11/03/2023

Ku bijyanye no gutera inkunga idasanzwe, inguzanyo zitari QM (Inguzanyo zidafite ibyangombwa) zimaze kumenyekana. Abaguriza batujuje ubuziranenge bwa gakondo barashobora kwitabaza abatanga inguzanyo itari QM kugirango babone ibisubizo byihariye. Niba uri muri Californiya ukanashakisha inguzanyo zitari QM, ubu buyobozi buzagufasha kugendagenda neza kandi ubone inguzanyo ikwiye kugirango uhuze ibyo ukeneye.

Gusobanukirwa Inguzanyo zitari QM

Inguzanyo zitari QM zagenewe abahawe inguzanyo badashobora guhuza imiterere isanzwe isabwa nabatanga inguzanyo gakondo. Izi nguzanyo ntizubahiriza ibipimo bikaze byashyizweho n'inzego zishyigikiwe na leta nka Fannie Mae cyangwa Freddie Mac. Ahubwo, abatanga inguzanyo zitari QM basuzuma abahawe inguzanyo bashingiye kubintu bitandukanye, nka banki, amafaranga yinjira, n'umutungo.

Hano hari ingingo z'ingenzi ugomba gusobanukirwa kubyerekeye inguzanyo zitari QM:

• Inguzanyo ihindagurika: Inguzanyo zitari QM ziroroshye cyane iyo zisabwa inguzanyo. Abaguriza bafite inguzanyo zitari nziza-nziza cyangwa ibihe bidasanzwe byinguzanyo barashobora kuzuza ibisabwa.
• Ubundi buryo bw'inyandiko: Abadatanga inguzanyo ya QM bemera ubundi buryo, byorohereza abantu bikorera ku giti cyabo cyangwa abafite isoko ridasanzwe ryinjira kugirango bemerwe.
• Ubwoko butandukanye bwumutungo: Inguzanyo zitari QM zirashobora gukoreshwa muburyo butandukanye bwumutungo, harimo imitungo yishoramari hamwe nudukingirizo tutemewe.

Inyungu zinguzanyo zitari QM

Inguzanyo zitari QM zitanga inyungu nyinshi kubaguriza:

• Ihinduka: Abaguriza bafite amafaranga adasanzwe cyangwa ibibazo byubukungu barashobora kubona inkunga mugihe inguzanyo gakondo zidashobora guhitamo.
• Kwemeza Byihuse: Inguzanyo zitari QM mubusanzwe zifite uburyo bwihuse bwo kwemererwa, bigatuma abahawe inguzanyo bakoresha amahirwe kumasoko yimitungo itimukanwa.
• Igisubizo cyihariye: Abadatanga inguzanyo ya QM barashobora gukora impapuro zidasanzwe zinguzanyo kugirango bahuze ninguzanyo zihariye uwagurijwe.

Kubona Ukwiye Inguzanyo itari QM muri Californiya

Mugihe ushakisha inguzanyo itari QM muri Californiya, dore intambwe zingenzi ugomba gusuzuma:

1. Ubushakashatsi no Kugereranya

Tangira ukora ubushakashatsi kubatanga inguzanyo zitari QM muri California. Shakisha abafite izina rikomeye n'amateka yo gutanga inguzanyo zitari QM.

2. Soma Isubiramo

Reba ibyasubiwemo nubuhamya bwatanzwe nabagurijwe kera kugirango umenye izina ryabatanga kandi banyuzwe nabakiriya.

3. Impuguke

Tekereza kugisha inama inzobere mu gutanga inguzanyo kabuhariwe mu nguzanyo zitari QM. Barashobora kukuyobora kubatanga inguzanyo hamwe nubuhanga kugirango uhuze ibyo ukeneye bidasanzwe.

4. Gukorera mu mucyo

Hitamo inguzanyo itanga mucyo kubijyanye n'inguzanyo zabo, ibiciro, n'amafaranga. Ugomba kumva neza ibikubiye mu nguzanyo yawe itari QM.

5. Inguzanyo zinguzanyo

Saba amagambo yatanzwe nabantu benshi batari QM bagereranya kugereranya inguzanyo, igipimo cyinyungu, namafaranga. Ibi bizagufasha kubona inguzanyo nziza cyane.

Abatanga inguzanyo zitari QM muri Californiya

Umwanzuro

Abatanga inguzanyo zitari QM muri Californiya batanga umurongo w'ubuzima ku baguriza badahuje imiterere y'inguzanyo gakondo. Ibicuruzwa byinguzanyo bidasanzwe bitanga guhinduka, kwemerwa byihuse, hamwe nibisubizo byihariye. Nyamara, ni ngombwa gukora ubushakashatsi bunoze, gushaka inama zinzobere, no guhitamo uwagurijwe afite umucyo n'amagambo meza. Hamwe ninguzanyo itari Non-QM ninguzanyo, urashobora kugera kumitungo itimukanwa hamwe nintego zamafaranga, nubwo wujuje ibyangombwa bisanzwe byinguzanyo zisanzwe.

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS; amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya. Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda. Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo. Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo. Shora ukurikije ingaruka zawe.