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 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.I-Underwriter Enhle Yedeskithophu,I-Illinois Mortgage Broker Noma Umbolekisi,I-Mortgage Broker Course, I-AAA LENDINGS izibophezele ekwenzeni uhambo lwakho lokubolekwa imali lube okuhlangenwe nakho okukunika amandla ngempela. Siyaqonda ukuthi ithemba lokuthola imali ebolekiwe kungaba yinto ejabulisayo futhi esabekayo. Kungakho senze indlela yokugxila kuboleki engagcini nje ngokwenza lula inqubo kodwa futhi ikubandakanye futhi ikufundise ngaso sonke isikhathi. Inhloso yethu ukwenza amaphupho akho obunikazi bendlu abe ngokoqobo kuyilapho sikugcina unolwazi futhi ujabule mayelana nenqubo.

- 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:

Iphupho lokuba nekhaya aligcini nje kulabo abathenga izindlu ngokwesiko. Kwa-AAA LENDINGS, sinezinhlelo ezikhethekile zokubhekelela ababoleki okungebona bendabuko. Uma uzisebenza, uneholo elishintshayo, noma ubhekene nezimo zezimali ezihlukile, izinketho zethu zemalimboleko zingabamba inzalo yakho. Samukela ukuhlukahluka kubaboleki futhi sifuna ngenkuthalo izixazululo zokuboleka imali, siqinisekisa ukuthi uhambo lwakho lokuba ngumninikhaya luhlala luheha, kungakhathaliseki ukuthi isimo sakho sezezimali sinjani. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalezi: Bahamas, Malawi, Bangladesh, Bangamamodeli ahlala isikhathi eside futhi bakhangisa kahle emhlabeni wonke. Ngaphansi kwanoma yiziphi izimo ukunyamalala kwemisebenzi ebalulekile ngesikhathi esifushane, kuyadingeka kuwe uqobo lwekhwalithi enhle. Kuqondiswa umgomo wePrudence, Efficiency, Union and Innovation. ibhizinisi lenza imizamo emangalisayo yokwandisa uhwebo lwamazwe ngamazwe, likhulise ibhizinisi lalo. rofit futhi ithuthukise izinga layo lokuthekelisa. Besiqiniseka ukuthi sizoba nethemba eliqhakazile futhi lisatshalaliswe emhlabeni wonke eminyakeni ezayo.

-AAA Ukuboleka