I-Wholesale - I-AAA Lendings Non-QM Inketho Yempahla Efanelekayo Kalula kuphela – i-ATR-In-Full – AAA Ibolekisa ngemali ebolekisayo kanye nomtshalizimali

Imininingwane Yomkhiqizo

Ukungafihli kungumnyombo wemisebenzi yethu. Siyaziqhenya ngokuxhumana kwethu okuvulekile nokwethembeka namakhasimende ethu. Azikho izimali ezifihliwe, azikho izimanga. Sinikeza ulwazi olucacile, oluqondile mayelana nezinketho zakho ze-mortgage, siqinisekisa ukuthi unawo wonke amaqiniso okwenza izinqumo unolwazi. Umgomo wethu uwukwakha ukwethembana kumakhasimende ethu ngokukhuluma ngokungagwegwesi nokungafihli lutho, senze ulwazi lwakho lwezezimali lwendlu lushelele ngangokunokwenzeka.Izilinganiso Zenzalo Yemalimboleko Evamile,I-P&L Mortgage Broker,Izilinganiso Zemalimboleko Ezivamile Namuhla, Yasungulwa ngo-2007, i-AAA LENDINGS ingumbolekisi wezindlu odumile onomlando ocebile ohlanganisa iminyaka engu-15. Sizuze udumo ngokuzibophezela kwethu okungantengantengi ekunikezeni isevisi eyingqayizivele nokwethembeka emhlabeni wokubolekwa kwezindlu. Iphothifoliyo yethu emangalisayo yokuboleka iwubufakazi bokuhlangenwe nakho kwethu namandla ethu, nesamba semali mboleko esimangalisayo esingaphezu kwezigidigidi ezingama-20 zamaRandi. Eminyakeni edlule, lobu buchule bezezimali busenze sakwazi ukusiza imindeni ecishe ibe ngu-50,000 ekufinyeleleni izinhloso zayo zokuboleka, nokwenza amaphupho obunikazi bezindlu abe ngokoqobo.

- Ukubolekwa kwe-AAA Okungeyona i-QM Inketho Yempahla Efanelekayo Kalula kuphela - I-ATR-In-Full - Imininingwane Yokubolekwa Kwe-AAA:

Ayinasihloko-9

Uhlolojikelele

Uhlelo lwefa oludumile. Umboleki unenani elithile lemali, elingamboza inani lokuthenga noma inani lemalimboleko nezindleko zokuvala. Alukho ulwazi lomsebenzi; Ayikho i-DTI.

Imininingwane

1) Kufika ku-75% LTV;
2) Kufika ku-$4M inani lemalimboleko;
3) Indawo yokuhlala eyinhloko kuphela;
4) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali;
5) Okungenani izinqolobane zezinyanga eziyisi-6 ezivela ezikhwameni zomboleki.

Luyini lolu hlelo?

Uhlelo lwe-ATR-In-Full nalo luwuhlelo lwempahla, olufaneleka ngempahla kuphela. Ukukhetha okuhle kwezimali mboleko ezingezona ze-QM.
I-AAA Lendings ngeke ibale i-DTI yabenzi bezicelo abafaneleka ngokufakazela Izimpahla kuphela (“ATR-In-Full”). Ngokwemishini, noma iyiphi imali engenayo noma ukuqashwa okusohlwini lwesicelo kuzothathwa njengokungafaneleki kulowo obhala phansi futhi, ngokushintshana, kungase kushiywe kungenalutho. Uma ukuqashwa kanye nemali engenayo imelelwa esicelweni, i-DTI akufanele ibalwe

Wazi kanjani ukuthi ungakwazi yini ifa elifanelekayo lalolu hlelo?

