11/09/2023

Pankhani yandalama zobwereketsa nyumba, mabizinesi amafunafuna maubwenzi ndi obwereketsa omwe amapereka osati mitengo yampikisano komanso Malipiro owoneka bwino a Yield Spread Premium (YSP).Nkhaniyi ikufotokoza za kufunika kwa YSP, udindo wa obwereketsa, ndipo ikupereka zidziwitso za ena mwa obwereketsa omwe amadziwika kuti amapereka YSP yapamwamba kwa ma broker.

Kumvetsetsa Malipiro a Yield Spread Premium (YSP)

Kodi YSP ndi chiyani?

Yield Spread Premium, yomwe imadziwika kuti YSP, ndi chipukuta misozi chomwe obwereketsa amapereka kwa obwereketsa kuti apeze ngongole ya chiwongola dzanja chokwera kuposa momwe wobwereketsa amafunikira.Ndi ntchito yoperekedwa ndi wobwereketsa kwa broker kuti abweretse bizinesi.

Mtengo wapatali wa magawo YSP

YSP imagwira ntchito ngati chilimbikitso kwa mabizinesi kuti ateteze ngongole ndi mawu abwino kwa obwereketsa.Zimalola ma broker kukulitsa ndalama zomwe amapeza pomwe akupatsa obwereketsa njira zingapo zanyumba.

Udindo wa Obwereketsa mu YSP

Kupereka kwa Wobwereketsa ku YSP

Obwereketsa amathandizira ku YSP ngati gawo la chipukuta misozi kwa obwereketsa nyumba.Kuchuluka kwa YSP kumatha kusiyanasiyana pakati pa obwereketsa, zomwe zimapangitsa kuti zikhale zofunikira kuti mabizinesi asankhe mabwenzi omwe amapereka ndalama zopikisana.

Ubwino Wopikisana Kwa Ma Broker

Mabroker amapindula poyanjana ndi obwereketsa omwe amapereka YSP yayikulu m'njira zingapo.Sikuti amangowonjezera chipukuta misozi chonse komanso amapereka mwayi wampikisano pamsika wandalama, kukopa mabizinesi ambiri kuchokera kwa obwereketsa.

Maupangiri a Brokers Kufunafuna High YSP

1. Mapulani Olipirira Obwereketsa: Fufuzani mozama ndikuyerekeza zopereka za YSP za obwereketsa osiyanasiyana.Yang'anani mapulani amalipiro owonekera omwe amalipira ma broker mowolowa manja.
2. Ganizirani Mbiri: Sankhani obwereketsa omwe ali ndi mbiri yolipira mwachilungamo komanso munthawi yake ya YSP.Kuwerenga ndemanga ndi kufunafuna malingaliro kungapereke chidziwitso pa mbiri ya wobwereketsa.
3. Kambiranani Migwirizano: Mabroker asazengereze kukambirana za YSP ndi obwereketsa.Obwereketsa ena akhoza kukhala okonzeka kusintha mapulani awo olipira malinga ndi momwe broker amagwirira ntchito.
4. Diversify Lender Partnerships: Kuti muwonjezere mwayi wa YSP, lingalirani zogwirizanitsa mayanjano ndi obwereketsa angapo.Izi zimatsimikizira kuchuluka kwazinthu zobwereketsa zamakasitomala.

Mapeto

M'malo ampikisano wandalama zanyumba, mabizinesi omwe akufuna kuti awonjezere ndalama zomwe amapeza ayenera kuyanjana ndi obwereketsa omwe amapereka YSP yokwera.Kumvetsetsa kufunikira kwa YSP, udindo wa obwereketsa, komanso kuzindikira omwe akubwereketsa kwambiri pamsika kumatha kupatsa mphamvu mabizinesi kuti asankhe mwanzeru, ndikupititsa patsogolo kupambana kwawo pazachuma pantchito yobwereketsa nyumba.

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.