M'malo omwe akusintha nthawi zonse andalama zobwereketsa nyumba, osunga ndalama omwe si a QM (Non-Qualified Mortgage) amatenga gawo losiyana popereka njira zina zothetsera kubwereketsa kwachikhalidwe.Chitsogozo chatsatanetsatanechi chimayang'ana za omwe akugulitsa omwe si a QM, ndikuwulula kufunikira kwawo, mapindu omwe amabweretsa kwa obwereka, ndi malingaliro ofunikira kwa iwo omwe akufufuza njira zangongole kunja kwa gawo wamba.
Kumvetsetsa Omwe Alibe a QM Investors
Osunga ndalama omwe si a QM ndi mabungwe omwe amaika ndalama ndikuthandizira ngongole za Non-QM.Ngongolezi zimapatuka pamikhalidwe yokhwima yokhazikitsidwa ndi Qualified Mortgages (QM) pansi pa Dodd-Frank Wall Street Reform and Consumer Protection Act.Ngongole zomwe si za QM zimaperekedwa kwa obwereketsa omwe sangakwaniritse miyambo yobwereketsa koma amakhala ndi ndalama zapadera.
Kufunika kwa Ogulitsa Osakhala a QM
1. Kukulitsa Mwayi Wopeza Ndalama Zanyumba Yanyumba
Osunga ndalama omwe si a QM amatenga gawo lofunikira pakukulitsa mwayi wopeza ndalama zanyumba.Amapereka kwa obwereka omwe, pazifukwa zosiyanasiyana, amagwera kunja kwa njira zokhazikitsidwa ndi malamulo a QM.Kuphatikizika uku kumapangitsa kuti anthu osiyanasiyana azitsatira eni nyumba.
2. Kusinthasintha mu Zofunikira Zolemba
Mosiyana ndi ngongole za QM zokhala ndi njira zovomerezeka zolembera, osunga ndalama omwe si a QM amapereka kusinthasintha.Amaganizira zinthu zambiri poyesa kuyenerera kwa wobwereketsa, kuphatikiza magwero osagwirizana ndi ndalama komanso momwe ndalama zimakhalira.
3. Kusamalira Anthu Odzilemba Ntchito Pawokha
Chimodzi mwazinthu zodziwika bwino za ngongole za Non-QM ndikukopa kwawo kwa anthu odzilemba okha.Obwereketsawa nthawi zambiri amakumana ndi zovuta pakulemba ndalama pogwiritsa ntchito njira zachikhalidwe, ndipo osunga ndalama omwe si a QM amapereka mayankho ogwirizana ndi mbiri yawo yazachuma.
4. Kuthandizira Ogulitsa Malo Ogulitsa Malo
Ogulitsa omwe si a QM ndiwothandiza kwambiri pothandizira osunga nyumba.Kaya ndikulipirira mapulojekiti okonzanso ndikusintha kapena kupeza malo obwereketsa, ngongole za Non-QM zimapereka kusinthasintha komanso kuthamanga komwe osunga nyumba amafuna nthawi zambiri.
5. Kuthana ndi Mavuto a Ngongole
Obwereketsa omwe ali ndi zovuta zangongole, monga kubweza kwaposachedwa kapena kutsekeredwa, atha kupeza zosankha ndi omwe si a QM.Ogulitsa awa ali okonzeka kuyang'ana kupyola pa ngongole ndi kulingalira chithunzi chonse cha zachuma cha wobwereka.
Ubwino wa Ngongole Zopanda QM kwa Obwereketsa
1. Mayankho Ogwirizana
Ngongole zomwe si za QM zimalola kuti pakhale mayankho ogwirizana omwe amakwaniritsa zosowa za obwereka.Kaya ndivuto lazachuma kapena mtundu wanyumba, ngongole za Non-QM zimapereka makonda omwe ngongole zanyumba sizingapereke.
