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.Ixabiso leNkulumbuso,Inkqubo yeeNgxelo zeBhanki,Umbolekisi oPhezulu, 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:

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. – I-AAA yokubolekwa kwe-Non-QM ye-Non-DTI ye-Program - Ukuchithwa kwe-Asethi (I-Asethi kuphela) - I-AAA yokuBoleka , Imveliso iya kubonelela kwihlabathi lonke, njenge: Mauritius, Palestine, Chicago, Inkampani yethu ihlala ibonelela ngomgangatho omhle kunye nexabiso elifanelekileyo kubathengi bethu. Kwiinzame zethu, sele sineevenkile ezininzi eGuangzhou kwaye iimveliso zethu ziphumelele indumiso kubathengi kwihlabathi liphela. Injongo yethu ibisoloko ilula: Ukonwabisa abathengi bethu ngezona mveliso zeenwele ezisemgangathweni kunye nokuhambisa ngexesha. Wamkelekile abathengi abatsha nabadala ukuba baqhagamshelane nathi kubudlelwane beshishini bexesha elide.

-AAA Ukuboleka

Umgangatho ophezulu, ukuSebenza okuPhezulu, ukuCla kunye neMfezeko, kufanelekile ukuba nentsebenziswano yexesha elide! Sijonge phambili kwintsebenziswano yexesha elizayo!
Iinkwenkwezi ezi-5

NguMiranda ovela eMecca - 2018.12.28 15:18

Siyinkampani encinci esandula ukuqalisa, kodwa sifumana ingqalelo yenkokeli yenkampani kwaye yasinika uncedo oluninzi. Ndiyathemba ukuba singenza inkqubela kunye!
Iinkwenkwezi ezi-5

NguFlorence ovela eHaiti - 2018.11.02 11:11