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

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.I-Mortgage Lender ephezulu e-La,I-Conventional Loan Refinance,Isilinganiso Semali Yendlu Esihle kakhulu, Uma kuziwa emazingeni, i-AAA LENDINGS izibophezele ekunikezeni izinketho ezincintisanayo nezithengekayo. Siyazi ukuthi ukuthola imali ebolekiwe akubandakanyi nje ukuthola ikhaya lamaphupho akho kodwa futhi nokuqinisekisa ukuthi lihlala liwutshalomali oluthengekayo. Ukuzinikela kwethu ekunikezeni amanani ancintisanayo kusho ukuthi ungakwazi ukuqalisa ngokuzethemba ohambweni lwakho lokuba umninikhaya, wazi ukuthi uthole imali ebolekiwe evumelana nesabelomali sakho.

- 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 uzophakela emhlabeni wonke, njengalokhu: Mauritius, Slovak Republic, Ecuador, Sithatha izinyathelo zanoma yiziphi izindleko ukuze sizuze ngokuyisisekelo amathuluzi nezindlela ezisesikhathini samanje. Ukupakishwa komkhiqizo okhethiwe kuyisici sethu esengeziwe esihlukanisayo. Izinto zokuqinisekisa iminyaka yesevisi engenazinkinga zihehe amakhasimende amaningi. Izixazululo zitholakala ngemiklamo ethuthukisiwe kanye ne-assortment ecebile, zidalwe ngokwesayensi ngezinto ezingavuthiwe kuphela. Itholakala kalula ngemiklamo ehlukahlukene kanye nokucaciswa kokukhetha kwakho. Izinhlobo zakamuva zingcono kakhulu kunezo ezandulelayo futhi zithandwa kakhulu ngamathemba amaningi.

-AAA Ukuboleka

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