Tondekanya ibyemezo bya Mortgage Ukoresheje P&L Inyandiko

Kuyobora inzira yo kwemeza inguzanyo muri Amerika birashobora kuba umurimo utoroshye, ariko AAAInguzanyoni hano kugirango byoroshe. Uburyo bwabo bwihariye bushingiye kuri Self P&L ibyangombwa bihindura uburyo abahawe inguzanyo babona inguzanyo.

Inguzanyo ya AAA yamaze imyaka irenga 22 yibandaInguzanyo itari Qms, gushimangira umwanya wabo nkinzobere murwego. Bateye inkunga imiryango irenga 60.000 kandi bafunga inguzanyo zifite agaciro ka miliyari 2 z'amadolari muri 2021 honyine. Ubunararibonye bunini bubafasha kumva ibyifuzo bitandukanye byabatiza inguzanyo kandi bagatanga ibisubizo byihariye.

Ibisabwa byonyine Kwitegura P&L kubisaba inguzanyo ninyungu zingenzi. Kurugero, abashoramari kumitungo itimukanwa binjiza amafaranga yubukode barashobora gukoresha uburyo bwa DSCR (Igipimo cyimyenda ya Coverage Ratio). Mugutanga Self P&L, barashobora kwerekana ko amazu yabo akodeshwa yinjiza amafaranga ahagije kugirango yishyure inguzanyo. Ibi ntabwo byoroshye gahunda yo gusaba gusa ahubwo binaha abashoramari amahirwe yo kwagura inshingano zabo.

Irindi tsinda ryungukira cyane kuriyi nzira ni abigenga. Abaterankunga bakunze kugira uburyo budasanzwe bwo kwinjiza, bigatuma bigora gutanga imisoro gakondo. Hamwe na P&L ibyangombwa, barashobora kwerekana ishusho yerekana ibyo binjije nibisohoka, bigatuma AAA Inguzanyo isuzuma neza ubushobozi bwabo bwo kwishyura.
Ubuhamya bwiza butangwa nabakiriya buvuga byinshi kubijyanye nuburyo bwiza bwubu buryo. Abasaba inguzanyo benshi bashimye ikipe muri AAA Inguzanyo kubera ubuhanga bwabo no gukora neza. Bashoboye guhagarika inguzanyo mugihe gito, akenshi mugihe cyibyumweru 2, nubwo igihe ntarengwa cyagenwe nogurisha abakozi.

Usibye koroshya gukoresha Self P&L, Inguzanyo za AAA zitanga HELOC (Home Equity Line of Credit) nta gihano cyishyuwe mbere. Ibi byongeweho guhinduka, bihujwe nuburyo bwo gutanga inguzanyo kumuryango utanga inguzanyo yinyongera $ 4.500, bituma bahitamo neza kubaguriza. Muncamake, niba ushaka inzira yo kwemeza inguzanyo idafite ikibazo, reba kure kuruta AAA Inguzanyo no gukoresha udushya twifashishije ibyangombwa bya P&L.