12/05/2023

Ukuzulazula ku-Dynamics of Wholesale Non-QM Lending

Esimeni esiguqukayo njalo soxhaso lwezindlu, i-Wholesale Non-QM Lending Solutions ivela njengesibani sokuguquguquka nokusungula izinto ezintsha.Lo mhlahlandlela obanzi uhlose ukukhanyisa izici, izinzuzo, nokucatshangelwa okuhambisana nalezi zixazululo ezikhethekile zokuboleka, eziklanyelwe ukuhlangabezana nezidingo ezihlukahlukene zababoleki kanye nokunika amandla ochwepheshe bezindlu ezithengiswayo emakethe yezitolo ezinkulu.

Ukuqonda Izisombululo Zokuboleka Izitolo Ezithengisa Izitolo Ezithengisa Ngempahla Ethengiswayo Ezitolo Ezithengisa Izitolo Ezithengisa Izitolo Ezithengisa Ngezinto Ezangaphandle Kwe-QM

I-Wholesale Non-QM Lending Solutions ibhekelela abadayisi bezindlu kanye nezingcweti ezifuna ezinye izindlela zokuthola imali kumakhasimende okungenzeka angahambisani nenqubo yendabuko yokuboleka imali.Lezi zixazululo zidlula izindinganiso ezivamile, zinikeza indlela evumelana nezimo futhi eyenziwe ngokwezifiso ukuhlangabezana nezimo eziyingqayizivele zababoleki.

Izimpawu Ezisemqoka Zokubolekwa Kwezitolo Ezidayisa Isitolo Esitolo Sezitolo Ezingenzi-QM

1. Imikhiqizo Ehlukahlukene Yemalimboleko:
   • Uhlolojikelele: I-Wholesale Non-QM Lending ihlanganisa uhla lwemikhiqizo ebolekiwe ehlinzekela izimo ezihlukahlukene, okuhlanganisa ababolekayo abanemali engenayo okungeyona eyendabuko, izimo zezimali ezihlukile, noma ukuthengiselana kwezakhiwo okuyinkimbinkimbi.
   • Umthelela: Ochwepheshe bezezindlu bathola ukufinyelela kusethi ehlukahlukene yezixazululo, okubenza bakwazi ukubhekana nezidingo ezithile zamakhasimende abo.
2. Indlela ye-Broker-Centric:
   • Uhlolojikelele: Lezi zixazululo zokuboleka zidizayinelwe kucatshangwa ngabadayisi bezindlu, okubavumela ukuthi basebenze njengabaxhumanisi phakathi kwababoleki nababolekisi abahlinzeka ngemikhiqizo engeyona ye-QM.
   • Umthelela: Abadayisi bezindlu ezibolekwayo bangasebenzisa ubuchwepheshe babo ukuze baxhumanise amakhasimende nababolekisi abanikeza izixazululo ze-Non-QM, okugqugquzela ukuzizwisa komuntu siqu nokugxile kumakhasimende.
3. Imibandela Yokubhala Ngaphansi Eguquguqukayo:
   • Uhlolojikelele: Ababolekisi be-Wholesale Non-QM bavame ukusebenzisa imibandela yokubhala ngaphansi evumelana nezimo, becabangela uhla olubanzi lwezinto ezingaphezu kwamamethrikhi emali engenayo kanye nekhredithi.
   • Umthelela: Ababoleki abanamaphrofayela ezezimali ahlukile noma labo ababhekene nezinselele ekutholeni uxhaso lwendabuko lwezimali bangathola izinketho ezisebenzayo ngalawa mazinga okubhala ngaphansi avumelana nezimo.

