IWholesele - iAAA yokuBoleka iNkqubo eNgenamdla we-QM – i-Diamond Jumbo (Efanayo neMali-mboleko yeSiqhelo) – i-AAA ebolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

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.Umsunguli weMali-mboleko,Iinketho zeMali-mboleko eziqhelekileyo,Uluhlu lwababolekisi, Kwi-AAA LENDINGS, sisebenza phantsi kwenkolelo eqinileyo yokuba 'Akukho mboleko ayinakwenzeka.' Le nkolelo ingamandla aqhuba imisebenzi yethu kwaye iqulethwe kwimotto yethu, Unako UkuNceda, Ngamaxesha Onke. Ifaka eyona nto ibalulekileyo yohlobo lwethu lwe-AAA. Siyaqonda ukuba abathengi abahlukeneyo kunye neemeko ezahlukeneyo zokuboleka zifuna izisombululo ezizodwa, kwaye sikulungele ngokupheleleyo ukubabonelela.

– 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:

IsiKhokelo seMveliso esiNxulumeneyo:

Siyaqonda ukuba i-mortgage ayikho nje intengiselwano yezemali kodwa sisigqibo esibalulekileyo sobomi. Ugqaliselo lwethu ekugxilweni komthengi kuthetha ukuba asiwathatheli ngqalelo amanani kuphela; siqwalasela ibali lakho elilodwa, iminqweno, kunye neenjongo zemali. Iingcali zethu zokuboleka imali zithatha ixesha lokuqonda uhambo lwakho lobuqu, ziqinisekisa ukuba ufumana isisombululo semali mboleko ehambelana nombono wakho wekamva. - I-AAA yokubolekwa kwe-AAA yeNkqubo enomdla ye-Diamond Jumbo (Efanayo kunye neMali-mboleko yeSiqhelo) - I-AAA yokubolekwa kwemali , Imveliso iya kubonelela kulo lonke ihlabathi, njenge: Philippines, Hyderabad, Comoros, Ukuthobela umgaqo woShishino kunye nokuFumana iNyaniso, ukuchaneka kunye noBumbano, kunye neteknoloji ezinikeleyo njengeyona nto iphambili ekuboneleleni ngexabiso eliphezulu leemveliso, iteknoloji ezinikeleyo ekunikezeni imveliso engundoqo, iteknoloji enikezela ngexabiso eliphezulu. kunye nenkonzo ecokisekileyo emva kokuthengisa. Sikholelwa ngokuqinileyo ukuba: sibalasele njengoko sikhethekileyo.

-AAA Ukuboleka

Umphathi wemveliso ngumntu oshushu kakhulu kwaye oqeqeshiweyo, sinencoko emnandi, kwaye ekugqibeleni safikelela kwisivumelwano sokuvumelana.
Iinkwenkwezi ezi-5

NguKaren ovela eAnguilla - 2017.08.16 13:39

Le nkampani ineendlela ezininzi esele zenziwe ukuba zikhethe kwaye inokwenza inkqubo entsha ngokwemfuno yethu, emnandi kakhulu ukuhlangabezana neemfuno zethu.
Iinkwenkwezi ezi-5

Ngo-Dawn ukusuka eMorocco - 2018.02.12 14:52