I-Wholesale - I-AAA Lendings Non-QM Non-DTI ratio Programme – Ukuqedwa Kwempahla(Impahla Kuphela) – I-AAA Ebolekisa ngemali ebolekisayo kanye nomtshali-zimali

Imininingwane Yomkhiqizo

Kumakhasimende ethu amaningi, i-mortgage ingaphezu nje kokuthengiselana ngezezimali; kuyingqophamlando yempilo. Kungakhathaliseki ukuthi ungumthengi wokuqala wezindlu noma ungumtshali wezindlu ongumakadebona, sisondela kuhlelo lokusebenza ngalunye ngokunakekelwa nokunakwa olulufanele. Sithatha isikhathi sokuqonda izinhloso zakho nezifiso zakho, siqinisekisa ukuthi imali ebolekiwe yakho ihambisana nombono wakho wekusasa lakho.I-Mortgage Lender vs Broker,Izinhlobo Zemali Ebolekiwe Engenayo Imali Ephansi,Izinhlobo Ezivamile Zokubolekwa, Kwa-AAA LENDINGS, singazakwethu isikhathi eside. Izinsizakalo zethu zangemuva kokuvalwa zenzelwe ukukugcina umatasa ngisho nangemva kokuba imali yakho yendlu isiqinisekisiwe. Sinikeza izinsiza eziqhubekayo, njengamathiphu okunakekela ikhaya, isiqondiso sokutshalwa kwezimali, kanye nokuhlolwa kwempahla yezindlu ngezikhathi ezithile ukuze siqinisekise ukuthi imigomo yakho yezezimali isendleleni efanele. Ubudlelwano bethu nawe abupheli ekuvaleni; kuwukuzibophezela okuhlala njalo enhlalakahleni yakho yezezimali.

- 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:

Umhlahlandlela Womkhiqizo Ohlobene:

Ukuzibophezela kwethu ekwenzeni okuhle nokuzinikela kumakhasimende ethu kusishukumisele ukuba sandise ukusebenza kwethu kuzo zonke izifundazwe ezingama-45, okuhlanganisa i-Arizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwezinye. Nokho, impumelelo yethu ayichazwa ngezinombolo kuphela. Ukubuyekezwa okuhle okungenakubalwa kanye nesithunzi esinamandla sokukhuluma ngomlomo esikuzuzile kusebenza njengobufakazi bokwethemba nokuqiniseka imakethe esibeke khona. – AAA Lendings Non-QM Non-DTI ratio Programme – Asset Depletion(Asset Only) – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: United Kingdom, Malta, Tajikistan, Inhloso yethu ukusiza amakhasimende ukuthi enze inzuzo eyengeziwe futhi afeze imigomo yawo. Ngokusebenza kanzima okuningi, sisungula ubudlelwano bebhizinisi besikhathi eside namakhasimende amaningi emhlabeni jikelele, futhi sizuze impumelelo yokuwina. Sizoqhubeka nokwenza umzamo wethu omuhle kakhulu wokukusiza futhi sikunelise! Siyakwamukela ngokuzithoba ukuthi uhlanganyele nathi!

-AAA Ukuboleka

Umkhiqizi usinike isaphulelo esikhulu ngaphansi kwesisekelo sokuqinisekisa ikhwalithi yemikhiqizo, siyabonga kakhulu, sizophinda sikhethe le nkampani.
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Ngu-lucia ovela eNew Orleans - 2017.09.22 11:32

Umphathi wama-akhawunti wenze isingeniso esinemininingwane mayelana nomkhiqizo, ukuze sibe nokuqonda okuphelele komkhiqizo, futhi ekugcineni sanquma ukubambisana.
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