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Iziko leMveliso

Iinkcukacha zeMveliso

Kubathengi bethu abaninzi, i-mortgage ingaphezulu nje kwentengiselwano yezemali; linyathelo elibalulekileyo ebomini. Nokuba ungumthengi wokuqala wezindlu okanye ungumtyali zindlu onamava, sisondela kwisicelo ngasinye ngenkathalo nengqalelo esiyifaneleyo. Sithatha ixesha lokuqonda iinjongo kunye neminqweno yakho, siqinisekisa ukuba imali yakho yokubambisa ihambelana nombono wakho wekamva lakho.Umthengisi we-Mortgage okanye uMbolekisi,Dfpi uMboleki,Umbolekisi we-Mortgage Dallas Tx, Kwi-AAA LENDINGS, siphuma kwisihlwele sababolekisi bezindlu ngokubeka phambili ukuguquguquka kunye nokulungelelanisa kwindlela yethu. Siyaqonda ukuba imeko yezemali yomboleki yohlukile, kwaye sixhotyiswe ngokupheleleyo ukwenza izisombululo ezilungiselelwe iimfuno zakho ezithile. Nokuba ungumthengi wokuqala wezindlu, usomashishini otyali zindlu, okanye ujonge ukubonelela ngokutsha, iqela lethu leengcaphephe lilapha ukukukhokela kubugocigoci benkqubo yokubambisa. Sikholelwa ukuba ukubolekwa kwezindlu akufuneki kube yinto elinganayo yonke into, kwaye yiloo nto esenza sahluke.
– 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-75% 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:

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

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. - I-AAA Lendings Non-QM DSCR (i-Debt Service Coverage Ratio) Inkqubo - I-AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Croatia, Nepal, Indonesia, Kufuneka siqhubeke nokugcina umgangatho, obanzi, osebenzayo wefilosofi yoshishino yokunyaniseka, uxanduva, umoya omtsha wenkonzo kunye nokuphucula imveliso, ukuthobela imveliso yokwamkela kuqala abathengi baphesheya kolwandle.
    • Ixabiso elifanelekileyo, isimo sengqondo esihle sokubonisana, ekugqibeleni siphumelele imeko yokuphumelela, intsebenziswano eyonwabisayo!
    Iinkwenkwezi ezi-5NguFreda waseMalawi - 2018.11.11 19:52
    Umphathi wemveliso ngumntu oshushu kakhulu kwaye oqeqeshiweyo, sinencoko emnandi, kwaye ekugqibeleni safikelela kwisivumelwano sokuvumelana.
    Iinkwenkwezi ezi-5Ngu-Olive ovela eBhutan - 2017.10.13 10:47

    EzinxulumeneyoIIMVELISO

    Cofa u-enter ukukhangela okanye i-ESC ukuvala