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

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke.IiMfuneko ze-Mortgage Broker,Iphepha lexabiso,Umbolekisi we-Mortgage okanye iBhanki, Enye yezinto esizinikezelayo eziphambili ziimveliso zethu zemboleko 'Ezingezizo ezeQM', kwaye siyazingca ngokukhokela kolu didi lokuboleka imali. Sikhetheke kakhulu kwesi sizinda, sinamava abanzi kunye nokungena kwangoko kwimarike, kusenza sibe nobuchule bokuqonda kunye nokujongana neemfuno zakho zemali. Ukuhamba indlela eya kwiinjongo zakho zemali kuba lula, uhambo olufikelelekayo kunye ne-AAA LENDINGS ecaleni kwakho. Yiva amandla okuboleka ngokwezifiso kunye nathi namhlanje, kwaye sikuvumele sikuncede ufezekise iminqweno yakho yezemali.

– 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 unexabiso elithile le-asethi, elinokuhlawula ixabiso lokuthenga okanye isixa semali-mboleko kunye neendleko zokuvala. Akukho lwazi lwengqesho olufunekayo; Akukho DTI.

Iimbalasane zeNkqubo

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;
5) Ubuncinci iinyanga ezi-6 ezigcinwe kwiimali zomboleki.

Yintoni i-ATR-In-Full?

Inkqubo ye-ATR-In-Full ikwayinkqubo ye-asethi, efanelekile nge-asethi kuphela.

Asiyi 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. Njengenye indlela, inokushiywa ingenanto.

Isiqinisekiso

Ngezantsi ziindlela zokubala:
Ngemali-mboleko yokuthenga, iyonke impahla evumelekileyo kufuneka ihambelane nexabiso lokuthenga kunye nazo zonke iindleko zokuvala.
Ii-asethi >= Ixabiso lokuthenga + zonke iindleko zokuvala
Kwimali-mboleko yokubuyisela imali, zonke ii-asethi ezivumelekileyo kufuneka zingqinelane 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 umboleki yi-59.5 okanye ngaphezulu, i-asethi efanelekileyo = $ 370,000 + $ 120,000 (60% ye-IRA) = $ 490,000 kwaye imfutshane nge-$ 28,500.

Ii-asethi ezifanelekileyo

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.

Imifanekiso yeenkcukacha zemveliso:

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. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Bahamas, Saudi Arabia, French, Sikholelwa ukuba ubudlelwane obuhle bezoshishino buya kukhokelela kwiinzuzo ezifanayo kunye nokuphuculwa kwamaqela omabini. Ngoku siseke ubudlelwane bentsebenziswano bexesha elide noluyimpumelelo kunye nabathengi abaninzi ngokuzithemba kwabo kwiinkonzo zethu ezilungiselelweyo kunye nokuthembeka ekwenzeni ishishini. Sikwanandipha udumo oluphezulu ngokusebenza kwethu kakuhle. Ukusebenza ngcono kuya kulindeleka njengomgaqo wethu wemfezeko. Ukuzinikela kunye nokuzinza kuya kuhlala kunjalo.

-AAA Ukuboleka

Inkampani inokuqhubeka notshintsho kule marike yoshishino, uhlaziyo lwemveliso ngokukhawuleza kwaye ixabiso liphantsi, le yintsebenziswano yethu yesibini, ilungile.
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