- Uhlelo lwe-AAA Lendings Non-QM DSCR (Isilinganiso Sesevisi Yezikweletu) - Imininingwane Yokubolekwa kwe-AAA:

Uhlolojikelele
Uhlelo lwe-DSCR (Debt Service Coverage Ratio) Uhlelo.
Lolu wuhlelo olulula phakathi kwazo zonke izinhlelo ezingezona ze-QM.
Iholo/Isimo Sokuqashwa/Imbuyiselo Yentela ayidingeki.
Amaphuzu avelele ohlelo
1) Kufika ku-$2M Inani Lemalimboleko;
2) Kufika ku-80% LTV;
3) 660 noma ngaphezulu Credit Score;
4) Ingavala kumabhizinisi;
5) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali;
6) Ama-SFR, 2-4 Units, Condos, Townhomes, Condotels, kanye nama-Non-Warrantable Condos ayatholakala.
Iyini i-DSCR?
Uyazi ukuthi ungayifanelekela kanjani imali mboleko yendlu ngaphandle kolwazi lomsebenzi kanye neholo?
Awufaneleki yini ngezimali mboleko ezijwayelekile ze-mortgage?
Uyazi ukuthi yiluphi uhlelo lwemalimboleko oluwumkhiqizo olula?
Uyafuna ukwazi ukuthi ungawasebenzisa kanjani amadokhumenti ancishisiwe ukuze ufanelekele ukubolekwa imali?
Ingabe kunzima kakhulu kuwe ukuthola imali mboleko yezindlu embonini yakho?
Sinikeza ngohlelo oluphelele lwemalimboleko ukuze sanelise izici ezibalulekile ezingenhla - uhlelo lwe-DSCR. Ingumkhiqizo odume kakhulu we-Non-QM emalini ebolekiwe yezindlu.
I-DSCR (Debt Service Coverage Ratio) yakhelwe abatshalizimali abanolwazi lwezindlu ezithengiswayo futhi ifanelekela ababolekayo ngokusekelwe ekugelezeni kwemali kuphela okuvela endaweni okuxoxwa ngayo ukuze kuhlaziywe izinga lengozi yokutshalwa kwezimali. Namuhla, sigxile ekuqondeni incazelo ye-DSCR kanye nokwembula impicabadala yohlelo lwe-DSCR ngokombono wokutshalwa kwezimali kwezindlu.
Ungabala kanjani i-DSCR?
Ngemali ebolekiwe yezindlu, i-DSCR ibhekisela esilinganisweni semali engenayo yenyanga yokuqasha yendlu yokutshalwa kwezimali kuzo zonke izindleko zezindlu (ezifana nothishanhloko, inzalo, intela yomhlaba, umshwalense kanye nemali yokuphatha (uma ezinye izindleko zingenziwanga ngempela, izorekhodwa ngokuthi 0)). Uma isilinganiso siphansi, ingozi enkulu yemali mboleko. Ingavezwa kulokhu okulandelayo:

Sihlinzeka ngokuthi “Ayikho isilinganiso se-DSCR” kumakhasimende ethu, okusho ukuthi isilinganiso singafinyelela ku-“0″. Emikhiqizweni yethu evamile yemalimboleko, sidinga ukuqhathanisa imali engenayo ne-PITIA yanyanga zonke (Isimiso/ Inzalo/ Intela/ Umshwalense/ HOA) nezinye izikweletu zendlu ebolekiwe ukuze sinqume ukuthi imalimboleko ingafaneleka yini.

Izinzuzo ze-DSCR
Ayikho isilinganiso I-DSCR, umkhiqizo wemalimboleko ongayiqinisekisi imali engenayo, ayinazo izidingo zeholo lomboleki ngoba akubandakanyi ukubalwa kwe-DTI. Futhi isilinganiso esincane se-DSCR singaba phansi sibe ngu-0. Ngisho noma imali yokuqasha iphansi, sisengakwenza! Lokhu ukukhetha okuhle kubaboleki abanemali engenayo ephansi noma izikweletu eziningi.
Ngaphandle kwalokho, aboHlanga bakwamanye amazwe bayamukeleka kulolu hlelo futhi, ikakhulukazi nge-visa ye-F1. Uma ungowokufika, futhi ungakwazi ukuthola imali ebolekiwe yemali mboleko, xhumana nathi futhi uthole isimo sakho semalimboleko.
Izithombe zemininingwane yomkhiqizo:
Umhlahlandlela Womkhiqizo Ohlobene:
I-AAA LENDINGS iyaziqhenya ngokubandakanyeka kwethu komphakathi nokuzibophezela komphakathi. Sikholelwa ukuthi ukuba umabolekisi oqotho kusho ukubuyisela emiphakathini esiyisebenzelayo. Ithimba lethu libamba iqhaza ngenkuthalo ezinhlelweni zokupha, lisekela izizathu zasendaweni, kanye nokuthuthukisa ulwazi lwezezimali. Asikho nje ebhizinisini lokuhlinzeka ngemalimboleko; sitshalwe ekwenzeni umthelela omuhle ezimpilweni zamakhasimende ethu kanye nemiphakathi ayibiza ngokuthi ikhaya. – AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Programme – AAA Lendings , Umkhiqizo uzophakela kuwo wonke umhlaba, njengalokhu: Accra, Nepal, Montreal, Amathuluzi ethu athuthukile, ukuphathwa kwekhwalithi okuhle kakhulu, ucwaningo kanye nekhono lokuthuthuka kwenza intengo yethu yehle. Inani esilinikezayo lingase lingabi eliphansi kakhulu, kodwa siyaqinisekisa ukuthi liyaqhudelana ngokuphelele! Siyakwamukela ukuxhumana nathi ngokushesha ukuze uthole ubudlelwano bebhizinisi esizayo kanye nempumelelo mutual!
NguMonica wase-moldova - 2017.02.14 13:19 Izisebenzi zezobuchwepheshe zasefekthri zisinike izeluleko eziningi ezinhle enqubweni yokubambisana, lokhu kuhle kakhulu, sibonga kakhulu.
Ngu-Alexia wase-Tunisia - 2018.10.01 14:14 






