11/18/2023

Obwereketsa obwereketsa amatenga gawo lofunikira kwambiri pamsika wobwereketsa nyumba, kupereka zinthu zobwereketsa kwa ma broker pamitengo yayikulu.Kwa ogulitsa omwe akufuna kusinthasintha komanso mayankho apadera, zinthu zomwe sizili ndi QM (zopanda QM) zimakhala zofunikira kwambiri.Muchitsogozo chatsatanetsatanechi, tikuyang'ana za momwe obwereketsa ndalama zanyumba zikuyendera, kuyang'ana kwambiri mitengo yawo yomwe si ya QM, kuwona zomwe zimawalekanitsa, ndikupereka zidziwitso kwa mabizinesi omwe akuyenda pagawo la msika lapaderali.

Kumvetsetsa Obwereketsa Mortgage

Obwereketsa nyumba zamalonda amagwira ntchito ngati mkhalapakati pakati pa obwereketsa nyumba ndi mabungwe omwe amapereka ndalama.Amapereka zinthu zobwereketsa kwa ma broker pamitengo yayikulu, kulola ma broker kupeza njira zosiyanasiyana zangongole.

Zinthu Zopanda QM: Mayankho Ogwirizana a Milandu Yapadera

Zogulitsa zanyumba zomwe sizili oyenerera zimaperekedwa kwa obwereka omwe sakwaniritsa zofunikira zanyumba zanyumba zovomerezeka.Zogulitsazi zidapangidwa kuti zithetse mavuto apadera azachuma, zomwe zimapangitsa kuti zikhale zokongola kwambiri kwa obwereketsa omwe ali ndi ndalama zomwe amapeza kapena mbiri yangongole.

Zofunika Kwambiri Zaobwereketsa Ngongole Zanyumba Zogulitsa Zopereka Zopanda QM

1. Zosintha Zolemba Pansi Pansi

Obwereketsa omwe ali ndi zinthu zomwe si za QM amakhala ndi njira zosinthira zolembera.Amaganizira zinthu zambiri kuposa momwe amapezera komanso ndalama zangongole, zomwe zimalola kuti pakhale njira yodziwira ngati wobwereketsa ali woyenera.

2. Zopereka Zosiyanasiyana Zosagwirizana ndi QM

Obwereketsa amadzisiyanitsa popereka zinthu zosiyanasiyana zomwe si za QM.Izi zitha kuphatikizira ngongole zamasitetimenti kubanki kwa anthu odzilemba okha, ngongole zanyumba zobwereketsa, ndi njira zina zofananira.Mabroker amapindula pokhala ndi mwayi wosankha zosiyanasiyana zomwe si za QM kuti akwaniritse zosowa za makasitomala awo.

3. Mipikisano Yopanda QM Yopikisana

Mitengo yampikisano ndizomwe zimafotokozera obwereketsa nyumba zandalama m'malo omwe si a QM.Obwereketsa omwe amapereka mitengo yowoneka bwino komanso yopikisana amathandizira mabizinesi kuti apereke mayankho omveka bwino azandalama kwa obwereketsa omwe sangayenerere kubweza ngongole zanyumba.

4. Kugwiritsa Ntchito Ngongole Yopanda QM Yogwira Ntchito

Kuchita bwino pakukonza ngongole zomwe si za QM ndizofunikira.Obwereketsa omwe amawongolera njira zovomerezera ndi kupereka ndalama kwa ngongole zomwe si za QM zimapatsa ma broker mwayi wampikisano.Nthawi zosinthira mwachangu zimathandizira kuti ma broker ndi obwereketsa azikhala osavuta.

5. Zowonekera Zopanda QM Zolipiritsa

Zolipirira zowonekera ndizofunikira kwa ma broker omwe amagwira ntchito ndi zinthu zomwe si za QM.Kuyankhulana momveka bwino pazandalama zokhudzana ndi ngongole zomwe si za QM kumathandizira mabizinesi kuti azitha kumvetsetsa bwino zandalama zomwe abwereketsa.

Njira Zopangira Ma Brokers Kufufuza Mitengo Yopanda QM

1. Kafukufuku ndi Khama Loyenera

Mabroker akuyenera kuchita kafukufuku wokwanira pa obwereketsa omwe ali ndi zinthu zomwe si za QM.Kuwunika zopereka za obwereketsa, mitengo, ndi kuwunika kumapereka zidziwitso zofunikira pakusankha mwanzeru.

2. Kumanga Maubale ndi Obwereketsa Osakhala a QM

Kukhazikitsa maubwenzi olimba ndi osabwereketsa omwe si a QM ndikofunikira.Mabroker omwe amalimbikitsa mgwirizano ndi obwereketsawa amakhala ndi mwayi wopeza mitengo yampikisano komanso njira zosinthira makasitomala awo.

3. Khalani Odziwitsidwa Zokhudza Misika Yopanda QM

Kudziwa zomwe zikuchitika pamsika womwe si wa QM ndikofunikira.Ma broker akuyenera kumvetsetsa momwe zinthu zikuyendera, kuphatikiza kusintha kwa chikhumbo cha omwe amagulitsa ngongole omwe si a QM komanso kusintha kulikonse pamawu.

4. Phunzitsani Makasitomala Za Zosankha Zopanda QM

Ma broker akuyenera kuphunzitsa makasitomala mwachangu za zosankha zomwe si za QM.Kulankhulana momveka bwino pazaubwino ndi malingaliro azinthu zomwe si za QM zimathandiza makasitomala kupanga zisankho zanzeru pazosankha zawo zanyumba.

Mapeto

Kuyendera gawo laobwereketsa ndalama zanyumba ndi mitengo yomwe si ya QM kumafuna njira yabwino.Mabroker omwe akufuna kupereka mayankho oyenerera kwa makasitomala omwe ali ndi vuto lazachuma amapindula polumikizana ndi obwereketsa omwe amapanga zinthu zomwe si za QM.Bukuli likugogomezera zinthu zazikulu zomwe zimasiyanitsa obwereketsa m'malo omwe si a QM, kupatsa ma broker zidziwitso zotheka kuti apambane mu gawo lamphamvu komanso lapadera pamsika wandalama.

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