Izinzuzo ze-5/6 ARM loan for Flexible Mortgages at AAA Lendings

Ezweni eliyinkimbinkimbi lokubolekwa kwezindlu e-US, ukukhetha umkhiqizo ofanele wemalimboleko kubalulekile. I-AAA Lendings, umdlali ovelele oneminyaka engaphezu kwengu-15 yesipiliyoni kanye nerekhodi elimangalisayo lokukhipha imali engaphezu kuka-$20 wezigidigidi ukusiza imindeni engaphezu kuka-50,000, inikeza inketho ephoqelelayo - i-5/6Imalimboleko Yengalonge-Flexible Rate Mortgages.

Iyini ngempela imali mboleko ye-5/6 ARM? I-"5/6" ikhombisa ukuthi izinga lenzalo lihlala linjalo iminyaka emi-5 yokuqala, linikeza ukuzinza nokubikezela. Ngemuva kwalokho, izinga lilungiswa njalo ezinyangeni eziyisi-6, lihambisana nezimo zemakethe. Lesi sakhiwo sinikeza inhlanganisela eyingqayizivele yokuzinza kokuqala kanye nokuguquguquka kwesikhathi esizayo, okwenza kube ukukhetha okukhangayo kubaboleki abaningi.

Enye yezinzuzo ezibalulekile zokukhetha i-5/6 ARM Loan ene-AAA Lendings i-professional underwriting pro.LEZIs. Lapho abanye ababolekisi bengase benqabe ababolekayo, i-AAA Lendings ivame ukuba mnene. Lokhu kusho ukuthi abantu okungenzeka bangafinyeleli imibandela eqinile yemalimboleko yendabuko, njengalezo ezinezitatimende ze-P&L ezizilungiselele noma abathembele emalini yokuqasha nge-DSCR, basenethuba lokuthola imali mboleko.

Inqubo yokuvala ingesinye isici esivelele. Ngesikhathi sokuvala esimaphakathi phakathi kwamaviki angu-3, ​​Ukubolekwa kwe-AAA kuqinisekisa ukuzizwisa okusheshayo nokusebenzayo. Lokhu kuzuzisa kakhulu uma ujahe ukuthenga ikhaya noma uphiko lwezimali. Ababoleki abasebenze ne-AAA Lendings bancome iqembu ngekhono labo lokuvala imali mboleko ngokushesha okukhulu, kwesinye isikhathi phakathi kwamaviki ama-2.

Ngaphezu kwalokho, izilinganiso zenzalo ezincintisanayo ezinikezwa yi-AAA Lendings zenza i-5/6 ARM Loan ibe yinketho ekhangayo. Inketho yemalimboleko yesitatimende sasebhange, engadingi imbuyiselo yentela, yengeza nakakhulu ekululameni. Ukwengeza, i-QM Community Loan iza nekhredithi eyengeziwe engu-$4,500, ehlinzeka ngosekelo lwezezimali olwengeziwe.

Sengiphetha, uma ufuna imali mboleko enenani elivumelana nezimo, imalimboleko engu-5/6 ye-ARM evela ku-AAA Lendings ingase ilingane kahle. Inhlanganisela yayo yokubhala ngaphansi okuguquguqukayo, ukuvala ngokushesha, namazinga ancintisanayo, kanye nohlu lwezici ezihlukile, kuyenza ivelele emakethe yezindlu zase-US.