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

Kwihlabathi lemboleko-mali yokubambisa, ukufikeleleka ngundoqo. Iqonga lethu le-digital mortgage liyilwe ngokulula kwakho engqondweni. Ungafaka isicelo semali mboleko, ulayishe amaxwebhu, kwaye ulandelele inkqubela yakho yemali mboleko kwi-Intanethi, konke ukusuka kubutofotofo bekhaya lakho. Senze amava edijithali abandakanyekayo akubeka kulawulo, eqinisekisa ukuba ungasilawula isicelo sakho semali mboleko ngesantya sakho, 24/7.Iinzuzo zeNkunzi,Umbolekisi we-Mortgage 2021,I-Inshorensi yoKhukula, 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:

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. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Atlanta, India, Poland, Inkampani yethu ihlala igxile ekuphuhliseni imarike yamazwe ngamazwe. Sinabathengi abaninzi eRashiya, kumazwe aseYurophu, e-USA, kumazwe akuMbindi Mpuma nakumazwe aseAfrika. Sihlala silandela ukuba umgangatho usisiseko ngelixa inkonzo iqinisekisa ukuhlangabezana nabo bonke abathengi.

-AAA Ukuboleka

Sihlala sikholelwa ukuba iinkcukacha zithatha isigqibo malunga nomgangatho wemveliso yenkampani, kulo mba, inkampani ihambelana neemfuno zethu kwaye iimpahla ziyahlangabezana nesilindeleyo.
Iinkwenkwezi ezi-5

NguBetty ovela eCuracao - 2018.09.29 13:24

Umgangatho wemveliso ulungile, inkqubo yokuqinisekisa umgangatho igqityiwe, yonke ikhonkco inokubuza kunye nokusombulula ingxaki ngexesha elifanelekileyo!
Iinkwenkwezi ezi-5

NguKaren ovela eSheffield - 2018.12.11 11:26