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.Dfpi Mortgage Umbolekisi,Uluhlu lwabaBolekisi bezindlu ngo-2021,Ukuvala ngokukhawuleza, Siyalixabisa ixesha lakho, kwaye siyaqonda ukuba ishedyuli yakho ayinakuhlala ihambelana neeyure zoshishino eziqhelekileyo. Yiyo loo nto inkxaso yethu yabathengi ifumaneka ngaphaya kwe-9-to-5 yefestile. Nokuba unemibuzo ngokuhlwa okanye ngempelaveki, silapha ukuze sikuncede. Iiyure zethu zenkxaso ezongeziweyo zijolise ekubandakanyeni abathengi ngokubonisa ukuzibophelela kwethu ekubeni lapho xa usifuna kakhulu. Uncedo lwakho yeyona nto iphambili kuthi, kwaye silapha ukwenza uhambo lwakho lokuboleka imali lubandakanye kwaye lungabinangxaki kangangoko.

– 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:

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. – AAA Lendings Non-QM Easily Qualified asset only option – ATR-In-Full – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: kazakhstan, Finland, Argentina, Amaziko ethu axhotyiswe kakuhle kunye nokulawula umgangatho ogqwesileyo kuzo zonke izigaba zemveliso zisenza ukuba siqinisekise ukwaneliseka okupheleleyo kwabathengi. Ukuba unomdla kuyo nayiphi na imveliso yethu okanye ungathanda ukuxoxa ngomyalelo wesiko, nceda uzive ukhululekile ukuba uqhagamshelane nam. Sijonge phambili ekwenzeni ubudlelwane beshishini obuyimpumelelo kunye nabathengi abatsha kwihlabathi liphela.

-AAA Ukuboleka

Impendulo yabasebenzi benkonzo yabathengi inengqiqo kakhulu, eyona nto ibalulekileyo kukuba umgangatho wemveliso ulungile kakhulu, kwaye upakishwe ngononophelo, uthunyelwa ngokukhawuleza!
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