Ukuvula Amanani Aphansi: Inzuzo Yababoleki Be-P&L Abazilungiselele Self

Emhlabeni oyinkimbinkimbi wemali ebolekwayo yaseMelika, ababoleki abathembele kuzitatimende ezilungiselelwe bona ze-P&L bavame ukubhekana nesethi eyingqayizivele yezinselele. Kodwa-ke, ukubolekwa kwe-AAA kuvela njengokushintshwa komdlalo, ukunikelaIzinga Eliphansis yakhelwe ngokukhethekile lesi sigaba sababoleki.

Enye yezinzuzo ezibalulekile ezinikezwa yi-AAA Lendings wukuvumelana nezimo ekubhaleni ngaphansi. Ababolekisi bendabuko bangase bajikise ababoleki nge-P&L ezilungiselele yona ngenxa yengozi ebonwayo. Kodwa ku-AAA Lendings, lapho abanye bethi "Cha", bathi "Yebo". Le ndlela ivumela abantu abazisebenzayo kanye nalabo abanemali engenayo emuncuLEZIukuthola imalimboleko yezindlu ngamanani ahehayo.

Thatha isimo sababoleki be-P&L abazilungiselele bona abavamise ukuthwala kanzima ukuze bahlangabezane nezimfuneko eziqinile zokubuyisela intela yemalimboleko evamile. Izinhlelo ze-AAA Lendings ziqeda isidingo sembuyiselo yentela. Kunalokho, bagxila ku-P&L ezilungisele yona, okuvumela ababoleki ukuthi babonise impilo yabo yezezimali ngokusekelwe kumarekhodi abo. Lokhu akwenzi nje kuphela inqubo yesicelo ibe lula kodwa futhi kuvula umnyango wemalimboleko enenzalo ephansi.

Uhlelo lwe-“DSCR Kuphela I-Non-QM Loan & QM Etholakalayo” luyisibonelo esihle kakhulu. Ngemali eqashiwe efanelekile ngaphansi kwalolu hlelo, ababoleki bangakwazi ukusebenzisa izindawo zabo zokutshala imali ukuze bathole imali mboleko. Lokhu kuzuzisa kakhulu kubaboleki be-P&L abazilungiselele bona abangase babe nemifudlana yemali engenayo evela ekutshalweni kwezindlu nemizi.

Ngaphezu kwalokho, isivinini i-AAA Lendings ecubungula ngaso imali mboleko siyamangaza. Isikhathi sokuvala esimaphakathi siphakathi kwamaviki ama-3, futhi kwezinye izimo, sishesha amaviki ama-2. Lokhu kushintsha okusheshayo kuqinisekisa ukuthi ababoleki bangasebenzisa amanani aphansi ngaphandle kokubambezeleka okungadingekile. Emakethe lapho izilinganiso zenzalo zingashintsha ngokushesha, lesi sivinini sibalulekile.

Ubufakazi obuvela kumakhasimende anelisekile bukhuluma kakhulu ngekhwalithi yesevisi. Ababolekayo bancome iqembu ngobunyoninco nokuzinikela. Abakwazanga nje kuphela ukuthola amanani aphansi kodwa futhi babe nenqubo yokuboleka imali engenamthungo.

Sengiphetha, uma ungumboleki ozilungiselele we-P&L ofuna amanani aphansi, I-AAA Lendings iyindawo ongayijika. Izinhlelo zabo ezintsha, ukubhala phansi okuguquguqukayo, nezikhathi zokuvala ngokushesha zibenza babe uzakwethu okahle ohambweni lwakho lwe-mortgae.