I-Wholesale Non-QM Salary Nohlelo Lwempahla Yomboleki Ozisebenzelayo – ABIO (Inketho Yemali Esekelwe Kumpahla) umbolekisi nomtshali-zimali |AAA UKUBOLEKWA

Imininingwane Yomkhiqizo

Uhlolojikelele

Sebenzisa impahla yomboleki ukuze ufaneleke, izimpahla zomboleki zidinga ukumboza okungenani amadiphozithi ezinyanga eziyisi-6 emali engenayo yanyanga zonke.

Imininingwane

1) Kufika ku-60% LTV;
2) Isamba semalimboleko esingafika ku-$2.5M;
3) 700 noma ngaphezulu amaphuzu esikweletu;
4) DTI ratio-- Front 38%/ Emuva 43%;
5) Akukho mkhawulo enanini lezakhiwo ezixhaswe ngemali.

Luyini lolu hlelo?

• Uyazi ukuthi ungasebenzisa kanjani impahla kuphela ukuze ufanelekele ukubolekwa imali yendlu?
• Ingabe uye wamiswa noma wanqatshelwa umbolekisi ngohlelo lwe-WVOE (Written Verification of Employment)?
• Ingabe awunayo impahla engaka lapho ufuna ukuthenga indlu yakho?
• Ingabe umqashi wakho ubengafuni ukukunikeza ifomu le-WVOE noma ukubambisana?

Uma uke wahlangabezana nalesi simo esingenhla, ungakhathazeki, woza kithi futhi sizokwethula uhlelo lwe-Non-QM yakho----ABIO(Inketho Yemali Esekelwe Kumpahla).Uhlelo lujwayelene nohlelo lwe-{WVOE}, ludizayinelwe ababolekayo abaholayo nababolekayo abazisebenzelayo.Izimalimboleko ezingezona ze-QM zinezinhlelo ezinhle kangako abahola amaholo nabanikazi bamabhizinisi bobabili abangazifaka izicelo.

Lusebenza kanjani lolu hlelo?

Njengoba nje igama lomkhiqizo, lolu hlelo lufanelekile ngempahla futhi.Bona ngezansi:

Uma Inketho Yokuthola Imali Esekelwe Kumpahla yalolu hlelo lwemalimboleko ikhethwa, umboleki uzodingeka kuphela ukuthi anikeze Imali Engenayo Esekelwe Kumpahla Esicelweni Semalimboleko (1003).Le mali engenayo izosetshenziselwa ukubala isilinganiso sesikweletu nesilinganiso semali engenayo okuxoxwe ngaso eSigabeni VIII sale mihlahlandlela.

Ubani ongafaka isicelo salolu hlelo?

Njengoba kushiwo ngenhla, noma ngabe ungumboleki ozisebenzelayo, ungasifaka isicelo salolu hlelo.Uma umeboleki weholo, awekho amaphepha akhethekile adingekayo lapho ufaka isicelo semali mboleko yendlu entsha ye-Non-QM kumabolekisi.Uma umboleki ozisebenzelayo noma umboleki we-1099, ungase udinge incwadi ye-CPA elula.

Lusebenza kanjani lolu hlelo?

Njengoba nje igama lomkhiqizo, lolu hlelo lufanelekile ngempahla futhi.Ngokungafani nezinye izinhlelo, thina obolekayo akudingeki silungiselele amadokhumenti akhethekile avela kumboleki.Vele ulungiselele izitatimende zasebhange ezijwayelekile lapho ufaka isicelo semali mboleko yendlu yakho, Bona ngezansi ukuze uthole imininingwane yakho:

Imali Engenayo Eshiwo Isho ukuthi umboleki usho imali engenayo enengqondo esicelweni semalimboleko.Umbolekisi uzoqinisekisa ukuthi imali engenayo yanyanga zonke yomboleki ingasekelwa izimpahla “Zoketshezi” ekuvaleni kusengaphambili.

Okwedlule: I-Non-QM Non-DTI ratio Programme – Ukuqedwa Kwempahla(Impahla Kuphela)

Olandelayo: Inketho ye-Non-QM Efanelekayo Kalula kuphela - i-ATR-In-Full