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.Ababolekisi abaPhezulu bezindlu ngoMqulu wama-2021,Ngaba uya kuboleka,Adjustable Rate Mortgage, Iinjongo zakho zemali zizodwa, kwaye sikholelwa ukuba imali-mboleko yakho kufuneka ibonise oko. Kwi-AAA LENDINGS, sibonelela ngeendlela ezahlukeneyo zokuboleka imali, nganye ilungiselelwe iimeko ezahlukeneyo zemali. Nokuba ungumtsha ochwephesha oselula ofuna ikhaya lakho lokuqala, usapho olukhulayo oludinga indawo ethe chatha, okanye usomashishini onolwazi owandisa ipotfoliyo yezindlu nezindlu, sineenkqubo zemboleko eziyilelwe ukuhlangabezana neemfuno zakho ezithile. Siyaqonda ukuba uhambo lwakho lwezemali lwahlukile, kwaye izisombululo zethu zokubambisa zenzelwe ukukugcina ubandakanyekile kwaye uchulumancile ngekamva lakho.

– 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:

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 Lendings Non-QM Interested Programme – I-Diamond Jumbo (Efanayo neMali-mboleko eqhelekileyo) – I-AAA yokubolekwa kwemali , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Philippines, kazan, Denver, Ukubonelela ngeMveliso yoMgangatho, iNkonzo eNgqwesileyo, amaxabiso aKhuphisanayo kunye nokuhanjiswa ngokukhawuleza. Iimveliso zethu zithengisa kakuhle kwiimarike zasekhaya nezangaphandle. Inkampani yethu izama ukuba ngababoneleli ababalulekileyo eTshayina.

-AAA Ukuboleka

Sisebenzisana nale nkampani iminyaka emininzi, inkampani ihlala iqinisekisa ukuhanjiswa kwangexesha, umgangatho olungileyo kunye nenani elichanekileyo, singamaqabane alungileyo.
Iinkwenkwezi ezi-5

Ngu-Sahid Ruvalcaba waseNigeria - 2017.05.02 18:28

Umphathi wentengiso unomonde kakhulu, sanxibelelana malunga neentsuku ezintathu ngaphambi kokuba sigqibe ekubeni sisebenzisane, ekugqibeleni, sanelisekile kakhulu ngale ntsebenziswano!
Iinkwenkwezi ezi-5

NguEthan McPherson waseProvence - 2017.09.16 13:44