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Isikhungo Somkhiqizo

Imininingwane Yomkhiqizo

Imfundo yamakhasimende iyitshe lesisekelo le-AAA LENDINGS' mission. Sikholelwa ukuthi umboleki onolwazi ungumboleki onamandla. Yingakho sithatha igxathu elingeziwe ukuze sikunikeze izinsiza zemfundo nesiqondiso ukuze sikusize uzulazule ezinkingeni zenqubo ye-mortgae. Ithimba lethu lizinikele ekuphenduleni imibuzo yakho, ukuchaza ubunkimbinkimbi bezilinganiso zenzalo, izinketho zemalimboleko, nokunye okwengeziwe, ukuqinisekisa ukuthi wenza izinqumo ezinolwazi. Ulwazi lwakho lwezezimali kanye nokuzethemba kubalulekile kithi.I-Mortgage Lenders Bay Area,I-Dbo Mortgage Lender,Ababolekisi Bezindlu Eziyishumi Abaphezulu, Uma kuziwa ekwanelisekeni kwamakhasimende, asigcini nje ngokuhlangabezana nokulindelwe; siyabedlula. Ithimba lethu lizibophezele ekunikezeni ukwesekwa okungenakuqhathaniswa kulo lonke uhambo lwakho lokuboleka imali. Sinikeza izikhulu ezizinikele ezibolekayo ezifinyelelekayo nezilalelayo, siqinisekise ukuthi uthola usizo lomuntu siqu oluvela embuzweni wokuqala kuya etafuleni lokuvala. Sikholelwa ukuthi ngokuhamba ibanga elide nokuletha isevisi eyingqayizivele, asigcini nje ngokuheha kodwa futhi sigcina amakhasimende anelisekile ababa abagqugquzeli bethu ababaluleke kakhulu.
- 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:
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 ratio Programme – Asset Depletion(Asset Only) – AAA Lendings , Umkhiqizo uzohlinzeka kuwo wonke umhlaba, njengalokhu: Israel, Czech, Botswana, Ikhwalithi enhle kanye nentengo ephusile kusilethele amakhasimende azinzile kanye nedumela eliphezulu. Ukunikeza 'Imikhiqizo Yekhwalithi, Isevisi Enhle Kakhulu, Izintengo Ezincintisanayo Nokulethwa Ngokushesha', manje sibheke phambili ekusebenzisaneni okukhulu nakakhulu namakhasimende aphesheya okusekelwe ezinzuzweni ezifanayo. Sizosebenza ngenhliziyo yonke ukuthuthukisa imikhiqizo namasevisi ethu. Siphinde sithembise ukusebenza ngokubambisana nozakwethu bebhizinisi ukuze sikhuphulele ukubambisana kwethu ezingeni eliphezulu futhi sabelane ngempumelelo ndawonye. Siyakwamukela ngokufudumele ukuthi uvakashele imboni yethu ngobuqotho.
    • Ukunamathela kumgomo webhizinisi wezinzuzo ezifanayo, sinokuthengiselana okujabulisayo nokuphumelelayo, sicabanga ukuthi sizoba uzakwethu webhizinisi ongcono kakhulu.
    5 IzinkanyeziNgu-Martina wase-Amman - 2018.09.21 11:01
    Lena inkampani enedumela elihle, banezinga eliphezulu lokuphathwa kwebhizinisi, umkhiqizo omuhle kanye nenkonzo, konke ukubambisana kuqinisekiswa futhi kuyajabulisa!
    5 IzinkanyeziNguSalome waseMoldova - 2017.01.28 19:59

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