Amanani ezindlu ezibolekwayo abelokhu ekhuphuka kusukela iFederal Reserve yaqala ukuhlanganisa ukukhuphuka kwezinga ekuqaleni konyaka, yeqa emazingeni awo aphezulu cishe eminyakeni emithathu ngisho nangaphambi kokumenyezelwa kokwenyuka kwamanani.
NgoLwesine, uFreddie Mac ukhiphe isilinganiso sakhe sakamuva seminyaka engama-30 sokubolekwa kwempahla ku-4.67%, okuyisibalo esisha kusukela ngoDisemba 2018.
Ekuqaleni kwalo nyaka, lesi sibalo sahlala ku-3.22%.Lokho kusho ukuthi amanani emali ebolekiwe akhuphuke ngamaphuzu ayi-145 kuyo yonke ikota futhi afinyelele cishe ku-5% okokuqala ngqa kule minyaka emine yakamuva.
Kuze kube manje, i-Federal Reserve empeleni inyuse izinga lenzalo kanye kuphela, elilingana nezikhathi eziyisithupha zokwenyuka kwezinga lenzalo kubalwa ngamaphoyinti angu-25 ngesikhathi esisodwa.
Ithintwa ukwehla kwamandla emali okuphakeme, i-Fed ihlela ukukhulisa amanani kuyo yonke imihlangano phakathi nalo nyaka, kuyilapho umzila onamandla wokwenyuka kwamanani kanye nezinga lokubolekwa kwemali elikhulayo cishe kontanga.
Njengoba libhekene nokukhuphuka kwamazinga emali ebolekiwe okungenzeka azoqhubeka, abaningi benu abafaka isicelo semali mboleko bangase baqale ukulinda noma balindele ukwehla kuze kube izilinganiso zenzalo zifika ezingeni eliphansi lomjikelezo.
Eqinisweni, njengoba izicelo ze-mortgage sezizonke zehle ngo-60% uma kuqhathaniswa nonyaka odlule, ngokusho kwe-Mortgage Bankers Association.
Njengoba nje amabhange amakhulu elandela inkambiso yokukhuphuka kwamanani entengo, uhla lwemikhiqizo ebolekiwe evela kwa-AAA Lendings lenza abantu bayeke ukubuka futhi bangenele.
Izicelo zokubolekwa kwemali ziyanda njengoba amanani enzalo ekhula ngendlela
Emakethe lapho amabhange amakhulu eqhubeka nokukhula cishe emijikelezweni yezinsuku ezimbili, uchungechunge lwemikhiqizo ebolekiwe engu-R100 edliwa yi-AAA Lendings ayizange ilandele igagasi lokunyuka kwezinga lenzalo kodwa ize yawuqeda lo mkhuba ngezinga lenzalo ephansi.
Kusukela namuhla, izinga lenzalo le-AAA Lendings lihlala lisezingeni eliphansi lika-4.250%.Ngokwezibalo ze-AAA Lendings, inani lezicelo zochungechunge lwemikhiqizo ye-R-100 likhuphuke kakhulu kulo nyaka.
Ungazibuza ukuthi "ofaneleka ukufaka isiceloR100 umkhiqizo?”
Isisebenzi
Noma ngabe uwenar ababolekayouyisakhamuzi saseMelika, uphethe ikhadi eliluhlaza noma ikhadi lomsebenzi, noma iowezizwe, ungakhetha umkhiqizo we-WVOE.Nazi ezinye izinzuzo:
n Ayikho i-paystub/W-2/imbuyiselo yentela edingekayo.
n Izimali zezipho zivunyelwe.
n Kuvunyelwe owezwe langaphandle.
n Izinyanga eziyi-12 ezigodliwe ezibalwe ku-PI (Hhayi i-PITIA edingekayo omunye umbolekisi).
n Inani lemalimboleko elifinyelela ku-$2.5M.
n Inkokhelo ephansi ingaphansi ngo-30%.
n Okuncane kwe-FICO 680.
Sozisebenzelayo
Noma ngabe uwenar ababolekayouyisakhamuzi saseMelika, uphethe ikhadi eliluhlaza noma umazisi, noma ungowangaphandlekazwelonke, ungakhetha umkhiqizo we-Self Prepared P & L:
n Ayikho isignesha ye-CPA edingekayo.
n Kuvunyelwe owezwe langaphandle.
n Imali ebolekiwe efika ku-$10M.
n Izinyanga eziyi-12 ezigodliwe ezibalwe ku-PI (Hhayi i-PITIA edingekayo omunye umbolekisi).
n Azikho izimbuyiselo zentela ezidingekayo kanye nemali yezipho evunyelwe.
n Inkokhelo ephansi ingaphansi ngo-30%.
n Okuncane kwe-FICO 680.
Kubonakala sengathi umkhuba wokwenyuka kwezinga lenzalo ngeke ume okwamanje futhi nenzalo ephansi yochungechunge luka-R100 ingase ibe “Isikhathi-okulinganiselwe”.Ungaphuthelwa yithuba elingcono kakhulu lokugibela nge-AAA Lendings!
Isikhathi sokuthumela: Apr-02-2022