Amagama angukhiye: Ayikho i-paystub;Ayikho i-W2;Akukho Ukubuyiswa Kwentela;Cha 4506-T;Ayikho i-DU/LP
Izimalimboleko ezingezona ze-QMezinye izindlelaqualified mortgage (QM) loans.Ngokuqondile, aImalimboleko engeyona ye-QMingeyodwa engadingeki ukuhlangabezana nohulumeni wobumbano kanye nemihlahlandlela ye-Consumer Financial Protection Bureau's (CFPB) mayelana nezikweletu zezindlu eziqeqeshiwe.
1. Amadokhumenti Emali Engenayo:
● Um(Aba)boleki Womholo: WVOE
● Um(Aba)boleki ozisebenzelayo: P&L, Incwadi ye-CPA noma;Izitatimende zasebhange zezinyanga eziyisi-6 noma;12/24 Izitatimende zasebhange;njll.
2. Ifa:
● Inkokhelo Ephansi + Izindleko Zokuvala + 6 izinyanga ezigodliwe (Okungenani, kuphela impahla yesihloko.)
● Isipho singamukelwa
3. Umbiko Wokuhlola:
Okungenani umbiko owodwa ogcwele wokuhlaziya
4. I-FICO(Isikolo Sesikweletu):
Isilinganiso esingu-620
5. I-LTV(Imalimboleko-Kunani):
Ubukhulu.90%
Ikakhulukazi
Uhlelo lwe-DSCR (I-Debt Service Coverage Ratio):
1) Akukho msebenzi womboleki noma imali engenayo ezofakwa esicelweni;
2) Ayifanelekeli ukuba nomnikazi wendlu ehlala abantu noma ikhaya lesibili;
3) Asikho isilinganiso se-DTI, umboleki angakwazi kuphela ukufaneleka ngesilinganiso se-DSCR sesakhiwo sesifundo (Isilinganiso esingu-1.1);
4) Indlela yokubala isilinganiso se-DSCR: Iholo lokuqashisa ngesihloko/ Inkokhelo ye-PITIA yesihloko.
Isikhathi sokuthumela: Jan-21-2022