Kuyenda Padziko Lonse La Ngongole Za Non-QM Mosavuta

M'malo omwe akusintha nthawi zonse azandalama zogulitsa nyumba, ngongole za Non-QM (Non-Qualified Mortgage) zimawonekera ngati yankho lamphamvu kwa obwereketsa omwe sakugwirizana ndi chikhalidwe chobwereketsa.Bukuli likufuna kusokoneza momwe ngongole za Non-QM zikuwonekera, kuwonetsa momwe zida zandalamazi zitha kufikidwira komanso kukhala zosavuta kwa iwo omwe akufuna njira zina zobwereketsa nyumba.

Kumvetsetsa Ngongole Zopanda QM

Ngongole zomwe si za QM zimadzaza mpata wofunikira pamsika wobwereketsa nyumba popereka chithandizo kwa anthu omwe ali ndi mbiri yapadera yazachuma yomwe sangakwaniritse njira zokhazikika za Ma Mortgages wamba.Mosiyana ndi ngongole zachikhalidwe, ngongole za Non-QM zimatenga njira yosinthira polemba, poganizira zinthu zambiri zopitilira ndalama zomwe amapeza komanso ma metric angongole.

Zofunika Kwambiri pa Ngongole Zopanda QM Zosavuta

1. Njira Yosinthira Ntchito:
   • Mwachidule: Ngongole zosakhala za QM zidapangitsa kuti ntchito yofunsira ikhale yosavuta kukhala yoyamba, kuchepetsa zolembedwa zomwe zimagwirizanitsidwa ndi kubwereketsa nyumba.
   • Zotsatira zake: Obwereketsa amakhala ndi njira yovomerezeka yofulumira komanso yothandiza kwambiri, zomwe zimapangitsa kuti ndalama zogulira nyumba zitheke.
2. Zosintha Zosavuta Zolembera:
   • Mwachidule: Ngongolezi zimaphatikiza njira yosinthira yolembera, poganizira zinthu monga masitatimenti akubanki, ndalama zotengera katundu, kapena njira zopezera ndalama zosakhazikika.
   • Zotsatira zake: Obwereketsa omwe ali ndi njira zopezera ndalama zosavomerezeka kapena omwe sakwaniritsa zofunikira zachikhalidwe pantchito atha kupeza njira zopezera ndalama.
3. Zomveka komanso Zowonekera:
   • Mwachidule: Ngongole zomwe si za QM zidapangitsa kuti zikhale zosavuta kutsindika mawu omveka bwino komanso omveka bwino, kuwonetsetsa kuti obwereka akumvetsetsa bwino momwe ngongoleyo imafunikira.
   • Zotsatira zake: Obwereketsa amatha kupanga zisankho zodziwika bwino, kuchepetsa chiopsezo cha zovuta zosayembekezereka panthawi ya ngongole.

Ubwino ndi Kuganizira kwa Obwereka

1. Kupeza Ndalama Zosiyanasiyana:
   • Ubwino: Ngongole zosakhala za QM zidatsegula zitseko zosavuta kwa obwereketsa omwe akukumana ndi zochitika zapadera, monga kudzilemba ntchito, zochitika zangongole zaposachedwa, kapena njira zovuta zopezera ndalama.
   • Lingaliro: Obwereketsa akuyenera kuyang'ana mitundu yosiyanasiyana ya zinthu zangongole zomwe si za QM kuti zigwirizane ndi zosowa zawo zachuma.
2. Kuvomereza Mwamsanga ndi Ndalama:
   • Ubwino: Kuwongolera njira yofunsira kumathandizira kuti anthu avomerezedwe mwachangu komanso kupereka ndalama, zomwe zimapangitsa kuti obwereketsa agwiritse ntchito mwayi wanthawi yake wa malo ndi malo.
   • Kuganizira: Obwereketsa ayenera kukonzekera ndi zolemba zofunikira kuti afulumire kuvomereza.
3. Mayankho Ogwirizana Pazochitika Zobwereketsa Zovuta:
   • Ubwino: Ngongole zomwe si za QM zimapereka njira zothetsera zovuta, kuphatikiza osunga ndalama, omwe ali ndi katundu wambiri, kapena anthu omwe ali ndi zovuta zachuma.
   • Kuganizira: Obwereketsa akuyenera kugwirira ntchito limodzi ndi obwereketsa kuti asinthe makonda awo kuti agwirizane ndi zolinga zawo zachuma.

Malingaliro kwa Obwereka

1. Kukonzekera Mozama Zolemba:
   • Malangizo: Ngakhale kuti ngongole za Non-QM zimathandizira kulemba mosavuta, obwereka akuyenera kuwonetsetsa kuti ali ndi mbiri yokwanira komanso yolondola yazachuma yomwe ikukonzekera kuti iwunikenso.
2. Kukambirana ndi Akatswiri a Mortgage:
   • Langizo: Kufunafuna chitsogozo kuchokera kwa akatswiri obwereketsa nyumba omwe akudziwa bwino pakubwereketsa kwa Non-QM kungapereke zidziwitso zofunikira pazosankha ndi njira zoyenera zangongole.
3. Kukonzekera Zachuma Kwa Nthawi Yaitali:
   • Malangizo: Obwereketsa akuyenera kuganizira zolinga zawo zachuma akanthawi yayitali posankha ngongole za Non-QM, kuwonetsetsa kuti ndalama zomwe asankha zikugwirizana ndi njira zawo zonse.

Kuyendetsa Njira Yogwiritsira Ntchito

1. Lumikizanani ndi Specialized Lenders:
   • Chitsogozo: Fufuzani obwereketsa omwe amagwiritsa ntchito ngongole za Non-QM zomwe zakhala zosavuta, chifukwa amatha kukhala ndi njira zowongoka komanso kumvetsetsa mozama mbiri yakale yobwereka.
2. Kulankhulana kotseguka ndi Obwereketsa:
   • Chitsogozo: Pitirizani kulankhulana momasuka komanso momveka bwino ndi obwereketsa panthawi yonse yofunsira kuti muyankhe mafunso kapena nkhawa zilizonse nthawi yomweyo.
3. Kuyang'ana Mwatsatanetsatane Migwirizano ya Ngongole:
   • Chitsogozo: Tengani nthawi yowunikiranso bwino mbali zonse za ngongole, kufunafuna kumveketsa mfundo zilizonse zomwe sizikudziwika bwino kuti mutsimikizire kuti mwatsimikiza mtima komanso mwanzeru.

Kutsiliza: Kupatsa Mphamvu Obwereketsa mu Ndalama Zogulitsa Nyumba

Ngongole zomwe si za QM zidapangitsa kuti zikhale zosavuta kuyimira njira yosinthira ndalama zogulitsa nyumba, zomwe zimapereka mwayi kwa obwereketsa omwe ali ndi ndalama zosiyanasiyana.Mwa kufewetsa njira yofunsira, kutsatira njira zosinthika, ndikuyika patsogolo mawu owonekera, ngongole za Non-QM zimathandizira obwereketsa kuti ayendetse msika wogulitsa nyumba molimba mtima.Pamene obwereketsa amafufuza zotheka zandalama za Non-QM, kulumikizana ndi obwereketsa apadera komanso kufunsana ndi akatswiri odziwa zambiri zimatsimikizira ulendo wosavuta komanso wodziwa bwino kuti akwaniritse zolinga zawo za eni nyumba ndi ndalama.