1 (877) 789-8816 marketing@aaalendings.com
TPO Portal
U.S.

Iziko leMveliso

Iinkcukacha zeMveliso

Ukwenziwa kwezinto ezintsha yinxalenye yeDNA yethu. Sisoloko sifuna iindlela zokuphucula amava okuthenga ngendlu kubathengi bethu. Inkqubo yethu ye-intanethi ye-intanethi ye-intanethi, ulawulo olukhuselekileyo lwamaxwebhu, kunye neendlela zonxibelelwano lwedijithali zinika uhambo olungenamthungo, olungenamaphepha. Nge-AAA LENDINGS, ungalindela amava angoku, asebenzayo, kunye nokhuseleko lwemali-mboleko ehlala ihambelana nehlabathi elikhawulezayo lobuchwephesha. Uncedo lwakho kunye nokhuseleko zibaluleke kakhulu kuthi.Akukho mfuneko yoMvuzo,Imali-mboleko yesiqhelo Dti,Inzala edibeneyo, 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.
– 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:
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. – AAA Lendings Non-QM DSCR (Debt Service Coverage Ratio) Programme – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Eindhoven, Bangalore, Turkey, Ngenkxaso engcono kakhulu yezobuchwepheshe, siye salungisa iwebhusayithi yethu ukuba ibe ngamava angcono kakhulu omsebenzisi kwaye sigcine engqondweni ukukhululeka kwakho kokuthenga. siqinisekisa ukuba okona kulungileyo kufikelela kuwe emnyango wakho, ngexeshana elifutshane kwaye ngoncedo lwamaqabane ethu asebenzayo okusebenza oko kukuthi i-DHL kunye ne-UPS. Sithembisa umgangatho, siphila ngokwesaci sokuthembisa kuphela oko sinokukuphumeza.
    • Ndiyathemba ukuba inkampani inokubambelela kumoya weshishini woMgangatho, ukuSebenza, ukuVelisa izinto ezintsha kunye neMfezeko, iya kuba ngcono kwaye ibengcono kwixesha elizayo.
    Iinkwenkwezi ezi-5Ngu-Ophelia waseJapan - 2017.02.28 14:19
    Umthengisi olungileyo kweli shishini, emva kwengcombolo kunye nengxoxo ecokisekileyo, sifikelele kwisivumelwano sokuvumelana. Ndiyathemba ukuba siyasebenzisana kakuhle.
    Iinkwenkwezi ezi-5Ngu-Afra waseTanzania - 2017.05.02 18:28

    EzinxulumeneyoIIMVELISO

    Cofa u-enter ukukhangela okanye i-ESC ukuvala