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

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.IMida yeMali-mboleko yeDti yeSiqhelo yowama-2021,Mortgage Broker Intsingiselo,Umbolekisi we-Mortgage oneRhafu ePhantsi, Njengeqabane lakho le- mortgage, sinikezela ngaphezu kweemali-mboleko; sinikezela uluntu. I-AAA LENDINGS izinikele ekudaleni imvakalelo yokuba ngabaxumi bethu. Iqonga lethu le-intanethi libonisa iiforam kunye neengxoxo apho unokunxibelelana nabanye abantu ababolekayo, wabelane ngamava, kwaye ufune iingcebiso. Le ndlela iqhutywa luluntu ikhuthaza indawo ebandakanyayo apho unokufumana khona inkxaso, ukuqonda, kunye nenkuthazo njengoko ujonga indlela eya kubunini-khaya.

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

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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 lomsebenzi 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 yesiqinisekiso 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 kufuneka baqaphele imida engezantsi. 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 Lendings Non-QM Non-DTI ratio Programme – Asset Depletion (Asethi Kuphela) – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, njenge: Auckland, Madras, Mauritius, Sibambelela kwi-mission ethembekileyo, esebenzayo, esebenzayo yokuwina-win kunye nefilosofi yoshishino ejoliswe ngabantu. Umgangatho ogqwesileyo, ixabiso elifanelekileyo kunye nokwaneliseka kwabathengi zihlala zilandelwa! Ukuba unomdla kwizinto zethu, zama nje ukunxibelelana nathi ngeenkcukacha ezithe kratya!

-AAA Ukuboleka

Umgangatho weemveliso ulungile kakhulu, ngakumbi kwiinkcukacha, unokubonwa ukuba inkampani isebenza ngokukhutheleyo ukwanelisa umdla womthengi, umthengisi olungileyo.
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