11/03/2023

Uma kukhulunywa ngezimali ezingajwayelekile, imali mboleko ye-Non-QM (Non-Qualified Mortgage) isiye yaduma kakhulu. Ababoleki abangahlangabezani namazinga endabuko emali mboleko bangaphendukela kubabolekisi bemali mboleko ye-Non-QM ukuze bathole izisombululo ezihlukile. Uma use-California futhi uhlola izikweletu ze-Non-QM, lo mhlahlandlela obanzi uzokusiza ukuthi uzulazule kuzwe futhi uthole umbolekisi ofanele ukuze ahlangabezane nezidingo zakho ezithile.

Ukuqonda Izimalimboleko ezingezona ze-QM

Izimali mboleko ezingezona ze-QM zenzelwe ababoleki okungenzeka bangalingani nesikhunta esijwayelekile esidingwa ababolekisi bendabuko. Lezi zimali mboleko azithobeli imibandela eqinile ebekwe amabhizinisi asekelwa uhulumeni njengo-Fannie Mae noma u-Freddie Mac. Esikhundleni salokho, ababolekisi be-Non-QM bahlola ababoleki ngokusekelwe ezintweni ezihlukene, njengezitatimende zasebhange, ukuhamba kwemali, nezimpahla.

Nawa amanye amaphuzu abalulekile okufanele uwaqonde mayelana nemalimboleko ye-Non-QM:

• I-Credit Flexibility: Izimali mboleko ezingezona ze-QM zithambile uma kukhulunywa ngezidingo zesikweletu. Ababoleki abanekhredithi engaphansi-kuphelele noma izimo zekhredithi ezihlukile ngokuvamile bangakwazi ukufaneleka.
• Amanye Amadokhumenti: Ababolekisi abangebona be-QM bamukela amanye amadokhumenti, okwenza kube lula ngabantu abazisebenzayo noma labo abanemithombo yemali engenayo engajwayelekile ukuthi bagunyazwe.
• Izinhlobo Zezakhiwo Ezihlukahlukene: Izimali mboleko ezingezona ze-QM zingasetshenziselwa izinhlobo ezahlukahlukene zezakhiwo, okuhlanganisa izakhiwo zokutshalwa kwezimali kanye nama-condo anganikezwa iwaranti.

Izinzuzo Zemalimboleko Ye-Non-QM

Izimalimboleko ezingezona ze-QM zinikeza izinzuzo ezimbalwa kubaboleki:

• Ukuvumelana nezimo: Ababoleki abanemali engenayo engajwayelekile noma izimo zezimali bangakwazi ukuvikela uxhaso lapho imali mboleko yendabuko ingase ingabi yinketho.
• Ukugunyazwa Okusheshayo: Izimalimboleko okungezona ze-QM ngokuvamile zinenqubo yokugunyaza esheshayo, evumela ababoleki ukuthi babambe amathuba emakethe yokuncintisana yezindlu nezindlu.
• Izixazululo Ezihlukile: Ababolekisi abangebona be-QM bangakha amaphakheji emalimboleko ahlukile ukuze afane nezimo nemigomo yezezimali ethile yomboleki.

Ukuthola Umbolekisi Olungile Ongeyena we-QM eCalifornia

Lapho useshela umbolekisi wemalimboleko ongeyena we-QM e-California, nazi izinyathelo ezibalulekile okufanele uzicabangele:

1. Ucwaningo Nokuqhathanisa

Qala ngokucwaninga ababolekisi be-Non-QM e-California. Bheka labo abanegama eliqinile kanye nomlando wokunikeza imali mboleko ye-Non-QM.

2. Funda Izibuyekezo

Hlola ukubuyekezwa nobufakazi obuvela kubaboleki bangaphambilini ukuze ulinganise isithunzi somboleki nokwaneliseka kwekhasimende.

3. Ukubonisana Ngochwepheshe

Cabangela ukubonisana nochwepheshe wezezindlu ezibolekwayo osebenza ngokukhethekile emalimboleko ye-Non-QM. Bangakuqondisa kubabolekisi ngemibandela evumayo kanye nekhono lokuhlangabezana nezidingo zakho ezihlukile.

4. Ukungafihli

Khetha umbolekisi osobala mayelana nemibandela yakhe yemalimboleko, amanani, kanye nezinkokhelo. Kufanele uqonde ngokugcwele imigomo yemalimboleko yakho ye-Non-QM.

5. Imigomo Nezilinganiso Zemalimboleko

Cela izingcaphuno kubabolekisi abaningi be-Non-QM ukuze uqhathanise imigomo yemalimboleko, amanani enzalo, nezinkokhelo. Lokhu kuzokusiza ukuthi uvikele imali ebolekiwe enenzuzo kakhulu.

Ababolekisi abangewona ama-QM e-California

Isiphetho

Ababolekisi bemalimboleko okungebona be-QM e-California bahlinzeka ngomzila wokuphila kubaboleki abangahambisani nesikhunta semalimboleko yendabuko. Le mikhiqizo yemalimboleko ehlukile inikeza ukuguquguquka, ukugunyazwa okusheshayo, nezixazululo eziklanyelwe. Kodwa-ke, kubalulekile ukwenza ucwaningo olunzulu, ufune izeluleko zochwepheshe, futhi ukhethe umbolekisi onobukhazikhazi nemibandela evumayo. Ngemalimboleko elungile ye-Non-QM kanye nomabolekisi, ungakwazi ukufinyelela izinjongo zakho zezindlu nezezimali, ngisho noma ungafinyeleli izimfanelo ezijwayelekile zemalimboleko evamile.

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.