10/06/2023

Muva nje, ngibone okuthunyelwe esithangamini lapho umsebenzisi ebeke khona amehlo akhe esakhiweni esisesimweni esihle kakhulu sokutshalwa kwezimali kodwa akakwazanga ukuthola imali ebolekiwe evamile ngenxa yenani elikhulu lemali mboleko kanye namarekhodi esikweletu angalungile.

Kamuva, othile wamtusa ukuba abolekise ngemali eshisiwe, lokho okubizwa ngokuthi “ukulobola,” okwaphumela emalini enzalo enkulu!Izinga lenzalo elingaphezu kwamaphesenti ayishumi lehlise kakhulu izinga lakhe lokugcina lokubuya.

Eqinisweni, ababoleki abaningi bahlangabezana nalesi simo, ikakhulukazi labo abathintekayo ku-Flipping Houses noma i-BRRRR (Thenga, Ukubuyisela kabusha, Ukuqashisa, Ukubuyisela kabusha, Ukuphindaphinda), ngokuvamile bephendukela ku-Hard Money Loans ukuze uthole inzuzo enkulu.Kodwa-ke, sinikezela ngomkhiqizo wemalimboleko olula nosebenzayo ongadingi amakhasimende ukuthi athwale izilinganiso zenzalo ephezulu kanye nezingozi.

Namuhla, ake ngethule kini umkhiqizo wethu oyinkanyezi: Uhlelo 'lwe-'Akukho Doc No Credit', oludinga imibhalo encane futhi olunesivinini sokuvala ngokushesha!Ifaneleka ngendlela emangalisayo kulabo abafisa ukutshala imali, abanemali ethile esandleni, kodwa abanemali engenayo eyanele noma engazinzile noma amaphutha ombiko wezikweletu.Kuyimalimboleko yendawo yokutshala imali yangempela engadingi amasheke!

Isingeniso Sephrojekthi
I-'Ayikho Idokhumenti Ayikho Ikhredithi' Uhlelo yimalimboleko yeminyaka emi-4 engaguquki ye-Non-QM yokuthenga izakhiwo zokutshalwa kwezimali.
· Lolu hlelo aludingi mbiko wesikweletu, alukho ukubuyekezwa kwesitatimende sasebhange, futhi alukho ukuqinisekiswa kwemali engenayo;
· Ivumela ukubolekwa imali kuze kufike ku-$7.5 million, ngenani lemalimboleko-to-value elifinyelela ku-70%, okusho ukuthi kudingeka inkokhelo ephansi engu-30% kuphela;
· Ngokuqondene nezidingo zesikhwama, umboleki udinga kuphela ukuba nenkokhelo ephansi + imali yokucubungula + izinyanga ezingu-36 zezigodlo (P&I), avule i-akhawunti edingwa yibhange, futhi afake iminyaka emi-3 yezimali ezigodliwe ze-P&I ukuze akhokhe okulandelayo;
· I-PPP yonyaka owodwa (Isijeziso Sokukhokha Ngaphambili), ifaneleka kakhulu abokufika;
· Ngaphezu kwalokho, iphrojekthi ayidingi inani elincane lokuqasha, okusho ukuthi Isilinganiso Sokukhokhelwa Kwesevisi Yesikweletu (I-DSCR) akukhawulelwe.

Q&A
Ingabe le phrojekthi yemalimboleko idinga noma ibuphi ubufakazi bezimali?
——Cha, umboleki udinga nje ukwenza isitatimende sempahla, ebonisa izimpahla ezingaphansi kwegama labo efomini lesicelo.Izimali ezidingekayo zingadluliselwa ngqo enkampanini ye-Escrow kanye nebhange lediphozi elishiwo lapho kudingeka;asikho isidingo sokuhlinzeka ngezitatimende zasebhange noma ukuhlola izimo zeholo.

