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

Siyaqonda ukuba i-mortgage ayikho nje intengiselwano yezemali kodwa sisigqibo esibalulekileyo sobomi. Ugqaliselo lwethu ekugxilweni komthengi kuthetha ukuba asiwathatheli ngqalelo amanani kuphela; siqwalasela ibali lakho elilodwa, iminqweno, kunye neenjongo zemali. Iingcali zethu zokuboleka imali zithatha ixesha lokuqonda uhambo lwakho lobuqu, ziqinisekisa ukuba ufumana isisombululo semali mboleko ehambelana nombono wakho wekamva.Top Mortgage ababolekisi Scotsman Guide,I-California Mortgage Broker okanye uMboleki,Uluhlu lwababolekisi bezindlu kwiCa, Kwi-AAA LENDINGS, siyaqonda ukuba ukukhetha umbolekisi we-mortgage sisigqibo esibalulekileyo. Yiyo loo nto sihamba umgama owongezelelweyo ukwenza amava akho ameme kangangoko. Sinikezela ngewebhusayithi esebenziseka lula enokukhangela ngokulula, siqinisekisa ukuba unokufikelela kulwazi oluyimfuneko ngaphandle komzamo. Uya kufumana izixhobo eziluncedo kunye nezixhobo ezinje ngezibalo zokubambisa kunye nezithuba zeblogi ezifundisayo, eziyilelwe ukukuxhobisa ngolwazi kwaye wenze uhambo lwakho lokubambisa lubandakanyeke kwaye lufundise.

– 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:

Ukuzibophelela kwethu elubala kudlulela ngaphaya kwamanqanaba okuqala enkqubo yokuthenga izindlu. Siqinisekisa ukuba uyayiqonda ngokucacileyo imiqathango yakho yokubambisa, kuquka inzala, imirhumo, kunye neendleko zokuvala. Akukho zimangalisayo ngosuku lokuvala. Sizinikezele ekukuboneleleni ngengcaciso ecacileyo, engena-jargon, ukuze ukwazi ukuzulazula ngokuzithemba kwimiba yezemali ekuthengeni kwakho ikhaya okanye ukuhlaziya. – I-AAA yokubolekwa kwe-Non-QM ye-Non-DTI ye-Program - Ukuchithwa kwe-Asethi (I-Asethi Kuphela) - I-AAA Ukuboleka , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Rio de Janeiro, Lithuania, Finland, Siyathemba ukuba sinokuseka intsebenziswano yexesha elide kunye nabo bonke abathengi. Kwaye sinethemba lokuba singaphucula ukukhuphisana kwaye sifezekise imeko yokuphumelela kunye nabathengi. Samkela ngokunyanisekileyo abathengi abavela kwihlabathi liphela ukuba baqhagamshelane nathi ngayo nantoni na oyifunayo!

-AAA Ukuboleka

Umzi-mveliso unokuhlangabezana ngokuqhubekayo nokuphuhlisa iimfuno zezoqoqosho kunye nezentengiso, ukuze iimveliso zabo ziqatshelwe kwaye zithembeke, kwaye yiyo loo nto sikhethe le nkampani.
Iinkwenkwezi ezi-5

NguMarco ovela eCosta Rica - 2017.12.09 14:01

Umthengisi olungileyo kweli shishini, emva kwengcombolo kunye nengxoxo ecokisekileyo, sifikelele kwisivumelwano sokuvumelana. Ndiyathemba ukuba siyasebenzisana kakuhle.
Iinkwenkwezi ezi-5

NguJacqueline waseThekwini - 2018.12.11 14:13