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

Iinkcukacha zeMveliso

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.Umsunguli weMali-mboleko,Isiqhelo Vs Fha Loan,Ukulibaziseka kwezeMali, Kwi-AAA LENDINGS, siphuma kwisihlwele sababolekisi bezindlu ngokubeka phambili ukuguquguquka kunye nokulungelelanisa kwindlela yethu. Siyaqonda ukuba imeko yezemali yomboleki yohlukile, kwaye sixhotyiswe ngokupheleleyo ukwenza izisombululo ezilungiselelwe iimfuno zakho ezithile. Nokuba ungumthengi wokuqala wezindlu, usomashishini otyali zindlu, okanye ujonge ukubonelela ngokutsha, iqela lethu leengcaphephe lilapha ukukukhokela kubugocigoci benkqubo yokubambisa. Sikholelwa ukuba ukubolekwa kwezindlu akufuneki kube yinto elinganayo yonke into, kwaye yiloo nto esenza sahluke.

– 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-80% 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:

Kubathengi bethu abaninzi, i-mortgage ingaphezulu nje kwentengiselwano yezemali; linyathelo elibalulekileyo ebomini. Nokuba ungumthengi wokuqala wezindlu okanye ungumtyali zindlu onamava, sisondela kwisicelo ngasinye ngenkathalo nengqalelo esiyifaneleyo. Sithatha ixesha lokuqonda iinjongo kunye neminqweno yakho, siqinisekisa ukuba imali yakho yokubambisa ihambelana nombono wakho wekamva lakho. – I-AAA Lendings Non-QM Interested Programme – I-Diamond Jumbo (Efanayo ne-Conventional Loan) – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, njenge: Italy, Madagascar, Algeria, Sithatha ithuba lomsebenzi wamava, ulawulo lwezenzululwazi kunye nezixhobo eziphambili, ukuqinisekisa umgangatho wemveliso wemveliso, asizukuphumelela kuphela ukholo lwabathengi, kodwa nokwakha uphawu lwethu. Namhlanje, iqela lethu lizibophelele ekuveliseni izinto ezintsha, kunye nokukhanya kunye nokudibanisa ngokuziqhelanisa rhoqo kunye nobulumko obubalaseleyo kunye nefilosofi, sibonelela ngemfuno yentengiso yeemveliso eziphezulu, ukwenza iimveliso zobungcali.

-AAA Ukuboleka

Impendulo yabasebenzi benkonzo yabathengi inengqiqo kakhulu, eyona nto ibalulekileyo kukuba umgangatho wemveliso ulungile kakhulu, kwaye upakishwe ngononophelo, uthunyelwa ngokukhawuleza!
Iinkwenkwezi ezi-5

NguPhoebe ovela eMontpellier - 2018.06.18 17:25

Eli shishini kushishino lomelele kwaye liyakhuphisana, liqhubela phambili namaxesha kwaye liphuhlise ukuzinzileyo, siyavuya kakhulu ukuba sibe nethuba lokusebenzisana!
Iinkwenkwezi ezi-5

Ngu-Ophelia ovela eFrankfurt - 2017.02.18 15:54