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

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.Imisebenzi Yokubolekisa Ngezentengiselwano,Izilinganiso Ze-Mortgage Broker,Imikhawulo Yemalimboleko Evamile ye-Dti yango-2021, Ngaphandle kwemikhiqizo yokubolekwa kwempahla yendabuko, sinikeza uhla lwezixazululo zokubolekwa kwe-niche ezihlangabezana nezidingo ezithile zamaklayenti. Imikhiqizo yethu yemalimboleko ye-'Non-QM' yakhelwe izimo zezimali ezingajwayelekile, okusenza sibe ababoleki abangafaneleki ngendlela evamile. Sikholelwa ukuthi kukhona imali ebolekwayo yawo wonke umuntu, futhi izinketho zethu zemalimboleko ezikhethekile zibonisa ukuzibophezela kwethu ekubandakanyeni wonke umuntu.

- 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:

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-AAA Lendings Non-QM Non-DTI ratio Programme – Ukuncipha Kwempahla(Impahla Kuphela) – AAA Lendings , Umkhiqizo uzohlinzeka emhlabeni wonke, njengalezi: Sacramento, Kuwait, Serbia, Besilokhu sibambelela kufilosofi yokuheha amakhasimende ngezinto ezihamba phambili nesevisi enhle kakhulu. Samukela amakhasimende, izinhlangano zamabhizinisi nabangane abavela kuzo zonke izingxenye zomhlaba ukuze baxhumane nathi futhi bafune ukubambisana ukuze bathole izinzuzo ezifanayo.

-AAA Ukuboleka

Ukuhlukahluka komkhiqizo kuphelele, ikhwalithi enhle futhi engabizi, ukulethwa kuyashesha futhi ukuthutha kuwukuphepha, kuhle kakhulu, siyajabula ukubambisana nenkampani ehloniphekile!
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