11/20/2023

Ukufeza iphupho lobunikazi bekhaya kuyingqopha-mlando ebalulekile empilweni, futhi i-AAA LENDINGS isilapha ukuze yenze lolo hambo lube lula ngezisombululo zethu ezintsha zezimali zekhaya.Ukuzibophezela kwethu ukuguqula inqubo yokubolekwa kwezindlu, sikunikeze uhla lwezinketho ezihambisana nezidingo zakho ezihlukile.

Izinketho Ezihlukahlukene Zokubolekwa Kwezindlu Zaso Sonke Isidingo Esiyingqayizivele

Kwa-AAA LENDINGS, siyakubona ukuhluka komuntu ngamunye nomndeni.Kungakho uxhaxha lwethu lwemikhiqizo ye-mortgage yakhelwe ukubhekelela izimo ezihlukene zezimali:

Imali Ebolekiwe Yesilinganiso Esimisiwe Esijwayelekile:Ilungele labo abafuna ukubikezelwa, le nketho inikeza inani lenzalo elizinzile phakathi nesikhathi semalimboleko, iqinisekisa ukuthula kwengqondo nokuhlela isabelomali okulula.Ilungele abathenga ekhaya okokuqala ngqa(FTHB) noma labo abaphinda banike imali.

I-Adjustable Rate Mortgage (ARM): Kulabo abazisa ukuguquguquka futhi abafuna ukusizakala ngamanani okungenzeka aphansi okuqala, imali yethu yemalimboleko enezinga elilungisekayo iyindlela enhle.Ngemva kwesikhathi esinqunyiwe sokuqala, izinga lakho lenzalo lizoshintsha ngezikhathi ezithile ngokusekelwe ezimeni zemakethe.Uma uhlela ukuthengisa noma ukulungisa kabusha ikhaya lakho phakathi neminyaka embalwa, lokhu kungase kube ukukhetha okuhle.

I-Jumbo Mortgage: Uma ufuna indawo enenani eliphezulu, i-jumbo mortgage yethu ingakusiza ukuthi uvikele uxhaso oludingayo.Idizayinelwe ababoleki abanemilando emihle kakhulu yezikweletu kanye nezigodlo ezinkulu, lezi zimali mboleko zikuvumela ukuthi uthenge noma ukhokhe kabusha ngamanani emali mboleko aphezulu ube usajabulela amanani okuncintisana nemibandela eguquguqukayo.

Ayikho Idokhumenti Ayikho Ikhredithi: Siyaqonda ukuthi izindlela zokuqinisekisa imali engenayo zingase zingafanelani nezimo zawo wonke umuntu.Kungakho singanikezi ukuqinisekiswa kwemali engenayo, akukho mali yokubolekwa kwezikweletu, sihlinzeka ngenqubo yokwenza isicelo elula yabantu abazisebenzayo noma labo abanemithombo yemali engenayo engeyona eyendabuko.Kulezi zimali mboleko, izimpahla zakho nesibambiso zidlala indima ebaluleke kakhulu ngesikhathi sokubhala ngaphansi, okwenza kube lula ukuvikela uxhaso.

HELOC/Ukuphela Kwesibili Okuvaliwe (CES)Izinhlelo:Ukulingana kwekhaya kungaba insiza ebalulekile yezidingo zezimali ezahlukahlukene njengokulungiswa kwekhaya, ukuhlanganiswa kwezikweletu, noma izikhwama zemfundo.Izinhlelo zethu ze-HELOC ne-CES zikuvumela ukuthi ufinyelele izimali kalula njengoba kudingeka noma uthole isamba sesamba.Kungakhathaliseki ukuthi udinga imali oyidingayo noma ukhetha isamba sesikhathi esisodwa, sinezinketho ezihambisana nezidingo zakho.

Izinhlelo zeDebt Service Coverage Ratio (DSCR).:Abatshalizimali bezindlu kanye nabantu abazisebenzayo bavame ukubhekana nezinselele eziyingqayizivele lapho befuna ukuxhaswa ngezimali.Izinhlelo zethu ze-DSCR zigxile ekungeneni kwemali yesakhiwo kunokuqinisekisa imali engenayo evamile, okuzenza zibe yisixazululo esihle sezindawo zokutshala izimali kanye nababolekayo abazisebenzelayo.

