Izindaba Zemboni
Ukuqonda Imalimboleko Yomphakathi ye-QM kanye Nokuyekwa kwe-LLPA
Ukuzulazula emhlabeni oyinkimbinkimbi wezikweletu kungaba inselele, ikakhulukazi uma amagama afana nokuthi "Imalimboleko Yomphakathi ye-QM" kanye "Ne-LLPA Waiver" kuyasebenza. Ukuqonda le mibono kubalulekile kubathengi abafuna ukwenza izinqumo ezinolwazi.
I-QM Community Loan iwuhlobo lwe-Qualified Mortgage eklanyelwe ukuhlangabezana nezidingo zemiphakathi ethile. Lezi zimali mboleko zivame ukufaka izindinganiso zokubhala ngaphansi ezivumelana nezimo, okuzenza zibe acLEZIilingana nohlu olubanzi lwababoleki. I-QM Community Loan ihlose ukuhlinzeka ngezinketho zezimali zezindlu ezifinyelelekayo, ikakhulukazi kulabo abangase bangafaneleki ukuthola imalimboleko evamile. Ngokugxila ezidingweni zomphakathi, lezi zimali mboleko zingasiza ukuvala igebe kubaboleki ababhekana nezinselele zezimali ezihlukile.
Isici esibalulekile se-QM Community Loan ukuhambisana kwayo nomthetho we-Amandla Okubuyisela. Lokhu kuqinisekisa ukuthi ababolekisi baqinisekisa amandla ezezimali omboleki ukuze asingathe imali ebolekiwe, okunciphisa ingcuphe yokungakhokhi. I-QM Community Loan yakhelwe ukunikeza kokubili ukuphepha kubabolekisi kanye nokufinyeleleka kwababolekayo, ukukhuthaza izinqubo zokuboleka ezinomthwalo wemfanelo.
Elinye igama elibalulekile esimweni se-mortgage I-LLPA Waiver. Ukulungiswa Kwentengo Yezinga Lemalimboleko (LLPAs) yimali ehlolwayo ngokusekelwe ezicini eziyingozi zemali mboleko. Lezi zici zingabandakanya amaphuzu esikweletu, isilinganiso semalimboleko kuya kwenani, kanye nohlobo lwesakhiwo esixhaswa ngezimali. Ama-LLPA angaba nomthelela omkhulu ezindlekweni zizonke ze-mortgage, awenze abe ukucatshangelwa okubalulekile kubaboleki.
Ukuyekwa kwe-LLPA kuyaqala ukusebenza njengendlela yokulondoloza izindleko kubaboleki abafanelekayo. Ngokuyeka lezi zimali, ababolekisi banganikeza amanani ancintisanayo, okwenza ubunikazi bezindlu bufinyeleleke kakhulu. Ukuyekwa kwe-LLPA kunenzuzo ikakhulukazi kulabo abanesikweletu esingaphansi kwesiphelele noma labo abathenga izinhlobo zezakhiwo ezihlukile, njengoba kungehlisa imigoqo yezezimali ekutholeni imali yokuthenga indlu.
Kubathengi bezindlu, ukuqonda ukuthi i-QM Community Loan kanye ne-LLPA Waiver kusebenza kanjani ndawonye kungavula iminyango yamathuba amasha. Lezi zinketho zinikeza izindlela ezisebenzayo zokuba umninikhaya, ikakhulukazi kulabo abangase babhekane nezidingo zendabuko zezindlu. Ngokusebenzisa izinzuzo ze-QM Community Loan kanye nokufuna Ukuyekwa kwe-LLPA, ababoleki banganciphisa izindleko futhi bathuthukise amathuba abo okugunyazwa.
Sengiphetha, i-QM Community Loan kanye nokuyekwa kwe-LLPA kungamathuluzi abalulekile embonini yezindlu ezibolekiwe, enikeza izixazululo ezibhekana nezimo zezezimali ezihlukahlukene. Ngokugxila ezidingweni zomphakathi kanye nokunikeza izindlela zokonga izindleko, lezi zinketho zisiza ukwenza iphupho lokuba nekhaya lifinyeleleke kakhudlwana. Kunoma ubani ozulazula endaweni ye-mortgage, ukuqonda le mibono kuyisihluthulelo sokwenza izinqumo ezinolwazi futhi uthole imigomo engcono kakhulu yemali mboleko yakhe yendlu.
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.