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

Isishwankathelo
Umboleki wathengisa ishishini labo lezigidi zeedola emva koko wafumana ikhaya lamaphupha abo kodwa wayengenamthombo wengeniso yokubhala.
Iinkcukacha
1) Ukuya kuthi ga kwi-2.5M yemali-mboleko;
2) Ukuya kuthi ga kwi-80% LTV;
3) Umlinganiselo we-DTI yi-50%;
4) I-Cash-out yamkelwe;
5) Akukho mfuneko yolwazi lwengqesho kwisicelo semali-mboleko;
6) I-asethi yahlulahlulwe ngama-84 okanye imiqathango yemali-mboleko esisigxina ukuze ufumane umvuzo ofanelekileyo lowo ubolekayo.
Yintoni inkqubo?
• 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 ukule meko. Yinkqubo eqhelekileyo engeyiyo ye-QM, ekwabizwa ngokuba “yi-asethi kuphela”. Awudingi ukuba unikeze naluphi na ulwazi lwengqesho kunye namaxwebhu engeniso xa ufaka isicelo sale nkqubo.
Isenokusetyenziswa njengokuphela komthombo wengeniso yesiqinisekiso semali-mboleko okanye ukongeza eminye imithombo yengeniso. Xa isetyenziselwa ukongeza eminye imithombo yengeniso, ubuncinci beemfuno ze-asethi phantsi kwendlela yesiqinisekiso ziyayekwa.
Yintoni inzuzo?
1) Akukho mfuneko yokubonelela ngawo nawaphi na amaxwebhu engeniso;
2) Indlu yaseprayimari kuphela;
3) Amaxwebhu ancitshisiweyo
4) Kulula ukufaneleka
Zeziphi izinto ezinokusetyenziselwa le nkqubo?
Ii-asethi kufuneka zibe yi-liquid kwaye zifumaneke ngaphandle kwesohlwayo; Amaxwebhu ongezelelweyo 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 ezingafanelekanga ukuba zipheliswe
Kule nkqubo, unokukhathalela imida engezantsi. Iindidi ezininzi zeentlobo azinakusetyenziswa nangona ungasebenzisa ezi asethi wedwa:
• I-Equity kwi-Real Estate;
• Izitokhwe ezirhwebayo okanye ezithintelweyo/ezingezizo;
• Nayiphi na i-asethi evelisa ingeniso esele ibandakanyiwe 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 kuwo wonke umhlaba, ezifana: Doha, Botswana, Poland, Njengendlela yokusebenzisa ubutyebi kulwazi olwandayo kunye neenyani 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.
NguStephen wase-Uzbekistan - 2017.08.16 13:39 Umgangatho ophezulu, ukuSebenza okuPhezulu, ukuCla kunye neMfezeko, kufanelekile ukuba nentsebenziswano yexesha elide! Sijonge phambili kwintsebenziswano yexesha elizayo!
NguJosephine waseNicaragua - 2018.06.05 13:10 






