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

Kwi-AAA LENDINGS, sikholelwa ekubuyiseleni abathengi bethu abaxabisekileyo. Yiyo loo nto sinikezela ngenkqubo yokunyaniseka ekuvuza ngokuthemba kwakho kunye nentsebenziswano eqhubekayo nathi. Inkqubo yethu yokunyaniseka yenzelwe ukukugcina ubandakanyekile kwaye uxatyiswe, ibonelela ngezibonelelo ezikhethekileyo kunye nezaphulelo kubathengi bethu ababuyayo. Ukuzibophelela kwakho kwi-AAA LENDINGS kuqondwa kwaye kuvuzwa, kwaye sizama ukwenza umdla wakho oqhubekayo kwiinkonzo zethu ube ngamava anomvuzo.Ababolekisi abaPhezulu be-Mortgage,Uninzi loMbolekisi we-Mortgage yobuNgcali,Top Virginia Mortgage ababolekisi, 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 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:

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. - Ukuboleka kwe-AAA engeyiyo ye-QM eLungelelekileyo ye-asethi kuphela ukhetho - ATR-In-Full - AAA Lendings , Imveliso iya kubonelela kwihlabathi liphela, njenge: UK, Ostriya, United States, Okwangoku, sakha kwaye sichitha imakethi yoonxantathu kunye nentsebenziswano yeqhinga ukuze sifezekise isixokelelwano sorhwebo sorhwebo olubanzi ukuze sandise imbonakalo yethu yentengiso eqaqambileyo. uphuhliso. Ifilosofi yethu kukudala iimveliso ezingabizi kakhulu kunye nezisombululo, ukukhuthaza iinkonzo ezigqibeleleyo, ukusebenzisana kwixesha elide kunye neenzuzo ezifanayo, ukuqinisa imowudi enzulu yenkqubo yababoneleli abagqwesileyo kunye neearhente zentengiso, inkqubo yokuthengisa yentsebenziswano yeqhinga lophawu.

-AAA Ukuboleka

Sizibandakanye kolu shishino iminyaka emininzi, siyasixabisa isimo sengqondo somsebenzi kunye nomthamo wemveliso wenkampani, lo ngumenzi ohloniphekileyo kunye nonobuchule.
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