I-Wholesale - Uhlelo lwe-AAA Lendings Non-QM DSCR (Isilinganiso Sokukhokhiswa Kwesevisi Yesikweletu) – I-AAA Ebolekisayo ebolekisayo kanye nomtshalizimali

Imininingwane Yomkhiqizo

Ukuqamba kabusha kuyingxenye ye-DNA yethu. Sihlala sifuna izindlela zokuthuthukisa ulwazi lwemali mboleko kumakhasimende ethu. Inqubo yethu yesimanje yesicelo se-inthanethi, ukuphathwa kwemibhalo evikelekile, nezinketho zokuxhumana kwedijithali kunikeza uhambo olungenamthungo, olungenaphepha lwemali yendlu. Nge-AAA LENDINGS, ungalindela ulwazi lwesimanjemanje, olusebenzayo, noluvikelekile lwemalimboleko yezindlu ehambisana nomhlaba wobuchwepheshe ohamba ngokushesha. Ukunethezeka kwakho nokuvikeleka kubaluleke kakhulu kithi.Izifanekiso zewebhusayithi ye-Mortgage Lender,Top 5 Mortgages,Bala Inzalo Yendluzula, Imigomo yakho yezezimali ihlukile, futhi sikholelwa ukuthi imali ebolekiwe yakho kufanele ibonise lokho. Kwa-AAA LENDINGS, sinikeza izinhlobonhlobo zezinketho zokubolekwa kwemali, ngayinye ehambisana nezimo ezihlukene zezimali. Kungakhathaliseki ukuthi uchwepheshe osemusha ofuna ikhaya lakho lokuqala, umndeni okhulayo odinga indawo eyengeziwe, noma umtshali-zimali ohlakaniphile owandisa iphothifoliyo yakho yezindlu ezithengiswayo, sinezinhlelo zokubolekwa imali eziklanyelwe ukuhlangabezana nezidingo zakho ezithile. Siyaqonda ukuthi uhambo lwakho lwezezimali luhlukile, futhi izixazululo zethu zezindlu ezibolekiwe zenzelwe ukukugcina umatasa futhi ujabule ngekusasa lakho.

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

Ayinasihloko-6

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:

imininingwane

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.

I-DSCR

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:

Kwa-AAA LENDINGS, sikholelwa ekubuyiseleni kumakhasimende ethu ayigugu. Yingakho sinikezela ngohlelo lokwethembeka olukuvuza ngokusethemba kwakho nokubambisana okuqhubekayo nathi. Uhlelo lwethu lokwethembeka luklanyelwe ukukugcina umatasa futhi waziswa, lunikeza izinzuzo ezikhethekile nezaphulelo kumakhasimende ethu abuyayo. Ukuzinikela kwakho ku-AAA LENDINGS kuyabonwa futhi kuyavuzwa, futhi silwela ukwenza intshisekelo yakho eqhubekayo kumasevisi ethu ibe yinto ezuzisayo. – I-AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Programme – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Albania, Hongkong, Sacramento, Ngesipiliyoni seminyaka engaphezu kwengu-9 neqembu lochwepheshe, sithumele imikhiqizo yethu emazweni amaningi nasezifundeni emhlabeni wonke. Samukela amakhasimende, izinhlangano zamabhizinisi nabangane abavela kuzo zonke izingxenye zomhlaba ukuze baxhumane nathi futhi bafune ukubambisana ukuze bathole izinzuzo ezifanayo.

-AAA Ukuboleka

Umholi wenkampani usamukela ngokufudumele, ngengxoxo ecophelelayo nephelele, sasayina i-oda lokuthenga. Ngethemba ukubambisana ngokushelela
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