Amanani aphansi: Okungokoqobo Kwababoleki Be-P&L Abazilungiselele Ngokuboleka Nge-AAA

Kubaboleki be-P&L abazilungisele ngokwabo e-United States, ukuthola umbolekisi wezindlu ezinikezayoIzinga Eliphansis kungabonakala njengempi ekhuphukayo. Ngenhlanhla, i-AAA Lendings yenze lokhu kwaba ngokoqobo, yashintsha ulwazi lokuboleka kwabaningi.

I-AAA Lendings inesipiliyoni seminyaka engaphezu kwe-15 embonini yokubolekisa, nesamba semali ebolekiwe esingaphezu kwezigidigidi ezingama-20 futhi isize imindeni engaphezu kuka-50,000. Lokhu okuhlangenwe nakho okubanzi kubanikeza ubuchwepheshe bokuqonda izidingo eziyingqayizivele zababoleka be-P&L abazilungiselele bona.

Esinye sezici ezivelele ukuzibophezela kwabo ekusunguleni izinto ezintsha. Inketho yemalimboleko yesitatimende sasebhange, edinga ukuthi chaUkubuyiswa Kwentela, kuwubufakazi balokhu. Ababoleki be-P&L abazilungisele ngokwabo bavame ukuba namaphethini emali engenayo angahambisani, okwenza kube nzima ukuhlangabezana nemibandela yokuboleka yendabuko. Imali ebolekiwe yesitatimende sasebhange ibavumela ukuthi basebenzise izitatimende zabo zasebhange ukukhombisa ukuzinza kweholo labo, okubenza bafanelekele ukubolekwa imali enenani eliphansi.

I-HELOC (I-Home Equity Line of Credit) ehlinzekwa yi-AAA Lendings nayo ibhekelela le ngxenye. Ngaphandle kwenhlawulo ekhokhelwa ngaphambili, ababoleki banokuguquguquka kokuphatha izimali zabo kangcono. Ababolekayo be-P&L abazilungisele ngokwabo bangafinyelela izimali uma kudingeka futhi babuyisele ngaphandle kokukhathazeka ngezijeziso ezinkulu, kuyilapho bejabulela amanani ancintisanayo.

I-QM Community Loan, eza nekhredithi eyengeziwe engu-$4,500, ingenye inketho ekhangayo. Lokhu akusizi kuphela ababoleki ngenkokhelo ephansi kodwa futhi kunciphisa izindleko zizonke zokuboleka, kwehlisa izinga ngempumelelo.

Isevisi yomuntu siqu e-AAA Lendings ingenye into enomthelela emazingeni aphansi kubaboleki be-P&L abazilungiselele bona. Ithimba lisebenzisana eduze nomboleki ngamunye, liqonda isimo sakhe sezezimali futhi lithola umkhiqizo ongcono kakhulu wemalimboleko ozofanela izidingo zabo. Le ndlela ehambisanayo iqinisekisa ukuthi ababoleki bathola amanani ancintisana kakhulu atholakalayo.

Ngaphezu kwalokho, inqubo yokugunyaza ngokushesha isho ukuthi ababoleki bangakhiya ngamanani aphansi ngaphambi kokuba izimo zemakethe zishintshe. Isikhathi esimaphakathi sokuvala imali ebolekiwe siphakathi kwamaviki angu-3, ​​okunikeza ababoleki ukuzethemba kokuqhubekela phambili nezinhlelo zabo zokuthenga ikhaya noma zokubuyisela kabusha imali.

Kafushane, i-AAA Lendings idale indawo ekahle yokuthi ababoleki be-P&L abazilungiselele bona bafinyelele ezikweletini zenani eliphansi. Inhlanganisela yabo yemikhiqizo emisha, isevisi yomuntu siqu, kanye nezikhathi zokucubungula okusheshayo kubenza babe ukukhetha okuphezulu emakethe ye-mortgage yaseMelika.