Munzvimbo inogara ichichinja yekubhadhara mbavha, Vasiri-QM (Vasina-Vanokodzera Mortgage) varidzi vanoita basa rakasiyana mukupa dzimwe mhinduro kunze kwemaitiro echinyakare ekukweretesa.Iri gwara rakazara rinotarisa munzvimbo yevasiri veQM investimendi, vachiburitsa kukosha kwavo, mabhenefiti avanounzira kune vanokwereta, uye zvakakosha kufunga kune avo vari kuongorora sarudzo dzemortgage kunze kwenzvimbo yakajairwa.
Kunzwisisa Vasiri-QM Investors
Vasiri-QM vatengesi masangano anodyara mari uye anotsigira Zvikwereti zvisiri zveQM.Zvikwereti izvi zvinotsauka kubva pamaitiro akaomesesa akatemerwa Qualified Mortgages (QM) pasi peDodd-Frank Wall Street Reform uye Consumer Protection Act.Zvikwereti zvisiri zveQM zvinopa vanokwereta vangangosasangana netsika dzekukweretesa asi vaine mamiriro emari akasiyana.
Kukosha kwevasiri-QM Investors
1. Kuwedzera Kuwanika kune Mortgage Financing
Vasiri veQM vanoisa mari vanoita basa rakakosha mukuwedzera mukana wekuwana mari yembangi.Ivo vanotarisira kune vanokwereta avo, nekuda kwezvikonzero zvakasiyana, vanowira kunze kwemaitiro akaiswa neQM mirau.Kubatanidzwa uku kunobvumira huwandu hwakasiyana hwevanhu kuti vateedzere varidzi vemba.
2. Flexibility in Underwriting Criteria
Kusiyana nezvikwereti zveQM zvine maitiro ekunyora pasi, vasiri veQM vanoisa mari vanopa shanduko.Ivo vanotarisa huwandu hwakakura hwezvinhu pavanenge vachiongorora kukodzera kweanokwereta, kusanganisira zvisizvo mari inowanikwa uye mamiriro emari akasiyana.
3. Kupa Vanhu Vanozvishandira
Chimwe chezvinhu zvinosiyanisa zvikwereti zveNon-QM kukwezva kwavo kune vanozvishandira.Ava vanokwereta vanowanzosangana nematambudziko mukunyora mari vachishandisa nzira dzechinyakare, uye vasiri veQM vanoisa mari vanopa mhinduro dzakanangana nemaprofile avo emari.
4. Kutsigira Real Estate Investors
Vasiri-QM vatengesi vanobatsira mukutsigira real estate investimendi.Kunyangwe iri mari yekugadzirisa-uye-flip mapurojekiti kana kuwana zvivakwa zvekurojesa, Zvikwereti zvisiri zveQM zvinopa kuchinjika uye nekumhanyisa izvo zvinowanzodiwa nevashambadziri vezvivakwa.
5. Kugadzirisa Matambudziko eChikwereti
Vanokwereta vane matambudziko echikwereti, akadai sekubhuroka kana kuvharirwa, vanogona kuwana sarudzo nevasiri veQM investimendi.Ava vanoisa mari vanonyanya kuda kutarisa kunze kwezvikwereti zvibodzwa uye funga nezvese zvemari mufananidzo weakakwereta.
Mabhenefiti eZvikwereti Zvisiri zveQM kune Vanokwereta
1. Tailored Solutions
Zvikwereti zvisiri zveQM zvinobvumira mhinduro dzakagadzirirwa dzinosangana nezvinodiwa chaizvo zvevakwereta.Kunyangwe iri yakasarudzika mamiriro emari kana isiri yerudzi rwezvivakwa, Zvikwereti zvisiri zveQM zvinopa magadzirirwo ayo echinyakare mbaremba angasapihwa.
