Izindaba Zemboni
Ibazuzisa Kanjani Ababoleki abanezikolo eziphansi ze-FICO ze-QM
Ukungena emhlabeni wobunikazi bezindlu kuvame ukuzwakala kunzima, ikakhulukazi kubantu abaphansiIsikolo se-Fico. Nokho, i-QM Community Loan inikeza indlela eya phambili, eklanyelwe ukusiza abangaba abanikazi bezindlu ekunqobeni izithiyo ezivamile.
I-QM Community Loan ingumkhiqizo we-Qualified Mortgage oklanyelwe ukubhekana nezidingo zezezimali ezihlukile zemiphakathi ethile. Lolu hlobo lwemalimboleko luthobela imihlahlandlela eqinile kuyilapho luhlinzeka ngemibandela yokubhala ngaphansi evumelana nezimo nenzuzo kubaboleki okungenzeka bangabi naso isikweletu esiphelele. Inzuzo enkulu ye-QM Community Loan amandla ayo okuhlinzekela abantu abanamaphuzu aphansi e-FICO, ibanikeze ithuba lokuthola uxhaso lwezimali okungenzeka bangeke balufinyelele.
Okukodwa kweOkuyinhlokoizinzuzo ze-QM Community Loan ukuzibophezela kwayo ezimfuneko Zekhono Lokubuyisela. Lokhu kuqinisekisa ukuthi ababolekisi benza ngokucophelela, bahlola isimo sezimali somboleki ukuze baqinisekise ukuthi bangakwazi ukuphatha izinkokhelo zabo ngempumelelo. Ngokwamukela labo abanamaphuzu aphansi e-FICO, i-QM Community Loan inweba indawo yabathenga izindlu abangase babhekane nobunzima bokufanelekela ukuthola imalimboleko evamile.
Kubantu abanamaphuzu aphansi e-FICO, ukuthola imali ebolekiwe kungaba inselele ngenxa yombono onobungozi obuphezulu ovame ukuhlotshaniswa nephrofayela yabo yesikweletu. I-QM Community Loans, nokho, ihlelelwe ukunciphisa lezi zinselelo. Benza lula ukufinyelela ekuxhasweni kwezindlu, begcizelela imigomo nemibandela esekelayo evumelana nezidingo zababoleka imali ephansi. Lezi zixazululo ezenzelwe wena zithuthukisa amathuba okugunyazwa, zenze iphupho lokuba nekhaya libonakale kakhudlwana.
Isimo esivumelana nezimo se-QM Community Loans siwusizo kakhulu ekwehliseni imigoqo yezezimali kulabo abanamaphuzu aphansi e-FICO. Ngokuvamile zifaka izinkokhelo ezincishisiwe nezinye izindlela zokonga, ezehlisa kakhulu izindleko zokungena kwabathenga izindlu. Lokhu kuvumelana nezimo kwenza ababoleki bakwazi ukuzulazula emakethe yezindlu ngokuzethemba okukhulu nangesiqiniseko esikhulu.
Ukwengeza, Izikweletu Zomphakathi ze-QM zifaka isandla ezenzweni zokuboleka ezibandakanya wonke umuntu, njengoba zinikeza ababolekisi amandla okusekela ukukhula nokuthuthukiswa komphakathi. Ngokunikeza izixazululo ezintsha ezenzelwe ababoleki abanezinselele ezithile zezikweletu, lezi zimali mboleko zithuthukisa kokubili impumelelo yomboleki kanye nomphakathi. Lokhu akukhuthazi nje ukukhula komnotho kuphela kodwa futhi kukhuthaza ukuhlukahluka kobunikazi bezindlu emaqenjini ahlukahlukene ezenhlalo nezomnotho.
Sengiphetha, i-QM Community Loan iyithuluzi elibalulekile lababolekayo abanamaphuzu aphansi e-FICO ahloselwe ukuthenga ikhaya. Indlela yayo egxilile ayisekeli kuphela ukubolekisa okunomthwalo wemfanelo kodwa futhi ihlinzeka ngamathuba abalulekile kulabo okungenzeka basale ngemuva emakethe yempahla yezindlu. Ngokuqonda izinzuzo nemithelela Yemalimboleko Yomphakathi ye-QM, ababolekayo abanamaphuzu aphansi e-FICO basesimweni esingcono sokwenza izinqumo ezinolwazi futhi bafinyelele imigomo yabo yobuninikhaya.
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.