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Iziko leMveliso

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.Ngaba ababolekisi bezindlu basebenza ngeempelaveki,Imali-mboleko yesiqhelo,Top Non-Qm Mortgage mboleko, 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:

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

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: South Korea, Surabaya, Hanover, Besisoloko siqhubeka kwisiseko soshishino Umgangatho Wokuqala, Iikhontrakthi zokuHlonitshwa kunye nokuma ngokuDumisa, ukubonelela abathengi kunye nenkonzo eyanelisayo. Abahlobo bobabini ekhaya nakwamanye amazwe bamkelekile ngokufudumeleyo ukuseka ubudlelwane boshishino lwanaphakade kunye nathi.
    • Eli lishishini lokuqala emva kokuba inkampani yethu iseke, iimveliso kunye neenkonzo zanelisa kakhulu, sinesiqalo esihle, sinethemba lokusebenzisana ngokuqhubekayo kwixesha elizayo!
    Iinkwenkwezi ezi-5Ngu-Isabel waseCyprus - 2017.02.14 13:19
    Akulula ukufumana umboneleli onjalo oqeqeshiweyo kunye nonoxanduva kwixesha lanamhlanje. Ndiyathemba ukuba sinokugcina intsebenziswano yexesha elide.
    Iinkwenkwezi ezi-5NguRakeli ukusuka Seattle - 2017.02.18 15:54

    EzinxulumeneyoIIMVELISO

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