Uhlelo lwe-AAA Lendings' Bank Statement: Izici Eziyinhloko Eziluhlukanisayo

Esihlokweni sethu esandulele, AAAUkuboleka imali' Uhlelo Lwesitatimende Sebhange: Ukuxhasa Ngezimali Okwenziwa Lula Kwababoleka Abaziqashile, sigqamise indlela uhlelo lwethu lwenzelwe ukuhlangabezana nezidingo zosomabhizinisi, ama-freelancers, nabatshalizimali bezindlu. Namuhla, singena sijula ​​ezicini ezihlukile ezenza lolu hlelo lube lula futhi lufinyeleleke kubaboleki abanamaphrofayela ezezimali angajwayelekile.

Yini eyenza i-AAA Lendings 'Isitatimende sase bhangeUhlelo Oluhlukile?

1. I-DTI ephezulu? Ayikho inkinga!

Ingabe ukhathazekile ngesilinganiso se-Debt-to-Income (DTI) esidlula ama-50%? Asikho isidingo sokucindezela—uhlelo lwethu luklanyelwe ukwamukela ababolekayo abanama-DTI aphezulu. Sigxila esithombeni esikhulu sempilo yakho yezezimali, sikunikeza amathuba lapho ababolekisi bendabuko bengase bangabaze.

2. Ababoleki be-ITIN Siyakwamukela

Siyaziqaphela izidingo ezihlukene zemakethe yezindlu ezithengiswayo, okuhlanganisa nababolekayo abasebenzisa Inombolo Yesibonakaliso Yomkhokhi Wentela Ngamunye (ITIN). Kungakhathaliseki ukuthi uyazisebenza noma usebenza nezinye izinhlobo zamadokhumenti, uhlelo lwethu lukusibekele.

3. Izinketho Zokukhokha Inzalo Kuphela

Ingabe ufuna ukwandisa ukuhamba kwemali? Inketho yethu yokukhokha Inzalo Kuphela inikeza isixazululo esivumelana nezimo kubaboleki abafuna izinkokhelo eziphansi zanyanga zonke kuyilapho begxile kwezinye izinto ezibalulekile zezimali noma utshalomali.

4. I-Non-Warrantable Condo Financing

Ababolekisi abaningi bayawabalekela ama-condo anganikezwa iwaranti, kodwa hhayi I-AAA Lendings. Sisebenza ngokukhethekile ekuhlinzekeni ngemalimboleko yalezi zakhiwo eziyingqayizivele, okukunikeza ukufinyelela ezinkethweni zezimali zezindlu ezithengiswayo okungenzeka zingeke zifinyeleleke.

5. 1099 Ababoleki Bamukelekile

Uma ungusonkontileka we-1099, uzothola Uhlelo lwethu Lwesitatimende Sebhange luzifanela kahle izidingo zakho. Ngokuhlola izitatimende zakho zasebhange esikhundleni sokudinga ukubuyiselwa kwentela noma ama-W-2, senza inqubo ibe lula futhi sivule iminyango kubaboleki abanemifudlana yemali engenayo engokwesiko.

Lolu hlelo luphelele kubani?

- Osomabhizinisi Abaziqashile: Nweba amathuba akho ngemikhawulo ephezulu ye-DTI futhi akukho zidingo zokubuyiswa kwentela.

- Ama-Freelancer Nocontractors: Jabulela inqubo eyenziwe lula usebenzisa ukuqinisekiswa kwemali engenayo okungu-1099.

- Ababoleki be-ITIN: Finyelela izinketho ze-mortgage eziklanyelwe abantu abanobunye bokuhlonza.

- Abatshali Bezindlu: Hlola uxhaso lwezimali lwamakhondomu anganikezwa iwaranti noma khulisa izinkokhelo zenzalo kuphela ukuze ulawule ukugeleza kwemali okungcono.

Kungani Ababoleki Bakhetha Ukubolekwa kwe-AAA

- Ukuvumelana nezimo: Kusuka ezimpahleni eziphezulu ze-DTI kuye kwababoleka i-ITIN, uhlelo lwethu luvumelana nesimo sakho esiyingqayizivele.

- Ukusebenzisa Kalula: Azikho izimbuyiselo zentela, azikho ama-W-2, azikho izinkinga—inqubo yokufaka isicelo elula neqondile nje.

- Izinketho Zokuncintisana: Izinkokhelo ezinenzalo kuphela kanye nokuxhaswa ngezimali kwe-condo okunganikezwa isiqinisekiso kuvula amathuba engeziwe ezinjongo zakho zezezimali.

Qala Isicelo Sakho Namuhla

Uhlelo lwe-AAA Lendings' Bank Statement Programme lwakhelwe ukunika amandla ababoleki abadinga izixazululo zezimali eziguquguqukayo nezifinyelelekayo. Kungakhathaliseki ukuthi uyazisebenza, usonkontileka, noma ufuna ukutshala izakhiwo ezihlukile, uhlelo lwethu lunezici ozidingayo ukuze uphumelele.

Xhumana nathi manje ukuze ufunde kabanzi mayelana nokuthi singakusiza kanjani ufinyelele izinjongo zakho zobunikazi bendlu noma zokutshala ngokuzethemba!