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

Imfundo yabathengi ngundoqo we-AAA LENDINGS 'mission. Sikholelwa ukuba umboleki onolwazi ngumboleki oxhotyisiweyo. Yiyo loo nto sihamba umgama owongezelelweyo ukubonelela ngezixhobo zemfundo kunye nesikhokelo sokukunceda ujonge ubunzima benkqubo yemali-mboleko. Iqela lethu lizinikezele ekuphenduleni imibuzo yakho, lichaza ubucukubhede bemilinganiselo yenzala, ukhetho lwemali-mboleko, nokunye, ukuqinisekisa ukuba wenza izigqibo ezinolwazi. Ulwazi lwakho lwezezimali kunye nokuzithemba zibalulekile kuthi.Atr-In-Full,Imibuzo ye-Mortgage yoMboleki,IiMfuno zeLayisensi yeBroker yokuboleka imali, Yintoni esahlulayo yindlela yethu yobuqu yokuboleka imali, ngokuchasene neendlela ezilinganayo ezisetyenziswa ngabanye abaninzi. Sinikezela ngezisombululo ezilungiselelwe iimfuno ezizodwa zomxhasi ngamnye, sikholelwa ngokuqinileyo ekubeni yonke imali mboleko inokwenzeka. Nge-AAA LENDINGS, iinjongo zakho zemali ziba zezethu, kwaye kunye, sizenza zenzeke.

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

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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 (Asethi Kuphela) – AAA Lendings , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Suriname, Bandung, Mozambique, Sinamava aneleyo ekuveliseni iimveliso ngokweesampuli okanye imizobo. Samkela ngokufudumeleyo abathengi abasuka ekhaya nakwamanye amazwe ukuba bandwendwele inkampani yethu, kunye nokusebenzisana nathi ngekamva eliqaqambileyo kunye.

-AAA Ukuboleka

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