Iziko leMveliso

Isishwankathelo

Ezizimeleyo kunye nePiggyback.

Inkqubo ye-HELOC yi-Home Equity Line yeTyala.
Isalathiso + Umda. Iminyaka engama-30 yekota, i-10 yeminyaka ye-I/O yeXesha lokutsalwa ilandelwa yi-20 yeminyaka yokuhlawula amatyala.

* Isalathiso: Ireyithi yokubolekwa kwemali eyiNkulumbuso idada kwimarike.
Umda: Ngokuxhomekeke kwiimeko zemboleko, uMjikelo oMfutshane. 1%, Zinzile.
Ubungakanani bobomi bonke: 18%.
Umgangatho wobomi bonke: 2.5%.

Iimbalasane zeNkqubo

1) Akukho Isohlwayo seNtlawulo;
2) Akukho Mrhumo woNyaka;
3) Iprayimari kunye nekhaya lesibini lifanelekile;
4) Iyunithi e-1 & Ukuya kuma-90% HCLTV;
5) Ubukhulu. Imali-mboleko ye-$ 350,000;
6) Umz. FICO 680.

Isikhokelo ngokubanzi

(1) Qaphela ireyithi + 2% P&I ngaphezulu kweminyaka engama-30 yokuhlawula amortization njengereyithi yokufaneleka.

(2) Ii-asethi/Iimali emaziValwe/ooGcino:
★Piggybacks: landela iimfuno zokuqala zonxibelelwano.
★Zimele: akukho siqinisekiso se-asethi esifunekayo ukuba umboleki ufumana imali ezinkozo (okanye nikezela ngengxelo ye-asethi ye-asethi yenyanga enye ubuncinane ebonisa imali eyaneleyo yokuvala).

(3) UVandlakanyo/Uqingqo-maxabiso lwePropati:
★Piggybacks: landela izikhokelo zeFNMA/FHLMC.
①AVM kunye nobuncinci bemeko yepropathi ingxelo (kubandakanywa neefoto) ezenziwe kwiintsuku ezili-120 zomhla wenqaku.
②Uvandlakanyo (inokuba yidesktophu, uhlolo lwangaphandle kunye/okanye uhlolo lwangaphakathi) olugqitywe ngumxabisi onelayisenisi/oqinisekisiweyo ngurhulumente owenziwe phakathi konyaka omnye womhla wenqaku.
★Zodwa:
1) I-AVM kunye nengxelo yemeko yepropathi encinci yangaphandle (kubandakanywa neefoto).
2) Uvandlakanyo (lunokuba yidesktop, uhlolo lwangaphandle kunye/okanye uhlolo lwangaphakathi) olugqitywe ngumxabisi onelayisenisi/oqinisekisiweyo ngurhulumente owenziwe phakathi konyaka omnye womhla wenqaku.
★Kwimida yetyala> $250,000, i-FNMA 1004 epheleleyo okanye i-FHLMC 70 enohlolo lwangaphakathi nangaphandle oluqulethe iifoto ezinemibala iyafuneka.

(4) Isihloko asinakubanjwa egameni letrasti.

(5) Ii-POA zivumelekile kuzo zonke iintlobo zentengiselwano kodwa kufuneka zihlawule i-2nd lien transaction ukuba isetyenziswe.

(6) Imali-mboleko kufuneka ibe kwindawo yesibini.

(7) Akukho Mrhumo woNyaka.

(8) Ukuqeshisa akufanelekanga.

(9) Intlawulo iya kuhlawulwa ngomhla we-15 kwinyanga nganye.

(10) 5% umrhumo ofike emva kwexesha uya kuvavanywa ngomhla omiselweyo wentlawulo + iintsuku ezili-15 (ngaphandle kokuba kukho imfuneko engqongqo yelizwe).

(11) Ubomi bonke uMax. Ireyithi: 18% okanye ubuninzi belizwe kunye neLifetime Rate Floor 2.5%.

(12) Akukho Isohlwayo seNtlawulo.