11/15/2023

Ingabe umuntu wangaphandle angaba nendlu yakhe encane?Ingabe izakhamuzi ezingezona ezase-US ngaphandle kwekhadi lesibonakaliso zingathenga izindlu e-United States?Uma lokho kuwukukhathazeka kwakho, akufanele neze uphuthelwe lo mhlahlandlela wokugcina!Kuzokusiza uqonde amalungiselelo nezinqubo ezidingekayo ukuze abantu bangaphandle bathenge izindlu eCalifornia.

Ingabe abantu bangaphandle bangakwazi ukuthenga izindlu e-US ngaphandle kokuhlonza i-US?

Yebo!Izizwe zakwamanye amazwe zibhekana cishe nemikhawulo lapho zitshala imali noma zithenga indawo e-United States.Kodwa-ke, abathengi abaningi baphesheya kwezilwandle bacabanga ngephutha ukuthi izakhamizi ezingezona ezaseMelika azikwazi ukufaka isicelo semali mboleko.Ngokuvamile, izakhamuzi ezingezona ezase-US noma izakhamuzi, labo abangena ngama-visa e-B1/B2, noma nalabo abangenawo ama-visa okungena avela ngaphandle kwase-US bangafaka isicelo semalimboleko yezwe langaphandle.Ngakho-ke, lapho amanani emali mboleko engaphakathi kwesabelomali sakho, abathengi bamazwe angaphandle kufanele bacabangele ukuthatha imali mboleko ukuze bathenge ikhaya.

Ukuze ngithenge indlu ngemalimboleko, ingabe ngidinga ukuba se-US?
Thina kwa-AAA Lendings singamukela amasignesha kumanxusa.

Yimalini inkokhelo ephansi yohlelo lwezwe langaphandle?Lithini inani lemali ebolekiwe?
Umkhiqizo wethu we-Self Prepared P&L kwa-AAA Lendings wamukela izicelo zemalimboleko ezivela kubantu bangaphandle, futhi ababoleki bangafaka isicelo ngenkokhelo encane engu-30%.Kunjalo, inkokhelo ephansi enkulu kanye nenani lemalimboleko elincane lingavikela intengo egculisayo.

Ngakho, yini aI-P&L Ezilungiselele ngokwakho?

I-Self Prepared Profit and Loss (P&L), eyaziwa nangokuthi “isitatimende semali engenayo,” isifinyezo semali engenayo nezindleko zomuntu ngesikhathi esithile.Kwa-AAA Lendings, sivumela amakhasimende ukuthi asebenzise i-Self Prepared P&L yawo esikhundleni samadokhumenti emali engenayo ukuze athole imali mboleko yendlu.

Imaphi amalungiselelo adingekayo kubantu bangaphandle noma i-Self Prepared P&L lapho ufaka isicelo semali mboleko yezindlu?
Ukuthatha wethuI-P&L Ezilungiselele ngokwakhoumkhiqizo njengesibonelo:
1.Amaklayenti adinga ukunikeza i-YTD + 2022 Isitatimende se-P&L sonyaka owodwa ogcwele esigcwaliswe yi-CPA noma umboleki.
2.Ikhophi yepasipoti, I-94, kanye ne-VISA evumelekile (izinhlobo ze-F-1 ne-F-2 azivunyelwe).
3.Ikhophi yepasipoti kanye ne-I-94W noma ubufakazi bokuvunyelwa kwe-ESTA obudingekayo kubaboleki.

Njengomuntu wangaphandle ongenazo izimpahla e-US, ngingasebenzisa izimpahla zami zaphesheya ukuze ngikhokhele izindleko zemali mboleko kanye nezindleko zokuyikhokha?
Izimpahla zakwamanye amazwe ezisetshenziselwa ukukhokha kancane, izindleko zokuvala, kanye/noma izimali ezigciniwe kufanele zidluliselwe ku-akhawunti yesikhungo sase-US ngaphambi koku-oda amadokhumenti emalimboleko.

Njengomuntu wangaphandle, ingabe kufanele nginikeze amarekhodi esikweletu noma amanye amadokhumenti esikweletu?
Yebo, amaklayenti adinga ukuhlinzeka ngamarekhodi okwenziwe ngamakhadi esikweletu, izitatimende ze-akhawunti yasebhange zezinyanga ezintathu ezedlule, noma ngisho namarekhodi ocingo.Izinkokhelo zesikhathi eside zikagesi, amanzi, ne-inthanethi nazo zingabonakala njengamarekhodi okwenziwa kwesikhathi eside.

Iyini inqubo yokuthi umuntu wangaphandle athenge indlu e-US?
1.Xhumana nombolekisi ukuze uthole incwadi yokugunyaza kusengaphambili
2.Khetha indlu efanele kanye ne-ejenti yezindlu
3.Yenza isithembiso endlini
4.Khetha isikhulu sakho semalimboleko se-AAA osithandayo ukuze ufake isicelo semali mboleko yendlu
5.Lindela ukugunyazwa kwemali mboleko ye-AAA

Njengomuntu wangaphandle, ngidinga malini ukuze ngikhokhele isikweletu?
Izinkokhelo zethu kwa-AAA Lendings zilula futhi zisobala, zidinga kuphela imali ethile yokucubungula kanye nemali yokubhala ngaphansi.Ngenxa yokucubungula kwethu kwangaphakathi kanye nokubhala ngaphansi, izindleko zethu ziphansi kakhulu kunabanye ababolekisi bezinkampani zangaphandle.

Uma ngingowangaphandle onezimo ezikhethekile, ingabe inqubo yemalimboleko izothatha isikhathi eside?
Lutho neze, thina kwa-AAA Lendings sizobuyekeza ngokushesha amadokhumenti owahambisile futhi ngokuvamile sivale imali mboleko phakathi nesilinganiso samasonto amathathu.

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:Ingabe Izwe Langaphandle Lingaba Nekhaya ECalifornia?The Ultimate Guide for Foreign Buyers Foreign

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.