IWholesale - i-AAA yokuboleka i-Non-QM DSCR (i-Debt Service Coverage Ratio) Inkqubo – i-AAA ebolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

Iphupha lobunini bezindlu aliphelelanga nje kubathengi bezindlu zemveli. Kwi-AAA LENDINGS, sineenkqubo ezikhethekileyo zokubonelela ababoleki abangengobantu bemveli. Ukuba uyazisebenza, unomvuzo oguquguqukayo, okanye ujongene neemeko ezizodwa zezimali, iindlela zethu zokuboleka imali zinokubamba inzala yakho. Samkela iyantlukwano kubaboleki kwaye sijonge ngenkuthalo izisombululo ezitsha zokuboleka imali, siqinisekisa ukuba uhambo lwakho lobunini-zindlu luhlala lubandakanya, nokuba ithini na imeko yakho yemali.UVandlakanyo loMboleki-mali we-Mortgage,Umgca weTyala,Ababolekisi bezindlu eziphezulu zeKhaya, Siyaqonda ukuba i-creditworthiness ingaba yinkxalabo kubaboleki abaninzi. Yiyo loo nto sinikezela ngeenkonzo zokucebisa ngetyala ukuze sikuncede uphucule amanqaku akho kwaye ukhusele imiqathango engcono yemboleko. Ngokubonelela ngezimvo ezixabisekileyo kunye nesikhokelo esilungiselelweyo, sijonge ekubandakanyweni abo banokuba ngababoleki abanokuthi ekuqaleni bangaqinisekanga malunga nokufaneleka kwabo. Silapha ukukuxhobisa ukuba ulawule ikamva lakho lezemali.

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

Ayinasihloko-6

Isishwankathelo

Inkqubo ye-DSCR (i-Debt Service Coverage Ratio).

Le yeyona nkqubo ilula phakathi kwazo zonke iinkqubo ze-Non-QM.

Ingeniso/iSimo seNgqesho/ iMbuyiselo yerhafu ayifunwa.

Iimbalasane zeNkqubo

1) Ukuya kuthi ga kwi-2M yeMali-mboleko;
2) Ukuya kuthi ga kwi-80% LTV;
3) 660 okanye ngaphezulu Credit Score;
4) Ingavala 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 ziphambili zingentla-inkqubo yeDSCR. Yeyona mveliso idumileyo engeyo-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.

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, ayinazo iimfuneko zengeniso yomboleki kuba ayibandakanyi ukubalwa kwe-DTI. Kwaye umlinganiselo omncinci we-DSCR unokuba ngaphantsi njenge-0. Nokuba ingeniso yerenti iphantsi, sisenokwenza! Olu lukhetho oluhle kubaboleki abanomvuzo 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.

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

I-AAA LEENDINGs ayingombolekisi nje; siliqabane lakho lezemali. Sithatha ixesha lokumamela iinjongo zakho zemali kunye neminqweno, ukunika isikhokelo ngaphaya kwenkqubo yesicelo. Ukuzibophelela kwethu kwintlalontle yakho yezemali kudlulela ngaphaya kokuvalwa kwesivumelwano, kwaye sizinikele ekukuncedeni ufezekise iinjongo zakho zexesha elide, nokuba bubunini bezindlu, utyalo-mali lwezindlu nomhlaba, okanye ukuqinisa amatyala. -I-AAA Lendings Non-QM DSCR (I-Debt Service Coverage Ratio) Inkqubo - I-AAA Lendings , Imveliso iya kubonelela kwihlabathi liphela, njenge: Bangalore, Sevilla, Norwegian, Sijongene namandla omanyano lwehlabathi lokudityaniswa koqoqosho, siye saqiniseka ngezinto zethu ezikumgangatho ophezulu kwaye sinqwenela ngokunyanisekileyo kubo bonke abathengi bethu abasebenzisanayo kunye nekamva.

-AAA Ukuboleka

Abavelisi abalungileyo, sibambisene kabini, umgangatho olungileyo kunye nesimo sengqondo esihle senkonzo.
Iinkwenkwezi ezi-5

Ngu-Alberta ovela eUnited States - 2018.03.03 13:09

Umzi-mveliso unezixhobo eziphambili, abasebenzi abanamava kunye nenqanaba lolawulo olulungileyo, ngoko umgangatho wemveliso wawunesiqinisekiso, le ntsebenziswano ikhululekile kwaye yonwabile!
Iinkwenkwezi ezi-5

NguKatherine ovela eBahamas - 2017.09.22 11:32