Isikhungo Somkhiqizo

Uhlolojikelele

Isitatimende Sebhange Lephothifoliyo
Iphothifoliyo ye-DSCR
I-Portfolio Foreign National DSCR

* Ukuthengisa Kuphela

Imininingwane

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Isilinganiso sokuthenga ngaphansi kwesigaba 1:2;
3) Ibanga Lenani Lemalimboleko $500,000 - $5,000,000.

* Isilinganiso sokuthenga ngaphezu kwesilinganiso esingamukeleki

Luyini lolu hlelo?

Isitatimende Sebhange Lephothifoliyo

1) Imali Yomboleki efanayo nohlelo lwephothifoliyo;

2) Ukuthembela/Ukubuyekezwa Kwebhizinisi, uma kusebenza u-$300;

3) Ukubuyekezwa kwe-TX Doc, uma kusebenza i-$ 150;

4) Imali Yesitatimende Sebhange I-LTV Max 65%;

5) Isitatimende Sebhange - Inzalo Kuphela I-Max LTV engu-60%;

I-6) Imali Encane Yemali Ebolekiwe $500,000;

7) Izwe Langaphandle - Ayifaneleki;

8) I-Penalty Yezinyanga Ezingu-18 Yokukhokha Ngaphambili ilingana nenzalo yezinyanga eziyisi-6.

Iphothifoliyo ye-DSCR

1) Imali Yomboleki efanayo nohlelo lwephothifoliyo;

2) Ukuthembela/Ukubuyekezwa Kwebhizinisi uma kusebenza u-$300;

3) Ukubuyekezwa kwe-TX Doc uma kusebenza i-$ 150;

I-4) Imali Encane Yemali Ebolekiwe $500,000;

5) Izwe Langaphandle - Ayifaneleki;

6) Ubuncane be-DSCR 1.000;

7) Imalimboleko Eyenziwe Kumuntu Wemvelo - Abekho Ababoleki Benhlangano;

8) 2-4 Iyunithi Yezakhiwo Efanelekayo kanye Nokwehliswa ngo-5% ku-Max LTV/CLTVs ku-Matrix;

9) Izinyanga Eziyi-18 Isijeziso Sokukhokha Ngaphambili silingana nenzalo yezinyanga eziyisi-6.

Iphothifoliyo ye-FN DSCR

1) Imali Yomboleki efanayo nohlelo lwephothifoliyo;

2) Ukuthembela/Ukubuyekezwa Kwebhizinisi uma kusebenza u-$300;

3) Ukubuyekezwa kwe-TX Doc uma kusebenza i-$ 150;

4) Ukubuyekezwa Kwezwe Langaphandle $250;

I-5) Imali Encane Yemali Ebolekiwe $500,000;

6) Ubuncane be-DSCR 1.000;

7) Inzalo Kuphela - Ayivunyelwe;

8) Amandla Ommeli - Akavunyelwe;

9) Isijeziso Sokukhokha Ngaphambili (Umtshalizimali kuphela) izinyanga eziyi-18 futhi silingana nenzalo yezinyanga eziyisi-6.

Ibalwa kanjani i-Portfolio DSCR?

I-DSCR izobalwa ngale ndlela elandelayo: DSCR = *Isamba Semali Engenayo Yokuqasha ÷ Inkokhelo Yanyanga Zonke Efanelekayo (P kanye nami kuphela);

*Imali Engenayo Yokuqasha = Isamba Semali Yokuqasha * (1 – Isici Sezindleko);

Izici Zezindleko: Impahla engena-HOA = 25%, Impahla ene-HOA = 30%;

Irenti izoba ngaphansi kwalokhu: Imali engenayo yokuqashisa yamanje noma inani eliku-1007 elihlinzekwe umhlaziyi elibonisa ishejuli yokuqasha emakethe.