2. Njira Yovomerezeka Mwamsanga
Kusinthidwa kwa ngongole za Non-QM nthawi zambiri kumabweretsa njira zovomerezera mwachangu.Izi ndizothandiza makamaka ngati nthawi ili yofunika kwambiri, monga mwayi wogula malo omwe amafunikira kuchitapo kanthu mwachangu.
3. Kubwereketsa Motengera Katundu
Ngongole zomwe si za QM nthawi zambiri zimagwiritsa ntchito kubwereketsa kotengera katundu, pomwe mtengo wa malowo ndiwofunikira kwambiri.Izi zitha kukhala zopindulitsa kwa obwereka omwe ali ndi zinthu zazikulu koma zopeza zosagwirizana.
4. Dziwe Lowonjezera Lobwereka
Ngongole zomwe si za QM zimakulitsa dziwe la obwereketsa polandira omwe sangafanane ndi chikhalidwe chobwereketsa.Kuphatikizikaku kumalimbikitsa msika wosiyanasiyana komanso wopezeka wobwereketsa nyumba.
5. Kukwaniritsa Zolinga Zapadera Zogulitsa Malo
Kwa obwereketsa omwe ali ndi zolinga zapadera zanyumba, monga kugula nyumba yosavomerezeka kapena kulipirira malo okhala ndi umwini wovuta, ngongole za Non-QM zimapereka kusinthasintha kofunikira kuti mukwaniritse zolingazi.
Zoganizira kwa Obwereketsa Kufufuza Zosankha Zopanda QM
1. Mvetserani Bwino Migwirizano ndi Zokwaniritsa
Musanasankhe ngongole yosakhala ya QM, obwereka akuyenera kumvetsetsa bwino zomwe zikuyenera kuchitika.Izi zikuphatikiza chiwongola dzanja, mawu obweza, ndi zofunikira zilizonse zomwe woyimilira yemwe si wa QM apanga.
2. Funsani ndi Akatswiri a Mortgage
Kufunafuna chitsogozo kuchokera kwa akatswiri obwereketsa nyumba ndikofunikira mukamayang'ana zosankha za Non-QM.Alangizi a ngongole zanyumba amatha kupereka zidziwitso, kuwunika momwe chuma chikuyendera, ndikupangira mayankho oyenera omwe si a QM.
3. Ganizirani Zomwe Zingachitike Pazachuma Zakale
Obwereketsa akuyenera kuwunika bwino momwe ndalama zingakhudzire ngongole za Non-QM.Ngakhale ngongole izi zimapereka kusinthasintha, ndikofunikira kulingalira momwe mawuwo amagwirizanirana ndi zolinga zachuma zanthawi yayitali.
4. Fananizani Otsatsa Angapo Osakhala a QM
Monga momwe zimakhalira ndi ngongole zanyumba, obwereketsa amayenera kufananiza zopereka kuchokera kwa omwe sali a QM angapo.Izi zikuphatikiza kuwunika chiwongola dzanja, chindapusa, komanso mbiri yonse ya omwe sali a QM Investor.
Kutsiliza: Kupatsa Mphamvu Obwereketsa ndi Mayankho Osakhala a QM
Ogulitsa omwe si a QM amabweretsa gawo lofunikira pamsika wandalama popereka njira zina zomwe zimathandizira obwereketsa osiyanasiyana.Kaya ikupereka kusinthasintha pakulemba kapena kuthandizira zolinga zosagwirizana ndi malo ndi nyumba, ngongole za Non-QM zimathandizira obwereka kuti azitsatira eni nyumba ndi kugulitsa nyumba malinga ndi zomwe akufuna.
Pamene obwereketsa akufufuza zosankha za Non-QM, kumvetsetsa kufunikira kwa osunga ndalama omwe si a QM, mapindu omwe amapereka, ndi mfundo zazikuluzikulu zimakhala zofunika kwambiri.Ndi chitsogozo choyenera komanso kumvetsetsa bwino zolinga zandalama zapayekha, ngongole za Non-QM zitha kukhala chisankho chanzeru komanso chopatsa mphamvu pakusintha kwandalama zanyumba.
Nthawi yotumiza: Nov-18-2023