Izinzuzo Nokucatshangelwa Kwabasebenzi Bezindlu Zokuboleka

1. Iminikelo Enwetshiwe Yomkhiqizo:
   • Inzuzo: Ochwepheshe bezindlu ezibolekiwe bathola ukufinyelela kuphothifoliyo ehlukahlukene yemikhiqizo yemalimboleko ye-Non-QM, okubavumela ukuthi babhekane nezinhlobonhlobo zezidingo zamaklayenti.
   • Ukucatshangelwa: Ukuhlala unolwazi ngezici nezimfuneko zomkhiqizo ngamunye kubalulekile ukuze uqondanise ngempumelelo amakhasimende nezixazululo ezifanele.
2. Izixazululo Ezihlanganisiwe Zezimo Eziyinselele:
   • Inzuzo: I-Wholesale Non-QM Lending Solutions inika amandla ochwepheshe bezindlu ezibolekwayo ukuze basize amakhasimende abhekene nezinselele ezifana nokuzisebenza, imithombo engeyona eyendabuko yemali engenayo, noma izinkinga zezikweletu.
   • Ukucatshangelwa: Ukuqonda kahle imibandela ethile kanye nezidingo zemibhalo zomkhiqizo ngamunye Ongeyona i-QM kubalulekile ukuze kube nemiphumela eyimpumelelo yeklayenti.
3. Ukusebenzisana Okuthuthukisiwe Kombolekisi-mali:
   • Inzuzo: Indlela yokugxila kumthengisi ikhuthaza ukusebenzisana phakathi kochwepheshe bezindlu ezibolekiwe nababolekisi be-Non-QM, kudala isimo sokuboleka esiguqukayo nesisabelayo.
   • Ukucatshangelwa: Ukusungula ubudlelwano obuqinile nababolekisi be-Non-QM kungaholela emisebenzini esebenza kahle kakhulu nokusekelwa okungcono kwamaklayenti anezidingo zezimali ezihlukile.

Ukucatshangelwa kwabasebenzi be-Mortgage

1. Ulwazi Oluphelele Lomkhiqizo:
   • Okutuswayo: Ochwepheshe bezezindlu kufanele bachithe isikhathi ekuqondeni izici, izinzuzo, kanye nemibandela yokufaneleka yomkhiqizo ngamunye we-Wholesale Non-QM ukuze baqondise ngempumelelo amakhasimende abo.
2. Ukuxhumana Okucacile Namakhasimende:
   • Okutuswayo: Ukuxhumana okusobala namaklayenti mayelana nemvelo yemali mboleko ye-Non-QM, okuhlanganisa ubungozi obungaba khona kanye nezinzuzo, kubalulekile ekwakheni ukwethembana nokuqinisekisa ukuthathwa kwezinqumo unolwazi.
3. Ukujwayela Ukushintsha Izimo Zemakethe:
   • Okutuswayo: Ukuhlala unolwazi mayelana nezimakethe, izinguquko zemithetho, nezibuyekezo endaweni yokuboleka okungeyona i-QM kubalulekile ukuze kulungiswe amasu nokuhlinzeka ngezixazululo ezifanele.

Ukuzulazula kunqubo yokuboleka kweWholesale okungeyona i-QM

1. Ukusungula Ubudlelwano Obuqinile Bomabolekisi:
   • Isiqondiso: Hlakulela ubudlelwano nababolekisi abathembekile be-Wholesale Non-QM, uqonde ukunikezwa kwemikhiqizo yabo, amazinga esevisi, kanye nezidingo.
2. Imfundo Yekhasimende Nokubonisana:
   • Isiqondiso: Fundisa amaklayenti mayelana nezinzuzo nokucatshangelwa kwemali mboleko ye-Non-QM, uqhube ukubonisana okuphelele ukuze uqondanise izixazululo nezimo zawo zezimali ezihlukile.
3. Ukuthuthukiswa Kochwepheshe Okuqhubekayo:
   • Isiqondiso: Zibandakanye ekuthuthukisweni kochwepheshe okuqhubekayo ukuze uhlale wazi ngezinguquko zemboni, uhambele izikhathi zokuqeqeshwa ezihlinzekwa ngababolekisi be-Non-QM, futhi ubambe iqhaza kuma-workshops afanelekile.

Isiphetho: Ukuphakamisa Izixazululo Zezindlu Zokubolekwa Ngokwenza Izinto Ezintsha

I-Wholesale Non-QM Lending Solutions imele ukushintsha kwepharadigm embonini yezindlu ezibolekwayo, ihlinzeka ngekhithi yamathuluzi enemisebenzi eminingi yochwepheshe bezezindlu ukuze bazulazule ezinkingeni zoxhaso lwesimanjemanje.Njengoba isidingo sezixazululo zokuboleka ezivumelana nezimo nezivumelanayo siqhubeka sikhula, ochwepheshe bezindlu ezibolekiwe abamukela iminikelo ye-Wholesale Non-QM bazibeka njengabakhulumeli abanamandla bamakhasimende afuna ezinye izindlela zokubolekwa kwempahla yendabuko.Ngokubambisana, imfundo, kanye nokuzivumelanisa nezimo, umshado wabasebenzi bezindlu ezibolekwayo kanye ne-Wholesale Non-QM Lending Solutions ivula indlela yemakethe yemali yempahla ebandakanya wonke umuntu futhi esabelayo.

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.