Isikhungo Somkhiqizo

Uhlolojikelele

Umboleki ozisebenzelayo onesikweletu esihle kakhulu umholo wakhe oshiwo embusweni wakhe wentela ngeke ubenze bafanelekele ikhaya eliwubukhazikhazi abangalikhokhela. Ufaneleka ngo-100% Kumali Ediphozithi Ye-akhawunti Yomuntu Siqu kanye no-50% Kudiphozithi Ye-akhawunti Yebhizinisi (izinyanga eziyi-12 zilandelana)

Imininingwane

1) Kufika ku-$4M amanani emalimboleko;
2) Kufika ku-80% Max LTV;
3) Abazisebenzayo kanye nababolekayo abayi-1099;
4) 660 noma ngaphezulu amaphuzu esikweletu;
5) Azikho izimali ezibekiwe ezidingekayo ku-75% noma ngaphansi kwe-LTV;
6) Cha 4506T / No K1's / No P&L's;
7) Ayikho i-MI(Mortgage Insurance).

Kungani sikhetha lolu hlelo?

Ngisho noma iningi labantu baseMelika lingakwazi ukufaneleka kalula ngemibhalo egcwele yemali mboleko yendlu evamile, abaningi abakahambisani nemihlahlandlela ka-Fannie noFreddie uma kukhulunywa ngezidingo zokuboleka. Ngenhlanhla, imali mboleko ye-Non-QM kanye nemibhalo yemali engenayo yezitatimende zasebhange kuyisixazululo esihle kulaba baboleki abangajwayelekile.

Ikakhulukazi, abaholayo abazisebenzelayo banokunethezeka kokusula izindleko zebhizinisi eziningi ngaphansi kweKhodi Yentela ye-IRS. Ukususa izindleko zebhizinisi emalini yawo yonke kuzuzisa abazisebenzelayo ngokukhokha intela encane yemali engenayo.

Abantu abaningi abazisebenzayo abanama accountant ahlakaniphile bavame ukukhokha intela encane ngenxa yokusebenzisa amakhodi entela. Abaningi baneholo elibi. Ngeshwa, ukucishwa okuningi kusho ukuthi abaholayo abazisebenzelayo banesikhathi esinzima ukuze bafanelekele ukubolekwa imali. Ababolekisi bendabuko bazosebenzisa isamba semali engenayo elungisiwe lapho bebala imali engenayo efanelekile. Izindaba ezimnandi zabathengi bezindlu abazisebenzayo abanemalimboleko engeyona eye-QM. Sinezindlu ezibolekiwe ezingezona ze-QM zababoleki abazisebenzelayo ngaphandle kokubuyiselwa kwentela yemali engenayo okudingekayo. Kulesi sihloko, sizodingida futhi simboze izitatimende zebhange ezingezona ze-QM zababoleka abazisebenzelayo.

Lolu hlelo luklanyelwe bani?

Lolu hlelo luklanyelwe ababoleki abazisebenzelayo futhi abangazuza kwezinye izindlela zokufaneleka zokuboleka imali. Izitatimende zasebhange zingasetshenziswa njengenye indlela yentela ukuze kubhalwe imali engenayo yomboleki ozisebenzelayo. Ngaphandle kwalokho, izitatimende zasebhange zomuntu siqu kanye/noma zebhizinisi zonke zivunyelwe.

Okungenani oyedwa wababoleki kufanele azisebenzele okungenani iminyaka emi-2 (25% noma ubunikazi obukhulu) ukuze afanelekele lolu hlelo. Lena imfuneko evamile yokunquma ukuthi umboleki ungumboleki ozisebenzelayo yini. Kwesinye isikhathi, umboleki angaba ngumnikazi webhizinisi, nokho, sibala njengababoleki abazisebenzelayo kuphela uma lingaphezu kwama-25%. Ezikweletini ze-ejensi, sihlala sibhekisela ku-K-1 noma kuShejuli G; kuyilapho ezikweletini ezingezona ze-QM, sihlala sidinga incwadi ye-CPA ukuze siqinisekise ubunikazi bangempela.

Ngokuvamile, umbolekisi uzobala imali engenayo efanelekayo ngokuthatha inani elimaphakathi lediphozithi yesitatimende sasebhange ezinyangeni ezingu-12 noma ezingu-24, bese ephinda inani lezindleko ezijwayelekile. Lokho kufanele kube yimali engenayo efanelekile yomboleki yalolu hlelo.

Ngokuqondene nesici sezindleko, abatshalizimali abaningi abangewona ama-QM bangase babe nesilinganiso esijwayelekile esifana no-50%. Nathi sinale mfuneko. Nokho, uma i-CPA yakho ingakunikeza incwadi enezizathu ezifanele, singase sicabangele isici sezindleko esivumelana nezimo. Ungeqi ubuncane bemikhawulo~

Uma unezidingo, xhumana nathi kuqala, singakunikeza ukubala kwamahhala kwemali engenayo yangaphambi kokuhlaziya. Lokho kufanele kube usizo kakhulu kinina nonke ikakhulukazi Izikhulu Zokubolekwa Kwezindlu, ukuze nisize amakhasimende enu kangcono.