Ihoseyili - i-AAA yokuBoleka i-Non-QM ye-Asethi eLungeneyo ngokuLula ukhetho kuphela – i-ATR-In-Full – AAA iBoleka imali kunye nomtyali-mali

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.Iintlobo zeMali-mboleko yoMvuzo ophantsi,Umbolekisi oPhezulu,Ngaba ababolekisi bezindlu basebenza ngeempelaveki, Siyaqonda ukuba ukukhetha umbolekisi we-mortgage sisigqibo esibalulekileyo. Ukukunceda uqhagamshelane ne-AAA LENDINGS, sinikezela ngothethwano olungenazingxaki, olungabopheleliyo kunye namagosa ethu emali-mboleko. Olu chuku lobuqu lukuvumela ukuba uzive ngendlela yethu kwaye ubuze nayiphi na imibuzo onokuthi unayo. Sinqwenela ukunxulumana nawe, siqonde iinjongo zakho, kwaye sikunike iimbono ezixabisekileyo, konke oko ngokubonisana okukhululekileyo nokufundisayo.

– I-AAA yokuboleka i-Non-QM ye-Asethi eLungeneyo ngokulula kuphela – i-ATR-In-Full – i-AAA yeNkcukacha yokuBoleka:

Ingenasihloko-9

Isishwankathelo

Inkqubo ye-asethi edumileyo. Umboleki unemali ethile, enokuhlawula ixabiso lokuthenga okanye ixabiso lemali-mboleko kunye neendleko zokuvala. Akukho lwazi lomsebenzi; Akukho DTI.

Iinkcukacha

1) Ukuya kuthi ga kwi-75% LTV;
2) Ukuya kuthi ga kwi-4M yemali-mboleko;
3) Indawo yokuhlala ephambili kuphela;
4) Akukho mida kwinani leepropati ezibonelelwe ngemali;
I-5) Ubuncinci beenyanga ezi-6 zokugcina kwiimali zomboleki.

Yintoni le nkqubo?

Inkqubo ye-ATR-In-Full ikwayinkqubo ye-asethi, efanelekile nge-asethi kuphela. Ukhetho olulungileyo lweemali mboleko ezingezizo ze-QM.
Ukubolekwa kwe-AAA akuyi kubala i-DTI kubafaki-zicelo abafanelekileyo ngokungqina ii-Asethi kuphela (“ATR-In-Full”). Ngokwemishini, nawuphi na umvuzo okanye ingqesho edweliswe kwisicelo iya kuthathwa njengento engafanelekanga kulowo ubhala phantsi kwaye, ngokutshintshana, inokushiywa ingenanto. Ukuba ingqesho kunye nomvuzo unokumelwa kwisicelo, i-DTI akufunekanga ibalwe

Wazi njani ukuba unako i-asethi efanelekileyo kule nkqubo?

Ngezantsi ziindlela zokubala:
Ngemali-mboleko yokuthenga, zonke ii-asethi ezivumelekileyo kufuneka zihambelane nexabiso lokuthenga kunye nazo zonke iindleko zokuvala.
Ii-asethi >= Ixabiso lokuthenga + zonke iindleko zokuvala
Kwimali-mboleko yemali-mboleko, iyonke impahla evumelekileyo kufuneka ihambelane nesixa-mali esipheleleyo semali mboleko kunye neendleko zokuvala.
Ii-asethi >= Isixa semali-mboleko + iindleko zokuvala

Jonga ngezantsi iimeko zesiqinisekiso, ungabhekisa kwiindlela zokubala ukubona ukuba ungalungela na kuqala phambi kokufaka isicelo semali mboleko kubabolekisi:

Imeko 1: Ixabiso lokuthenga kunye neendleko zokuvala = $768,500. Ii-asethi ezikhoyo = $700,000 (ukonga) kunye ne-$45,000 (50% ye-IRA) = $748,000. Ngokufutshane nge-20,500 yeedola. Ukuba umboleki yi-59.5 okanye ngaphezulu, ii-asethi ezifanelekileyo ziya kuba yi-$ 700,000 + i-$ 54,000 (i-60% ye-IRA) = i-$ 754,000 kwaye imfutshane nge-$ 14,500.

Imeko 2: Imali-mboleko kunye neendleko zokuvala = $518,500. Ii-asethi ezikhoyo = $370,000 (ukugcinwa) + $100,000 (50% ye-IRA) = $470,000. Ngokufutshane nge-48,500 yeedola. Ukuba i-59.5 okanye ngaphezulu, i-asethi efanelekileyo = i-$ 370,000 + i-$ 120,000 (i-60% ye-IRA) = i-$ 490,000 kwaye imfutshane nge-$ 28,500.

Yeyiphi iasethi efanelekileyo kule nkqubo?

Imali, ii-stocks, iibhondi kunye ne-personal liquid assets (akukho propati) = 100%
Iiakhawunti zomhlalaphantsi = 50% ukuba 59 okanye ngaphantsi kunye 60% ukuba abadala
Akukho mali yeshishini

Ziziphi iingenelo?

Min. Iinyanga ezi-6 zoLondolozo

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke. -I-AAA yokubolekwa kwe-AAA engeyiyo i-QM eLungelelekileyo yeAsethi kuphela ukhetho - i-ATR-In-Full - AAA Lendings , Imveliso iya kubonelela kwihlabathi liphela, njengale: eSydney, eMalawi, eMauritius, Sigxininisa kumgaqo weTyala oyintloko, abaThengi ukuba yinkosi kunye noMgangatho ongowona ubalaseleyo, sijonge phambili kwintsebenziswano efanayo kunye nabo bonke abahlobo basekhaya kunye nekamva eliqaqambileyo siya kudala ikamva eliqaqambileyo ekhaya kunye namazwe aphesheya.

-AAA Ukuboleka

Lo ngumthengisi ochwephesha kakhulu, sihlala siza kwinkampani yabo ukuze sithenge, umgangatho olungileyo kunye nexabiso eliphantsi.
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