Uma kuziwa ekutholeni imali mboleko, ababoleki abaningi bangase bazithole bengaphandle kwenqubo yokufaneleka yezinhlelo zokubolekwa kwendabuko. Yilapho Ababolekisi Bezindlu Ezingezona ze-QM bengenela khona ukuze banikeze ezinye izixazululo, banikeze amathuba okuba umninikhaya kulabo abangahambisani nesikhunta esivamile.

Yini I-Non-QM Mortgage Lender?

Umbolekisi we-Non-QM (Non-Qualified Mortgage) ugxile kakhulu ekunikezeni imali mboleko yezindlu engafinyeleli imibandela eqinile ebekwe amabhizinisi axhaswe uhulumeni njengo-Fannie Mae no-Freddie Mac. Nakuba ababolekisi bendabuko bethobela imihlahlandlela ethile mayelana nezikolo zezikweletu, izilinganiso zesikweletu nemali engenayo, kanye nomlando wokuqashwa, ababolekisi be-Non-QM banokuguquguquka okwengeziwe ekubhaleni ngaphansi futhi bangacabangela uhla olubanzi lwezinto lapho behlola izicelo zemalimboleko.

Kungani Khetha Umabolekisi Wezindlu Ongeyena we-QM?

1. Ukuvumelana nezimo Ekufanelekeni:

• Ababolekisi abangeyona i-QM babhekelela ababoleki okungenzeka bangafaneleki ukuthola imalimboleko evamile ngenxa yezinto ezifana nokuzisebenza, imali engenayo engajwayelekile, amazinga aphezulu ezikweletu, noma izinkinga zesikweletu zesikhathi esidlule. Bahlola isimo sezimali esiyingqayizivele somfakisicelo ngamunye ngokuphelele, becabangela izici ezingaphezu kwezikolo zezikweletu kanye nokuzinza kwemali engenayo.

2. Ezinye Izinketho Zokubhala:

• Ngokungafani nababolekisi bendabuko abadinga imibhalo ebanzi ukuze baqinisekise imali engenayo nempahla, ababolekisi be-Non-QM banikeza ezinye izinketho zemibhalo. Ababoleki abanemithombo engeyona eyendabuko yemali engenayo noma izimo zezezimali eziyinkimbinkimbi banganikeza izitatimende zasebhange, ukuqedwa kwempahla, noma ezinye izinhlobo zamadokhumenti ukuze basekele isicelo sabo semalimboleko.

3. Izinhlelo Zemalimboleko Ezandisiwe:

• Ababolekisi abangewona ama-QM banikela ngezinhlelo zokubolekwa ezihlukene ezifanelana nezidingo zababoleki abahlukahlukene. Lokhu kungase kuhlanganise imali ebolekiwe enenzalo kuphela, imalimboleko esekelwe kumpahla, izinhlelo zezitatimende zasebhange, imali mboleko yezwe langaphandle, nokunye okwengeziwe. Lezi zinketho zokubolekwa eziguquguqukayo zinika ababoleki amandla okuthola imali ebolekwayo ehambisana nezinhloso nezimo zabo zezezimali ezihlukile.

4. Inqubo Yokugunyaza Esheshayo:

• Izimalimboleko ezingezona ze-QM zivame ukwenza lula izinqubo zokubhala ngaphansi uma kuqhathaniswa nezindlu ezibolekiwe ezivamile, okuholela ezikhathini zokugunyazwa ngokushesha. Lokhu kungaba yinzuzo ikakhulukazi kubaboleki abadinga ukuvikela uxhaso ngokushesha noma okungenzeka bahlangabezane nokubambezeleka noma ukwenqatshwa ngababolekisi bendabuko.

5. Amanani Wokuncintisana Nemibandela:

• Naphezu kokunakekela ababoleki abanamaphrofayela angewona awesiko, ababolekisi be-Non-QM banikeza amanani enzalo aqhudelanayo nemibandela. Ngokusebenzisa ukuguquguquka kwabo ekubhaleni ngaphansi, bangahlela imali mboleko ehlangabezana nezidingo zababoleki kuyilapho benciphisa ubungozi kubatshalizimali.

Isiphetho

Sengiphetha, Ababolekisi Bezindlu Ezingezona ze-QM badlala indima ebalulekile ekwandiseni ukufinyelela kubunikazi bezindlu ngokunikeza ezinye izixazululo zezimali kubabolekayo abangakufanelekeli ukubolekwa ngokwesiko. Ngokuvumelana nezimo zabo ekubhaleni ngaphansi, ezinhlelweni ezihlukene zemalimboleko, nokuzibophezela ekunikezeni ababoleka amandla ngezimo zezimali ezihlukile, ababolekisi be-Non-QM bahlinzeka ngendlela eya kubunikazi bezindlu obungase bufinyeleleke. Uma uzithola ungaphandle kwenqubo yokufaneleka yezinhlelo ezivamile zokubolekwa kwezindlu, ukuhlola izinketho ngombolekisi ongeyena we-QM kungaba ukhiye wokufeza amaphupho akho obunikazi bendlu.

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.