Yenza Imali Ebolekiwe Yakho Lula: Ukuhlanganisa I-P&L Ezilungiselele Wena Ukuze Uthole Ukufaneleka

Uma kuziwa ekutholeni imali ebolekwayo e-United States, inqubo ingaba nezinkinga. Kodwa AAAUkuboleka imaliyethule indlela yoguquko eyenza ukufaneleka kwemalimboleko kube lula kakhulu - nge-P&L ezilungiselele yona.

Iminyaka, imfuneko yokuhambisaUkubuyiswa Kwentelakube yisithiyo esikhulu kubantu abaningi abafaka izicelo zokubolekwa imali. I-AAA Lendings yabona le nselele futhi yathuthukisa inketho ye-P&L ezilungiselele yona njengenye indlela esebenzayo. Lokhu kuvumela ababoleki ukuthi bafanelekele ukubolekwa imali ngaphandle kwesidingo sokwethula amadokhumenti entela ayinkimbinkimbi.
I-P&L eyazilungiselela yona inika ababoleki amandla okukhombisa impilo yabo yezezimali ngendlela ebafanele. Izuzisa kakhulu labo abasebenza ngokungewona ojwayelekile noma abanemifudlana yemali engenayo engajwayelekile. Ngokugxila ku-P&L ezilungiselele yona, Ukubolekwa kwe-AAA kungahlola ikhono lomboleki lokubuyisela imali mboleko ngokunembe kakhulu nangokungakhethi.

Okuhlukanisa i-AAA Lendings akuyona nje inketho ye-P&L esanda kulungiswa, kodwa nokuzibophezela kwayo ekunikezeni isevisi yomuntu siqu. Ithimba eliku-AAA Lendings lisebenzisana eduze nomboleki ngamunye, limqondisa kunqubo yokufaka isicelo semalimboleko. Bayaqonda ukuthi abekho ababoleki ababili abafanayo, ngakho-ke, yonke imali ebolekiwe iphathwa ngendlela ehlukile.
Isipiliyoni esibanzi senkampani emakethe yemalimboleko okungeyona eye-QM, ngeminyaka engama-22 yokugxila, siqinisekisa futhi ubuchwepheshe bayo. Imindeni engaphezu kuka-60,000 isivele isekelwe, futhi ngo-2021 kuphela, isamba semali mboleko evaliwe safinyelela ku-$2 billion. Leli rekhodi lengoma likhuluma kakhulu ngokuthembeka nokusebenza ngempumelelo kwe-AAA Lendings.

Ngokungeziwe ku-P&L ezilungiselele yona, i-AAA Lendings inikeza uhla lweminye imikhiqizo ebolekiwe, njengemalimboleko ye-DSCR lapho imali yokuqasha ingase isetshenziselwe ukufaneleka, imali mboleko yezitatimende zasebhange nayo eyekisa imfuneko yokubuyisela intela, kanye ne-HELOC ngaphandle kwesijeziso esikhokhelwa kusengaphambili. I-QM Community Loan inikezela ngekhredithi eyengeziwe engu-$4,500.
Empeleni, uma uhlose ukuthola iziqu ezilula zokubolekwa imali endaweni ye-American mortgage, inketho ye-P&L ozilungiselele yona evela ku-AAA Lendings iwukhiye wakho wokuvula iminyango yokuba umninikhaya noma impumelelo yokuxhasa ngemali kabusha.