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

Imininingwane Yomkhiqizo

Ezweni lokubolekwa kwezindlu, ukufinyeleleka kubalulekile. Ipulatifomu yethu ye-digital mortgage yakhelwe kucatshangelwa ukunethezeka kwakho. Ungafaka isicelo semali mboleko, ulayishe amadokhumenti, futhi ulandelele intuthuko yakho yemalimboleko ku-inthanethi, konke ngokunethezeka kwekhaya lakho. Sidale okuhlangenwe nakho okudijithali okubandakanyayo okukubeka olawulweni, okuqinisekisa ukuthi ungakwazi ukuphatha isicelo sakho semali mboleko ngejubane lakho, 24/7.I-Conventional Loan Texas,Qasha Umshwalense Wokulahlekelwa,Imibuzo ephezulu ye-Mortgage, 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:

Siyaqonda ukuthi i-mortgage akuyona nje umsebenzi wezezimali kodwa isinqumo esibalulekile sempilo. Ukugxila kwethu ekugxileni kwamakhasimende kusho ukuthi asigcini nje ngokucabangela izinombolo; sicabangela indaba yakho ehlukile, izifiso, kanye nemigomo yezezimali. Ochwepheshe bethu bezindlu ezibolekiwe bazinika isikhathi sokuqonda uhambo lwakho lomuntu siqu, baqinisekise ukuthi uthola isixazululo semali mboleko esihambisana nombono wakho wesikhathi esizayo. - I-AAA Lendings Non-QM Inketho Yempahla Efanelekayo Kalula kuphela - I-ATR-In-Full - AAA Lendings , Umkhiqizo uzohlinzeka emhlabeni wonke, njenge: Madrid, Rwanda, Zambia, imikhiqizo yethu efanelekile inegama elihle emhlabeni wonke njengenani elincintisana kakhulu futhi inzuzo yethu enkulu yesevisi ngemva kokuthengisa kumakhasimende. ubudlelwano obunobuhlakani nabo ngamazinga ethu ochwepheshe kanye nemizamo engapheli.

-AAA Ukuboleka