Kungani Imalimboleko Yomphakathi ye-QM Ilungele Ikhaya Lakho Lokuqala

Ingabe usukulungele ukungena ekubeni ngumninikhaya? IImalimboleko Yomphakathi ye-QMkusuka ku-AAA Capitalutshalomali, Inc. kungaba ukhiye wakho wokuvula lelo phupho, ikakhulukazi uma ungumthengi wokuqala ngqa ofunaOkuyinhlokoyokuhlala kuphela. Lo mkhiqizo we-mortgage wenzelwe ukwenza lula inqubo, ukunikezaakukho ukulungiswa kokuthengwakanye nokwamukelaabathengi bezindlu okokuqalangezingalo ezivulekile. Ake sicwilise ukuthi kanjani lokhuImalimboleko yomphakathiihlukile, ihlanganisa ukwethembeka okusekelwe yi-ejensi nezici ezilungele umboleki.

IImalimboleko Yomphakathi ye-QMyakhelwe phezu komqondo weindawo yokuhlala yokuqala kuphelaukuhlala, njengoba kuchaziwe ku-Matrix. Lokhu kusho ukuthi yakhelwe abantu abafuna ukuhlala emizini yabo—hhayi ukuyiphenya noma ukuyiqashisa. Cabanga ngoJohn, umakhenikha oneminyaka engu-32 eMichigan. Wasebenzisa aImalimboleko yomphakathiukuthenga ikhaya elithokomele elineyunithi engu-1 ngonyaka odlule. Nge-LTV ephezulu engu-97% kanye nenketho yesilinganiso esimisiwe seminyaka engu-30, uthole uxhaso ngemali encane yangaphambili. Ukugxila ezindaweni zokuhlala eziyinhloko kuqinisekisa ukuthi ababoleki abafana noJohn bakha izimpande, baqinise imiphakathi yendawo—ikhaya elilodwa ngesikhathi.

Ngobaabathengi bezindlu okokuqala, lesi sikweletu sikhanya ngokugqamile. Asikho isilinganiso sokuthi bangaki abantu abaqalayo abangafaka isicelo, futhi i-Matrix ivumela izakhamuzi zase-US, izakhamuzi ezihlala unomphela, ngisho nezakhamuzi zesikhashana ukuthi zifaneleke. Futhi, nge-FICO encane engu-620, ifinyeleleka kulabo abasakha isikweletu sabo. Thatha uMaria, umhlengikazi waseNevada, owayengakaze abe nekhaya ngaphambili. Wakhetha u-aImalimboleko Yomphakathi ye-QMfuthi wazisa iakukho ukulungiswa kokuthengwaisici, esigcine izinga lakhe lenzalo liqinile. Ukulandela imihlahlandlela ye-ejensi, inqubo yakhe yemalimboleko ibishelela, nemiphumela ye-AUS eyiqondisa indlela.

Iakukho ukulungiswa kokuthengwai-perk iyigugu elifihliwe. Ngokungafani nezinye izikweletu ezilungisa amanani noma izimali ezikhokhwayo ngokusekelwe enjongweni yemalimboleko, iImalimboleko yomphakathiigcina izinto zingaguquguquki ekuthengeni, ezimalini kabusha, noma izinketho zokukhipha imali. Lokhu kubikezela kuyinzuzo kubathengi abaqaphela ibhajethi. Ibhangqwe nemikhawulo yemalimboleko ye-ejensi kanye nesinxephezelo esilinganiselwe esingu-$4,500, ukukhetha okusebenzayo kwezakhiwo ezifana nama-PUD noma amakhaya amayunithi angu-2-4. Kodwa-ke, gwema izakhiwo ezingafaneleki njengama-condotel noma umhlaba wezolimo, njengoba i-Matrix ibeka kuqala izinhlobo zokuhlala ezijwayelekile.

Ukusuka ekuyekeni kokulinganisa ukuya ekuzinzeni kwezinga elimisiwe, iImalimboleko Yomphakathi ye-QMinika amandlaabathengi bezindlu okokuqalaukubanga aboindawo yokuhlala yokuqala kuphelangokuzethemba. Kungaphezu kokubolekwa imali—kuyisisekelo sekusasa lakho.