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-Mortgage Broker yaseSan Francisco,Incazelo Yomsebenzi Womabolekisi Wezindlu Zokuboleka,Ukudalulwa Okudidiyelwe kwe-Tila-Respa, Kwa-AAA LENDINGS, siyaqonda ukuthi ukukhetha umabolekisi wezindlu kuyisinqumo esibalulekile. Kungakho sithatha elinye ibanga ukwenza ukuzizwisa kwakho kumeme ngangokunokwenzeka. Sinikeza iwebhusayithi esebenziseka kalula enokuzulazula okulula, siqinisekisa ukuthi ungakwazi ukufinyelela ulwazi olubalulekile kalula. Uzothola amathuluzi awusizo nezinsiza njengezibali zokubambisa kanye nokuthunyelwe kwebhulogi okufundisayo, okuklanyelwe ukukunikeza amandla olwazi nokwenza uhambo lwakho lwemali yezindlu luhehe futhi lufundise.

- 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:

Isikhathi sakho siyigugu, futhi siyakuhlonipha lokho. Kwa-AAA LENDINGS, sizibophezele ekwenzeni lula inqubo ye-mortgage ukuze wonge isikhathi nomzamo. Uhlelo lwethu lokusebenza oluku-inthanethi lusebenziseka kalula futhi luklanywe ngokunethezeka kwakho engqondweni. Ungakwazi ukuqedela isicelo ngejubane lakho, kusukela ukunethezeka kwekhaya lakho noma ihhovisi. Siyazi ukuthi unempilo ematasa, futhi sihlose ukwenza inqubo ye-mortgage ihehe, isebenze kahle, futhi yonge isikhathi. - I-AAA Lendings Non-QM Inketho Yempahla Efanelekayo Kalula kuphela - I-ATR-In-Full - AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: US, Slovenia, Georgia, Okwamanje, okuthengiswayo kwethu kuthunyelwe emazweni angaphezu kwamashumi ayisithupha nasezifundeni ezahlukene, njengaseNingizimu-mpumalanga ye-Asia, iMelika, i-Afrika, i-Afrika, i-Canada yonke ithemba. kokubili eChina nasemhlabeni wonke.

-AAA Ukuboleka

Le nkampani igcina umqondo wokusebenza wokuphathwa kwesayensi, izinga eliphezulu kanye nokusebenza kahle kokubaluleka, ikhasimende eliphakeme, besilokhu sigcina ukubambisana kwebhizinisi. Sebenza nawe, sizizwa silula!
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