– I-AAA yokuboleka i-Non-QM ye-Asethi eLungeneyo ngokulula kuphela – i-ATR-In-Full – i-AAA yeNkcukacha yokuBoleka:
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:
Ukwenziwa kwezinto elubala kungundoqo wemisebenzi yethu. Siyazingca ngonxibelelwano lwethu oluvulekileyo nolunyanisekileyo kunye nabathengi bethu. Akukho ntlawulo ifihliweyo, akukho nto imangalisayo. Sinikezela ngolwazi olucacileyo, olucacileyo malunga neendlela zakho zokubambisa, siqinisekisa ukuba unazo zonke iinyani zokwenza izigqibo ezizizo. Injongo yethu kukwakha intembeko kubathengi bethu ngokuthetha phandle nangokuphandle, ukwenza amava akho enkxaso-mali ekhaya agudiseke kangangoko. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Botswana, Vietnam, Stuttgart, Qinisekisa ukuba uziva ukhululekile ngokunyanisekileyo ukusithumela iimfuno zakho kwaye siya kukuphendula ngokukhawuleza. Ngoku sineqela lobunjineli abanobuchule bokukusebenzela malunga nazo zonke iimfuno ezineenkcukacha. Iisampulu ezingahlawulelwayo zinokuthunyelwa ukuze zihambelane neemfuno zakho ukuze uqonde ulwazi oluninzi. Ngomzamo wokuhlangabezana neemfuno zakho, qiniseka ukuba uziva ukhululekile ukunxibelelana nathi. Unokusithumelela ii-imeyile kwaye uqhagamshelane nathi ngokuthe ngqo. Ngaphaya koko, siyakwamkela ukutyelelwa komzi-mveliso wethu osuka kwihlabathi liphela ukuze kuqondwe ngcono umbutho wethu. kunye nezinto. Kurhwebo lwethu nabarhwebi bamazwe amaninzi, sikholisa ukubambelela kumgaqo wolingano kunye nenzuzo efanayo. Ngenene lithemba lethu lokuthengisa, ngemizamo edibeneyo, urhwebo ngalunye kunye nobuhlobo ukuze sizuze thina. Sijonge phambili ekufumaneni imibuzo yakho.
NguIris waseNamibia - 2018.07.12 12:19 Umthengisi uthobela ithiyori yomgangatho wesiseko, uthembe eyokuqala kunye nolawulo oluphambili ukuze baqinisekise umgangatho wemveliso othembekileyo kunye nabathengi abazinzile.
NguJudy ovela ePeru - 2018.12.10 19:03 
