Isikhungo Somkhiqizo

Uhlolojikelele

Umkhiqizo olula kakhulu ezinhlobonhlobo zezinhlelo ze-Non-QM.
Akukho Imali Engenayo/ Akukho Umsebenzi/ Akukho Ukubuyiswa Kwentela, futhi akuqhathanisi isilinganiso se-DTI njengemalimboleko evamile. Kuphela uma leyo mpahla iyindawo yokutshalwa kwezimali.

Imininingwane

1) Kufika ku-$2M amanani emalimboleko;
2) Kufika ku-80% Max LTV;
3) 660 noma ngaphezulu amaphuzu esikweletu;
4) Ingavala kuzinhlangano;
5) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali;
6) Ama-SFR, 2-4 Units, Condos, Townhomes, Condotels, kanye nama-Non-Warrantable Condos.

Uhlelo lwe-DSCR

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. Okulandelayo, ake singene ohlelweni lwe-DSCR.

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:

Thina i-AAA Lendings manje sinikeza “Ayikho isilinganiso se-DSCR” kumakhasimende ethu, okusho ukuthi isilinganiso singahle sibe “ku-0″. Emikhiqizweni yethu yemalimboleko yomhlangano, sidinga ukuqhathanisa imali engenayo ne-PITIA yanyanga zonke (Isimiso/Inzalo/ Intela/ Umshwalense/ HOA) nezinye izikweletu zendlu ebolekiwe ukuze sinqume ukuthi imali mboleko ingafaneleka yini.

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?

Sihlinzeka ngohlelo lwemalimboleko oluphelele ukuze sanelise izici eziyinhloko ezingenhla, lolo uhlelo lwe-DSCR, okuwumkhiqizo odume kakhulu we-Non-QM emalimboleko yendlu.

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. Okulandelayo, ake singene ohlelweni lwe-DSCR.

Yiziphi izinzuzo zohlelo lwe-DSCR?

Ayikho isilinganiso I-DSCR, umkhiqizo wemalimboleko ongayihloli imali engenayo, ayinazo izidingo zeholo lezivakashi, ngoba lo mkhiqizo wemalimboleko awubandakanyi ukubalwa kwe-DTI. Futhi isilinganiso esincane se-DSCR singaba phansi sibe ngu-0. Ngisho noma irenti yendlu iphansi, singakwazi ukukwenza! Lokhu ukukhetha okuhle kwezivakashi ezineholo eliphansi 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.

Imihlahlandlela yethu iyavumelana nezimo futhi uma imalimboleko yakho inengqondo sizokusiza ukuyivala ngokushesha. Sinokuxhumana okushelelayo kanye nenzuzo esheshayo yemali mboleko ye-Non-QM, xhumana nathi uma unezidingo.

Wenza imali eyengeziwe! Ukuthunyelwa kwethu okumaphakathi kokuvala kungaphansi kwamaviki angu-3 futhi sivala ngaphandle kokuhlupheka. Cabanga ukuthi ukuthunyelwa kwakho kuzokwanda kanjani.