11/18/2023

Ababolekisi bezindlu ezithengiswayo badlala indima ebalulekile emakethe yezindlu ezibolekiwe, behlinzeka ngemikhiqizo yemali mboleko kubadayisi ngamanani ama-wholesale.Kubathengi abafuna ukuguquguquka nezisombululo eziyingqayizivele, imikhiqizo ye-mortgage engafanelekile (okungeyona eye-QM) ibaluleka ngokukhethekile.Kulo mhlahlandlela obanzi, sihlola isimo esiyinkimbinkimbi sababolekisi bezindlu ezithengiswayo, sigxile emazingeni abo okungewona awe-QM, sihlola ukuthi yini ebahlukanisayo, futhi sinikeza imininingwane yabadayisi abazulazula kule ngxenye yemakethe ekhethekile.

Ukuqonda Ababolekisi Bezindlu Ezithengiswayo

Ababolekisi bezindlu ezithengiswayo basebenza njengabalamuli phakathi kwabadayisi bezindlu kanye nezikhungo ezihlinzeka ngemali.Bahlinzeka ngemikhiqizo ye-mortgage kubathengi ngamanani ama-wholesale, okuvumela ama-broker ukuthi afinyelele izinketho nemibandela yemalimboleko ehlukahlukene.

Imikhiqizo okungeyona ye-QM: Izixazululo Ezihlanganisiwe Zamacala Ahlukile

Imikhiqizo yempahla yendlu engafanelekile ibhekelela ababolekayo abangafinyeleli imibandela eqinile yezikweletu zendabuko eziqeqeshiwe.Le mikhiqizo yakhelwe ukubhekana nezimo zezimali ezihlukile, okuyenza ikhange ikakhulukazi kubaboleki abanemithombo yemali engenayo engajwayelekile noma amaphrofayili esikweletu.

Izici Ezibalulekile Zababolekisi Bezindlu Ezithengiswayo Ezithengiswayo Abanikeza Amanani Angewona awe-QM

1. Imibandela Yokubhala Ngaphansi Eguquguqukayo

Ababolekisi abasebenza ngemikhiqizo okungeyona ye-QM ngokuvamile banemibandela yokubhala ngaphansi evumelana nezimo.Bacabangela ububanzi obubanzi bezinto ezingaphezu kwamamethrikhi emali engenayo kanye nekhredithi, okuvumela indlela engokwezifiso yokuhlola ukufaneleka komboleki.

2. Iminikelo Yomkhiqizo Ongeyona eye-QM Ehlukahlukene

Ababolekisi bazihlukanisa ngokunikela ngezinhlobonhlobo zemikhiqizo engeyona eye-QM.Lokhu kungafaka imali mboleko yezitatimende zasebhange yabantu abazisebenzayo, imali ebolekiwe ngenzalo kuphela, nezinye izixazululo eziklanyelwe.Abadayisi bayazuza ngokufinyelela ezinhlotsheni ezihlukahlukene ezingezona eze-QM ukuze bahlangabezane nezidingo ezithile zamakhasimende abo.

3. Amanani Angena-QM Aqhudelanayo

Amanani ancintisanayo ayisici esichazayo sababolekisi bezindlu ezithengiswayo endaweni okungeyona eye-QM.Ababolekisi abanikeza izilinganiso ezikhangayo nezincintisanayo banikeza abadayisi amandla ukuze bethule izixazululo zezezimali eziphoqelelayo kubaboleki okungenzeka bangafaneleki ukuthola izikweletu ezivamile.

4. Ukusebenza kahle kwe-Non-QM Loan Processing

Ukusebenza kahle ekucubunguleni imalimboleko okungeyona eye-QM kubalulekile.Ababolekisi abaqondisa inqubo yokugunyaza kanye noxhaso lwezimali mboleko okungezona ze-QM banikeza abathengisi ithuba lokuncintisana.Izikhathi zokushintsha ngokushesha zifaka isandla ekwenzeni kube lula kubo bobabili abathengisi nababolekayo.

5. Izakhiwo Zemali Engagwegwesi Ye-QM Esobala

Izakhiwo zenkokhelo esobala zibalulekile kubathengi abasebenza ngemikhiqizo engeyona eye-QM.Ukuxhumana okucacile mayelana nezinkokhelo ezihlobene nezimali mboleko okungezona ze-QM kuvumela abathengisi ukuthi banikeze amakhasimende ukuqonda okuphelele kwezici zezimali ze-mortgage yawo.

Amasu Abathengi Abahlola Amanani Angewona awe-QM

1. Ucwaningo Nokukhuthala Okufanelekile

Abathengi kufanele benze ucwaningo olunzulu ngababolekisi bezindlu ezithengiswayo abasebenza ngemikhiqizo okungeyona eye-QM.Ukuhlola ukunikezwa kwababolekisi, amanani, nezibuyekezo kunikeza imininingwane ebalulekile yokwenza izinqumo ezinolwazi.

2. Ukwakha Ubudlelwano Nababolekisi Abangeyona I-QM

Ukusungula ubudlelwano obuqinile nababolekisi abangeyona i-QM kubalulekile.Abathengi abakhuthaza ubudlelwano bokusebenzisana nalaba babolekisi banamathuba amaningi okufinyelela amanani okuncintisana nezixazululo ezenziwe ngokwezifiso zamakhasimende abo.

3. Hlala Unolwazi Ngamathrendi emakethe okungewona awe-QM

Ukuhlala unolwazi mayelana namathrendi emakethe okungeyona eye-QM kubalulekile.Abadayisi badinga ukuqonda isimo sezwe esiguqukayo, okuhlanganisa nezinguquko ekuthandeni abatshalizimali ngemali mboleko okungeyona eye-QM nanoma yiziphi izinguquko ekucatshangelweni kokulawula.

4. Fundisa Abathengi Ngezinketho Ezingezona ze-QM

Abathengi kufanele bafundise amaklayenti ngokuqhubekayo mayelana nezinketho ezingezona ze-QM.Ukuxhumana okucacile mayelana nezinzuzo nokucatshangelwa kwemikhiqizo okungeyona eye-QM kusiza amaklayenti enze izinqumo ezinolwazi mayelana nokukhetha kwawo kwendlu yezindlu.

Isiphetho

Ukuzulazula endaweni yababolekisi bezindlu ezithengiswayo kanye nezilinganiso ezingezona ze-QM kudinga indlela yesu.Abathengi abafuna ukunikeza izixazululo ezihambisanayo kumakhasimende anezimo zezimali ezihlukile bayazuza ngokuvumelanisa nababolekisi bezitolo abakhulu abasebenza ngemikhiqizo okungeyona eye-QM.Lo mhlahlandlela ugcizelela izici ezibalulekile ezihlukanisa ababolekisi bezitolo ezinkulu endaweni okungeyona eye-QM, ehlinzeka abathengisi ngemininingwane engenzeka ukuze baphumelele kule ngxenye eguquguqukayo nekhethekile yemakethe yezindlu ezibolekiwe.

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.