I-Elite Jumbo Loans: Lapho Okunethezeka Kuhlangana Nokufinyeleleka
11/06/2023
Ukuxhaswa ngezimali kwekhaya akukaze kubukeke kukuhle ngale ndlela!Kulabo abaphupha bebakhulu kodwa abagoqayo emcabangweni wamazinga enzalo ephezulu, i-AAAElite Jumbo Loanilapha ukushintsha umdlalo.
Kungani Khetha i-ELITE JUMBO?
1. Linganisa Izaphulelo
Uma siphezulu isilinganiso sediphozi, sibaluleke kakhulu isaphulelo sezinga lenzalo.Ngempela, lesi saphulelo sezinga yisona esenza umkhiqizo wethu uhluke emikhiqizweni efanayo emakethe.AAAElite Jumboinikeza izaphulelo zezinga ngokusekelwe enanini lakho lediphozithi.Ungakhetha izinketho zediphozithi ezilandelayo:
| Idiphozithi % yenani Lemalimboleko | Isaphulelo Ukuze Ukale |
| 20% | 0.500% |
| 30% | 0.625% |
| 40% | 0.750% |
| 50% | 0.875% |
Nasi isibonelo sisebenzisa umkhiqizo we-5/6 ARM wokuthi lokhu kuzosebenza kanjani ukuze kutholwe inani lenzalo eliphansi:
| Imali Ebolekiwe | Isilinganiso Esikhiyiwe sokuqala | Izimpahla Ezifakiwe | Isilinganiso Sesaphulelo |
| $1,000,000 | 7.375% | $200,000 | 6.875% |
| $1,000,000 | 7.375% | $300,000 | 6.750% |
| $1,000,000 | 7.375% | $400,000 | 6.625% |
| $1,000,000 | 7.375% | $500,000 | 6.500% |
Uma ikhasimende lihlose ukuthenga indawo yokuhlala eyinhloko, linesikolodo esingu-720, isilinganiso se-Loan-to-Value (LTV) esingu-70%, kanye nenani lemalimboleko engu-$1 million, ngokusekelwe kuzilinganiso ze-AAA LENDIS' Elite Jumbo kusukela ngo-Okthoba. 31, 2023, ngokufaka u-50% yenani lemali ebolekiwe, ikhasimende lingathola isaphulelo esingu-6.5%.Uma kuqhathaniswa namazinga emakethe avamile angaphezu kuka-7.5%, i-ELITE JUMBO yethu ivumela amakhasimende ukuthi ajabulele amanani aphansi, afana ne-CONFORMING loan.
Vele ufake idiphozi ku-akhawunti ekhethiwe ye-AAA, yigcine unyaka wonke, futhi uthole lezi zaphulelo ezikhethekile.Yini ejabulisa kakhulu?Le diphozithi engaguquki izuza inzalo!!!
2. Imithombo Yediphozithi Eguquguqukayo
Amadiphozithi angaqhamuka ezipho noma ekongeni komuntu siqu.Uma kuyimali yekhasimende uqobo, ingasebenza njengendawo yokugcina imali ebolekiwe!
Q&A
Ingakanani i-LTV ephezulu nenani lemalimboleko?
——Ubukhulu.I-LTV 90%, Max.loan ami-$4M,ukuhlinzekela zonke izidingo zakho zemalimboleko.
Yiziphi izinhlobo ze-Amortization ezitholakalayo?
——Lo mkhiqizo ufaneleka kuphela i-5/6 ARM kanye ne-7/6 ARM Jumbo loans futhi awusebenzi kwezinye izinketho zokukhokha.Uhlobo lwe-amortization lubhekisela endleleni imali ebolekiwe ekhokhwa ngayo ngokuhamba kwesikhathi, okunquma ukwabiwa kothishanhloko kanye nenzalo enkokhelweni ngayinye.
Ingabe ikhona inketho ngaphandle kwediphozithi?
——Idiphozithi iyadingeka ukuze uthole isaphulelo.
Uthini umnqamulajuqu wediphozithi?
——Idiphozithi ngaphambi kwe-CTC yemalimboleko (imvume yokugcina).Uma selifakiwe, inani lenothi lizolungiswa ngokufanele.
Ingakanani inani elincane lediphozithi?
——Idiphozithi encane yalo mkhiqizo ingu-20% yenani lemalimboleko.Sinikeza izilinganiso zediphozi ezine: 20%, 30%, 40%, kanye no-50% ukuze ube nezimo nezimo.
Ingabe idiphozi ingasetshenziselwa ukukhokha kancane?
——Cha, le diphozithi ayihlanganisi inkokhelo ephansi nezindleko zokuvala.Idinga ukufakwa ku-akhawunti eqokiwe futhi igcinwe injalo unyaka.
Ingabe izinga lenzalo lizothinteka uma idiphozi ihoxiswa ngaphambi kwesikhathi?
——Ukuhoxa ngaphambi kwesikhathi akuvunyelwe;uma kungenjalo, inzalo izobuyela enanini eliphezulu lokuqala.
Ingabe zikhona ezinye izidingo ezikhethekile?
——Azikho ezinye izimfuneko ezikhethekile.Zonke ezinye izimo zilandela imihlahlandlela ye-5/6 ARM kanye ne-7/6 ARM Jumbo kuwebhusayithi esemthethweni ye-AAA.
Sengiphetha, i-AAA Elite Jumbo Loan ikunikeza isixazululo sezezimali esongayo nesivumelana nezimo.Noma ngabe ungumthengi wokuqala wezindlu noma ufuna ithuba lokuthola kabusha imali, lo mkhiqizo uyisinqumo sakho esikahle.Ungaphuthelwa yileli thuba eliyingqayizivele.Xhumana nathi manje futhi uqale uhambo lwakho lwezezimali!
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: Nov-07-2023