12/05/2023

Isingeniso

Ukuqonda ama-nuances okuthenga ikhaya e-United States kungaba inqubo eyinkimbinkimbi, ikakhulukazi kubantu bangaphandle. Lo mhlahlandlela uhlose ukwenza lolu hambo lube lula, ugxile emathubeni ayingqayizivele kanye nezidingo zabathengi bamazwe angaphandle, ngokugcizelela ngokukhethekile “I-P&L Ezilungiselele ngokwakho” umkhiqizo ohlinzekwa yi-AAA Lendings.

Ukufaneleka Namathuba Ezakhamuzi Zangaphandle
Ingabe Abantu Bangaphandle Bangakwazi Ukuba Nempahla e-US?

• Yebo! Kunemikhawulo emincane yabantu abavela kwamanye amazwe abafuna ukutshala noma ukuthenga indawo e-United States.
• Umbono Oyiphutha Ovamile: Abaningi bakholelwa ukuthi izakhamuzi ezingezona ezase-US azikwazi ukufaka isicelo semali mboleko, okungelona iqiniso.

Amathuba e-Mortgage

• Imali Ebolekiwe Kazwelonke Yangaphandle: Itholakala kwizakhamizi ezingezona ezase-US noma izakhamuzi, okuhlanganisa nalezo ezikuma-visa e-B1/B2 noma ngaphandle kwama-visa okungena.
• Umnikelo we-AAA wokuboleka: “OkwethuI-P&L Ezilungiselele ngokwakho” umkhiqizo wenzelwe abantu bangaphandle.

Inqubo Yokuthenga Ikhaya
Ukulungiselela kanye Nesicelo
1. Amalungiselelo Okuqala:

• Nikeza Isitatimende se-P&L sonyaka wamanje kanye nonyaka ogcwele odlule.
• Thumela amakhophi epasipoti, I-94, kanye ne-visa evumelekile (ngaphandle kwezinhlobo ze-F-1 ne-F-2).

2. Ukuphathwa Kwempahla:

• Izimpahla zakwamanye amazwe ezisetshenziselwa izinkokhelo eziphansi kufanele zidluliselwe ku-akhawunti yesikhungo yase-US kusengaphambili.

3. Imibhalo Yesikweletu:

• Nikeza ngemisebenzi yekhadi lesikweletu, izitatimende zasebhange (izinyanga ezintathu ezedlule), noma amarekhodi ocingo.

Uhambo Lokuthenga

1.Ukuxhumana Nomboleki: Thola incwadi yokugunyaza kusengaphambili evela kubabolekisi.
2.Ukukhetha Indawo: Sebenza nomenzeli wezindlu ukuze uthole indlu efanele.
3.Ukwenza Isithembiso: Beka isithembiso endaweni ekhethiwe.
4. Isicelo Semalimboleko: Khetha isikhulu semali mboleko ye-AAA ukuze ufake isicelo semali mboleko yendlu.
5.Ilinde Ukugunyazwa: Lindela ukugunyazwa kwemali mboleko evela ku-AAA Lendings.

Izici Zezezimali
Inkokhelo Ephansi kanye Nezilinganiso Zezindlu

• Inkokhelo Ephansi Encane: Kudingeka okungenani u-30% wemali mboleko ye-“Self Prepared P&L”.
• Amanani Angcono: Inkokhelo ephansi enkulu ingavikela amanani avumayo.

Izindleko Zokubolekwa Nezimali Ezikhokhwayo

• Izimali ezibolekwayo ze-AAA: Imali yokucubungula kanye nemali yokubhala ngaphansi iyadingeka.
• Ukusebenza kahle: Ukucubungula kwethu kwangaphakathi kanye nokubhala phansi kugcina izindleko ziphansi.

Isikhathi Sokucubungula Imalimboleko

• Izimo Ezikhethekile: I-AAA Lendings ibuyekeza amadokhumenti ngokushesha, ivala imali mboleko ngokuvamile phakathi namaviki amathathu.

Mayelana ne-AAA Lendings

• Isungulwe ngo-2007, i-AAA Lendings inomlando ofakazelwe emakethe yokubolekwa kwezindlu.
• Ubungcweti: Ukunikeza uhla lwemikhiqizo okungeyona ye-QM ukuze kuhlangatshezwane nezidingo ezahlukahlukene.
• Isisekelo Seklayenti: Sisize imindeni ecishe ibe ngu-50,000 ngemali mboleko edlula amabhiliyoni angama-20.
• Izindawo: Yethula ezindaweni ezibalulekile njenge-AZ, CA, DC, FL, NV, ne-TX.
• Ithimba: Bangaphezu kuka-100 ama-ejenti anamathimba abhala ngaphansi nababhali abangaphakathi endlini aqinisekisa inqubo yokubolekwa kwemali ebushelelezi.

Isiphetho
Kubantu bakwamanye amazwe, iphupho lokuba nekhaya e-United States lifinyeleleka kalula. Ngamalungiselelo alungile kanye nezinsizakalo ezikhethekile zababolekisi njenge-AAA Lendings, ukuzulazula le nqubo kungaba okuhlangenwe nakho okuqondile nokuvuzayo.

Ividiyo:Ukuzulazula Ubunikazi Bekhaya e-US: Umhlahlandlela Wamazwe Angaphandle

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.