U.S.

Isikhungo Somkhiqizo

Imininingwane Yomkhiqizo

Uhlolojikelele

Ababoleka iholo kuphela, abangakwazi ukuhamba nemali mboleko ye-ejensi, futhi abafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.

Imininingwane

1) Isamba semalimboleko esingafika ku-$2.5M;
2) Ama-SFR, 2-4 Units, Condos, Townhomes, kanye nama-Non-Warrantable Condos.
3) Ubukhulu be-LTV 75%;
4) 620 noma ngaphezulu amaphuzu esikweletu;
5) Ayikho i-MI(I-Mortgage Insurance);
6) DTI ratio-- Front 38% / Emuva 43%.

WVOE (2)
WVOE (1)

Luyini uhlelo?

Wake wahlangana nalolu hlobo lwecala?
Ingabe isimo somboleki sibuyekezwe ama-paystubs kaningi ???
Umbolekisi ubale imali yakho engenayo wakutshela ukuthi awufaneleki ukuthola imali yendlu ???
Ingabe unzima ukuthola amakhophi akho e-W2s noma ama-paystubs???

Thina I-AAA Lendings ikunikeza uhlelo oluphelele lwe-Non-QM-- WVOE(Ukuqinisekiswa Okubhaliwe Kokuqashwa).Uma ababoleki abaholayo bethola iholo elingashintshi noma iholo elivela kumqashi njengembuyiselo yesevisi abayihlinzekiwe futhi bengenabo ubunikazi noma inzalo yobunikazi engaphansi kuka-25% ebhizinisini.

Ababolekayo abaholayo bathola iholo elingashintshi noma iholo elivela kumqashi njengembuyiselo yesevisi abayihlinzekiwe futhi abanabo ubunikazi noma inzalo yobunikazi engaphansi kuka-25% ebhizinisini.Isinxephezelo singase sisekelwe kusisekelo sehora, iviki, biweekly, nyanga zonke, noma isigamu senyanga.Uma ngehora, inani lamahora ahleliwe kufanele libhekwe.Imali engenayo eqinisekisiwe kufanele iguqulwe ibe inani ledola lanyanga zonke ukuze lisetshenziswe esicelweni esisemthethweni (i-FNMA Form 1003).Ngokubona kombhali wangaphansi, imibhalo eyengeziwe yemali engenayo ingacelwa

Yiziphi izinzuzo?

Kulolu hlelo, umebolekisi udinga kuphela ifomu le-WVOE ukuze abale imali engenayo efanelekayo, awekho amanye amadokhumenti emali engenayo adingekayo.Lokhu kufanele kube iphuzu elibalulekile elikhanga kakhulu lalolu hlelo.Azikho izimali mboleko ze-ejensi ezingenza uhlelo olunjalo.Ngaphandle kwalokho, ngokuhlukile kwezinye izinhlelo, lolu hlelo aludingi amafa amaningi omfakisicelo.Ngokuvamile, lolu wuhlelo oluhle lwababoleki abaholayo abangakwazi ukwenza imali mboleko ye-ejensi.

Indlela yokubala?

- Sebenzisa iholo eliyisisekelo (isilinganiso senyanga, kabili ngeviki, noma sangehora njengoba sisekelwa i-YTD) esivela ku-WVOE.
Izibonelo:
◦ Njalo ngenyanga: Inani lanyanga zonke eliphindwe ngo-2 lilingana nemali engenayo yanyanga zonke.
◦ Mabili ngamaviki: Inani lamasonto onke liphindwe ngo-26 lihlukaniswa ngo-12 lilingana nemali engenayo yanyanga zonke.
◦ Uthisha okhokhelwe izinyanga eziyi-9: Imali yanyanga zonke iphindwe ngezinyanga eziyi-9 ihlukaniswa ngezinyanga eziyi-12
ilingana nemali engenayo yanyanga zonke.

Khumbuza umqashi ukuthi agcwalise ifomu le-WVOE, bese umbolekisi ezoqhubeka nokuboleka imali ngokushesha.

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