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

Imininingwane Yomkhiqizo

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.Ukuhlolwa Kwemalimboleko Okuvamile,Umtshalizimali onolwazi,I-Top Mortgage Lenders Scotsman Guide, Isici esibalulekile sokuheha intshisekelo yakho ijubane ongafinyelela ngalo ulwazi olubalulekile lwemali mboleko. Iwebhusayithi yethu inesikhungo solwazi, esibuyekezwa njalo ngama-athikili ezinhlobonhlobo zezihloko ezihlobene nempahla mboleko. Kusukela ekuqondeni amaphuzu esikweletu kuya ekunciphiseni izindleko zokuvala, lezi zinsiza ziklanyelwe ukukubandakanya futhi zikufundise ngejubane lakho, zenze uhambo lwakho luhehe futhi lube nolwazi.

- 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:

Nakuba ababolekisi abaningi belinganisele ububanzi babo, siyaqhubeka nokwandisa ubukhona bethu kuzo zonke izifundazwe, sisebenzela ababolekayo ezifundazweni ezingu-45, okuhlanganisa nezimakethe ezinamandla kakhulu njengeCalifornia neTexas. Ukufinyelela kwethu okunwetshiwe kusivumela ukuthi siqonde futhi sizivumelanise nezimo zesifunda, siqinisekise ukuthi amakhasimende ethu ezifundazweni ezihlukene athola ukwesekwa kwendawo kuyilapho esazuza kulwazi lwethu lwezwe lonke. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Zambia, Paris, Uruguay, Njengefektri enolwazi futhi samukela i-oda elenziwe ngendlela oyifisayo futhi silenze lifane nesithombe sakho noma isampula esicacisayo kanye nokupakishwa kwedizayini yekhasimende. Umgomo oyinhloko wenkampani ukuphila inkumbulo eyanelisayo kuwo wonke amakhasimende, futhi isungule ubudlelwano bebhizinisi besikhathi eside bokunqoba. Ukuze uthole ulwazi olwengeziwe, sicela usithinte. Futhi kuyinjabulo yethu enkulu uma uthanda ukuba nomhlangano mathupha ehhovisi lethu.

-AAA Ukuboleka

Besifuna umphakeli ochwepheshe futhi onomthwalo wemfanelo, futhi manje siyayithola.
5 Izinkanyezi

Ngu-Maud wase-Mexico - 2017.05.02 11:33

Ubuchwepheshe obuhle kakhulu, isevisi ephelele yangemva kokuthengisa nokusebenza kahle komsebenzi, sicabanga ukuthi lokhu ukukhetha kwethu okuhle kakhulu.
5 Izinkanyezi

Ngu-Doreen wase-Singapore - 2018.02.08 16:45