WVOE Uhlolojikelele
WVOEkuyisinqumo esihle somuntu oholayo ongakwazi ukuthola imali ebolekiwe ye-ejensi futhi ongafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.
Linganisa:CHOFOZA LAPHA
Amaphuzu avelele wohlelo lwe-WVOE
7/6 ARM (5/1/5)
1) Izwe langaphandle elivunyelwe;
2) Akukho Paystub / W2 / tax return / 4506-C;
3) Izimali zesipho zivunyelwe;
4) Ubukhulu.Imali Ebolekiwe $2M;
5) Ubukhulu.I-LTV 70%;
6) Imizuzu.I-FICO 700.
* Uma i-FICO 680-699, sicela ushayele okuhlukile
Yini i-WVOE?
Ingabe isicelo sakho somboleki sasibuyekeziwe ama-paystubs kaningi ngenxa yemibandela yokubhala ngaphansi?
Ingabe umbolekisi ubale iholo lakho futhi wakutshela ukuthi awufanelekile nge-mortgage?
Awukwazanga ukuthola ama-W2 akho noma ama-paystubs?
Ababolekayo abaholayo bathola iholo elingashintshi noma iholo elivela kumqashi njengembuyiselo yesevisi abayihlinzekiwe futhi abanabo ubunikazi noma inzalo yobunikazi engaphansi kuka-25% ebhizinisini.Isinxephezelo singase sisekelwe kusisekelo sehora, iviki, biweekly, nyanga zonke, noma isigamu senyanga.Uma ngehora, inani lamahora ahleliwe kufanele libhekwe.Imali engenayo eqinisekisiwe kufanele iguqulwe ibe inani ledola lanyanga zonke ukuze lisetshenziswe esicelweni esisemthethweni (FNMA Form 1003).Ngokubona kombhali wangaphansi, imibhalo eyengeziwe yemali engenayo ingacelwa.
Izinzuzo ze-WVOE
Okugqamile kulolu hlelo wukuba lula kwalo.Okuwukuphela kwedokhumenti edingekayo ukuze kubalwe imali engenayo ngaphansi kwalolu hlelo yifomu le-WVOE.Lokhu kunikeza inqubo eyenziwe lula kakhulu futhi elula yababolekayo abanekhono elibonisiwe lokubuyisela okungenzeka basanda kuphuthelwa imihlahlandlela ngezinhlelo ze-ejensi.
Indlela yokubala iholo?
- Sebenzisa iholo eliyisisekelo (isilinganiso senyanga, kabili ngesonto, noma isilinganiso sehora njengoba sisekelwa i-YTD) esivela ku-WVOE.
Izibonelo:
- Ingxenye yenyanga: Inani lanyanga zonke eliphindwe ngo-2 lilingana nemali engenayo yanyanga zonke.
- Mabili ngeviki: Inani lamasonto onke liphindwe ngo-26 lihlukaniswa ngo-12 lilingana nemali engenayo yanyanga zonke.
- Uthisha okhokhelwe izinyanga eziyi-9: Imali yanyanga zonke iphindwe ngezinyanga eziyi-9 ihlukaniswa ngezinyanga eziyi-12 ilingana nemali engenayo yanyanga zonke.
Khumbuza umqashi ukuthi agcwalise ifomu le-WVOE, bese umbolekisi ezoqhubeka nokuboleka imali ngokushesha.
