11/15/2023

Isingeniso

Isitatimende sase bhangeUhlelo, luklanyelwe ngokukhethekile abafakizicelo abangakwazi ukunikeza ubufakazi bendabuko bemali engenayo, ngokuyinhloko luqondise abazimele, abantu abazisebenzayo, nosomabhizinisi abasha.

Inqubo evamile yokufaka isicelo semalimboleko ngokuvamile idinga ukuthunyelwa kwefomu i-W-2, idokhumenti enikezwa umqashi enemininingwane yemali engenayo yomuntu ngamunye nokubanjwa kwentela onyakeni wentela odlule.Kodwa-ke, kuma-freelancers noma abantu abazisebenzayo, ubufakazi obunjalo bemali engenayo bungase bungatholakali, okwenza lezi zimali mboleko zibe inketho ekhangayo.Lesi sihloko sizodingida ukubaluleka kwesitatimende sasebhange, ukuthi sihlobana kanjani namanye amagama abalulekile njengemigqa yohwebo, nokuthi sibathinta kanjani abathengi bezindlu abaqala ngqa.

Ukuqonda Izitatimende Zebhange

A Isitatimende sase bhangeirekhodi elinemininingwane enikelwe yibhange lakho, elichaza konke okwenziwayo ku-akhawunti yakho esikhathini esithile.Kuhlanganisa zonke izimali ezifakiwe, ukuhoxiswa kwemali, izinkokhelo, nokunye okwenziwe.Ababolekisi bavamise ukudinga izitatimende zasebhange uma ufaka isicelo semalimboleko njengoba zibanikeza isifinyezo sempilo yakho yezezimali.

Kubathengi bezindlu abaqala ngqa, ukuqonda nokuphatha izitatimende zakho zasebhange kubalulekile.Ingeminye yemibhalo eyinhloko ababolekisi abayisebenzisayo ukuhlola ikhono lakho lokubuyisela imali mboleko.Bazobheka iholo lakho, kodwa futhi babheke izindleko zakho, ukuze babone ukuthi ungakwazi yini ukukhokhela inkokhelo yenyanga.

Abathengi Bekhaya Okokuqala - Ukuzulazula Inqubo Yemalimboleko

Igama elithi “umthengi wekhaya oqala ngqá” ngokuvamile libhekisela kumuntu noma umndeni othenga indawo okokuqala ngqa noma ongakaze ube nomnikazi wanoma iyiphi indawo kule minyaka emithathu edlule.Ukunquma ukuthi ungumthengi wokuqala wekhaya kuncike kakhulu emlandweni wakho wobunikazi bendawo.Nazi ezinye izindlela ongazisebenzisa ukuhlola isimo sakho:

- Awukaze ube nesakhiwo: Uma ungakaze uthenge indawo ngaphambilini, uthathwa njengomthengi wokuqala wendlu.
- Awuzange ube umnikazi wendawo phakathi neminyaka emithathu edlule: Ngisho noma ubukade ungumnikazi wendawo ngaphambili, ungase uthathwe njengomthengi wokuqala wendlu uma sekudlule iminyaka engaphezu kwemithathu wathengisa leyo ndawo.
- Ngaphambilini wawunendawo nowakwakho kuphela: Uma wawushadile futhi unomuzi noshade naye, kodwa manje awushadile futhi awunawo umnikazi wendawo uwedwa, ungase uthathwe njengomthengi wendlu wokuqala.
- Ungumnikazi wekhaya owaxoshwa noma umzali oyedwa: Uma unomuzi owodwa kuphela nowakwakho futhi ngenxa yoshintsho lwempilo, manje usungumzali oyedwa noma umenzi wekhaya oshiywe ngaphandle kwetayitela lendawo, ungase uthathwe njengekhaya lokuqala. umthengi.

Kubathengi bezindlu abaqala ngqa, ukuqonda isitatimende sakho sasebhange nemigqa yokuhweba kubaluleke kakhulu.Ingakusiza ukuthi uhlole impilo yakho yezezimali futhi uqonde ukuthi yini ababolekisi abayifunayo lapho ufaka isicelo semali mboleko.

Enye yezinselelo ezibaluleke kakhulu abathengi bokuqala ababhekana nazo ukungabi nawo umlando wesikweletu owanele noma imigqa yohwebo eyanele.Uma lokhu kunjalo, yakhoIsitatimende sase bhangeiba bucayi nakakhulu.Ingabonisa ababolekisi ukuthi unesibopho sezimali, ngisho noma umlando wakho wesikweletu unomkhawulo.

Izitatimende Zebhange Nemigqa Yokuhweba

Umugqa wokuhweba ungenye into ebalulekile ababolekisi abayicabangelayo lapho ufaka isicelo semalimboleko.Irekhodi lomlando wesikweletu somboleki, okuhlanganisa uhlobo lwekhredithi, inani lesikweletu, nomlando wokukhokha.I-akhawunti ngayinye yekhredithi onayo ingumugqa wohwebo ohlukile embikweni wakho wesikweletu.
EyakhoIsitatimende sase bhangefuthi imigqa yakho yokuhweba ihlobene eduze.Imisebenzi erekhodwe esitatimendeni sakho sasebhange ingaba nomthelela emigqeni yakho yezohwebo.Ngokwesibonelo, uma isitatimende sakho sasebhange sibonisa izinkokhelo ezivamile, ngesikhathi ekhadini lesikweletu noma imalimboleko, singaba nomthelela omuhle emugqeni wokuhweba ohlotshaniswa naleyo akhawunti.

Isiphetho

Sengiphetha, aIsitatimende sase bhangeiyithuluzi elinamandla lokuqonda impilo yakho yezezimali kanye nokuzulazula enqubweni yemalimboleko, ikakhulukazi kubathengi bezindlu abaqala ngqa.Ngokuqonda ukuthi isitatimende sakho sasebhange kanye nemigqa yezohwebo ikuthinta kanjani ukufaneleka kwakho kokubolekwa imali, ungathatha izinyathelo zokuthuthukisa impilo yakho yezezimali futhi wandise namathuba akho okuthola imali ebolekiwe.

Khumbula, isitatimende sakho sasebhange singaphezu nje kwerekhodi lemisebenzi yakho.Kuyinkomba yemikhuba yakho yezezimali.Ngokuyiqonda nokuyiphatha ngendlela efanele, ungavula indlela eya esicelweni semalimboleko esiyimpumelelo futhi, ekugcineni, ubunikazi bendlu.

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 - Okuthile Odinga Ukukwazi Ngaso

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.