1. Ngemalimboleko engeyona ye-QM, imfuneko yokukhipha imali ilandelayo:
● I-Cash out seasoning, i-AAA Capital ichaza i-cash-out seasoning njengomehluko phakathi kwedethi yokufaka isicelo semalimboleko entsha kanye nedethi yenothi yezimali yangaphambili noma idethi yokuthenga.
① Ezindaweni ezinezinyanga eziyishumi nambili (12) noma ngaphezulu, i-LTV/CLTV isekelwe phezu kwevelu elinganiselwe.
② Uma isakhiwo sinobunikazi kusukela ezinyangeni eziyisithupha (6) kuya kweziyishumi nambili (12), inani lesakhiwo likhawulelwe inani eliphansi elilinganisiwe lamanje noma inani lokuthengwa kwendawo kanye nokuthuthukiswa okubhaliwe.
● Obolekayo kufanele abe ne-vesting okungenani izinyanga eziyisi-6.(Ukubambezeleka kwezimali ngaphandle)
● Izakhiwo ezisohlwini oludayiswayo ngaphambilini zizofakwa esikhathini okungenani izinyanga eziyi-6 kusukela osukwini lokuphelelwa yisikhathi kwenkontileka yokufakwa ohlwini kuya osukwini lweNothi.
2. Inzuzo yemalimboleko engeyona ye-QM
● Uma i-LTV ingaphansi kuka-70%, i-cash out refinance ayilungisi izinga, izinga le-cash out refinance liyafana ne-No cash out refinance.
● Isamba semali ephuma esikweni setransekshini ingasetshenziselwa izimali ezibekiwe ezidingekayo.
Isikhathi sokuthumela: Jan-21-2022