Ezinye izinhlelo ezingezona eze-QM:Sinikeza uchungechunge lwezinhlelo ezingezona ze-QM ukuze zihlinzekele ababolekayo abanezidingo ezithile.Lezi zinhlelo zihlanganisa ezinye izindlela zokuqinisekisa imali engenayo njengokuqinisekisa okubhaliwe kokuqashwa, izitatimende zenzuzo ezilungiselelwe wena nokulahlekelwa, izitatimende zasebhange, nezitatimende zenzuzo nokulahlekelwa ezilungiselelwe umgcini-mabhuku.Noma ngabe isimo sakho sezezimali sinjani, sinezinhlelo ezihambisana nezidingo zakho.

Kungani Khetha AAA LENDINGS?

Kwa-AAA LENDINGS, umgomo wethu uwukuba uzakwethu othembekile kuyo yonke inqubo yokuthenga ikhaya.Sizibophezele ekwakheni ubudlelwano besikhathi eside obusekelwe ekwethembeni, obala, kanye nenkonzo yamakhasimende enhle kakhulu.Nazi izizathu zokuthi kungani kufanele usikhethe:

Uchwepheshe:Ithimba lethu lochwepheshe bezezindlu ezibolekiwe banolwazi olubanzi lwemboni.Sihlala sinolwazi lwakamuva ngamathrendi nemithetho yakamuva ukuze sikunikeze ulwazi olunembile nesiqondiso.

Indlela Eqondene nawe:Siyaqonda ukuthi wonke umboleki uhlukile, futhi sizinika isikhathi sokulalela nokuqonda imigomo yakho nesimo sezezimali.Indlela yethu yomuntu siqu iqinisekisa ukuthi sikutholela isixazululo esingcono kakhulu sezezimali.

Inqubo Engenazihibe:Sikholelwa ukuthi ukufaka isicelo semali mboleko kufanele kube okuhlangenwe nakho okushelelayo nokungenaso ingcindezi.Inqubo yethu yokufaka isicelo eyenziwe lula, ukuxhumana okuphumelelayo, nokwesekwa okuzinikele kuqinisekisa uhambo olungenazihibe ukusuka ekutholeni ukufaneleka ukuya ekuvalweni.

Ukubonisa ngale:Sibeka eqhulwini obala ekusebenzelaneni kwethu namakhasimende.Sihlinzeka ngolwazi olucacile nolufushane ngamarates, imigomo, kanye nezimali ezikhokhwayo, okukuvumela ukuba wenze izinqumo ezinolwazi.

Isevisi Yekhasimende Enhle Kakhulu:Sizibophezele ekuletheni isevisi yamakhasimende esezingeni eliphezulu, esenza sihluke.Silapha ukuze siphendule imibuzo yakho, sibhekane nezinkathazo zakho, futhi sikuqondise kuso sonke isinyathelo ngokunakekela nangobuchwepheshe.

Uzakwethu Othenjwayo:Siyakwazisa ukwethenjwa kwakho futhi sizinikele ekunikezeni isiqondiso esithembekile nesithembekile.Sisebenza ngobuqotho, sihlale sikhumbula izintshisekelo zakho ezinhle.

Ukuvumelana nezimo:Noma ngabe ungumthengi wezindlu okokuqala ngqa, umtshali-zimali wezindlu ezithengiswayo, noma umuntu ozisebenzelayo, sinezinketho eziguquguqukayo zemali mboleko yezindlu ukuze sihlangabezane nezidingo zakho ezithile.Umgomo wethu uwukutholela isixazululo esifanele.

Joyina i-AAA LENDINGs

Ezweni lamathuba angenamkhawulo, vumela i-AAA LENDINGS ibe uzakwethu omethembayo enqubweni yokuthenga ikhaya.Sikholelwa ukuthi wonke umuntu ufanelwe ithuba lokuba nomuzi wakhe, futhi ngemikhiqizo yethu ehlukahlukene yemalimboleko yezindlu nokuzibophezela okungantengantengi, sizokusiza ufeze amaphupho akho.Xhumana nathi namuhla futhi uqale uhambo lwakho lokuthenga ikhaya nge-AAA LENDINGS.

Ividiyo:Kwa-AAA LENDINGS, Hlola Izixazululo Zezindlu Ezihlanganisiwe

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.