11/15/2023

Isingeniso

A Isitatimende sase bhangeimalimboleko iwuhlobo lwemali ebolekiwe evumela ababoleki ukuthi bafaneleke ngokusekelwe ezitatimendeni zasebhange esikhundleni sezindlela zokuqinisekisa imali engenayo evamile.Lolu hlobo lwemalimboleko lwenzelwe ikakhulukazi ababoleki abazisebenzelayo, abanikazi bamabhizinisi amancane, kanye nosonkontileka abazimele abanemifudlana yemali engenayo engajwayelekile.

Ohlelweni lwesicelo se-mortgage yendabuko, ngokuvamile kudingeka ukuthi unikeze izitatimende ze-W-2 zamaholo, izimbuyiselo zentela yeholo, futhi ngezinye izikhathi ukhokhe ama-stubs ukuze uqinisekise iholo lakho.Nokho, kubantu abangaqashiwe ngokwesiko, lawa madokhumenti angase angabonisi ngokugcwele umthamo wabo wezezimali.

Nakhu lapho aIsitatimende sase bhangeimalimboleko iyangena. Ukuze ufanelekele lolu hlobo lwemali mboleko, esikhundleni sembuyiselo yentela noma ama-W-2, uzohlinzeka ngezinyanga eziyi-12 kuya kwezingu-24 zezitatimende zasebhange.Umbolekisi ube esebala iholo lakho ngokusekelwe emalini efakwe kuma-akhawunti akho ngaleso sikhathi.

Ukuqonda ukubaluleka kwesitatimende sasebhange, ake sihlole kabanzi imininingwane yaso, siphinde sithinte amagama abalulekile ahlobene njengokuthi 'izimali zesipho', 'nenhlawulo yokukhokha kusengaphambili.'

Izimali Zezipho Ezitatimendeni Zebhange

Izimali zezipho zibhekisela emalini enikezwa ilungu lomndeni noma umngane oseduze esetshenziselwa ukusiza ekuthengeni ikhaya.Ngokuvamile, lezi zimali zisetshenziselwa ukukhokha kancane noma izindleko zokuvala ze-mortgage.Imithombo evamile yezimali zezipho ngabazali, ogogo nomkhulu, noma amanye amalungu omndeni aseduze.Kodwa-ke, kubalulekile ukuqaphela ukuthi lezi zimali kufanele zibe isipho ngempela hhayi imali ebolekiwe okufanele ikhokhelwe, ngaphandle kwalokho kuthinta isilinganiso sesikweletu semali engenayo yomboleki.

Mayelana nobudlelwano phakathi kwezimali zesipho kanyeIsitatimende sase bhangeimali mboleko, lezi ezimbili zingasetshenziswa ndawonye.Lapho ufaka isicelo semali mboleko yesitatimende sasebhange, inkampani ebolekisayo izohlola ikhono lomboleki lokukhokha ngokusekelwe ezitatimendeni zasebhange.Uma izimali zezipho zisetshenziswa njengengxenye yenkokhelo ephansi, kuzodingeka zivele ezitatimendeni zasebhange futhi zibhalwe kahle.

Kulabo abazisebenzayo noma abanemali engenayo engeyona eyendabuko, imali mboleko yezitatimende zasebhange ehlanganiswe nezimali zezipho ingaba yindlela ewusizo yokuthola imali yokuthenga indlu.Kodwa-ke, ukubeka izinto obala kanye nemibhalo efanele kubalulekile ukuze kuqinisekiswe ukuthi zonke izici zezimali ziyamukelwa futhi zigunyazwe isikhungo esibolekisayo.

Isijeziso Sokukhokha Ngaphambili
Inhlawulo yokukhokha kusengaphambili isigatshana esivumelwaneni se-mortgage esithi umboleki uzokhokhiswa imali uma ekhokha imali yendlu ngaphambi kokuphela kwesikhathi sayo.Isizathu salokhu ukuthi ababolekisi balindele ukuthi kukhokhwe inani elithile lenzalo esikhathini sokubolekwa kwemali, futhi uma ukhokha imalimboleko kusenesikhathi, baphuthelwa enye yaleyo nzalo.Inhlawulo yokukhokha kusengaphambili isiza ukuvala le nzalo elahlekile.

Kodwa-ke, qaphela ukuthi ngokomthetho wenhlangano yase-US, ababolekisi bavinjelwe ekubekeni inhlawulo yokukhokha kusengaphambili ngaphezu kweminyaka emithathu yokuqala yesikhathi semalimboleko.EyethuIsitatimende sase bhangeUhlelo lweNhlawulo Yokukhokha Ngaphambili luwu-5% wemali esele esele yemali mboleko.Kodwa I-MD Investment Ingenaso Isijeziso Sokukhokha Ngaphambili kuphela.

Isiphetho

Sengiphetha, iIsitatimende sase bhangeimali ebolekiwe, izimali zezipho, nezinhlawulo zokukhokha kusengaphambili zingase zihlangane.Ukuqonda ama-nuances alezi zici zezezimali kuyisihluthulelo sokuphatha impilo yakho yezezimali kanye nokuthola imvume ephumelelayo yemali mboleko.Kungakhathaliseki ukuthi nguwe ohlinzeka ngezimali zesipho noma ozitholile, noma uhlela ukukhokha imali oyibolekile ngaphambi kwesikhathi, ukugcina isitatimende sasebhange esiphelele nokuqonda imigomo ethile yemali mboleko yakho kungonga imali futhi kuvikele ikusasa lakho lezezimali.

Mayelana ne-AAA Lendings

Isungulwe ngo-2007, i-AAA Lendings isiphenduke umbolekisi ohamba phambili oneminyaka engaphezu kwe-15 yokusebenza kahle.Isisekelo sethu sinikeza isevisi engenakuqhathaniswa nokwethembeka, okuqinisekisa ukwaneliseka okukhulu kwamaklayenti ethu.

Isebenza ngokukhethekile ebangeni elibanzi lemikhiqizo ye-Non-QM—kuhlanganiseAyikho Idokhumenti Ayikho Ikhredithi, I-P&L Ezilungiselele ngokwakho, WVOE, I-DSCR, Izitatimende Zebhange, Jumbo, HELOC, Vala Ukuphela Kwesibiliizinhlelo—sihola emakethe yemalimboleko ye-'Non-QM'.Siyabuqonda ubunzima bokuthola imali ebolekiwe futhi sine-'Loan Arsenal' ehlukahlukene ukuze sihlangabezane nalezi zinselele.Ukungena kwethu ngaphambi kwesikhathi emakethe ye-Non-QM kusinikeze ubuchwepheshe obuyingqayizivele.Imizamo yethu yokuphayona isho ukuthi siyaziqonda izidingo zakho ezihlukene zezezimali.Nge-AAA Lendings, ukufinyelela imigomo yakho yezezimali kulula futhi kufinyeleleka kakhudlwana.

Sisize imindeni ecishe ibe ngu-50,000 ekufezeni amaphupho ayo ezezimali, ngemali ebolekiwe idlule amabhiliyoni angama-20.Ukuba khona kwethu okubalulekile ezindaweni ezibalulekile njenge-AZ, CA, DC, FL, NV, kanye ne-TX kusivumela ukuthi sinikeze abantu abaningi.

Ngama-ejenti azinikele angaphezu kwe-100 kanye namaqembu abhala phansi kanye nokuhlaziya angaphakathi, siqinisekisa inqubo yemalimboleko elula nengenaso ingcindezi.

Ividiyo:Isitatimende Sebhange - I-Deeper Dive

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.