IWholesele - i-AAA yokuBoleka i-Non-QM Non-DTI ratio Programme – Ukupheliswa kwee-Asethi (I-Asethi Kuphela) – i-AAA ebolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke.I-Mortgage Broker Vs Bank,Ababolekisi abaPhezulu bezindlu ngoMqulu wama-2021,Inkqubo yeNkcazo yeBhanki, Xa kufikwa kukwaneliseka kwabathengi, asihlangani nje nolindelo; siyabodlula. Iqela lethu lizimisele ukubonelela ngenkxaso engenakulinganiswa nanto kulo lonke uhambo lwakho lokubambisa. Sabela amagosa emboleko azinikeleyo afikelelekayo kwaye athathele ingqalelo, siqinisekisa ukuba ufumana uncedo olulolwakho ukusuka kumbuzo wokuqala ukuya kwitheyibhile yokuvala. Sikholelwa ukuba ngokuhamba imayile eyongezelelweyo kunye nokubonelela ngenkonzo ekhethekileyo, asitsali nje kuphela kodwa sigcina abathengi abonelisekileyo ababa ngabaxhasi bethu babalulekileyo.

– Ukubolekwa kwe-AAA Non-QM Non-DTI ratio Programme – Ukupheliswa kwe-Asethi (I-Asethi Kuphela) – Iinkcukacha ze-AAA zokuBoleka:

Ayinasihloko-2

Isishwankathelo

Ayingabo bonke ababoleki abangena kakuhle kwiibhokisi ezifunwa ngababolekisi bemveli. Abanye ababoleki ngabatyali-mali, abaziqeshileyo, oosomashishini, abadla umhlala-phantsi, okanye baphila nje ngotyalo-mali lwabo. Bangabantu abanoxanduva lwezemali, kodwa basenokungabi nayo imithombo yengeniso enokuchazwa ngokulula.

Iinkqubo ze-AAA zokubolekwa kwe-Asset ye-Mortgage zivumela ezi ntlobo zababoleki ukuba basebenzise ii-asethi zabo zobuqu kunye nezoshishino njengendlela yokufaneleka kwi-mortgage yendlu.

Iimbalasane zeNkqubo

1) Ukuya kuthi ga kwi-2.5M yemali-mboleko;
2) Ukuya kuthi ga kwi-80% LTV;
3) Umlinganiselo we-DTI yi-50%;
4) Ukukhupha imali kwamkelekile;
5) Ulwazi lwezengqesho alufunwa kwisicelo semali-mboleko;

Yintoni Ukupheliswa kweAsethi?

• Ngaba umsebenzi wakho okanye umvuzo wakho awuphumelelanga ukuze ube nelungelo lokubolekwa imali-mboleko?
• Ingaba une-asethi eyaneleyo kwiakhawunti yakho?
• Ngaba usanda kuthengisa ipropati kwaye ufuna ukuthenga enye indlu?
• Awufuni ukubonelela ngeendidi zamaxwebhu engeniso?
• Ngaba uyazibuza ukuba ababolekisi bayayivuma njani imali-mboleko yakho ngaphandle kokuqwalasela umlinganiselo we-DTI?

Ukuchithwa kwe-Asethi/ Ukusetyenziswa kunceda aba bafaki-zicelo xa ukuloo meko. Yinkqubo eqhelekileyo engeyiyo ye-QM, ekwabizwa ngokuba “yi-asethi kuphela”. Ababoleki akufuneki banikezele ngalo naluphi na ulwazi lwengqesho okanye amaxwebhu engeniso xa befaka isicelo sokuThitywa kweAsethi.
Isenokusetyenziswa njengokuphela komthombo wengeniso yesiqinisekiso semali-mboleko okanye ukongeza eminye imithombo yengeniso. Ezona mfuno zisezantsi ze-asethi phantsi kwendlela yokufaneleka ziyayekwa xa zisetyenziselwa ukongeza eminye imithombo yengeniso, .

IiNzuzo zokuVimba kweAsethi

1) Akukho mfuneko yokubonelela ngawo nawaphi na amaxwebhu engeniso;
2) Iprayimari kuphela;
3) Amaxwebhu amancinci;
4) Kulula ukufaneleka.

IiMfuno zeAsethi

Ii-asethi kufuneka zibe yi-liquid kwaye zifumaneke ngaphandle kwesohlwayo; amaxwebhu awongezelelweyo angacelwa ukuqinisekisa imvelaphi yemali:
• I-100% yeeAkhawunti zokuTsheka, ezoLondolozo, kunye neMarike yeMali;
• I-70% yeeMpahla, iiBond, kunye neeNgxowa-mali zoMthendeleko;
• I-70% yee-Asethi zoMhlala-phantsi: Ifanelekile ukuba lowo ubolekayo ukwiminyaka yokuthatha umhlala-phantsi (ubuncinci ngama-59 ½);
• I-60% yee-asethi zoMhlala-phantsi: Ifanelekile ukuba umboleki akakho kwiminyaka yokuthatha umhlala-phantsi.

Ii-asethi ezingavumelekanga

Kule nkqubo, ababoleki banokukhathalela imida engaphantsi. Iintlobo ezininzi ze-asethi azinakusetyenziswa:

• I-Equity kwi-Real Estate;
• Izitokhwe ezirhwebayo okanye ezithintelweyo/ezingezizo;
• Naziphi na ii-asethi ezivelisa ingeniso esele zibandakanyiwe kubalo lwengeniso:
• Naziphi na ii-asethi ezisegameni leshishini.

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke. – I-AAA yokubolekwa kwe-Non-QM ye-Non-DTI ratio Programme - Ukuchithwa kwe-Asethi (I-Asethi kuphela) - I-AAA yokuBoleka , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Bangladesh, Luxembourg, Bahamas, Sikwabonelela ngenkonzo ye-OEM ejongene neemfuno zakho kunye neemfuno. Ngeqela elinamandla leenjineli ezinamava kuyilo lwe-hose kunye nophuhliso, sixabisa onke amathuba okubonelela ngeemveliso ezingcono kunye nezisombululo kubathengi bethu.

-AAA Ukuboleka

Emva kokusayinwa kwekhontrakthi, sifumene iimpahla ezanelisayo kwixesha elifutshane, lo ngumenzi oncomekayo.
Iinkwenkwezi ezi-5

NguGloria waseGuatemala - 2017.01.28 18:53

Umgangatho wemveliso ulungile, inkqubo yokuqinisekisa umgangatho igqityiwe, yonke ikhonkco inokubuza kunye nokusombulula ingxaki ngexesha elifanelekileyo!
Iinkwenkwezi ezi-5

NguMateyu ovela eAlbania - 2018.09.08 17:09