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 iyaziqhenya ngokubandakanyeka kwethu komphakathi nokuzibophezela komphakathi. Sikholelwa ukuthi ukuba umabolekisi oqotho kusho ukubuyisela emiphakathini esiyisebenzelayo. Ithimba lethu libamba iqhaza ngenkuthalo ezinhlelweni zokupha, lisekela izizathu zasendaweni, kanye nokuthuthukisa ulwazi lwezezimali. Asikho nje ebhizinisini lokuhlinzeka ngemalimboleko; sitshalwe ekwenzeni umthelela omuhle ezimpilweni zamakhasimende ethu kanye nemiphakathi ayibiza ngokuthi ikhaya.Izinkampani Eziphezulu Zokubolekwa Kwezindlu Ongazisebenzela,I-Mortgage Broker Meaning,Izilinganiso Zezindlu Zamanje, 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:

Nakuba ababolekisi abaningi belinganisele ububanzi babo, siyaqhubeka nokwandisa ubukhona bethu kuzo zonke izifundazwe, sisebenzela ababolekayo ezifundazweni ezingu-45, okuhlanganisa nezimakethe ezinamandla kakhulu njengeCalifornia neTexas. Ukufinyelela kwethu okunwetshiwe kusivumela ukuthi siqonde futhi sizivumelanise nezimo zesifunda, siqinisekise ukuthi amakhasimende ethu ezifundazweni ezihlukene athola ukwesekwa kwendawo kuyilapho esazuza kulwazi lwethu lwezwe lonke. – AAA Lendings Non-QM Non-DTI ratio Programme – Asset Depletion(Asset Only) – AAA Lendings , Umkhiqizo uzophakela kuwo wonke umhlaba, njengalokhu: Croatia, Sudan, Australia, Unyaka ngamunye, amakhasimende ethu amaningi ayevakashela inkampani yethu futhi azuze intuthuko enkulu yebhizinisi esebenza nathi. Sikwamukela ngobuqotho ukuthi usivakashele nganoma yisiphi isikhathi futhi ngokubambisana sizophumelela ekuphumeleleni okukhulu embonini yezinwele.

-AAA Ukuboleka

Abasebenzi benkonzo yamakhasimende kanye nendoda yokuthengisa banesineke kakhulu futhi bonke bakhuluma kahle ngesiNgisi, ukufika komkhiqizo nakho kufika ngesikhathi kakhulu, umphakeli omuhle.
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