IWholesele - iAAA yokuBoleka imali engeyiyo i-QM ye-12 okanye ye-24 yeNyanga yoBuqu / iNkqubo yeeNgxelo zeBhanki yoShishino – i-AAA ebolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

Ixesha lakho lixabisekile, kwaye siyayihlonipha loo nto. Kwa-AAA LENDINGS, sizibophelele ekulungiseni inkqubo ye- mortgage ukukongela ixesha kunye nomzamo. Usetyenziso lwethu lwe-intanethi lusebenziseka lula kwaye luyilwe ngokulula kwakho engqondweni. Ungasigqibezela isicelo ngesantya sakho, ukusuka kwintuthuzelo yekhaya lakho okanye iofisi. Siyazi ukuba unobomi obuxakekileyo, kwaye sijonge ukwenza inkqubo yokubambisa ibandakanyeke, isebenze kakuhle, kwaye igcine ixesha.Umthengisi we-Mortgage Vs uMsunguli weMali-mboleko,VaBabolekisi be-Mortgage,Imali-mboleko eqhelekileyo, Kwi-AAA LENDINGS, ukuzibophelela kwethu ekugqweseni kunabela kwiqela lethu. Siyazingca ngokuba neqela elizinikeleyo leengcali eziziingcali kushishino lwemali mboleko. Amagosa ethu emali-mboleko ayizongcali nje; bangamahlakani akho. Balapha ukukukhokela kuyo yonke inkqubo yokuboleka imali, ukusuka ekufakeni isicelo ukuya ekuvaleni. Siyazingca ngobungcali beqela lethu, siqinisekisa ukuba ufumana elona nqanaba liphezulu lenkonzo nenkxaso.

– 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:

IsiKhokelo seMveliso esiNxulumeneyo:

Ukwenziwa kwezinto elubala kungundoqo wemisebenzi yethu. Siyazingca ngonxibelelwano lwethu oluvulekileyo nolunyanisekileyo kunye nabathengi bethu. Akukho ntlawulo ifihliweyo, akukho nto imangalisayo. Sinikezela ngolwazi olucacileyo, olucacileyo malunga neendlela zakho zokubambisa, siqinisekisa ukuba unazo zonke iinyani zokwenza izigqibo ezizizo. Injongo yethu kukwakha intembeko kubathengi bethu ngokuthetha phandle nangokuphandle, ukwenza amava akho enkxaso-mali ekhaya agudiseke kangangoko. -I-AAA yokubolekwa kwe-Non-QM ye-12 okanye ye-24 yeNyanga yeNkcazo yeBhanki yoBuntu / yeBhanki - i-AAA yokubolekwa kwemali , Imveliso iya kubonelela kwihlabathi liphela, njenge: Kuala Lumpur, e-Australia, eMelbourne, Ukufezekisa iingenelo zokubuyisela, inkampani yethu yomeleza ngokubanzi amaqhinga ethu okubambisana kwehlabathi malunga nonxibelelwano kunye nokuhanjiswa kwemveliso, intsebenziswano yamazwe angaphandle, intsebenziswano kunye nokuhanjiswa kwexesha elide. Inkampani yethu iyawuxhasa umoya wokuqamba izinto ezintsha, imvisiswano, umsebenzi weqela kunye nokwabelana, imikhondo, inkqubela phambili yepragmatic. Sinike ithuba kwaye siya kungqina isakhono sethu. Ngoncedo lwakho lobubele, sikholelwa ukuba singenza ikamva eliqaqambileyo kunye nawe kunye.

-AAA Ukuboleka