Ukuqonda Izinzuzo Zemalimboleko Ye-Non-QM Yabatshalizimali

Emakethe yezindlu ehlala ishintsha, izikweletu ze-Non-Q ziye zavela njengenketho esebenzayo kubatshalizimali abafuna ukuhlukanisa amaphothifoliyo abo. Umtshali-zimali we-A-QM angakwazi ukusebenzisa lezi zimali mboleko ukuze avikele izakhiwo ezingase zingahambisani nenqubo yokuboleka evamile. Kulesi sihloko, sizohlola izinzuzo zokubolekwa kwe-NonM kubatshalizimali nokuthi lezi zimali mboleko zingashintsha kanjani umdlalo ku-real estate.utshalomaliindawo.

Yini aImalimboleko engeyona ye-Qm?

Imali mboleko ye-Non-QM, noma i-Non-Qualified Mortgage, iwuhlobo lwemali mboleko olungahambisani nemihlahlandlela evamile yokuboleka ebekwe yi-Consumer Financial Protection Bureau (CFPB). Le mihlahlandlela, eyaziwa ngokuthi imithetho ye-Qualified Mortgage (QM), yasungulwa ukuze kuqinisekiswe ukuthi ababoleki banamandla okubuyisela imali abayibolekile. Kodwa-ke, imalimboleko ye-Non-QM inikeza ukuguquguquka okwengeziwe, okuyenza ibe inketho ekhangayo yeNon-Qm Investor.

Izinzuzo Zemalimboleko Ye-Non-QM Yabatshalizimali

1. Imibandela Yokufaneleka Eguquguqukayo

   • Enye yezinzuzo eziyinhloko zomtshali-zimali ongeyena we-QM imibandela yokufaneleka evumelana nezimo. Ngokungafani nemalimboleko evamile, imali mboleko ye-Non-QM icabangela ezinye izindlela zokuqinisekisa imali engenayo, njengezitatimende zasebhange, ukusetshenziswa kwempahla, kanye nemali yokuqasha. Lokhu kuvumelana nezimo kuvumela abatshalizimali abanemithombo yemali engenayo engajwayelekile ukuthi bafanelekele ukubolekwa.

2. Imikhawulo Ephakeme Yemalimboleko

   • Izimalimboleko ezingezona ze-QM zivame ukuza nemikhawulo ephezulu yemalimboleko uma kuqhathaniswa nezimali mboleko ezijwayelekile. Lokhu kuzuzisa kakhulu kumtshali-zimali okungeyena we-QM ofuna ukuthenga izakhiwo zenani eliphezulu noma izindawo zokutshala izimali eziningi. Ikhono lokuvikela amanani emalimboleko amakhulu lingawathuthukisa kakhulu amandla okuthenga omtshali-zimali.

3. Imigomo Yemali Ebolekwa ngokwezifiso

   • Izimali mboleko ezingezona ze-QM zinikeza imigomo yemalimboleko engenziwa ngendlela oyifisayo engalungiselelwa ukuhlangabezana nezidingo ezithile zomtshali-zimali ongeyena we-QM. Kungakhathaliseki ukuthi izinkokhelo zenzalo kuphela, imali ebolekiwe enenani elishintshwayo, noma imigomo ende yemalimboleko, abatshalizimali bangakhetha isakhiwo esiqondana kangcono namasu abo okutshala imali.

4. Inqubo Yemvume Esheshayo

   • Inqubo yokugunyaza imali mboleko ye-Non-QM ivamise ukushesha kunaleyo yemali mboleko evamile. Kumtshali-zimali ongeyena we-QM, lokhu kusho ukukwazi ukubamba amathuba otshalomali ngokushesha ngaphandle kokubambezeleka okude okuvame ukuhlotshaniswa nokugunyazwa kwemali mboleko evamile. Lesi sivinini singabaluleka ezimakethe ezincintisanayo zezindlu ezithengiswayo.

5. Ukuhlukahluka kwe-Investment Portfolio

   • Ngokusebenzisa imali mboleko ye-Non-QM, umtshali-zimali ongeyena we-QM angakwazi ukuhlukanisa iphothifoliyo yakhe yokutshala imali. Lezi zimali mboleko zingasetshenziselwa ukuxhasa ngezimali izinhlobo zezakhiwo ezahlukahlukene, okuhlanganisa izindawo zokuhlala, ezohwebo, kanye nezindawo ezisetshenziswa ngokuxubile. Ukuhlukahluka kungasiza ukunciphisa ubungozi futhi kwandise imbuyiselo engaba khona.

Isiphetho

Izimalimboleko ezingezona ze-QM zinikeza inketho yokuxhasa ngemali eyingqayizivele neguquguqukayo kubatshalizimali abafuna ukwandisa iphothifoliyo yabo yezindlu nezindlu. Kumtshali-zimali ongeyena we-QM, izinzuzo zifaka imibandela yokufaneleka evumelana nezimo, imikhawulo ephezulu yemalimboleko, imigomo yemalimboleko engenziwa ngendlela oyifisayo, inqubo yokugunyaza esheshayo, kanye nekhono lokuhlukanisa ukutshalwa kwezimali. Ngokuqonda nokusebenzisa lezi zinzuzo, abatshalizimali bangavula amathuba amasha futhi bathole impumelelo enkulu emakethe yezindlu nezindlu.