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Iziko leMveliso

Iinkcukacha zeMveliso

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.Imibuzo yoVavanyo lwe-Mortgage Broker,Umthengisi we-Mortgage eFlorida,Ababolekisi bezindlu zeBhayi, Siyaqonda ukuba ubuninimzi lutyalo-mali olubalulekileyo, kwaye ufuna ukuqiniseka ukuba wenza ukhetho olufanelekileyo. Yiyo loo nto sinikezela ngeenkonzo zokuvunywa kwangaphambili ezibamba umdla wakho. Inkqubo yethu yokuvunywa kwangaphambili ikhawuleza kwaye ithe ngqo, ikubonelela ngomfanekiso ocacileyo wesakhono sakho sokuboleka. Ngolu lwazi esandleni, unokuphonononga ngokuzithemba imarike yezindlu nomhlaba, usazi ukuba ungumthengi ozimiseleyo kwaye ofanelekileyo.
– AAA Ukuboleka Non-QM 12 okanye 24-yeNyanga Personal / IiNkcazo zeBhanki yoShishino Inkqubo – AAA IiNkcukacha zokuBoleka:

Ayinasihloko-5

Isishwankathelo

Umboleki ozisebenzelayo onetyala eligqwesileyo nomvuzo wakhe ochazwe kwimbuyekezo yerhafu awusayi kubenza bafanelekele ukufumana ikhaya elitofotofo abanako ukulihlawula. Ufaneleka nge-100% kwiiDipozithi zeAkhawunti yoBuqu kunye ne-50% kwiiDipozithi zeAkhawunti yeShishini (iinyanga ezili-12 ezilandelelanayo)

Iinkcukacha

1) Ukuya kuthi ga kwi-4M yemali-mboleko;
2) Ukuya kuthi ga kwi-90% Max LTV;
3) Ukuziqeshisa kunye nabaBoleki abayi-1099;
4) 660 okanye amanqaku aphezulu ekhredithi;
5) Akukho vimba ofunekayo kwi-75% okanye ngaphantsi kwe-LTV;
6) Akukho 4506T / Akukho K1's / Akukho P & L's;
I-7) Akukho MI (i-Inshurensi ye-Mortgage).

Kutheni sikhetha le nkqubo?

Nangona uninzi lwabantu baseMelika lungakwazi ukufumana amaxwebhu apheleleyo kwimali mboleko yendlu yesiqhelo, abaninzi abakangeni kwizikhokelo zikaFannie noFreddie xa kufikwa kwiimfuno zokuboleka. Ngethamsanqa, iimali-mboleko ezingezizo eze-QM kunye namaxwebhu engeniso yengxelo yebhanki sisisombululo esihle kwaba baboleki bangenamveli.

Ingakumbi, abantu abazisebenzelayo abarhola imivuzo banobunewunewu bokucima iindleko ezininzi zeshishini phantsi kweKhowudi yeRhafu ye-IRS. Ukucinywa kweendleko zoshishino kwingeniso yabo yesambuku kunceda abantu abazisebenzelayo abazisebenzelayo ukuba bahlawule kancinci kwirhafu yengeniso.

Abantu abaninzi abazisebenzelayo nabanoogcino-zincwadi abalumkileyo badla ngokuhlawula kancinane okanye bangayihlawuli irhafu ngenxa yokuxhamla kwiikhowudi zerhafu. Abaninzi banomvuzo ongemhle. Ngelishwa, ukucinywa okuninzi kuthetha ukuba abasebenzi abazisebenzelayo banomvuzo onzima ukuba bafanelekele ukubolekwa imali. Ababolekisi bemveli baya kusebenzisa ingeniso epheleleyo ehlengahlengisiweyo xa bebala umvuzo ofanelekileyo. Iindaba ezimnandi kubathengi bamakhaya abaziqeshileyo abanemali-mboleko engeyiyo eye-QM. Sine-Non-QM yokubambisa kubaboleki abazisebenzelayo ngaphandle kweembuyekezo zerhafu yengeniso ezifunekayo. Kweli nqaku, siza kuxoxa kwaye sigqume iimali mboleko zebhanki ezingezizo eze-QM kubaboleki abazisebenzelayo.

Le nkqubo yenzelwe bani?

Le nkqubo yenzelwe ababoleki abazisebenzelayo nabaza kuxhamla kwezinye iindlela zokufaneleka mboleko. Iziteyitimenti zebhanki zisenokusetyenziswa njengenye indlela kwiimbuyekezo zerhafu ukuze kubhalwe ingeniso yomboleki ozisebenzelayo. Ngaphandle koko, iingxelo zebhanki zobuqu kunye/okanye zoshishino zivumelekile zonke.

