Iholeyili - iAAA yokuBoleka imali Akukho n-QM ye-DSCR (Umlinganiselo weNkonzo yeTyala) Inkqubo – AAA Umbolekisi obolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

I-AAA LENDINGS iyazingca ngokubandakanyeka kwethu kuluntu kunye noxanduva loluntu. Sikholelwa ukuba ukuba ngumbolekisi othembekileyo kuthetha ukubuyisela kuluntu esilusebenzelayo. Iqela lethu lithatha inxaxheba ngokukhutheleyo kumalinge esisa, ukuxhasa izizathu zasekuhlaleni, nokukhuthaza ulwazi lwezemali. Asikho nje kwishishini lokubonelela ngemali-mboleko; sityale imali ekwenzeni impembelelo eyakhayo kubomi babaxumi bethu nakuluntu abalubiza ngokuba likhaya.Imida yeMali-mboleko eQhelekileyo yowama-2022,AbaBolekisi beNdlu eNgena-Qm eshushu,I-Jumbo Loan, Kwi-AAA LENDINGS, siyaqonda ukuba ukukhetha umbolekisi we-mortgage sisigqibo esibalulekileyo. Yiyo loo nto sihamba umgama owongezelelweyo ukwenza amava akho ameme kangangoko. Sinikezela ngewebhusayithi esebenziseka lula enokukhangela ngokulula, siqinisekisa ukuba unokufikelela kulwazi oluyimfuneko ngaphandle komzamo. Uya kufumana izixhobo eziluncedo kunye nezixhobo ezinje ngezibalo zokubambisa kunye nezithuba zeblogi ezifundisayo, eziyilelwe ukukuxhobisa ngolwazi kwaye wenze uhambo lwakho lokubambisa lubandakanyeke kwaye lufundise.

– I-AAAA yokuBoleka iNon-QM ye-DSCR (i-Debt Service Coverage Ratio) iNkqubo – i-AAA yeNkcukacha yokuBoleka:

Ayinasihloko-6

Isishwankathelo

Eyona mveliso ilula kakhulu kwiindidi zeenkqubo ze-Non-QM.
Akukho Mvuzo/Akukho Msebenzi/Akukho mbuyekezo yeRhafu.
Ipropati yotyalo-mali KUPHELA.

Iinkcukacha

1) Ukuya kuthi ga kwimali-mboleko ye-$ 2M;
2) Ukuya kuthi ga kwi-80% LTV;
3) 660 okanye amanqaku aphezulu ekhredithi;
4) Inokuvalwa kumaqumrhu;
5) Akukho mida kwinani leepropati ezibonelelwe ngemali;
6) Ii-SFR, ii-2-4 Units, ii-Condos, ii-Townhomes, ii-Condotels, kunye ne-Non-Warrantable Condos ziyafumaneka.

Yintoni i-DSCR?

Ngaba uyayazi indlela yokufumana imali mboleko yendlu ngaphandle kolwazi lomsebenzi kunye nengeniso?
Ngaba awufanelekanga kwiimali mboleko zesiqhelo?
Ngaba uyazi ukuba yeyiphi inkqubo yemali-mboleko eyona mveliso ilula?
Ngaba uyafuna ukwazi ukuba ungawasebenzisa njani amaxwebhu ancitshisiweyo ukuze ufaneleke ukubolekwa imali?
Ngaba kunzima kakhulu kuwe ukuba ufumane imali mboleko yendlu kwishishini lakho?

Sinikezela ngenkqubo yemali-mboleko egqibeleleyo ukwanelisa ezi zinto zingundoqo zingentla, yinkqubo ye-DSCR, eyona mveliso idumileyo engeyiyo ye-QM kwimali-mboleko yendlu.

I-DSCR (i-Debt Service Coverage Ratio) yenzelwe abatyali-mali abanamava kwaye ifanele ababoleki ngokusekelwe kwi-cash-flows kuphela kwipropati yomxholo ukuhlalutya iqondo lomngcipheko wotyalo-mali. Namhlanje, sigxininise ekuqondeni inkcazo ye-DSCR kunye nokutyhila imfihlelo yenkqubo ye-DSCR ukusuka kumbono wotyalo-mali lwe-mortgage yezindlu. Okulandelayo, masingene kwinkqubo yeDSCR.

Ibalwa njani iDSCR?

