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

Iinkcukacha zeMveliso

Ukuzibophelela kwethu ekugqweseni nasekuzinikeleni kubathengi bethu kusiqhubele ekubeni sandise imisebenzi yethu kumazwe angama-45, kuquka iArizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwamanye. Nangona kunjalo, impumelelo yethu ayichazwanga kuphela ngamanani. Uphononongo oluninzi oluhle kunye nodumo olunamandla lokuthetha ngomlomo esilufumeneyo lusebenza njengobungqina bokuthenjwa kunye nentembeko ebekwe yintengiso kuthi.Dfpi Mortgage Umbolekisi,Zillow Top Ababolekisi beMortgage,Iphepha lexabiso, 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 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:

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 yokuboleka iNkqubo eNgenamdla we-QM – i-Diamond Jumbo (Efanayo neMali-mboleko eqhelekileyo) – i-AAA yokubolekwa kwemali , Imveliso iya kubonelela kwihlabathi liphela, njenge: Netherlands, isiFrentshi, iPortland, Njengomanyano lwezoqoqosho lwehlabathi oluzisa imingeni kunye namathuba kushishino lwe-xx, inkampani yethu , ngokuqhuba umsebenzi wethu weqela, umgangatho wokuqala, ukuveliswa kwezinto ezintsha kunye nokubonelela ngeemveliso zethu ngokwaneleyo, ukubonelela ngeemveliso zethu kunye nokubonelela ngeemveliso zethu ngokufanayo. ixabiso elikhuphisanayo kunye nenkonzo enkulu, kunye nokwakha ikamva eliqaqambileyo phantsi komoya ophezulu, okhawulezayo, onamandla kunye nabahlobo bethu kunye ngokuqhubeka nokuziphatha kwethu.

-AAA Ukuboleka

Njengomagqala weli shishini, sinokuthi inkampani inokuba yinkokeli kushishino, bakhethe kulungile.
Iinkwenkwezi ezi-5

NguAdela ovela eBorussia Dortmund - 2018.11.02 11:11

Abasebenzi banezakhono, baxhotyiswe kakuhle, inkqubo icacisiwe, iimveliso ziyahlangabezana neemfuno kwaye ukuhanjiswa kuqinisekisiwe, iqabane elingcono kakhulu!
Iinkwenkwezi ezi-5

NguHedda waseBelize - 2017.09.16 13:44