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.Imali Engenayo Eshiwo,Ihhovisi Lokulawula Izimpahla Zangaphandle,I-Mortgage Broker Gold Coast, 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:

Ukuzibophezela kwethu ekwenzeni izinto obala kudlulela ngale kwezigaba zokuqala zenqubo yokubolekwa kwezindlu. Siqinisekisa ukuthi unokuqonda okucacile kwemibandela yakho yemali mboleko, okuhlanganisa amanani enzalo, izinkokhelo, nezindleko zokuvala. Azikho izimanga ngosuku lokuvala. Sizinikele ekukunikezeni izincazelo eziqondile, ezingenayo i-jargon, ukuze ukwazi ukuzulazula ngokuzethemba izici zezimali zokuthenga kwakho ikhaya noma ukuxhasa ngezimali kabusha. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Malta, Poland, Malta, Sithole ukuqashelwa okuningi phakathi kwamakhasimende asabalale emhlabeni wonke. Bayasethemba futhi njalo banikeza imiyalo ephindaphindwayo. Ngaphezu kwalokho, okubalulwe ngezansi ngezinye zezinto ezinkulu ezidlale indima enkulu ekukhuleni kwethu okukhulu kulesi sizinda.

-AAA Ukuboleka

Umuntu othengisayo unomsebenzi futhi unomthwalo wemfanelo, unemfudumalo futhi unesizotha, saba nengxoxo emnandi futhi ayikho imigoqo yolimi ekukhulumisaneni.
5 Izinkanyezi

Ngu-Beatrice wakwa-Israel - 2017.08.15 12:36

Lokhu abakhiqizi abagcinanga ngokuhlonipha ukukhetha kwethu kanye nezidingo zethu, kodwa futhi basinike iziphakamiso eziningi ezinhle, ekugcineni, saqeda ngempumelelo imisebenzi yokuthenga.
5 Izinkanyezi

Ngu-Christina wase-Swedish - 2018.04.25 16:46