Kwimali-mboleko yezindlu, i-DSCR ibhekisa kumlinganiselo wengeniso yenyanga yerenti yendlu yotyalo-mali kwiindleko zizonke zezindlu (ezifana nenqununu, inzala, irhafu yomhlaba, i-inshorensi kunye nentlawulo yolawulo (ukuba ezinye iindleko azenziwanga, ziya kubhalwa njenge-0)). Okukhona usezantsi umlinganiselo, kokukhona umngcipheko omkhulu wemali-mboleko. Inokubonakaliswa koku kulandelayo:

iinkcukacha

Sinikeza "Akukho mlinganiso we-DSCR" kubaxhasi bethu, oku kuthetha ukuba umlinganiselo unokuhla ukuya "ku-0" kwiimveliso zethu eziqhelekileyo zemboleko, kufuneka sithelekise umvuzo wethu kunye ne-PITIA yenyanga (Umgaqo / Inzala / Irhafu / I-Inshurensi / HOA) kunye namanye amatyala endlu ebolekiweyo ukuze senze isigqibo sokuba imali-mboleko inokufaneleka.

I-DSCR

Izibonelelo ze-DSCR

Akukho mlinganiso we-DSCR, imveliso yemali-mboleko engangqini ingeniso, ayinayo imfuneko yengeniso yomboleki, kuba le mveliso yemboleko ayibandakanyi ukubalwa kwe-DTI. Kwaye umlinganiselo omncinci we-DSCR unokuba ngaphantsi njenge-0. Nokuba irenti yendlu iphantsi, sisenokwenza! Olu lukhetho olulungileyo kumboleki onomvuzo ophantsi okanye amatyala amaninzi.

Ngaphandle koko, abemi bamazwe angaphandle bamkelekile kule nkqubo ngokunjalo, ngakumbi nge-visa ye-F1. Ukuba ungumphambukeli, kwaye awukwazi ukufumana imali mboleko yesiqhelo, qhagamshelana nathi kwaye ufumane imeko yemali-mboleko yakho.

Izikhokelo zethu zibhetyebhetye kwaye ukuba imali-mboleko yakho iyavakala, siya kukunceda uyivale ngokukhawuleza. Sinonxibelelwano olungenamagingxi-gingxi kunye neengeniso ezikhawulezayo zemboleko-mali ye-Non-QM, qhagamshelana nathi ukuba unazo naziphi na iimfuno.

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

Ukuzibophelela kwethu elubala kudlulela ngaphaya kwamanqanaba okuqala enkqubo yokuthenga izindlu. Siqinisekisa ukuba uyayiqonda ngokucacileyo imiqathango yakho yokubambisa, kuquka inzala, imirhumo, kunye neendleko zokuvala. Akukho zimangalisayo ngosuku lokuvala. Sizinikezele ekukuboneleleni ngengcaciso ecacileyo, engena-jargon, ukuze ukwazi ukuzulazula ngokuzithemba kwimiba yezemali ekuthengeni kwakho ikhaya okanye ukuhlaziya. – AAA Lendings No n-QM DSCR (Debt Service Coverage Ratio) Programme – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, njengale: eMzantsi Afrika, eItali, eMadrid, Sibambelela kuthumo olunyanisekileyo, olusebenzayo, olusebenzayo lokuphumelela kunye nefilosofi yoshishino ejolise ebantwini. Umgangatho ogqwesileyo, ixabiso elifanelekileyo kunye nokwaneliseka kwabathengi zihlala zilandelwa! Ukuba unomdla kwizinto zethu, zama nje ukunxibelelana nathi ngeenkcukacha ezithe kratya!

-AAA Ukuboleka

Inkampani inegama elihle kweli shishini, kwaye ekugqibeleni kwavela ukuba ukukhetha kubo lukhetho olulungileyo.
Iinkwenkwezi ezi-5

Ngu-Olivia ovela eArgentina - 2018.12.10 19:03

Ummeli wenkonzo yabathengi uchaze ngokweenkcukacha, isimo sengqondo senkonzo silungile kakhulu, impendulo ifike ngexesha kwaye ibanzi, unxibelelwano olonwabileyo! Sinethemba lokuba siza kuba nethuba lokusebenzisana.
Iinkwenkwezi ezi-5

NguFederico Michael Di Marco ovela eBulgaria - 2018.07.26 16:51