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

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:
Kwihlabathi lemboleko-mali yokubambisa, ukufikeleleka ngundoqo. Iqonga lethu le-digital mortgage liyilwe ngokulula kwakho engqondweni. Ungafaka isicelo semali mboleko, ulayishe amaxwebhu, kwaye ulandelele inkqubela yakho yemali mboleko kwi-Intanethi, konke ukusuka kubutofotofo bekhaya lakho. Senze amava edijithali abandakanyekayo akubeka kulawulo, eqinisekisa ukuba ungasilawula isicelo sakho semali mboleko ngesantya sakho, 24/7. – AAA Lendings Non-QM Non-DTI ratio Programme – Asset Depletion (Asset Only) – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, njenge: Los Angeles, South Korea, Burundi, Njengendlela yokusebenzisa ubutyebi kulwazi olwandisiweyo kunye neenyaniso kurhwebo lwamazwe ngamazwe, siyakwamkela amathemba avela kuyo yonke indawo kwiwebhu nakwi-intanethi. Ngaphandle kweemveliso ezikumgangatho ophezulu esizinikezelayo, inkonzo yothethwano esebenzayo neyanelisayo inikezelwa liqela lethu lenkonzo yeengcali emva kokuthengisa. Uluhlu lwesisombululo kunye neeparitha ezineenkcukacha kunye naluphi na olunye ulwazi lwe-weil luthunyelwa kuwe kwangethuba malunga nemibuzo. Ke nceda uqhagamshelane nathi ngokusithumelela ii-imeyile okanye uqhagamshelane nathi ukuba unayo nayiphi na inkxalabo malunga nefemu yethu. Unokufumana ulwazi lwedilesi yethu kwiwebhusayithi yethu kwaye uze kwishishini lethu. okanye uphando lwendawo yezisombululo zethu. Siqinisekile ukuba siza kwabelana ngeziphumo ezifanayo kwaye sakhe ubudlelwane obuqinileyo bentsebenziswano kunye namaqabane ethu kule marike. Sijonge phambili kwimibuzo yakho.
Ngu-Ella waseMexico - 2018.06.18 17:25 Umphathi weakhawunti yenkampani unobutyebi bolwazi kunye namava eshishini, unokubonelela ngenkqubo efanelekileyo ngokweemfuno zethu kwaye athethe isiNgesi ngokutyibilikayo.
NguRigoberto Boler waseJapan - 2018.08.12 12:27 





