Ukungatholi Umsebenzi Ongenayo Imali Ebolekiwe Yendawo yokuhlala eyisisekelo ene-AAA Lendings

Esimeni esiyinkimbinkimbi semakethe yezindlu zase-US, ukufuna aakukho msebenziAyikho Imali Ebolekiwe Yezindlu Eziyinhloko engabonakala inzima. Kodwa-ke, i-AAA Lendings ivela njengozakwethu onokwethenjelwa, enikeza izixazululo ezilungiselelwe ukuhlangabezana nalesi sidingo esiyingqayizivele.

AAAUkuboleka imaliinomlando oncomekayo, oziqhayisa ngeminyaka eyi-15 yesipiliyoni embonini yokubolekisa. Njengoba isamba semali ebolekiwe idlula amaRandi ayizigidi eziyizinkulungwane ezingama-20 futhi isize imindeni engaphezu kuka-50,000, ubuchwepheshe bayo buqinisiwe. Ubukhona bazo, obusebenza ezifundazweni ezingama-46 kanye neSifunda SaseColumbia, bufakazela futhi ukufinyelela kwabo okubanzi nekhono labo.

Esinye sezici ezivelele zeminikelo ye-AAA Lendings inketho ye-Self Prepared P&L, okuyisici esibalulekile kulabo abafuna Imali Ebolekiwe Engenamsebenzi. Le nketho ivumela ababoleki ukuthi bafanelekele ukubolekwa imali ngaphandle kwesidingo sokuhlinzeka ngembuyiselo yentela. Kubantu abangenawo umsebenzi wendabuko noma iholo elizinzile, lokhu kuvumelana nezimo kungase kushintshe umdlalo. Ibenza bakwazi ukwethula isimo sabo sezezimali ngendlela ebonisa ikhono labo lokubuyisela imali ebolekiwe, ngokusekelwe ezitatimendeni zabo ezilungiselelwe zenzuzo nokulahlekelwa.

Omunye umkhiqizo ofanele yimalimboleko ye-DSCR. Imali engenayo yokuqasha ingasetshenziselwa ukufaneleka ukuthola le mali ebolekiwe, enenzuzo ikakhulukazi kubaboleki okungenzeka bangabi nayo iholo elivamile lomsebenzi kodwa abanezindawo eziqashisayo. Ngokusebenzisa imali engenayo ngalezi zindawo eziqashisayo, bangakwazi ukuthola imali mboleko yendawo yokuhlala yabo eyinhloko, benze ubunikazi bezindlu bufezeke.

Inketho ye-HELOC ehlinzekwa yi-AAA Lendings nayo iza nesici esikhangayo - ayikho inhlawulo ekhokhelwa kusengaphambili. Lokhu kusho ukuthi ababolekayo banenkululeko yokukhokha imali abayibolekile ngaphambi kwesikhathi ngaphandle kokufaka noma yiziphi izindleko ezengeziwe, okubanikeza ukuguquguquka okwengeziwe kwezezimali.

Inqubo yokubhala ngaphansi kwa-AAA Lendings yaziwa ngokuguquguquka kwayo. Nakuba abanye ababolekisi bengase benqabe abafake izicelo ngaphandle komsebenzi wendabuko nemali engenayo, i-AAA Lendings inomqondo ovulekile. Babheka ngale kwezidingo ezivamile futhi bacabangele izici ezihlukahlukene ukuze benze isinqumo sokuboleka. Le ndlela inika ithemba kulabo abake banqatshwa abanye ababolekisi.

Ngaphezu kwalokho, inqubo yokuvala ishesha ngokuphawulekayo, nesikhathi esimaphakathi phakathi kwamaviki angu-3. Lokhu kushintsha okusheshayo kuyinzuzo enkulu, ikakhulukazi lapho ababoleki bejahile ukuthola imali mboleko yendawo yabo yokuhlala eyinhloko. Ubufakazi bekhasimende buqinisekisa futhi isevisi yabo enhle kakhulu. Amaklayenti ancome iqembu ngobungcweti balo, amanani ancintisanayo, kanye nekhono lokuvala imali ebolekiwe phakathi nezikhathi eziwumnqamulajuqu.
Sengiphetha, uma ufuna i-No Job No Income Loan Yezindawo Zokuhlala Eziyinhloko, I-AAA Lendings ingumbolekisi okufanele icatshangelwe. Imikhiqizo yabo ehlukahlukene ehlukahlukene yemalimboleko, ukubhala phansi okuvumelana nezimo, kanye nezikhathi zokuvala ngokushesha zibenza babe yisinqumo esiphambili emakethe yezindlu zase-US.