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

Ukuzulazula kumhlaba wokubambisa kunokuba nzima, kodwa i-AAA LENDINGS iyenza lula inkqubo, iyenze ibandakanyeke kwaye ingabinaxinzelelo. Sinikezela ngenkqubo yokuqokelela amaxwebhu ecacileyo nemfutshane, ekuvumela ukuba ulayishe ngokulula amaphepha afunekayo kwi-intanethi. Sazi kakuhle ukuba ixesha lakho lixabisekile, kwaye ngokwenza inkqubo ibe lula, sikugcina uxakekile kwaye ulawula uhambo lwakho lokuboleka imali.Umbhali ophantsi weDesktop olungileyo,Easy House Mortgage Loan,Imida yeMali-mboleko eQhelekileyo yowama-2021, Siyaqonda ukuba ubuninimzi lutyalo-mali olubalulekileyo, kwaye ufuna ukuqiniseka ukuba wenza ukhetho olufanelekileyo. Yiyo loo nto sinikezela ngeenkonzo zokuvunywa kwangaphambili ezibamba umdla wakho. Inkqubo yethu yokuvunywa kwangaphambili ikhawuleza kwaye ithe ngqo, ikubonelela ngomfanekiso ocacileyo wesakhono sakho sokuboleka. Ngolu lwazi esandleni, unokuphonononga ngokuzithemba imarike yezindlu nomhlaba, usazi ukuba ungumthengi ozimiseleyo kwaye ofanelekileyo.

– 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:

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. - I-AAA yokuboleka i-Non-QM ye-Asset eQinisekisiweyo ngokuLula ukhetho kuphela - i-ATR-In-Full - AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Bulgaria, Australia, Hungary, Samkela ngokufudumeleyo abathengi basekhaya nabaphesheya ukuba batyelele inkampani yethu kwaye babe nentetho yezoshishino. Inkampani yethu ihlala igxininisa kumgaqo womgangatho olungileyo, ixabiso elifanelekileyo, inkonzo yodidi lokuqala. Sizimisele ukwakha intsebenziswano yexesha elide, enobuhlobo kunye nenzuzo macala nawe.

-AAA Ukuboleka

Umzi-mveliso unokuhlangabezana ngokuqhubekayo nokuphuhlisa iimfuno zezoqoqosho kunye nezentengiso, ukuze iimveliso zabo ziqatshelwe kwaye zithembeke, kwaye yiyo loo nto sikhethe le nkampani.
Iinkwenkwezi ezi-5

Ngu-EliecerJimenez waseMombasa - 2017.05.02 11:33

Abasebenzi bezobugcisa befektri abanalo kuphela izinga eliphezulu lobuchwepheshe, inqanaba labo lesiNgesi lihle kakhulu, oku luncedo olukhulu kunxibelelwano lweteknoloji.
Iinkwenkwezi ezi-5

NguMelissa waseMozambique - 2017.02.28 14:19