- Uhlelo lwe-AAA Lendings Non-QM Non-DTI ratio Programme - Ukuqedwa Kwempahla (Impahla Kuphela) - Imininingwane Yokubolekwa kwe-AAA:

Uhlolojikelele
Akubona bonke ababoleki abangena kahle emabhokisini adingwa ababolekisi bendabuko. Abanye ababoleki ngabatshalizimali, abazisebenzayo, osomabhizinisi, asebethathe umhlalaphansi, noma baphila ngokutshalwa kwezimali kwabo. Bangabantu abanomthwalo wemfanelo kwezezimali, kodwa bangase bangabi nayo imithombo yemali engenayo ekwazi ukulinganiswa kalula.
I-AAA LENDIS Izinhlelo zokuqedwa kwempahla ye-Mortgage zivumela lezi zinhlobo zababoleki ukuthi zisebenzise izimpahla zabo zomuntu siqu nezebhizinisi njengendlela yokufanelekela ukubolekwa kwendlu.
Amaphuzu avelele ohlelo
1) Isamba semalimboleko esingafika ku-$2.5M;
2) Kufika ku-80% LTV;
3) Isilinganiso se-DTI singama-50%;
4) Imali ephumayo iyamukeleka;
5) Ulwazi lokuqashwa aludingeki ekufakeni isicelo semalimboleko;
Kuyini Ukuqedwa Kwempahla?
• Ingabe umsebenzi wakho noma iholo lakho lehlulekile ukuze ufanelekele ukubolekwa indlu?
• Ingabe unempahla eyanele ku-akhawunti yakho?
• Ingabe usanda kuthengisa indawo eyodwa futhi ufuna ukuthenga enye indlu?
• Awufuni ukuhlinzeka ngezinhlobo zemibhalo yemali engenayo?
• Uyazibuza ukuthi ababolekisi bayigunyaza kanjani imalimboleko yakho ngaphandle kokucabangela isilinganiso se-DTI?
Ukwehliswa Kwempahla/ Ukusetshenziswa kusiza laba bafake izicelo uma ukulezi zimo. Uhlelo olujwayelekile lwe-Non-QM, oluphinde luqanjwe ngokuthi “impahla kuphela”. Ababoleki akudingeki banikeze noma yiluphi ulwazi lomsebenzi noma imibhalo yemali engenayo lapho befaka isicelo Sokuqedwa Kwempahla.
Ingase isetshenziswe njengowodwa umthombo wemali engenayo ukuze uthole ukufaneleka kwemalimboleko noma ukwengeza eminye imithombo yemali engenayo. Izidingo ezincane zempahla ngaphansi kwendlela yokufaneleka ziyayekwa lapho zisetshenziselwa ukwengeza eminye imithombo yemali engenayo, .
Izinzuzo Zokuqedwa Kwempahla
1) Asikho isidingo sokuhlinzeka nganoma yimiphi imibhalo yemali engenayo;
2) Okuyinhloko Kuphela;
3) Amadokhumenti amancane;
4) Kulula ukufaneleka.
Izidingo Zefa
Izimpahla kufanele zibe uketshezi futhi zitholakale ngaphandle kwenhlawulo; amadokhumenti engeziwe angase acelwe ukuze kuqinisekiswe umsuka wezimali:
• U-100% wama-Akhawunti Okuhlola, Okonga, kanye ne-Money Market;
• U-70% Wamasheya, Amabhondi, Nezikhwama Zokusebenzisana;
• U-70% Wezimpahla Zokuthatha Umhlalaphansi: Ufaneleka uma umboleki eneminyaka yobudala yokuthatha umhlalaphansi (okungenani ama-59 ½);
• U-60% Wezimpahla Zokuthatha Umhlalaphansi: Kuyafaneleka uma umboleki engekho eminyakeni yokuthatha umhlalaphansi.
Izimpahla Ezingafanelekile
Kulolu hlelo, ababoleki bangase banakekele imikhawulo engezansi. Izinhlobo ezimbalwa zezimpahla azikwazi ukusetshenziswa:
• Ukulingana Emizini Ethengiswayo;
• Amasheya athengiswa ngasese noma anemikhawulo/angasenayo;
• Noma yiziphi izimpahla ezikhiqiza imali engenayo esezifakiwe ekubalweni kwemali engenayo:
• Noma iyiphi impahla ephethwe egameni lebhizinisi.
Izithombe zemininingwane yomkhiqizo:
Umhlahlandlela Womkhiqizo Ohlobene:
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-AAA Lendings Non-QM Non-DTI ratio Programme – Ukuqedwa Kwempahla (Impahla Kuphela) – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Congo, UK, Casablanca, Ngekhwalithi enhle, intengo enengqondo kanye nesevisi eqotho, sijabulela idumela elihle. Imikhiqizo ithunyelwa eNingizimu Melika, e-Australia, eNingizimu-mpumalanga ye-Asia njalonjalo. Wamukele ngokufudumele amakhasimende ekhaya nakwamanye amazwe ukuze abambisane nathi ngekusasa eliqhakazile.
Ngu-Edwina waseGhana - 2018.02.21 12:14 Imboni inemishini ethuthukisiwe, izinduku ezinolwazi kanye nezinga elihle lokuphatha, ngakho ikhwalithi yomkhiqizo yayinesiqiniseko, lokhu kubambisana kukhululekile kakhulu futhi kujabule!
Ngu-Mag wase-Costa Rica - 2018.03.03 13:09 






