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Iziko leMveliso

Iinkcukacha zeMveliso

Ukuzibophelela kwethu ekugqweseni nasekuzinikeleni kubathengi bethu kusiqhubele ekubeni sandise imisebenzi yethu kumazwe angama-45, kuquka iArizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwamanye. Nangona kunjalo, impumelelo yethu ayichazwanga kuphela ngamanani. Uphononongo oluninzi oluhle kunye nodumo olunamandla lokuthetha ngomlomo esilufumeneyo lusebenza njengobungqina bokuthenjwa kunye nentembeko ebekwe yintengiso kuthi.I-Mortgage Broker Gold Coast,Ababolekisi bezindlu ngetyala elibi,Iimfuno zoMboleki we-Mortgage, Kwi-AAA LENDINGS, sikholelwa ukuba umninimzi kufuneka abe ngamava amnandi kunye nokwanelisayo. Ukubandakanya kunye nokukuchulumancisa kolu hambo, sibonelela ngofikelelo olukhethekileyo kuluntu lwabaninimzi bethu. Qhagamshelana nabanye ngendlela efanayo, yabelana ngamava, kwaye ufumane ulwazi oluxabisekileyo ukwenza uhambo lwakho lobunini-khaya lube lubandakanya kwaye lubenonxibelelwano. Ikhaya lakho asiyopropathi nje; luluntu kunye nendlela yokuphila, kwaye silapha ukwenza olo hambo lube nomtsalane ngakumbi.
– 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:

-Ukuboleka kwe-AAA engeyiyo i-QM eLungenelo ngokuLula iAsethi kuphela ukhetho-ATR-In-Full-I-AAA yokuboleka imifanekiso yeenkcukacha

IsiKhokelo seMveliso esiNxulumeneyo:
Ukuzibophelela kwethu ekugqweseni nasekuzinikeleni kubathengi bethu kusiqhubele ekubeni sandise imisebenzi yethu kumazwe angama-45, kuquka iArizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwamanye. Nangona kunjalo, impumelelo yethu ayichazwanga kuphela ngamanani. Uphononongo oluninzi oluhle kunye nodumo olunamandla lokuthetha ngomlomo esilufumeneyo lusebenza njengobungqina bokuthenjwa kunye nentembeko ebekwe yintengiso kuthi. - Ukubolekwa kwe-AAA eNgenaQM ngokuLula eLungenelo lweAsethi kuphela ukhetho - ATR-In-Full - AAA Lendings , Imveliso iya kubonelela kwihlabathi liphela, njenge: Lesotho, Amman, Finland, Njengomanyano lwezoqoqosho lwehlabathi oluzisa imiceli mngeni kunye namathuba kushishino lwe-xx, inkampani yethu, ngokuqhubeka nomsebenzi wethu weqela, umgangatho wokuqala, ukuveliswa kwezinto ezintsha kunye nokubonelela ngeemveliso zethu ngokufanayo ixabiso elikhuphisanayo kunye nenkonzo enkulu, kunye nokwakha ikamva eliqaqambileyo phantsi komoya ophezulu, okhawulezayo, onamandla kunye nabahlobo bethu kunye ngokuqhubeka nokuziphatha kwethu.
    • Uluhlu olubanzi, umgangatho olungileyo, amaxabiso afanelekileyo kunye nenkonzo elungileyo, izixhobo eziqhubela phambili, iitalente ezigqwesileyo kunye nemikhosi yetekhnoloji yomeleza ngokuqhubekayo, iqabane elihle leshishini.
    Iinkwenkwezi ezi-5NguNancy ovela kwi-United Arab Emirates - 2017.03.08 14:45
    Inkokeli yenkampani isamkela ngokufudumeleyo, ngengxoxo ecokisekileyo necokisekileyo, satyikitya umyalelo wokuthenga. Ndiyathemba ukusebenzisana kakuhle
    Iinkwenkwezi ezi-5NguBelinda ovela eGabon - 2018.09.08 17:09

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