Kana zvasvika pakuchengetedza imba, vazhinji vanokwereta vanogona kuzviwana vari kunze kwemaitiro ekukodzera emapurogiramu echikwereti echinyakare. Ndipo panopinda Non-QM Mortgage Lenders kuti vape dzimwe mhinduro, vachipa mikana yekuva varidzi vemba kune avo vasingakwane mold yakajairika.

Chii chinonzi Non-QM Mortgage Lender?

Mukweretesi Asiri-QM (Asingakodzeri Kukwereta) anoita basa rekupa zvikwereti zvembavha zvisingazadzise maitiro akatemerwa nemasangano anotsigirwa nehurumende saFannie Mae naFreddie Mac. Nepo vakweretesi vechinyakare vachiomerera kune yakatarwa zvibodzwa zvine chekuita nezvikwereti, zvikwereti-kune-muhoro reshiyo, uye nhoroondo yebasa, vakweretesi vasiri QM vane kusarudzika mukunyora pasi uye vanogona kufunga nezve huwandu hwakawanda hwezvinhu pakuongorora manyorerwo echikwereti.

Sei Kusarudza Asiri-QM Mortgage Mukweretesi?

1. Flexibility mukukodzera:

• Vasiri veQM vanokweretesa vanotarisira vanokwereta vangave vasingakodzeri kuwana zvikwereti zvakajairwa nekuda kwezvinhu zvakaita sekuzvishandira, mari isingaite, zvikwereti zvakakura, kana nyaya dzechikwereti dzakapfuura. Vanoongorora mamiriro emari emunyoreri ega ega zvakazara, vachifunga zvinhu zvinopfuura zvibodzwa zvechikwereti uye kugadzikana kwemari.

2. Dzimwe sarudzo dzekunyora:

• Kusiyana nevakweretesi vechinyakare vanoda magwaro akawandisa kuti vaone mari uye midziyo, Vasiri veQM vanokweretesa vanopa mamwe mapepa esarudzo. Vanokwereta vane mari isiri yechinyakare kana mamiriro emari akaomarara vanogona kupa zvirevo zvebhangi, kupera kwezvinhu, kana mamwe maitiro ezvinyorwa kutsigira chikumbiro chavo chechikwereti.

3. Zvirongwa Zvakawedzerwa Zvikwereti:

• Vasiri veQM vanokweretesa vanopa akasiyana ezvirongwa zvechikwereti zvakagadzirirwa kune zvinodiwa nevakwereta vakasiyana. Izvi zvinogona kusanganisira zvikwereti zvembavha chete, zvikwereti zveasset-based, zvirongwa zvebhengi, zvikwereti zvekunze kwenyika, nezvimwe. Idzi sarudzo dzinochinjika dzechikwereti dzinopa simba kune vanokwereta kuti vawane remba rinoenderana nezvakasiyana zvinangwa zvemari uye mamiriro.

4. Inokurumidza Kubvumira Maitiro:

• Zvikwereti zvisiri zveQM kazhinji zvakagadziridza maitiro ekunyora zvichienzaniswa nedzechinyakare remba, zvichikonzera kukurumidza kubvumidzwa nguva. Izvi zvinogona kunyanya kubatsira kune vanokwereta vanoda kuwana mari nekukurumidza kana vangave vakasangana nekunonoka kana kurambwa nevakweretesi vechinyakare.

5. Makwikwi Matemu uye Matemu:

• Pasinei nekupa kune vanokwereta vane asiri echinyakare maprofile, Vasiri-QM vanokweretesa vanopa makwikwi emitengo uye zvirevo. Nekusimudzira kuchinjika kwavo mukunyora pasi, vanogona kugadzira zvikwereti zvinozadzisa zvinodiwa nevanokwereta vachiri kuderedza njodzi kune vanoisa mari.

Mhedziso

Mukupedzisa, Vasiri-QM Mortgage Lenders vanoita basa rakakosha mukuwedzera kuwaniswa kwevaridzi vemba nekupa dzimwe nzira dzekupa mari kune vanokwereta vasingakodzere kukwereta zvechinyakare. Nekuchinjika kwavo mukunyora pasi, zvirongwa zvezvikwereti zvakasiyana, uye kuzvipira kupa simba kune vanokwereta vane mamiriro emari akasiyana, vasiri veQM vanokweretesa vanopa nzira yekuva muridzi wemba iyo ingangove isingasvikike. Kana iwe ukazviwana uri kunze kwemaitiro ekukodzera ezvirongwa zvemortgage, kuongorora sarudzo neasiri-QM mukweretesi kunogona kuve kiyi yekuzadzisa zviroto zvako zvevaridzi vemba.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS; mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo. Pane njodzi mumusika uye mari inofanira kungwarira. Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega. Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu. Isai mari zvinoenderana nenjodzi yenyu.