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

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.Top 10 Mortgage Refinance Companies,Inkqubo yokuSetywa kweAsethi,Ingeniso echaziweyo, Xa kuziwa kumaxabiso, i-AAA LENDINGS izimisele ukubonelela ngeendlela ezikhuphisanayo nezifikelelekayo. Siyazi ukuba ukufumana imali mboleko kubandakanya kungekuphela nje ukufumana ikhaya lamaphupha akho kodwa nokuqinisekisa ukuba ihlala ilutyalo-mali olufikelelekayo. Ukuzinikela kwethu ekuboneleleni ngamaxabiso akhuphisanayo kuthetha ukuba ungaqalisa ngokuzithemba kuhambo lwakho lobunini-ndlu, usazi ukuba ufumene imali-mboleko ehambelana nohlahlo lwabiwo-mali lwakho.

– 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”). Kule nkqubo, unokushiya icandelo lengeniso lingenanto kwisicelo semali-mboleko njengoko ingasetyenziswanga kule nkqubo.

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:

Ukucwangcisa ikamva lakho lezemali kuqala ngeqabane elifanelekileyo lokuboleka imali, kwaye kwa-AAA LENDINGS, sizimisele ukukunceda ufezekise amaphupha akho. Siyaqonda ukuba uhambo olusingise kumninimzi lunokuba luyolo kodwa luyoyikeka. Iingcali zethu ezinamava zingaphezulu nje kweengcali zokubambisa; bangamahlakani akho emali. Ziyafumaneka ukuze uxoxe ngeenjongo zakho, uvavanye imeko yakho yezemali, kwaye unike isikhokelo somntu esibamba umdla wakho. Siyazingca ngokuba sisikhokelo esikuxhobisayo ukuba wenze izigqibo ezizizo malunga nekamva lakho. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Hyderabad, Barcelona, Hungary, Iindidi ezininzi zezisombululo ezahlukeneyo zikhoyo ukuba ukhethe, unokwenza ukuthenga okukodwa apha. Kwaye iiodolo ezilungiselelweyo zamkelekile. Ishishini lokwenyani kukufumana imeko yokuphumelela, ukuba kunokwenzeka, singathanda ukunikezela ngenkxaso eyongezelelweyo kubathengi. Wamkelekile bonke abathengi abalungileyo banxibelelana ngeenkcukacha zezisombululo nathi!!

-AAA Ukuboleka

Umzi-mveliso unezixhobo eziphambili, abasebenzi abanamava kunye nenqanaba lolawulo olulungileyo, ngoko umgangatho wemveliso wawunesiqinisekiso, le ntsebenziswano ikhululekile kwaye yonwabile!
Iinkwenkwezi ezi-5

Ngu-Eudora ovela eHamburg - 2017.08.16 13:39

Abaphathi banombono, banombono weenzuzo ezifanayo, ukuphuculwa okuqhubekayo kunye nokutsha, sinencoko emnandi kunye neNtsebenziswano.
Iinkwenkwezi ezi-5

NguNicci Hackner ovela eAtlanta - 2017.06.19 13:51