2. Quick Approval Process
Kurongeka kwezvikwereti zveNon-QM zvinowanzokonzera kukurumidza kubvumidza maitiro.Izvi zvinonyanya kubatsira mumamiriro ezvinhu apo nguva iri yezvakakosha, senge mikana yekudyara zvivakwa inoda kukurumidza kuita.
3. Asset-Based Kukweretesa
Zvikwereti zvisiri zveQM zvinowanzo shandisa asset-based kukweretesa, uko kukosha kwenzvimbo kuri kutariswa zvakanyanya.Izvi zvinogona kubatsira kune vanokwereta vane zvakakosha zvinhu asi zvisingaite mari inowanikwa.
4. Dziva Rokukwereta Rakawedzerwa
Zvikwereti zvisiri zveQM zvinowedzera dziva rekukwereta nekugara avo vangave vasingakodzere chinyakare chekukweretesa mold.Uku kubatanidzwa kunosimudzira musika wakasiyana uye unowanikwa wemortgage.
5. Kuzadzikisa Zvinangwa Zvezvivakwa Zvakasiyana-siyana
Kune vanokwereta vane zvibodzwa zvezvivakwa zvakasarudzika, sekutenga chivako chisiri-warantiki kana kupa mari chivakwa chine hunyoro hwakaoma, zvikwereti zvisiri zveQM zvinopa shanduko inodiwa kuti zvizadzise zvinangwa izvi.
Mafungiro kune Vanokwereta Kuongorora Kwete-QM Sarudzo
1. Kunyatsonzwisisa Mitemo neMigariro
Usati wasarudza chikwereti cheNon-QM, vanokwereta vanofanira kunyatsonzwisisa zvirevo nemamiriro.Izvi zvinosanganisira mareti emubereko, mazwi ekubhadhara, uye chero zvipi zvinodiwa zvakatemwa neasiri-QM investor.
2. Bvunza neMortgage Professionals
Kutsvaga nhungamiro kubva kuvadzidzisi vemortgage kwakakosha kana uchitsvaga Non-QM sarudzo.Mortgage vanopa mazano vanogona kupa ruzivo, kuongorora mamiriro emari ega ega, uye kukurudzira mhinduro dzakakodzera dzeNon-QM.
3. Ongorora Zvenguva Yakareba Zvemari
Vanokwereta vanofanira kunyatsoongorora mamiriro emari enguva refu yezvikwereti zvisiri zveQM.Kunyange zvikwereti izvi zvichipa shanduko, zvakakosha kuti utarise kuti mazwi anopindirana sei nezvinangwa zvemari zvenguva refu.
4. Enzanisa Multiple Non-QM Investors
Sezvakangoita nemararamiro echinyakare, vanokwereta vanofanirwa kuenzanisa zvinopihwa kubva kune vakawanda Vasiri-QM investimendi.Izvi zvinosanganisira kuongorora mareti emubereko, mubhadharo, uye mukurumbira wese weasiri-QM investor.
Mhedziso: Kugonesa Vanokwereta neNon-QM Solutions
Vasiri veQM vatengesi vanounza chiyero chakakosha kumusika wemortgage nekupa dzimwe nzira dzinopa kune akasiyana siyana evakwereta.Kungave kuri kupa kuchinjika mumaitiro ekunyora pasi kana kutsigira zvisina kujairika zvibodzwa zvezvivakwa, Zvikwereti zvisiri zveQM zvinopa vanokwereta simba kuti vateedzere varidzi vemba uye real estate investment maererano nezvavanoda.
Sezvo vanokwereta vachiongorora Non-QM sarudzo, kunzwisisa kukosha kwevasiri-QM vanoisa mari, mabhenefiti avanopa, uye zvakakosha kufunga zvinove zvakakosha.Negwaro rakakodzera uye nekunzwisisa kwakajeka kwezvinangwa zvemari zvemunhu, Zvikwereti zvisiri zveQM zvinogona kuve sarudzo ine hunyanzvi uye inogonesa mune inoshanduka mamiriro emari yembangi.
Nguva yekutumira: Nov-18-2023