Kumvetsetsa Ubwino wa Ngongole Zopanda QM kwa Ogulitsa

Pamsika womwe ukukula nthawi zonse, ngongole za Non-Q zatulukira ngati njira yabwino kwa osunga ndalama omwe akufuna kusinthira magawo awo. Wogulitsa ndalama wa A-QM atha kugwiritsa ntchito ngongole izi kuti ateteze malo omwe sangafanane ndi njira zobwereketsa zachikhalidwe. M'nkhaniyi, tiwona ubwino wa ngongole za NonM kwa osunga ndalama komanso momwe ngongolezi zingasinthire masewera pa malo ogulitsa nyumba.ndalamamalo.

Kodi aNgongole Yopanda Qm?

Ngongole Yopanda QM, kapena Non-Qualified Mortgage, ndi mtundu wangongole womwe sugwirizana ndi malangizo obwereketsa okhazikitsidwa ndi Consumer Financial Protection Bureau (CFPB). Malangizowa, omwe amadziwika kuti Qualified Mortgage (QM) malamulo, adakhazikitsidwa kuti atsimikizire kuti obwereketsa ali ndi mphamvu zobweza ngongole zawo. Komabe, ngongole za Non-QM zimapereka kusinthasintha, kuzipangitsa kukhala njira yokongola kwa aNon-Qm Investor.

Ubwino wa Ngongole Zopanda QM Kwa Ogulitsa

1. Zolinga Zosinthika Zoyenera

   • Chimodzi mwazabwino zoyambira kwa omwe sali a QM ndi njira zosinthira zoyenerera. Mosiyana ndi ngongole zachikhalidwe, ngongole zomwe si za QM zimaganizira njira zina zotsimikizira ndalama, monga ma statement a kubanki, kugwiritsa ntchito katundu, ndi ndalama zobwereketsa. Kusinthasintha kumeneku kumapangitsa osunga ndalama omwe ali ndi ndalama zosavomerezeka kuti athe kulandira ngongole.

2. Malire a Ngongole Apamwamba

   • Ngongole zomwe si za QM nthawi zambiri zimabwera ndi malire apamwamba poyerekeza ndi ngongole wamba. Izi ndizopindulitsa makamaka kwa omwe sali a QM omwe akuyang'ana kugula zinthu zamtengo wapatali kapena mabizinesi angapo. Kutha kupeza ngongole zokulirapo kumatha kupititsa patsogolo mphamvu zogulira za Investor.

3. Customizable Loan Terms

   • Ngongole zomwe si za QM zimapereka mawu angongole omwe mungasinthidwe kuti agwirizane ndi zosowa za omwe sali a QM. Kaya ndi malipiro ongowonjezera chiwongoladzanja, chiwongola dzanja chosinthika, kapena nthawi yayitali yobwereketsa, osunga ndalama amatha kusankha dongosolo lomwe likugwirizana bwino ndi njira zawo zogulitsira.

4. Njira Yovomerezeka Mwamsanga

   • Njira yovomerezera ngongole za Non-QM nthawi zambiri imakhala yachangu kuposa ngongole zachikhalidwe. Kwa omwe sali a QM Investor, izi zikutanthauza kutha kugwiritsa ntchito mwayi woyika ndalama mwachangu popanda kuchedwa kwanthawi yayitali komwe kumakhudzana ndi kuvomereza kwangongole. Kuthamanga kumeneku kungakhale kofunikira pamisika yampikisano yogulitsa nyumba.

5. Diversification of Investment Portfolio

   • Pogwiritsa ntchito ngongole za Non-QM, Investor Non-QM amatha kusiyanitsa ndalama zawo. Ngongolezi zitha kugwiritsidwa ntchito kulipirira mitundu yosiyanasiyana ya katundu, kuphatikiza nyumba zogona, zamalonda, komanso zogwiritsa ntchito mosiyanasiyana. Kusiyanasiyana kungathandize kuchepetsa zoopsa ndikuwonjezera phindu lomwe lingakhalepo.

Mapeto

Ngongole zomwe si za QM zimapereka njira yapadera komanso yosinthika yandalama kwa osunga ndalama omwe akufuna kukulitsa malo awo ogulitsa nyumba. Kwa omwe sali a QM Investor, zopindulazo zikuphatikiza njira zosinthira zoyenereza, malire apamwamba angongole, mawu angongole omwe mungasinthire makonda, kuvomereza mwachangu, komanso kuthekera kosintha mabizinesi osiyanasiyana. Pomvetsetsa ndikugwiritsa ntchito maubwinowa, osunga ndalama amatha kutsegula mwayi watsopano ndikuchita bwino kwambiri pamsika wanyumba.