikeza ababoleki ukuguquguquka kwezezimali. Bangakwazi ukufinyelela izimali uma kudingeka futhi babuyisele ngaphandle kokukhathazeka ngezijeziso ezinkulu, okukwenza kube ukukhetha okulula ezimweni ezihlukahlukene zezezimali.

Ubufakazi obuhle obuvela kumakhasimende adlule bukhuluma kakhulu ngekhwalithi yesevisi ku-AAA Lendings. Amaklayenti ancome iqembu ngekhono lawo lokuvala imali ebolekiwe ngokushesha, ngokuvamile phakathi namaviki ama-2, kanye nokunikeza amanani ancintisanayo. Ukunakwa komuntu siqu kwabaphathi bemalimboleko abafana no-Leo Li no-Judy kuqinisekisa ukuthi ababoleki bazizwa besekelwe kuyo yonke inqubo.

Kafushane, Imalimboleko Kazwelonke ye-AAA Lendings' engenazo Izidingo Zomsebenzi inikeza inqwaba yezinzuzo. Kusukela ezidingweni eziguquguqukayo zamadokhumenti kuya ekugunyazweni okusheshayo namazinga ancintisanayo, kunikeza inketho esebenzayo kubantu bangaphandle ukuthi bangene emakethe yezindlu yase-US. Uma ufuna imali ebolekiwe eqonda izimo zakho ezihlukile, le mali ebolekiwe ingaba yimpendulo obulokhu uyifuna. Thatha isinyathelo sokuqala esibheke ekubeni umninikhaya futhi uhlole amathuba nge-AAA Lendings namuhla.