- 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:
Ezweni lokubolekwa kwezindlu, ukufinyeleleka kubalulekile. Ipulatifomu yethu ye-digital mortgage yakhelwe kucatshangelwa ukunethezeka kwakho. Ungafaka isicelo semali mboleko, ulayishe amadokhumenti, futhi ulandelele intuthuko yakho yemalimboleko ku-inthanethi, konke ngokunethezeka kwekhaya lakho. Sidale okuhlangenwe nakho okudijithali okubandakanyayo okukubeka olawulweni, okuqinisekisa ukuthi ungakwazi ukuphatha isicelo sakho semali mboleko ngejubane lakho, 24/7. – AAA Lendings Non-QM Non-DTI ratio ratio Programme – Asset Depletion (Asset Only) – AAA Lendings , Umkhiqizo uzohlinzeka emhlabeni wonke, njengalezi: Los Angeles, South Korea, Burundi, Njengendlela yokusebenzisa insiza olwazini olukhulayo namaqiniso ekuhwebeni kwamazwe ngamazwe, siyawamukela amathemba avela yonke indawo kuwebhu nokungaxhunyiwe ku-inthanethi. Naphezu kwemikhiqizo yekhwalithi ephezulu esiyinikezayo, insizakalo yokubonisana ephumelelayo nenelisayo ihlinzekwa yiqembu lethu lenkonzo yochwepheshe ngemva kokuthengisa. Uhlu lwezixazululo nemingcele enemininingwane kanye nanoma yimiphi eminye imininingwane etholakalayo izothunyelwa kuwe ngesikhathi ukuze uthole imibuzo. Ngakho sicela uxhumane nathi ngokusithumelela ama-imeyili noma usithinte uma kukhona okukukhathazayo mayelana nefemu yethu. futhi ungathola imininingwane yekheli lethu kuwebhusayithi yethu futhi uze ebhizinisini lethu. noma inhlolovo yendawo yezixazululo zethu. Siyaqiniseka ukuthi sizokwabelana ngemiphumela efanayo futhi sakhe ubudlelwano obuqinile bokusebenzisana nabalingani bethu kule makethe. Sibheke ngabomvu imibuzo yakho.
Ngu-Ella waseMexico - 2018.06.18 17:25 Umphathi we-akhawunti yenkampani unolwazi oluningi lwemboni nesipiliyoni, anganikeza uhlelo olufanele ngokwezidingo zethu futhi akhulume isiNgisi kahle.
Ngu-Rigoberto Boler wase-Japan - 2018.08.12 12:27 





