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

Imininingwane Yomkhiqizo

Ukuzibophezela kwethu ekwenzeni okuhle nokuzinikela kumakhasimende ethu kusishukumisele ukuba sandise ukusebenza kwethu kuzo zonke izifundazwe ezingama-45, okuhlanganisa i-Arizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwezinye. Nokho, impumelelo yethu ayichazwa ngezinombolo kuphela. Ukubuyekezwa okuhle okungenakubalwa kanye nesithunzi esinamandla sokukhuluma ngomlomo esikuzuzile kusebenza njengobufakazi bokwethemba nokuqiniseka imakethe esibeke khona.Umphakathi Wabathengi,Isilinganiso Esiphansi Sokubolekwa Kwezindlu,Umphumela Wesikweletu, Njengozakwethu we-mortgage, sinikeza okungaphezu nje kokubolekwa imali; sinikeza umphakathi. I-AAA LENDIS inikezelwe ekudaleni umuzwa wokuba ngamakhasimende ethu. Inkundla yethu ye-inthanethi ihlanganisa izinkundla nezingxoxo lapho ungaxhumana khona nozakweboleka, wabelane ngolwazi, futhi ufune izeluleko. Le ndlela eqhutshwa umphakathi ikhuthaza indawo ebandakanyayo lapho ungathola khona ukwesekwa, imininingwane, kanye nogqozi njengoba uzulazula endleleni eya ekubeni umninikhaya.

- 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 lempahla, elingamboza inani lokuthenga noma inani lemalimboleko nezindleko zokuvala. Alukho ulwazi lomsebenzi oludingekayo; Ayikho i-DTI.

Amaphuzu avelele ohlelo

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 izinyanga eziyisi-6 ezigodliwe ezikhwameni zomboleki.

Iyini i-ATR-In-Full?

Uhlelo lwe-ATR-In-Full nalo luwuhlelo lwempahla, olufaneleka ngempahla kuphela.

Ngeke sibale i-DTI yabenzi bezicelo abafaneleka ngokufakazela Izimpahla kuphela (“ATR-In-Full”). Ngokwemishini, noma iyiphi imali engenayo noma umsebenzi osohlwini lwesicelo kuzothathwa njengokungafaneleki kulowo obhala phansi. Ngokunye, ingase ishiywe ingenalutho.

Ukufaneleka

Ngezansi izindlela zokubala:
Ukuze uthole imali ebolekiwe yokuthenga, isamba sezimpahla ezivumelekile kufanele sifane nenani lokuthenga kanye nanoma yiziphi izindleko zokuvala.
Izimpahla >= Intengo yokuthenga + zonke izindleko zokuvala
Ngemali mboleko yezimali, isamba sezimpahla ezivumelekile kufanele sifane 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 umboleki eno-59.5 noma ngaphezulu, izimpahla ezifanelekayo = $370,000 + $120,000 (60% ye-IRA) = $490,000 futhi imfushane ngo-$28,500.

Izimpahla Ezifanelekayo

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.

Izithombe zemininingwane yomkhiqizo:

Umhlahlandlela Womkhiqizo Ohlobene:

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. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Puerto Rico, Tunisia, US, Ukuthobela isiqubulo sethu esithi Bamba kahle ikhwalithi namasevisi, Ukwaneliseka Kwamakhasimende, Ngakho-ke sinikeza amaklayenti ethu imikhiqizo yesevisi yekhwalithi ephezulu nezisombululo. Qiniseka ukuthi uzizwa ukhululekile ukuxhumana nathi ukuze uthole ulwazi olwengeziwe.

-AAA Ukuboleka

Inkampani ingacabanga lokho esikucabangayo, ukuphuthuma kokuphuthuma ukwenza izithakazelo zesikhundla sethu, kungashiwo ukuthi lena yinkampani enomthwalo wemfanelo, saba nokubambisana okujabulisayo!
5 Izinkanyezi

Ngu-Edward wase-Seattle - 2018.11.28 16:25

Ukulethwa okufika ngesikhathi, ukuqaliswa okuqinile kwezinhlinzeko zenkontileka yezimpahla, kuhlangabezane nezimo ezikhethekile, kodwa futhi ngenkuthalo ubambisane, inkampani enokwethenjelwa!
5 Izinkanyezi

NguNorma waseKenya - 2018.06.03 10:17