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Iziko leMveliso

Iinkcukacha zeMveliso

I-AAA LENDINGS iyazingca ngokubandakanyeka kwethu kuluntu kunye noxanduva loluntu. Sikholelwa ukuba ukuba ngumbolekisi othembekileyo kuthetha ukubuyisela kuluntu esilusebenzelayo. Iqela lethu lithatha inxaxheba ngokukhutheleyo kumalinge esisa, ukuxhasa izizathu zasekuhlaleni, nokukhuthaza ulwazi lwezemali. Asikho nje kwishishini lokubonelela ngemali-mboleko; sityale imali ekwenzeni impembelelo eyakhayo kubomi babaxumi bethu nakuluntu abalubiza ngokuba likhaya.Ababoneleli beMortgage abaPhezulu,I-Mortgage Broker Gold Coast,IMida yeMali-mboleko yeDti yeSiqhelo yowama-2021, 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.
– I-AAAA yokuBoleka i-Non-QM ye-DSCR(i-Debt Service Coverage Ratio) Inkqubo – i-AAA yeNkcukacha yokuBoleka:

Ayinasihloko-6

Isishwankathelo

Uninzi lwemveliso elula kwiindidi zeenkqubo ze-Non-QM.
Akukho Mvuzo/ Akukho Msebenzi/ Akukho ziBuyiselo zeRhafu, kungekho nokuthelekisa umlinganiselo we-DTI njengemali-mboleko eqhelekileyo. Kuphela ukuba ipropati yomxholo iyipropathi yotyalo-mali.

Iinkcukacha

1) Ukuya kuthi ga kwimali-mboleko ye-$ 2M;
2) Ukuya kuthi ga kwi-80% Max LTV;
3) 660 okanye amanqaku aphezulu ekhredithi;
4) Inokuvalwa 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.

Inkqubo yeDSCR

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. Okulandelayo, masingene kwinkqubo yeDSCR.

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

Thina i-AAA yokuboleka ngoku ibonelela "Akukho mlinganiso we-DSCR" kubathengi bethu, oku kuthetha ukuba umlinganiselo unokuhla ukuya ku-"0" Kwimveliso yethu yemboleko yendibano, kufuneka sithelekise umvuzo wethu kunye ne-PITIA yenyanga (Umgaqo / Inzala / Irhafu / I-inshurensi / i-HOA) kunye namanye amatyala endlu ebolekiweyo ukuze senze isigqibo sokuba imali-mboleko inokufaneleka.

I-DSCR

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 zingundoqo zingentla, yinkqubo ye-DSCR, eyona mveliso idumileyo engeyiyo ye-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. Okulandelayo, masingene kwinkqubo yeDSCR.

Ziziphi iingenelo zenkqubo yeDSCR?

Akukho mlinganiso we-DSCR, imveliso yemali-mboleko engakhangeli ingeniso, ayinayo imfuneko yengeniso yeendwendwe, kuba le mveliso yemboleko ayibandakanyi ukubalwa kwe-DTI. Kwaye umlinganiselo omncinci we-DSCR unokuba ngaphantsi njenge-0. Nokuba irenti yendlu iphantsi, sisenokwenza! Olu lukhetho oluhle kwiindwendwe ezinomvuzo 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.

Izikhokelo zethu zibhetyebhetye kwaye ukuba imali-mboleko yakho iyavakala siya kukunceda uyivale ngokukhawuleza. Sinonxibelelwano olungenamagingxi-gingxi kunye neengeniso ezikhawulezayo zemboleko-mali ye-Non-QM, qhagamshelana nathi ukuba unazo naziphi na iimfuno.

Wenza imali eninzi! Ukungeniswa kwethu okuqhelekileyo ukuvala kungaphantsi kweeveki ze-3 kwaye sivala ngaphandle kokuphazamiseka. Khawucinge ukuba ukuthunyelwa kwakho kuya kwanda njani.

Imifanekiso yeenkcukacha zemveliso:

-I-AAAA yokuBoleka i-Non-QM ye-DSCR(iNkqubo yokuBonelelwa kweNkonzo yeTyala) -Imifanekiso ye-AAA yokuBoleka

IsiKhokelo seMveliso esiNxulumeneyo:
Kwi-AAA LENDINGS, sikholelwa ekubuyiseleni abathengi bethu abaxabisekileyo. Yiyo loo nto sinikezela ngenkqubo yokunyaniseka ekuvuza ngokuthemba kwakho kunye nentsebenziswano eqhubekayo nathi. Inkqubo yethu yokunyaniseka yenzelwe ukukugcina ubandakanyekile kwaye uxatyiswe, ibonelela ngezibonelelo ezikhethekileyo kunye nezaphulelo kubathengi bethu ababuyayo. Ukuzibophelela kwakho kwi-AAA LENDINGS kuqondwa kwaye kuvuzwa, kwaye sizama ukwenza umdla wakho oqhubekayo kwiinkonzo zethu ube ngamava anomvuzo. -AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Programme - AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, njenge: Venezuela, Hyderabad, Nepal, Ngexesha le-10 leminyaka yokusebenza, inkampani yethu ihlala izama konke okusemandleni ethu ukuzisa ulwaneliseko lokusetyenziswa komsebenzisi, izakhele igama lebrand yethu kunye namaqabane amaninzi avela kumazwe ngamazwe, e-United Kingdom, e-Ukraine, e-United Kingdom. Italy, Argentina, France, Brazil, njalo njalo. Okokugqibela, ixabiso leemveliso zethu lifanelekile kwaye linokhuphiswano oluphezulu kunye nezinye iinkampani.
    • Umphathi we-akhawunti wenze isingeniso esicacileyo malunga nemveliso, ukuze sibe nokuqonda okubanzi kwemveliso, kwaye ekugqibeleni sagqiba ekubeni sisebenzisane.
    Iinkwenkwezi ezi-5NguGenevieve ovela eToronto - 2018.06.09 12:42
    Umenzi usinike isaphulelo esikhulu phantsi kwesiseko sokuqinisekisa umgangatho weemveliso, enkosi kakhulu, siya kuphinda sikhethe le nkampani.
    Iinkwenkwezi ezi-5NguJuliet ovela eJakarta - 2018.08.12 12:27

    EzinxulumeneyoIIMVELISO

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