Ngezansi izindlela zokubala:
Ukuze uthole imali ebolekiwe yokuthenga, isamba sezimpahla ezivumelekile kufanele sihambisane nenani lokuthenga kanye nanoma yiziphi izindleko zokuvala.
Izimpahla >= Intengo yokuthenga + zonke izindleko zokuvala
Ukuze uthole imali ebolekiwe, isamba sezimpahla ezivumelekile kufanele sihambisane nenani eliphelele lemalimboleko kanye nezindleko zokuvala.
Izimpahla >= Inani lemalimboleko + izindleko zokuvala

Bheka ngezansi ukufaneleka kwezimo, ungabheka izindlela zokubala ukuze ubone ukuthi ungakwazi yini ukufaneleka kuqala ngaphambi kokufaka imalimboleko kubabolekisi:

Isimo 1: Intengo yokuthenga kanye nezindleko zokuvala = $768,500. Izimpahla ezitholakalayo = $700,000 (ukonga) kanye no-$45,000 (50% we-IRA) = $748,000. Kafushane ngo-$20,500. Uma umboleki eneminyaka engu-59.5 noma ngaphezulu, izimpahla ezifanelekayo zingaba ngu-$700,000 + $54,000 (60% we-IRA) = $754,000 futhi mfushane ngo-$14,500.

Isimo sesi-2: Inani lemalimboleko kanye nezindleko zokuvala = $518,500. Izimpahla ezitholakalayo = $370,000 (ukonga) + $100,000 (50% we-IRA) = $470,000. Kafushane ngo-$48,500. Uma 59.5 noma ngaphezulu, amafa afanelekayo = $370,000 + $120,000 (60% we-IRA) = $490,000 futhi short by $28,500.

Iyiphi impahla efanelekile yalolu hlelo?

Ukheshi, amasheya, amabhondi kanye nempahla yomuntu siqu (ayikho impahla) = 100%
Ama-akhawunti omhlalaphansi = 50% uma 59 noma omncane futhi 60% uma abadala
Azikho izimali zebhizinisi

Yiziphi izinzuzo?

Okuncane. Izinyanga eziyisi-6 ezigciniwe

Izithombe zemininingwane yomkhiqizo:

Umhlahlandlela Womkhiqizo Ohlobene:

Iphupho lokuba nekhaya aligcini nje kulabo abathenga izindlu ngokwesiko. Kwa-AAA LENDINGS, sinezinhlelo ezikhethekile zokubhekelela ababoleki okungebona bendabuko. Uma uzisebenza, uneholo elishintshayo, noma ubhekene nezimo zezimali ezihlukile, izinketho zethu zemalimboleko zingabamba inzalo yakho. Samukela ukuhlukahluka kubaboleki futhi sifuna ngenkuthalo izixazululo zokuboleka imali, siqinisekisa ukuthi uhambo lwakho lokuba ngumninikhaya luhlala luheha, kungakhathaliseki ukuthi isimo sakho sezezimali sinjani. – I-AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Peru, Irish, Nigeria, Usebenzisa isistimu yomhlaba ehamba phambili yokusebenza okuthembekile, izinga eliphansi lokwehluleka, ulungele ukukhetha kwamakhasimende ase-Argentina. Inkampani yethu itholakala emadolobheni kazwelonke aphucuzekile, ithrafikhi ilula kakhulu, izimo zendawo nezomnotho zihlukile. Siphishekela ukuthambekela kwabantu, ukukhiqiza okucophelelayo, ukuxoxisana, ukwakha ifilosofi yebhizinisi ehlakaniphile. Ukuphathwa kwekhwalithi eqinile, isevisi ephelele, intengo enengqondo e-Argentina kuyisimo sethu esisekelweni sokuncintisana. Uma kunesidingo, wamukelekile ukuthi usithinte ngewebhusayithi yethu noma ngokubonisana ngocingo, sizokujabulela ukukusebenzela.

-AAA Ukuboleka

Ngethemba ukuthi inkampani inganamathela kumoya webhizinisi wekhwalithi, ukusebenza kahle, ukusungula izinto ezintsha kanye nobuqotho, kuzoba ngcono futhi kube ngcono esikhathini esizayo.
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