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

Ngelixa ababolekisi abaninzi belinganisela umda wabo, siyaqhubeka nokwandisa ubukho bethu kumazwe ahlukeneyo, sisebenzela ababoleki kumazwe angama-45, kubandakanya ezinye zeemarike ezinamandla njengeCalifornia neTexas. Ukufikelela kwethu okubanzi kusivumela ukuba siqonde kwaye siziqhelanise nee-nuances zengingqi, siqinisekisa ukuba abathengi bethu kumazwe ahlukeneyo bafumana inkxaso yendawo ngelixa bexhamla kubuchwephesha belizwe lonke.Ireyithi yokubolekwa kwezindlu,Tpo uMboleki,Top Virginia Mortgage ababolekisi, I-AAA LENDINGS izimisele ukwenza uhambo lwakho lwemali mboleko ibe ngamava akunika amandla ngokwenene. Siyaqonda ukuba ithemba lokufumana imali-mboleko kunokuba mnandi kwaye loyike. Yiyo loo nto siye sayila indlela yomboleki-centric engayenzi lula kuphela inkqubo kodwa ikubandakanye kwaye ikufundise kwinqanaba ngalinye. Injongo yethu kukwenza amaphupha akho obunini bendlu abe yinyani ngelixa sikugcina unolwazi kwaye uchulumancile ngale nkqubo.

– 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:

Ukwenziwa kwezinto elubala kungundoqo wemisebenzi yethu. Siyazingca ngonxibelelwano lwethu oluvulekileyo nolunyanisekileyo kunye nabathengi bethu. Akukho ntlawulo ifihliweyo, akukho nto imangalisayo. Sinikezela ngolwazi olucacileyo, olucacileyo malunga neendlela zakho zokubambisa, siqinisekisa ukuba unazo zonke iinyani zokwenza izigqibo ezizizo. Injongo yethu kukwakha intembeko kubathengi bethu ngokuthetha phandle nangokuphandle, ukwenza amava akho enkxaso-mali ekhaya agudiseke kangangoko. – INkqubo yokuBoleka kwe-AAA engeyiyo ye-QM engeyiyo ye-DTI – Ukuchithwa kwe-Asethi (I-Asethi Kuphela) – Ukubolekwa kwe-AAA , Imveliso iya kubonelela kwihlabathi liphela, njengale: eRashiya, eRoma, eComoros, Abasebenzi bethu bazizityebi ngamava kwaye baqeqeshwe ngokungqongqo, benolwazi lobuchwephesha, ngamandla kwaye basoloko bebahlonipha abathengi babo njengeNombolo 1, kwaye bathembisa ukubonelela abathengi ngenkonzo yabo encomekayo ukuze babonelele ngeyona ndlela ilungileyo kunye nenkonzo yabo. Inkampani inika ingqalelo ekugcineni nasekuphuhliseni ubudlelwane bentsebenziswano bexesha elide kunye nabathengi. Siyathembisa, njengeqabane lakho elifanelekileyo, siya kuphuhlisa ikamva eliqaqambileyo kwaye sonwabele isiqhamo esanelisayo kunye nawe, ngenzondelelo eqhubekayo, amandla angenasiphelo kunye nomoya wokuya phambili.

-AAA Ukuboleka

Impahla esandula ukufunyanwa, saneliseke kakhulu, umboneleli olungileyo kakhulu, sinethemba lokwenza imizamo eqhubekayo yokwenza ngcono.
Iinkwenkwezi ezi-5

NguJean Ascher waseKenya - 2018.07.27 12:26

Umntu othengisayo unobuchule kwaye unoxanduva, ufudumele kwaye uhloniphekile, saba nencoko emnandi kwaye akukho miqobo yolwimi ekunxibelelaneni.
Iinkwenkwezi ezi-5

Ngu-Isabel ovela eRiyadh - 2017.11.12 12:31