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

Imininingwane Yomkhiqizo

Ukungafihli kungumnyombo wemisebenzi yethu. Siyaziqhenya ngokuxhumana kwethu okuvulekile nokwethembeka namakhasimende ethu. Azikho izimali ezifihliwe, azikho izimanga. Sinikeza ulwazi olucacile, oluqondile mayelana nezinketho zakho ze-mortgage, siqinisekisa ukuthi unawo wonke amaqiniso okwenza izinqumo unolwazi. Umgomo wethu uwukwakha ukwethembana kumakhasimende ethu ngokukhuluma ngokungagwegwesi nokungafihli lutho, senze ulwazi lwakho lwezezimali lwendlu lushelele ngangokunokwenzeka.I-Arizona Mortgage Broker Noma Umbolekisi,I-La Mortgage Broker Noma Umbolekisi,Izindleko Ezivamile Zokuvalwa Kwemalimboleko, Njengengxenye yokuzibophezela kwethu ukuhlala siphambili embonini, sitshala imali eningi kubuchwepheshe obusezingeni eliphezulu ukuze senze lula isicelo semali mboleko kanye nenqubo yokugunyaza. Lokhu akusheshisi kuphela inqubo yesicelo kodwa futhi kukuhlinzeka ngezibuyekezo zesikhathi sangempela mayelana nesimo sakho semali mboleko yezindlu, kukunikeza ukuthula kwengqondo futhi kuqede ukungaqiniseki okungase kufike nenqubo yemali mboleko. Indlela yethu eqhutshwa ubuchwepheshe isivumela ukuthi sinikeze ulwazi olungenazihibe futhi olulula, senze uhambo lwakho lokuya kubanikazi bezindlu noma ekunikezeni imali kabusha lusebenze kahle ngangokunokwenzeka.

- 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:

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. - I-AAA Lendings Non-QM Inketho Yempahla Efanelekayo Kalula kuphela - I-ATR-In-Full - AAA Lendings , Umkhiqizo uzohlinzekwa kuwo wonke umhlaba, njengalokhu: I-Bangalore, i-Ireland, i-Rome, Sihlose ukukhula sibe abahlinzeki abanolwazi kakhulu kulo mkhakha e-Uganda, siqhubeka nokucwaninga ngenqubo yokudala kanye nokukhulisa ikhwalithi ephezulu yomthengisi wethu. Kuze kube manje, uhlu lokuthengiswayo lubuyekezwa njalo futhi luhehe amakhasimende avela emhlabeni wonke. Imininingwane ejulile ingatholakala ekhasini lethu lewebhu futhi uzonikezwa isevisi yomeluleki yekhwalithi enhle yithimba lethu langemva kokuthengisa. Bazokwenza ukuthi kwenzeke ukuthi uthole ukuvunywa okuphelele mayelana nezinto zethu futhi wenze izingxoxo ezigculisayo. Amabhizinisi amancane hlola efektri yethu e-Uganda angamukeleka nganoma yisiphi isikhathi. Ngiyethemba ukuthola imibuzo yakho ukuze uthole ukubambisana okujabulisayo.

-AAA Ukuboleka

Singabangane bakudala, izinga lomkhiqizo wenkampani belilokhu lilihle kakhulu futhi kulokhu intengo nayo ishibhile kakhulu.
5 Izinkanyezi

Ngu-Eleanore wase-Cyprus - 2018.05.22 12:13

Umphathi wezokuthengisa unezinga elihle lesiNgisi nolwazi olunekhono lochwepheshe, sinokukhulumisana okuhle. Uyindoda efudumele futhi ejabule, sibambisene kamnandi futhi saba abangane abakhulu ngasese.
5 Izinkanyezi

NguNkosi wase-Austria - 2017.10.13 10:47