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

Iinkcukacha zeMveliso

Ukuzibophelela kwethu ekugqweseni nasekuzinikeleni kubathengi bethu kusiqhubele ekubeni sandise imisebenzi yethu kumazwe angama-45, kuquka iArizona, California, Washington DC, Florida, Nevada, neTexas, phakathi kwamanye. Nangona kunjalo, impumelelo yethu ayichazwanga kuphela ngamanani. Uphononongo oluninzi oluhle kunye nodumo olunamandla lokuthetha ngomlomo esilufumeneyo lusebenza njengobungqina bokuthenjwa kunye nentembeko ebekwe yintengiso kuthi.Inkqubo yokuSetywa kweAsethi,Ababolekisi abaPhezulu be-Mortgage,Umdla osisigxina, Yasekwa ngo-2007, i-AAA LENDINGS ngumbolekisi obalaseleyo we-mortgage onembali etyebileyo ethatha iminyaka engaphezu kwe-15. Siye saduma ngokuzinikela kwethu okungagungqiyo ekuboneleleni ngenkonzo eyodwa nokuthembeka kwihlabathi lokubolekisa ngemali-mboleko. Ipotfoliyo yethu yokuboleka imali ibubungqina bamava kunye nokukwazi kwethu, kunye nentlawulo ekhwankqisayo iyonke yemali-mboleko engaphaya kweebhiliyoni ezingama-20 zeedola. Ukutyhubela iminyaka, obu buchule bezemali busenze ukuba sikwazi ukunceda iintsapho eziphantse zibe ngama-50,000 ekuphumezeni iinjongo zazo zokuboleka imali, ukwenza amaphupha okuba ngabaninimzi abe yinyani.

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

Ayinasihloko-2

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:

I-AAA LENDINGS iyazingca ngokubandakanyeka kwethu kuluntu kunye noxanduva loluntu. Sikholelwa ukuba ukuba ngumbolekisi othembekileyo kuthetha ukubuyisela kuluntu esilusebenzelayo. Iqela lethu lithatha inxaxheba ngokukhutheleyo kumalinge esisa, ukuxhasa izizathu zasekuhlaleni, nokukhuthaza ulwazi lwezemali. Asikho nje kwishishini lokubonelela ngemali-mboleko; sityale imali ekwenzeni impembelelo eyakhayo kubomi babaxumi bethu nakuluntu abalubiza ngokuba likhaya. – AAA Lendings Non-QM Non-DTI ratio Programme – Asset Depletion (Asset Only) – AAA Lendings , Imveliso iya kubonelela kulo lonke ihlabathi, ezifana: Paraguay, Monaco, Swansea, Siyazingca ukubonelela ngeemveliso zethu kunye nezisombululo zonke costumer ehlabathini lonke kunye bhetyebhetye, iinkonzo ezikhawulezayo esebenzayo kunye nolawulo olungqongqo nomgangatho ovunyiweyo rhoqo abathengi olunomgangatho ongqongqo kunye nendumiso.

-AAA Ukuboleka

Ukusebenzisana nawe ngalo lonke ixesha uphumelele kakhulu, wonwabe kakhulu. Ndiyathemba ukuba sinokuba nentsebenziswano engakumbi!
Iinkwenkwezi ezi-5

NguBelinda ovela eAmsterdam - 2017.01.11 17:15

Ndiyathemba ukuba inkampani inokubambelela kumoya weshishini woMgangatho, ukuSebenza, ukuVelisa izinto ezintsha kunye neMfezeko, iya kuba ngcono kwaye ibengcono kwixesha elizayo.
Iinkwenkwezi ezi-5

NguDanny waseTurkey - 2018.02.04 14:13