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Isikhungo Somkhiqizo

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.Imalimboleko Evamile Nge-Pmi,Ikhomishini Yokubolekisa Ngezindlu,Imali Engenayo Yangaphandle, Sikholelwa ekunikezeni amandla amaklayenti ethu ngolwazi. Kwa-AAA LENDINGS, sinikezela ngengcebo yezinsiza nezinto zokufundisa ukuze kucekelwe phansi umhlaba wezikweletu. Kusukela ezihlokweni neziqondiso kuwebhusayithi yethu kuya kumawebinars afundisayo, siyaqinisekisa ukuthi uyafinyelela olwazini oludingayo ukuze wenze izinqumo ezinolwazi mayelana noxhaso lwendlu yakho. Uhambo lwakho lokuba umninikhaya kufanele lube olokwethembayo, futhi silapha ukuze sikunikeze ulwazi lokwenza lokho kwenzeke.
- Uhlelo lwe-AAA Lendings Non-QM Non-DTI ratio Programme - Ukuqedwa Kwempahla(Impahla Kuphela) - Imininingwane Yokubolekwa kwe-AAA:

Ayinasihloko-2

Uhlolojikelele

Umuntu obolekayo uthengise ibhizinisi lakhe lezigidi zamadola wabe esethola ikhaya lamaphupho abo kodwa engenawo umthombo wemali yokubhala.

Imininingwane

1) Isamba semalimboleko esingafika ku-$2.5M;
2) Kufika ku-80% LTV;
3) Isilinganiso se-DTI singama-50%;
4) Imali ephumayo iyamukelwa;
5) Asikho isidingo solwazi lomsebenzi ekufakeni isicelo semalimboleko;
6) Impahla ihlukanisa amatemu angama-84 noma imibandela yemalimboleko engaguquki ukuze uthole umholo ofanelekayo obolekayo.

Luyini uhlelo?

• 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 ukulesi simo. Uhlelo olujwayelekile lwe-Non-QM, oluphinde luqanjwe ngokuthi “impahla kuphela”. Awudingi ukuhlinzeka ngolwazi lomsebenzi namadokhumenti emali engenayo uma ufaka isicelo salolu hlelo.
Ingase isetshenziswe njengowodwa umthombo wemali engenayo ukuze uthole ukufaneleka kwemalimboleko noma ukwengeza eminye imithombo yemali engenayo. Uma isetshenziselwa ukwengeza eminye imithombo yemali engenayo, izimfuneko zempahla ezincane ngaphansi kwendlela yokufaneleka ziyayekwa.

Iyini inzuzo?

1) Asikho isidingo sokuhlinzeka nganoma yimiphi imibhalo yemali engenayo;
2) Indlu eyisisekelo kuphela;
3) Amadokhumenti ancishisiwe
4) Kulula ukufaneleka

Yiziphi izimpahla ezingasetshenziswa kulolu hlelo?

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 ukuqedwa

Kulolu hlelo, ungase unakekele imikhawulo engezansi. Izinhlobo ezimbalwa zezinhlobo azikwazi ukusetshenziswa nakuba ungasebenzisa lezi zimpahla uwedwa:

• Ukulingana Emizini Ethengiswayo;
• Amasheya athengiswa ngasese noma anemikhawulo/angasenayo;
• Noma iyiphi impahla ekhiqiza imali engenayo isivele ifakiwe ekubalweni kwemali engenayo:
• Noma iyiphi impahla ephethwe egameni lebhizinisi.

Izithombe zemininingwane yomkhiqizo:

- Uhlelo lwe-AAA Lendings Non-QM Non-DTI ratio - Ukuqedwa Kwempahla(Impahla Kuphela) - Izithombe zemininingwane yokubolekwa kwe-AAA

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. – Uhlelo lwe-AAA Lendings Non-QM Non-DTI ratio Programme – Ukuncipha Kwempahla(Impahla Kuphela) – AAA Lendings , Umkhiqizo uzophakela kuwo wonke umhlaba, njengalokhu: Paraguay, Argentina, moldova, Umnyango wethu we-R&D uhlale uklama ngemibono emisha yemfashini ukuze sethule izitayela zemfashini zamuva njalo ngenyanga. Izinhlelo zethu eziqinile zokuphatha ukukhiqiza zihlala ziqinisekisa imikhiqizo ezinzile nesezingeni eliphezulu. Ithimba lethu lezohwebo lihlinzeka ngezinsizakalo ezifika ngesikhathi nangempumelelo. Uma kukhona intshisekelo kanye nemibuzo mayelana nemikhiqizo yethu, sicela usithinte ngesikhathi. Sithanda ukusungula ubudlelwano bebhizinisi nenkampani yakho ehlonishwayo.
    • Ekhuluma ngalokhu kubambisana nomkhiqizi waseShayina, ngifuna nje ukusho kahle, saneliseke kakhulu.
    5 IzinkanyeziNgu-Coral waseFlorence - 2018.11.02 11:11
    Ubuchwepheshe obuhle kakhulu, isevisi ephelele yangemva kokuthengisa nokusebenza kahle komsebenzi, sicabanga ukuthi lokhu ukukhetha kwethu okuhle kakhulu.
    5 IzinkanyeziNgu-Elvira wase-Armenia - 2017.03.28 16:34

    OkuhlobeneIMIKHIQIZO

    Chofoza u-enter ukuze useshe noma u-ESC ukuze uvale