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).

Amaphuzu avelele ohlelo

1) Kufika ku-$3M Inani Lemalimboleko;
2) Kufika ku-80% LTV;
3) Abazisebenzayo kanye nababolekayo abayi-1099;
4) 660 noma ngaphezulu Credit Score;
5) Azikho izimali ezibekiwe ezidingekayo ze-LTV ku-75% noma ngaphansi;
6) Ayikho i-4506T / Ayikho i-K1 / Ayikho i-P&L edingekayo;
7) Ayikho i-MI (I-Mortgage Insurance).

Kungani sikhetha Izitatimende Zebhange?

Nakuba abanikazi bezindlu abaningi bengakwazi kalula ukuthola imibhalo egcwele yemali ebolekiwe evamile, abaningi abakahambisani neziqondiso zika-Fannie no-Freddie uma kuziwa ezimfuneko zokuboleka. Ngenhlanhla, imali mboleko ye-Non-QM kanye nemibhalo yemali engenayo yezitatimende zasebhange yizixazululo ezinhle zalaba baboleki okungebona bendabuko.

Abazisebenzelayo abaholayo banokunethezeka kokusula izindleko zebhizinisi eziningi ngaphansi kweKhodi Yentela ye-IRS. Ukususa izindleko zebhizinisi emalini yonke engenayo kusiza ababoleki behlise kakhulu izikweletu zabo zentela, futhi ngezinye izikhathi kukhombisa ukulahlekelwa okuphelele noma imali engenayo engalungile yonyaka. Isitatimende Sebhange Imali Ebolekiwe Okungeyona ye-QM izokwazi ukusiza laba baboleki ukuthi bafanelekele ukubolekwa imali ngaphandle kokubonisa amafomu abo entela futhi basebenzise izitatimende zabo zasebhange ukuze babonise ukuhamba kwemali kwangempela kwebhizinisi labo.

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 (nobunikazi obungama-25% noma ngaphezulu) ukuze afanelekele lolu hlelo. Lokhu kuyisidingo esijwayelekile sokunquma ukuthi umboleki ungumboleki ozisebenzelayo yini. 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%. Nakuba lokhu futhi kuyisidingo sethu esivamile, kodwa uma i-CPA yakho inganikeza incwadi enezizathu ezifanele, singase sicabangele isici sezindleko esivumelana nezimo ngenxa yohlobo lwebhizinisi elinezindleko ezincane.

Sicela uxhumane nethimba lethu ukuze uthole ukuhlaziywa kwamahhala kwemali engenayo ngaphambi kokuletha imali ebolekiwe ukuze usize kangcono amakhasimende akho.