Asikho Isijeziso Sokukhokha Ngaphambili: Inzuzo Yemali Ebolekiwe Ye-Self P&L

Ezweni eliyinkimbinkimbi futhi elivame ukwesabisa lemalimboleko e-United States, ababoleki abanezitatimende ze-P&L ezilungiselelwe bona babhekana nezinselele ezihlukile. Nokho, inketho ye-mortgages ngeAsikho Isijeziso Sokukhokha Ngaphambiliivela njengoshintsho-mdlalo, ikakhulukazi kuleli qembu elithile.

AAAUkuboleka imali, igama elidumile elinolwazi lweminyaka engaphezu kwengu-15 kanye nomlando wokukhipha imali ebolekiwe engaphezu kwezigidigidi ezingu-20 zamaRandi ukuze kusizwe imindeni engaphezu kuka-50,000, iziqonda kahle lezi zinselele. Bahlinzeka ngohlu lwemikhiqizo ebolekiwe, okuhlanganisa naleyo eyenzelwe ababoleki ngezitatimende ezizilungiselele ze-P&L.

Enye yezinzuzo ezibalulekile zemikhiqizo yabo yempahla yezindlu ukungabikho kwenhlawulo yokukhokha kusengaphambili. Kubaboleki abanezitatimende ze-P&L ezizilungiselele bona, izimo zezimali zingase zingabikezeleki. Ibhizinisi lingase libhekane nokuwa komoya kungazelelwe, okuvumela obolekayo ukuba akhokhe imali mboleko ngaphambi kwesikhathi ebesilindelekile. Ezimweni ezinjalo, inhlawulo yokukhokha kusengaphambili izosebenza njengesivimbelo, yenze obolekayo angabaze ukusizakala ngesimo sakhe sezezimali esithuthukisiwe. Kodwa njengoba i-AAA Lendings 'ingekho imali yokubolekwa yenhlawulo yokukhokha kusengaphambili, ababoleki banenkululeko yokukhokha imalimboleko yabo ngaphambi kwesikhathi ngaphandle kokuthola ezinye izindleko ezengeziwe.

Lokhu kuvumelana nezimo akugcini nje ngokunikeza ukuthula kwengqondo kodwa futhi kunikeza namathuba amahle okuhlela ezezimali. Ababoleki bangahlela imali yaboLEZIngokuphumelelayo, bazi ukuthi banganciphisa umthwalo wabo wezikweletu noma nini lapho kubazuzisa ngokwezimali.

Ngaphezu kwalokho, inqubo yokubhala ngaphansi kwe-AAA Lendings iyaguquguquka. Lapho abanye ababolekisi bengase benqabe ababoleki ngezitatimende ze-P&L abazilungiselele bona, Ukubolekwa kwe-AAA kuvame ukuthi “Yebo.” Le ndlela ehlanganisayo, ehlanganiswe nesici sokungakhokhi imali kusengaphambili, yenza imikhiqizo yabo yemali mboleko ihehe kakhulu.

Inqubo yokuvala ngokushesha, nesikhathi esimaphakathi phakathi kwamaviki angu-3, ​​ingeza futhi esikhalazweni. Ababoleki bangakwazi ukuvikela ngokushesha izikweletu zabo futhi baqale ukujabulela izinzuzo zokuba ngumninikhaya. Ubufakazi obuvela kumakhasimende anelisekile bugqamisa ubungcweti nokusebenza kahle kweqembu, abaningi bencoma ikhono labo lokuvala imali ebolekiwe ngaphakathi kweminqamulajuqu eqinile.

Sengiphetha, uma ungumboleki onesitatimende se-P&L ozilungiselele sona ofuna imali ebolekwayo e-US, cabangela izikweletu zenhlawulo yokukhokha kusengaphambili ezinikezwa yi-AAA Lendings. Kungaba ukhiye wokuvula ulwazi lwemali yendlu oluvumelana nezimo futhi ongenaso ingcindezi.