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

Ukwenziwa kwezinto elubala kungundoqo wemisebenzi yethu. Siyazingca ngonxibelelwano lwethu oluvulekileyo nolunyanisekileyo kunye nabathengi bethu. Akukho ntlawulo ifihliweyo, akukho nto imangalisayo. Sinikezela ngolwazi olucacileyo, olucacileyo malunga neendlela zakho zokubambisa, siqinisekisa ukuba unazo zonke iinyani zokwenza izigqibo ezizizo. Injongo yethu kukwakha intembeko kubathengi bethu ngokuthetha phandle nangokuphandle, ukwenza amava akho enkxaso-mali ekhaya agudiseke kangangoko.I-Arizona Mortgage Broker okanye uMboleki,I-La Mortgage Broker okanye uMbolekisi,Iindleko zokuvala iMali-mboleko eqhelekileyo, Njengenxalenye yokuzibophelela kwethu ukuhlala phambili kwishishini, sityala imali eninzi kwi-teknoloji ye-cutting-edge ukuze silungelelanise isicelo se-mortgage kunye nenkqubo yokuvunywa. Oku akukhawulezisi kuphela inkqubo yesicelo kodwa kukubonelela ngohlaziyo lwexesha lokwenyani kwimeko yakho yokubambisa, kukunika uxolo lwengqondo kunye nokuphelisa ukungaqiniseki okuhlala kuza kunye nenkqubo yokuboleka imali. Indlela yethu eqhutywa bubuchwephesha ivumela ukuba sinikezele ngamava angenamthungo kwaye aluncedo, ukwenza uhambo lwakho lokuya kubaninimzi okanye ukubuyisela imali ngokufanelekileyo kangangoko kunokwenzeka.

– 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:

I-AAA LEENDINGs ayingombolekisi nje; siliqabane lakho lezemali. Sithatha ixesha lokumamela iinjongo zakho zemali kunye neminqweno, ukunika isikhokelo ngaphaya kwenkqubo yesicelo. Ukuzibophelela kwethu kwintlalontle yakho yezemali kudlulela ngaphaya kokuvalwa kwesivumelwano, kwaye sizinikele ekukuncedeni ufezekise iinjongo zakho zexesha elide, nokuba bubunini bezindlu, utyalo-mali lwezindlu nomhlaba, okanye ukuqinisa amatyala. -I-AAA yokubolekwa kwemali engeyiyo ye-QM eLula ngokuLulekayo kwi-asethi kuphela - i-ATR-In-Full - AAA Lendings , Imveliso iya kubonelela kwihlabathi liphela, njengale: Bangalore, Ireland, Rome, Ijonge ukukhula ibe ngoyena mthengisi unamava kweli candelo e-Uganda, sihlala siphanda ngenkqubo yokuyila kunye nokunyusa umgangatho ophakamileyo womthengisi wethu. Ukuza kuthi ga ngoku, uluhlu lwezinto ezithengiswayo luhlaziywa rhoqo kwaye lwatsala abathengi abavela kwihlabathi liphela. Iinkcukacha ezinzulu zinokufumaneka kwiphepha lethu lewebhu kwaye uya kubonelelwa ngenkonzo yomcebisi esemgangathweni liqela lethu emva kokuthengisa. Baza kwenza ukuba kwenzeke ukuba ufumane ulwazi olupheleleyo malunga nezinto zethu kwaye wenze uthethathethwano olwanelisayo. Amashishini amancinci jonga kumzi-mveliso wethu eUganda nawo angamkeleka nangaliphi na ixesha. Ndiyathemba ukufumana imibuzo yakho ukuze ufumane intsebenziswano eyonwabisayo.

-AAA Ukuboleka

Singabahlobo bakudala, umgangatho wemveliso yenkampani ubusoloko ulungile kwaye ngeli xesha ixabiso likwancinci kakhulu.
Iinkwenkwezi ezi-5

Ngu-Eleanore waseCyprus - 2018.05.22 12:13

Umphathi wentengiso unenqanaba elihle lesiNgesi kunye nolwazi olunobuchule lobuchwephesha, sinonxibelelwano oluhle. Uyindoda efudumeleyo neyonwabileyo, sinentsebenziswano emnandi kwaye saba ngabahlobo abakhulu ngasese.
Iinkwenkwezi ezi-5

NguKumkani ovela e-Austria - 2017.10.13 10:47