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Iziko leMveliso

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.Ipropati yeRenti,Amaxwebhu apheleleyo,Imisebenzi yoMboleki yoRhwebo, Umba obalulekileyo wokutsala umdla wakho sisantya onokufikelela ngaso kulwazi olubalulekileyo lwe- mortgage. Iwebhusayithi yethu ineziko lolwazi, elihlaziywa rhoqo ngamanqaku kuluhlu olubanzi lwezihloko ezinxulumene ne-mortgage. Ukusuka ekuqondeni amanqaku entengo yetyala ukuya ekunciphiseni iindleko zokuvala, ezi zixhobo ziyilelwe ukubandakanya kunye nokukufundisa ngesantya sakho, ukwenza uhambo lwakho lube nomdla ngakumbi kwaye lube nolwazi.
– I-AAA yokuBoleka kweNkqubo eNgenamdla we-QM – i-Diamond Jumbo (Efana neMali-mboleko yeSiqhelo) – Iinkcukacha ze-AAA zokuBoleka:

Ayinasihloko-8

Isishwankathelo

Diamond Jumbo, kubaboleki abangakwaziyo ukwenza Non-arhente Jumbo. Imali-mboleko eyongezelelekileyo/ iDTI ePhezulu/ i-LTV ePhezulu/ iipropati ezixhaswa ngemali engenamkhawulo.

Iinkcukacha

1) Ubuninzi be-DTI ngama-55%;
2) Ukuya kuthi ga kwi-4M yemali-mboleko;
3) Ukuya kuthi ga kwi-90% LTV;
4) Akukho MI (i-Inshurensi ye-Mortgage);
5) 660 okanye amanqaku aphezulu ekhredithi;
6) iinyanga ezi-6 okanye ngaphezulu zogcino;
I-7) imbuyekezo yerhafu yonyaka we-1 iyafumaneka.

Yintoni le nkqubo?

Ngaba ukhe wadibana nemeko engezantsi?
• Umbolekisi akanakho ukuvumela isicelo sakho semali-mboleko ephezulu?
• Ngaba awukwazi ukufikelela kwi-LTV ephakamileyo oyifunayo?
• Ngaba ababolekisi bejumbo abangayiyo i-arhente abanakho ukukunika imali-mboleko yokuphuma?
• Ingaba umbolekisi ebefuna ukuba uthenge i-MI(Mortgage Insurance)?
Ukuba ukhe wadibana nezi meko iintloni, ngoko akukho nkxalabo. Ababolekisi be-non-QM nabo baneenkqubo ezinjalo, ezifanayo neemali mboleko ze-arhente. Nangona kunjalo, ababolekisi be-Non-QM abanemveliso yemali-mboleko ye- {Full Docs} banemida esezantsi kakhulu kuneemveliso zemboleko zamaxwebhu apheleleyo. Unokhetho olungcono ngoku. Inqaku elinye elingundoqo onokuthi ulikhathalele kukuba: Ungafaka isicelo sale nkqubo kuphela ukuba awukwazi ukufumana imali-mboleko ye-FNMA okanye ye-FHMLC.

Uthini umahluko wale nkqubo ye-Non-QM yoXwebhu oluPheleleyo kunye nenkqubo egcweleyo yokufaneleka?

Ngokubanzi, uninzi lwabafaki-zicelo banokufaka isicelo semali-mboleko yesiqhelo yeJumbo ngenjongo yemali-mboleko ephezulu. Nangona kunjalo, kumava ethu, inkqubo yeJumbo eqhelekileyo akulula ukuyivala. Inkqubo ineemfuno ezithintelweyo kunemali mboleko ye-arhente, kwaye inexesha elide lokujika ngokunjalo.

Nangona kunjalo, phantsi kweemeko ezithile, abafaki-zicelo abanakufaneleka okanye baqhubeke nenkqubo yeJumbo eqhelekileyo, ngenxa yoko banokwenza kuphela imveliso engeyiyo ye-QM, ukwanelisa injongo yabo, njengemali-mboleko ephezulu/ Imali-mboleko/ i-LTV/ Amanqaku etyala, njl.

UXwebhu lwethu lweNgeniso ePheleleyo yeNgeniso ye-QM luyafumaneka kubaboleki abanemali-mboleko ye-jumbo kunye neemali-mboleko ezihambelanayo eziwela ngaphandle nje kweeparameter ze-Qualified Mortgages. Iimali-mboleko kule nkqubo kufuneka zingafanelanga ukuthengiswa kuyo nayiphi na i-Arhente kaRhulumente.

Ziziphi iingenelo?

Emva kokufunda la magama angasentla, nasi isishwankathelo sezibonelelo zolwazi lwakho:

Isixa-mali semali-mboleko ephezulu, kakhulu kunemali-mboleko ye-arhente;
Umlinganiselo ophezulu we-DTI, imida ephantsi;
Akukho MI (i-Inshurensi ye-Mortgage) efunekayo;
Ukukhupha imali kuvumelekile;
I-LTV ephezulu, ephezulu kunemali mboleko ye-arhente.

Imifanekiso yeenkcukacha zemveliso:

-AAA Ukuboleka kweNkqubo eNcedayo eNgena-QM - I-Diamond Jumbo (Efanayo neMali-mboleko yeSiqhelo) - I-AAA yokuBoleka imifanekiso yeenkcukacha

IsiKhokelo seMveliso esiNxulumeneyo:
Ixesha lakho lixabisekile, kwaye siyayihlonipha loo nto. Kwa-AAA LENDINGS, sizibophelele ekulungiseni inkqubo ye- mortgage ukukongela ixesha kunye nomzamo. Usetyenziso lwethu lwe-intanethi lusebenziseka lula kwaye luyilwe ngokulula kwakho engqondweni. Ungasigqibezela isicelo ngesantya sakho, ukusuka kwintuthuzelo yekhaya lakho okanye iofisi. Siyazi ukuba unobomi obuxakekileyo, kwaye sijonge ukwenza inkqubo yokubambisa ibandakanyeke, isebenze kakuhle, kwaye igcine ixesha. – I-AAA yokuboleka iNkqubo eNgenamdla we-QM – i-Diamond Jumbo (Efanayo neMali-mboleko yeSiqhelo) – I-AAA yokuBoleka imali, Imveliso iya kubonelela kwihlabathi liphela, njenge: Morocco, Hyderabad, Turkmenistan, Dala iMimiselo, Ukukhonza uMthengi! yinjongo esiyisukelayo. Sithemba ngokunyanisekileyo ukuba bonke abathengi baya kuseka ixesha elide kunye nentsebenziswano enenzuzo ngokufanayo nathi.Ukuba unqwenela ukufumana iinkcukacha ezithe kratya malunga nenkampani yethu, Kufuneka uqhagamshelane nathi ngoku!
    • Umphathi weakhawunti yenkampani unobutyebi bolwazi kunye namava eshishini, unokubonelela ngenkqubo efanelekileyo ngokweemfuno zethu kwaye athethe isiNgesi ngokutyibilikayo.
    Iinkwenkwezi ezi-5Ngetobin evela eRio de Janeiro - 2017.08.18 18:38
    Isimo sengqondo sentsebenziswano somthengisi sihle kakhulu, sihlangabezane neengxaki ezahlukahlukeneyo, sihlala sikulungele ukusebenzisana nathi, kuthi njengoThixo wokwenene.
    Iinkwenkwezi ezi-5NguGustave ovela eManila - 2017.12.09 14:01

    EzinxulumeneyoIIMVELISO

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