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

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.Imirhumo yoMbolekisi we-Mortgage,Intatheli ethunyiweyo,IMortgage Rate Forecast, Kwi-AAA LENDINGS, siphuma kwisihlwele sababolekisi bezindlu ngokubeka phambili ukuguquguquka kunye nokulungelelanisa kwindlela yethu. Siyaqonda ukuba imeko yezemali yomboleki yohlukile, kwaye sixhotyiswe ngokupheleleyo ukwenza izisombululo ezilungiselelwe iimfuno zakho ezithile. Nokuba ungumthengi wokuqala wezindlu, usomashishini otyali zindlu, okanye ujonge ukubonelela ngokutsha, iqela lethu leengcaphephe lilapha ukukukhokela kubugocigoci benkqubo yokubambisa. Sikholelwa ukuba ukubolekwa kwezindlu akufuneki kube yinto elinganayo yonke into, kwaye yiloo nto esenza sahluke.

– 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:

Ukucwangcisa ikamva lakho lezemali kuqala ngeqabane elifanelekileyo lokuboleka imali, kwaye kwa-AAA LENDINGS, sizimisele ukukunceda ufezekise amaphupha akho. Siyaqonda ukuba uhambo olusingise kumninimzi lunokuba luyolo kodwa luyoyikeka. Iingcali zethu ezinamava zingaphezulu nje kweengcali zokubambisa; bangamahlakani akho emali. Ziyafumaneka ukuze uxoxe ngeenjongo zakho, uvavanye imeko yakho yezemali, kwaye unike isikhokelo somntu esibamba umdla wakho. Siyazingca ngokuba sisikhokelo esikuxhobisayo ukuba wenze izigqibo ezizizo malunga nekamva lakho. – AAA Lendings Non-QM Non-DTI ratio Programme – Asset Depletion (Asethi Kuphela) – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Somalia, Bolivia, Zimbabwe, Uphuhliso lwenkampani yethu alufuni nje kuphela isiqinisekiso somgangatho, ixabiso elifanelekileyo kunye nenkonzo egqibeleleyo, kodwa ixhomekeke ekuthembekeni kunye nenkxaso yomthengi wethu! Kwixesha elizayo, siya kuqhubeka ngeyona nkonzo yobuchwephesha kunye nomgangatho ophezulu wokubonelela ngelona xabiso likhuphisanayo, Kunye nabathengi bethu kwaye sifezekise i-win-win! Wamkelekile kumbuzo kunye nokubonisana!

-AAA Ukuboleka

Akulula ukufumana umboneleli onjalo oqeqeshiweyo kunye nonoxanduva kwixesha lanamhlanje. Ndiyathemba ukuba sinokugcina intsebenziswano yexesha elide.
Iinkwenkwezi ezi-5

NguHilda ovela eJamaica - 2018.11.02 11:11

Umthengisi uthobela ithiyori yomgangatho wesiseko, uthembe eyokuqala kunye nolawulo oluphambili ukuze baqinisekise umgangatho wemveliso othembekileyo kunye nabathengi abazinzile.
Iinkwenkwezi ezi-5

Ngu Kimberley evela eKazakhstan - 2018.11.06 10:04