Uhlolojikelele
Ababolekayo abazisebenzayo kuphela, abangakwazi ukuhamba nemali mboleko ye-ejensi, futhi abafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.
Imininingwane
1) Isamba semalimboleko esingafika ku-$2.5M;
2) Kufika ku-75% LTV;
3) 620 noma ngaphezulu amaphuzu esikweletu;
4) Izizwe zakwamanye amazwe ziyatholakala **
5) Ayikho i-MI(I-Mortgage Insurance);
6) DTI ratio-- Front 38%/ Emuva 43%;
7) I-P&L elungiselelwe umboleki yamukelwe **
Luyini lolu hlelo?Ubani ongafaka isicelo salolu hlelo?
• Ingabe ungumuntu obolekayo ozisebenzelayo?
• Ingabe umbolekisi ubezidinga izitatimende zasebhange zebhizinisi lakho ukuze uthole ukufaneleka kokubolekwa?Noma ingabe ababolekisi bakho bezindlu ezibolekiwe babekudinga ukuthi usayine amafomu entela futhi udinga imibhalo?
• Wake wamiswa noma wenqatshwa ababolekisi be-ejensi?Ingabe ababolekisi bake bathi "Ngokwesiqondiso sethu"
• Uyazi ukuthi ungakufanelekela kanjani ukubolekwa imali yendlu ngaphandle kwamaphepha emali engenayo?Noma izintela/izitatimende zasebhange zebhizinisi, njll.
Thina i-AAA Lendings manje sinikeza uhlelo olufanele lwemalimboleko ye-Non-QM olusetshenziswa ezimeni ezingenhla, oluqanjwe nge-P&L (Inzuzo Nokulahlekelwa).Lolu hlelo luklanyelwe ababoleki abazisebenzelayo futhi abangazuza kwezinye izindlela zokufaneleka kokubolekwa imali.Lokho kuyinzuzo engcono kakhulu kwabaziqashayo.I-CPA/CTEC/EA eqediwe futhi yasayinwa i-P&L ingase isetshenziswe njengenye indlela yokubuyisela intela ukuze kubhalwe phansi imali engenayo yomboleki ozisebenzelayo.Kwesinye isikhathi, size samukele i-P&L elungiselelwe umboleki, nayo eyinzuzo enhle kwabanye ababoleki.
Kungani lolu hlelo luklama?
Kubaboleki abazisebenzayo, uhlelo lwesitatimende sasebhange sezinyanga eziyi-12/24 luyinketho engcono, njengoba lolu hlelo aludingi ukubuyiselwa kwentela kanye nezitatimende zasebhange zebhizinisi.Kodwa-ke, lapho abanye abafake izicelo benebhizinisi, elinesimo sezimali esinzima ngezitatimende zasebhange eziningi, uhlelo lwe-P&L lungaba inketho engcono kakhulu kuwe.Njengoba uhlelo lwesitatimende sasebhange lwezinyanga eziyi-12/24 lunomkhawulo mayelana nesidingo sezitatimende zasebhange;mhlawumbe ubuningi.Izitatimende ezintathu zasebhange zenza ibhizinisi elilodwa, okungenzeka kube umkhawulo oholela ohlelweni lwe-P&L.
Yini oyidingayo ukuze ulungiselele ukugunyazwa ngokushesha?
Uma uthumela imali ebolekiwe kubabolekisi, bangase badinge i-YTD(Year-to-Date) P&L (noma kanye ne-P&L yangaphambilini ngezinye izikhathi), ilayisense yebhizinisi, incwadi ye-CPA, njll. Ngakho-ke noma iyiphi indlela ILUNGILE kulokho okunikezwayo ekuqaleni. ukuhambisa noma lapho imvume yemalimboleko.
Ngaphandle kwalokho, udinga ukuxhumana nethimba lethu esilithumele ukuze ubale imali engenayo kuqala