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 ayiyona nje umbolekisi; singuzakwethu wezezimali. Sizinika isikhathi sokulalela izinjongo zakho zezezimali kanye nezifiso zakho, sikunikeza isiqondiso ngale kwenqubo yokufaka isicelo. Ukuzibophezela kwethu enhlalakahleni yakho yezezimali kudlulela ngalé kokuvalwa kwesivumelwano, futhi sizinikele ekusizeni ufinyelele izinjongo zakho zesikhathi eside, kungakhathaliseki ukuthi ubunikazi bezindlu, ukutshalwa kwezindlu, noma ukuhlanganiswa kwezikweletu.Isilinganiso Sokubolekwa Kwezindlu Esiphansi,Umqashi Ophezulu Wezindlu Zokuboleka 2020,I-Conventional Loan 620 Credit Score, Siyasazisa isikhathi sakho, futhi siyaqonda ukuthi isimiso sakho singase singahlali sihambisana namahora ebhizinisi avamile. Yingakho ukwesekwa kwamakhasimende ethu kutholakala ngale kwewindi le-9-to-5. Kungakhathaliseki ukuthi unemibuzo kusihlwa noma phakathi nempelasonto, silapha ukuze sikunikeze usizo. Amahora ethu osekelo anwetshiwe ahlose ukubandakanya amakhasimende ngokubonisa ukuzibophezela kwethu ekubeni lapho usidinga kakhulu. Ukunethezeka kwakho kuyinto eza kuqala kithi, futhi silapha ukuze senze uhambo lwakho lwe-mortgae luhehe futhi lungabi nazinkathazo ngangokunokwenzeka.

- 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:

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. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Panama, United States, Argentina, Siyakwamukela ukuthi uvakashele inkampani yethu nefekthri futhi indawo yethu yombukiso ibonisa imikhiqizo ehlukahlukene ezohlangabezana nokulindela kwakho. Okwamanje, kulula ukuvakashela iwebhusayithi yethu. Abasebenzi bethu bezokuthengisa bazozama ngakho konke okusemandleni abo ukukunikeza izinsizakalo ezihamba phambili. Uma udinga ulwazi olwengeziwe, sicela ungangabazi ukusithinta nge-E-mail, ngefeksi noma ngocingo.

-AAA Ukuboleka