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

Siyaqonda ukuba i-mortgage ayikho nje intengiselwano yezemali kodwa sisigqibo esibalulekileyo sobomi. Ugqaliselo lwethu ekugxilweni komthengi kuthetha ukuba asiwathatheli ngqalelo amanani kuphela; siqwalasela ibali lakho elilodwa, iminqweno, kunye neenjongo zemali. Iingcali zethu zokuboleka imali zithatha ixesha lokuqonda uhambo lwakho lobuqu, ziqinisekisa ukuba ufumana isisombululo semali mboleko ehambelana nombono wakho wekamva.Isatifikethi se-Mortgage Broker,Imbali yeTyala,Ipesenti yeMali-mboleko eqhelekileyo, Kwa-AAA LENDINGS, siliqabane lakho ixesha elide. Iinkonzo zethu zasemva kokuvalwa ziyilelwe ukukugcina ubandakanyeka nasemva kokuba imali-mboleko yakho ikhuselwe. Sinikezela ngezibonelelo eziqhubekayo, ezinje ngeengcebiso zokulungisa ikhaya, isikhokelo sotyalo-mali, kunye nokutshekishwa kwe-mortgage ngamaxesha ukuqinisekisa ukuba iinjongo zakho zemali zisendleleni. Ubudlelwane bethu nawe abupheli ekuvaleni; kukuzibophelela okungapheliyo kwintlalontle yakho yezemali.

– 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 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:

Siyaqonda ukuba i-mortgage ayikho nje intengiselwano yezemali kodwa sisigqibo esibalulekileyo sobomi. Ugqaliselo lwethu ekugxilweni komthengi kuthetha ukuba asiwathatheli ngqalelo amanani kuphela; siqwalasela ibali lakho elilodwa, iminqweno, kunye neenjongo zemali. Iingcali zethu zokuboleka imali zithatha ixesha lokuqonda uhambo lwakho lobuqu, ziqinisekisa ukuba ufumana isisombululo semali mboleko ehambelana nombono wakho wekamva. - I-AAA yokuboleka i-Non-QM ye-Non-DTI ye-Program - Ukuchithwa kwe-Asethi (I-Asethi Kuphela) - I-AAA yokubolekwa kwemali , Imveliso iya kubonelela kwihlabathi lonke, njenge: New York, Mauritania, Romania, Inkampani yethu ineqela lokuthengisa elinobuchule, isiseko sezoqoqosho esomeleleyo, amandla amakhulu obugcisa, izixhobo eziphambili, iindlela zokuvavanya ezipheleleyo, kunye neenkonzo ezibalaseleyo emva kokuthengisa. Iimveliso zethu zinenkangeleko entle, zisetyenzwe kakuhle kunye nomgangatho ophezulu kwaye ziphumelela ukuvunywa ngamxhelo mnye kubathengi kwihlabathi liphela.

-AAA Ukuboleka

Umenzi usinike isaphulelo esikhulu phantsi kwesiseko sokuqinisekisa umgangatho weemveliso, enkosi kakhulu, siya kuphinda sikhethe le nkampani.
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