Sobanukirwa ninyungu zinguzanyo zitari QM kubashoramari

Mu isoko ryimitungo igenda itera imbere, inguzanyo zitari Q zagaragaye nkuburyo bwiza kubashoramari bashaka gutandukanya inshingano zabo. Umushoramari A-QM arashobora gukoresha izo nguzanyo kugirango abone imitungo idashobora guhuza ninguzanyo zisanzwe. Muri iyi ngingo, tuzasesengura inyungu zinguzanyo zitari NonM kubashoramari nuburyo izo nguzanyo zishobora guhindura umukino mubintu bitimukanwa.ishoramariimiterere.

Niki aInguzanyo itari Qm?

Inguzanyo itari QM, cyangwa Inguzanyo zidafite ibyangombwa, ni ubwoko bw'inguzanyo butajyanye n'amabwiriza asanzwe yo gutanga inguzanyo yashyizweho na Biro ishinzwe kurengera umutungo w'abaguzi (CFPB). Aya mabwiriza azwi ku izina rya Qualified Mortgage (QM), yashyizweho kugira ngo abahawe inguzanyo bafite ubushobozi bwo kwishyura inguzanyo. Nyamara, Inguzanyo zitari QM zitanga byinshi byoroshye, bigatuma zihitamo neza aUmushoramari utari Qm.

Inyungu zinguzanyo zitari QM kubashoramari

1. Ibipimo byujuje ibyangombwa

   • Imwe mu nyungu zibanze kubashoramari batari QM ni ibipimo byujuje ibyangombwa. Bitandukanye ninguzanyo gakondo, Inguzanyo zitari QM zitekereza ubundi buryo bwo kugenzura amafaranga, nka banki, imikoreshereze yumutungo, ninjiza yubukode. Ihinduka ryemerera abashoramari bafite isoko yinjiza idasanzwe kugirango babone inguzanyo.

2. Umubare ntarengwa w'inguzanyo

   • Inguzanyo zitari QM akenshi ziza zifite imipaka ntarengwa ugereranije ninguzanyo zisanzwe. Ibi ni ingirakamaro cyane cyane kubashoramari batari QM bashaka kugura imitungo ifite agaciro kanini cyangwa imitungo myinshi yishoramari. Ubushobozi bwo kubona amafaranga menshi yinguzanyo burashobora kuzamura cyane imbaraga zo kugura umushoramari.

3. Amabwiriza y'inguzanyo yihariye

   • Inguzanyo zitari QM zitanga ingingo zinguzanyo zishobora guhindurwa kugirango zihuze ibyifuzo byumushoramari utari QM. Yaba inyungu zonyine zishyurwa, inguzanyo zishobora kugabanywa, cyangwa igihe kirekire cyinguzanyo, abashoramari barashobora guhitamo imiterere ihuza neza ningamba zabo zishoramari.

4. Uburyo bwo Kwemeza Byihuse

   • Gahunda yo kwemeza inguzanyo zitari QM mubisanzwe yihuta kuruta iy'inguzanyo gakondo. Ku mushoramari utari QM, ibi bivuze kuba ushobora gukoresha amahirwe yishoramari byihuse nta gutinda igihe kirekire bifitanye isano no kwemeza inguzanyo bisanzwe. Uyu muvuduko urashobora kuba ingenzi kumasoko yimitungo itimukanwa.

5. Gutandukanya ishoramari Portfolio

   • Ukoresheje inguzanyo zitari QM, umushoramari utari QM arashobora gutandukanya imishinga yabo. Izi nguzanyo zirashobora gukoreshwa mu gutera inkunga ubwoko butandukanye bwumutungo, harimo amazu yo guturamo, ubucuruzi, n’imvange-ikoreshwa. Gutandukana birashobora gufasha kugabanya ingaruka no kongera inyungu zishobora kugaruka.

Umwanzuro

Inguzanyo zitari QM zitanga uburyo bwihariye kandi bworoshye bwo gutera inkunga abashoramari bashaka kwagura umutungo wabo utimukanwa. Ku mushoramari utari QM, inyungu zirimo ibipimo byujuje ibyangombwa byujuje ibisabwa, imipaka ntarengwa y'inguzanyo, amasezerano y'inguzanyo ashobora gutangwa, inzira yo kwemeza byihuse, n'ubushobozi bwo gutandukanya ishoramari. Mugusobanukirwa no gukoresha izo nyungu, abashoramari barashobora gufungura amahirwe mashya kandi bakagera ku ntsinzi nini ku isoko ryimitungo itimukanwa.