IWholesele - Inkqubo eBolekayo ye-AAA engeyiyo ye-QM enomdla – Uxwebhu olupheleleyo – i-AAA ebolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

Ukwenziwa kwezinto elubala kungundoqo wemisebenzi yethu. Siyazingca ngonxibelelwano lwethu oluvulekileyo nolunyanisekileyo kunye nabathengi bethu. Akukho ntlawulo ifihliweyo, akukho nto imangalisayo. Sinikezela ngolwazi olucacileyo, olucacileyo malunga neendlela zakho zokubambisa, siqinisekisa ukuba unazo zonke iinyani zokwenza izigqibo ezizizo. Injongo yethu kukwakha intembeko kubathengi bethu ngokuthetha phandle nangokuphandle, ukwenza amava akho enkxaso-mali ekhaya agudiseke kangangoko.Ababolekisi abaPhezulu bezindlu ngoMqulu wama-2021,Top Mortgage Banks,Iindleko zokuvala, Siyaqonda ukuba i-creditworthiness ingaba yinkxalabo kubaboleki abaninzi. Yiyo loo nto sinikezela ngeenkonzo zokucebisa ngetyala ukuze sikuncede uphucule amanqaku akho kwaye ukhusele imiqathango engcono yemboleko. Ngokubonelela ngezimvo ezixabisekileyo kunye nesikhokelo esilungiselelweyo, sijonge ekubandakanyweni abo banokuba ngababoleki abanokuthi ekuqaleni bangaqinisekanga malunga nokufaneleka kwabo. Silapha ukukuxhobisa ukuba ulawule ikamva lakho lezemali.

– AAA Ukuboleka Inkqubo Non-QM abanomdla – Uxwebhu olugcweleyo – AAA IiNkcukacha zokuBoleka:

Isihloko-FD

Isishwankathelo

I-Doc epheleleyo, kubaboleki abangakwaziyo ukwenza i-Non-agency Jumbo. Isixa-mali semali-mboleko engaphezulu/i-DTI ePhezulu/i-LTV ePhezulu/ iipropati ezixhaswa ngemali engasikelwanga mda.

Iimbalasane zeNkqubo

1) Ubukhulu. I-DTI 55%;
2) Ukuya kuthi ga kwi-4M yeMali yeMali-mboleko;
3) Ukuya kuthi ga kwi-80% LTV;
4) Akukho MI (i-Inshurensi ye-Mortgage);
5) 660 okanye ngaphezulu Credit Score;
6) iinyanga ezi-6 okanye ngaphezulu koovimba;
I-7) imbuyekezo yerhafu yonyaka we-1.

Ngowuphi umahluko phakathi kwe-Non-QM Full Doc kunye neNkqubo yoQeqesho olupheleleyo?

Ngokubanzi, uninzi lwabafaki-zicelo banokufaka isicelo semali-mboleko yesiqhelo yeJumbo ngenjongo yemali-mboleko ephezulu. Nangona kunjalo, kumava ethu, inkqubo yeJumbo eqhelekileyo akulula ukuyivala.

Nangona kunjalo, phantsi kweemeko ezithile, abafaki-zicelo abanakufaneleka okanye baqhubeke nenkqubo yeJumbo eqhelekileyo, ngenxa yoko banokwenza kuphela imveliso engeyiyo ye-QM ukwanelisa injongo yabo, njengesixa-mali semali-mboleko ephezulu/ Imali-mali ephumayo/ 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.

Izibonelelo ze-Full Doc

1. Imali-mboleko ephezulu kunemali-mboleko ye-arhente;
2. Umlinganiselo ophezulu we-DTI, imida ephantsi;
3. Akukho MI (i-Inshurensi ye-Mortgage) efunekayo;
4. Ukukhupha imali kuvumelekile;
5. I-LTV ephezulu kunemali-mboleko ye-arhente.

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

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. – AAA Lendings Non-QM Interested Programme – Full Doc – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, njenge: Comoros, Latvia, Lisbon, Sibeka umgangatho wemveliso kunye neenzuzo zomthengi kwindawo yokuqala. Abathengisi bethu abanamava babonelela ngokukhawuleza nangenkonzo esebenzayo. Iqela lolawulo lomgangatho liqinisekisa olona mgangatho ubalaseleyo. Sikholelwa ukuba umgangatho uvela kwiinkcukacha. Ukuba unemfuno, sivumele sisebenzisane ukuze sifumane impumelelo.

-AAA Ukuboleka