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.Iinkampani eziphezulu zokubolekwa kwezindlu ku-Us,Ukubhalwa phantsi kweMali-mboleko eqhelekileyo,Umbolekisi we-Mortgage eHouston, Enye yezinto esizinikezelayo eziphambili ziimveliso zethu zemboleko 'Ezingezizo ezeQM', kwaye siyazingca ngokukhokela kolu didi lokuboleka imali. Sikhetheke kakhulu kwesi sizinda, sinamava abanzi kunye nokungena kwangoko kwimarike, kusenza sibe nobuchule bokuqonda kunye nokujongana neemfuno zakho zemali. Ukuhamba indlela eya kwiinjongo zakho zemali kuba lula, uhambo olufikelelekayo kunye ne-AAA LENDINGS ecaleni kwakho. Yiva amandla okuboleka ngokwezifiso kunye nathi namhlanje, kwaye sikuvumele sikuncede ufezekise iminqweno yakho yezemali.

– 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 yoMntu kunye ne-50% kwiiDipozithi zeAkhawunti yeShishini (iinyanga ezili-12 ezilandelelanayo).

Iimbalasane zeNkqubo

1) Ukuya kuthi ga kwi-4M yeMali yeMali-mboleko;
2) Ukuya kuthi ga kwi-80% LTV;
3) Ukuziqeshisa kunye nabaBoleki abayi-1099;
4) 660 okanye ngaphezulu Credit Score;
5) Akukho kugcinwa kufunwa i-LTV kuma-75% okanye ngaphantsi;
6) Akukho 4506T / Akukho K1 / Akukho P & L efunekayo;
I-7) Akukho MI (i-Inshurensi ye-Mortgage).

Kutheni sikhetha iiNkcazo zeBhanki?

Nangona uninzi lwabantu baseMelika lungakwazi ukufumana amaxwebhu apheleleyo kwimali-mboleko yendlu yesiqhelo, abaninzi abakangeni kwizikhokelo zikaFannie noFreddie xa kufikwa kwiimfuno zokuboleka imali. Ngethamsanqa, iimali-mboleko ezingezizo eze-QM kunye namaxwebhu engeniso yengxelo yebhanki zizisombululo ezintle 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 nabanogcino-zincwadi abalumkileyo badla ngokungayihlawuli irhafu ngenxa yokusebenzisa iikhowudi zerhafu. Abaninzi banomvuzo ongemhle. Ngelishwa, ukucinywa okuninzi kuthetha ukuba abaziqeshileyo abarhola umvuzo banexesha elinzima lokufumana i-mortgage. Ababolekisi bemveli baya kusebenzisa ingeniso epheleleyo ehlengahlengisiweyo xa bebala umvuzo ofanelekileyo, eziziindaba ezimnandi kubathengi bamakhaya abaziqeshileyo abanemali-mboleko engeyiyo eye-QM. Sine-Non-QM yokubambisa kubaboleki abazisebenzelayo ngaphandle kweembuyekezo zerhafu yengeniso ezifunekayo.

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. – AAA Lendings Non-QM 12 okanye 24-yenyanga Personal / Business Bank Statements Programme – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Mecca, Colombia, Uganda, Sigxininisa kuMgangatho wokuQala, iReputation First kunye noMthengi wokuqala. Sizimisele ukubonelela ngeemveliso ezikumgangatho ophezulu kunye neenkonzo ezilungileyo emva kokuthengisa. Ukuza kuthi ga ngoku, iimveliso zethu ziye zathunyelwa kumazwe angaphezu kwama-60 kunye nemimandla ehlabathini lonke, ezifana America, Australia kunye neYurophu. Siyakonwabela udumo oluphezulu ekhaya naphesheya. Sihlala sizingisa kumgaqo weTyala, uMthengi kunye noMgangatho, silindele intsebenziswano nabantu kuzo zonke iinkalo zobomi ukuze bafumane inzuzo efanayo.

-AAA Ukuboleka

Le yinkampani ethembekileyo nethembekileyo, iteknoloji kunye nezixhobo zihamba phambili kakhulu kwaye imveliso yanele kakhulu, akukho nkxalabo ekuboneleleni.
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