Kusho ukuthini izinyanga ezingama-36 ze-P&I reserves?
——P&I isho uthishanhloko kanye nentshisekelo.Izinkokhelo zababoleki zeminyaka emithathu yokuqala zizodonswa ngokuzenzakalelayo ku-akhawunti abayivulile, ngaphandle kwesidingo sezinkokhelo ezengeziwe.Uma umboleki ebuyisela imali ebolekiwe ngemva konyaka we-PPP, angakhipha inani elisele elidiphozithiwe.Uma kungekho ukukhokha kusengaphambili, khona-ke ngemva konyaka wesithathu (lapho inani elidiphozithi seliphelile), kudingeka baphinde bafake izimali ukuze baqale ukukhokha.

Ingakanani imali engiyidingayo ukuze ngifake isicelo cishe?
——Isibonelo, uma uthenga indlu yesigidi sedola futhi ukhokha inkokhelo ephansi engu-30%, uzodinga ukulungisa cishe u-45% wentengo yendlu emalini, lapho u-15% wayo udinga ukufakwa ebhange lokutshala izimali. ukuze ukhokhelwe eminyakeni emithathu yokuqala.

I-PPP yonyaka owodwa imele ini?
——I-PPP imele Isijeziso Sokukhokha Ngaphambili, okusho ukuthi umboleki akanakudayisa indlu, akhokhe noma akhokhe kabusha ungakapheli unyaka, ngaphandle kwalokho, uyoba nenhlawulo engu-1% yokukhokha ngaphambi kwesikhathi ngokusekelwe ebhalansi yemalimboleko esele.

Ingabe ikhona imikhawulo kubunikazi?
——Kokubili abantu nezinkampani bangafaka isicelo (kuhlanganise nezinkampani zakwamanye amazwe);ngokuqondene nobunikazi bomuntu ngamunye, izakhamizi zase-US, abanikazi bamakhadi aluhlaza, i-EAD, kanye nabangaphandle bonke bangafaka isicelo.

Ngingafaka kuziphi izifundazwe isicelo sale phrojekthi?
——Ungafaka isicelo eCalifornia, Washington, nase-Oregon.

Ubani ongakuthola kuzuzisa lokhu?

1. Labo abanesikweletu esibi, umlando wokuqothuka, noma amaphuzu aphansi esikweletu, abangakwazi ukuthola imali ebolekiwe evamile.Kulesi simo, bangafaka isicelo sohlelo lwe-'No Doc No Credit' futhi bakhokhelwe kabusha uma isikolo sabo sesithuthukile.

2. Labo abathenga amakhaya kanokusho ezigidi noma eziyishumi zamarandi kodwa abanayo inkokhelo eyanele.Kulezi zindlu, imfuneko yokukhokha kancane ivame ukuba phezulu (cishe ama-50%).Uma ufaka isicelo sohlelo lwe-'No Doc No Credit', udinga kuphela u-45% wemali ukuze ufake isicelo.

3. Abanikazi bamakhadi angewona aluhlaza, izakhamuzi, noma abantu bangaphandle abatshala izimali ezithengiswayo e-US Ngokuvamile kuthatha isikhathi ukudlulisa imali evela phesheya, futhi ngisho nangemva kokuba izimali zidluliselwe e-US, kudingeka balinde izinyanga ezimbalwa. .Uhlelo lwe-'No Doc No Credit' aluhloli nhlobo umthombo wezimpahla ezinkulu, futhi yonke imali yezipho nayo ayithinteki.

4. Abasohlelweni lokugqekeza umuzi.Uma ufaka isicelo semali mboleko yasebhange evamile, kuthatha izinsuku ezingu-30-45, ulahlekelwe ithuba lokubamba indlu enhle.Noma uma imali ebolekiwe evamile ihluleka futhi ungakwazi ukuvala ngesikhathi, ungase ulahlekelwe idiphozithi enkulu.Kulokhu, faka isicelo sohlelo lwe-'No Doc No Credit', olungavalwa emasontweni amathathu, futhi inqubo yemalimboleko nayo iqondile.

 

Uma unemibuzo noma udinga noma yiluphi usizo, zizwe ukhululekile ukuxhumana nathi!

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.