Ubuncinci omnye wababoleki kufuneka azisebenzele ubuncinci iminyaka emi-2 (25% okanye ubunini obungaphezulu) ukuze afanelekele le nkqubo. Le yimfuneko eqhelekileyo yokuqinisekisa ukuba umboleki ngumboleki ozisebenzelayo na. Ngamanye amaxesha, umboleki angaba nobunini beshishini, nangona kunjalo, sibala kuphela njengababoleki abaziqeshileyo xa lingaphezulu kwama-25%. Kwimali-mboleko ye-arhente, sihlala sibhekisa ku-K-1 okanye kwiShedyuli G; ngelixa kwi-Non-QM mboleko, sihlala sifuna ileta ye-CPA ukuze siqinisekise ubunini bokwenene.

Ngokuqhelekileyo, umbolekisi uya kubala umvuzo ofanelekileyo ngokuthatha ixabiso eliqhelekileyo lesiteyitimenti sebhanki kwiinyanga ezili-12 okanye ezingama-24, emva koko aphindaphinde inkcitho eqhelekileyo. Oko kufuneka kube yingeniso yomboleki efanelekileyo kule nkqubo.

Ngokubhekiselele kwindleko yeendleko, abatyali-mali abaninzi abangeyo-QM banokuba nomlinganiselo oqhelekileyo onjenge-50%. Sinale mfuneko ngokunjalo. Nangona kunjalo, ukuba i-CPA yakho inokubonelela ngeleta enezizathu ezifanelekileyo, sinokuthathela ingqalelo into yeendleko eziguquguqukayo. Ungagqithi kumlinganiselo omncinci ~

Ukuba unazo naziphi na iimfuno, qhagamshelana nathi kuqala, sinokunikela ngokubalwa kwengeniso yamahhala yangaphambili. Oko kufanele ukuba luncedo kakhulu kuni nonke ngakumbi amaGosa eMali-mboleko ye-Mortgage, ukunika inkonzo kubathengi bakho ngcono.

Imifanekiso yeenkcukacha zemveliso:

– AAA Ukuboleka Non-QM 12 okanye 24-yeNyanga Personal / IiNkcazo zeBhanki yoShishino Inkqubo – AAA Ukuboleka iinkcukacha imifanekiso

IsiKhokelo seMveliso esiNxulumeneyo:
Ukwenziwa kwezinto ezintsha yinxalenye yeDNA yethu. Sisoloko sifuna iindlela zokuphucula amava okuthenga ngendlu kubathengi bethu. Inkqubo yethu ye-intanethi ye-intanethi ye-intanethi, ulawulo olukhuselekileyo lwamaxwebhu, kunye neendlela zonxibelelwano lwedijithali zinika uhambo olungenamthungo, olungenamaphepha. Nge-AAA LENDINGS, ungalindela amava angoku, asebenzayo, kunye nokhuseleko lwemali-mboleko ehlala ihambelana nehlabathi elikhawulezayo lobuchwephesha. Uncedo lwakho kunye nokhuseleko zibaluleke kakhulu kuthi. – AAA Lendings Non-QM 12 okanye 24-yeNyanga Personal / Business Bank IiNkcazo Programme – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, ezifana: Kenya, Montpellier, Lisbon, Sineqela lokuthengisa elizinikeleyo nelinobundlongondlongo, kunye namasebe amaninzi, alungiselela abathengi bethu. Sijonge ubudlelwane beshishini bexesha elide, kwaye siqinisekisa ababoneleli bethu ukuba baya kuxhamla ngokupheleleyo kwixesha elifutshane kunye nexesha elide.
    • Abavelisi abazange bahloniphe kuphela ukhetho lwethu kunye neemfuno, kodwa basinike iingcebiso ezininzi ezilungileyo, ekugqibeleni, sayigqiba ngempumelelo imisebenzi yokuthenga.
    Iinkwenkwezi ezi-5Ngu-Alice ovela eHanover - 2018.12.28 15:18
    Ukusebenza kwemveliso ephezulu kunye nomgangatho omhle wemveliso, ukuhanjiswa ngokukhawuleza kunye nokugqitywa kokukhusela emva kokuthengiswa, ukhetho olufanelekileyo, ukhetho olungcono.
    Iinkwenkwezi ezi-5NguSteven ovela eKarachi - 2018.06.12 16:22

    EzinxulumeneyoIIMVELISO

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