IWholesale - I-AAA yokuBoleka uMvuzo Ongeyo-QM yoMvuzo kunye neNkqubo ye-Asethi yomboleki oziqeshileyo – uMvuzo ochaziweyo oyiNyaniso – AAA Umbolekisi obolekisa ngemali kunye nomtyali-mali

Iinkcukacha zeMveliso

Ukuzulazula kumhlaba wokubambisa kunokuba nzima, kodwa i-AAA LENDINGS iyenza lula inkqubo, iyenze ibandakanyeke kwaye ingabinaxinzelelo. Sinikezela ngenkqubo yokuqokelela amaxwebhu ecacileyo nemfutshane, ekuvumela ukuba ulayishe ngokulula amaphepha afunekayo kwi-intanethi. Sazi kakuhle ukuba ixesha lakho lixabisekile, kwaye ngokwenza inkqubo ibe lula, sikugcina uxakekile kwaye ulawula uhambo lwakho lokuboleka imali.Imali-mboleko yesiqhelo,Eyona Rate yokubolekwa kwezindlu,Isibali seMortgage, 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.

- Ukuboleka kwe-AAA engeyiyo ye-QM yoMvuzo kunye neNkqubo ye-Asethi yomboleki oziqeshileyo - uMvuzo ochaziweyo oyinyaniso - Iinkcukacha ze-AAA zokuBoleka:

Isihloko

Isishwankathelo

Sebenzisa i-asethi yomboleki ukuze ufaneleke, ii-asethi zomboleki kufuneka zihlawule ubuncinane iinyanga ezi-6 zeedipozithi zomvuzo wenyanga.

Iinkcukacha

1) Akukho P&L ifunekayo;
2) Akukho WVOE efunekayo;
3) Iinyanga ezili-12 zokugcina ezibalwe kwi-PI (Hayi i-PITIA enye imboleki efunekayo);
4) Iimali zezipho ezivumelekileyo;
5) Imali mboleko ukuya kwi-$ 2.5M;
6) Thenga kwaye akukho Cash ekhoyo.

Yintoni le nkqubo?

• Ngaba uyayazi indlela yokusebenzisa i-asethi kuphela ukuze ufaneleke kwimali mboleko yendlu yakho?
• Ngaba uye wanqunyanyiswa okanye wakhatywa ngumbolekisi ngenkqubo ye-WVOE (i-Written Verification of Employment)?
• Ngaba awuna-asethi ingako xa ufuna ukuthenga indlu yakho?
• Ngaba umqeshi wakho ebengafuni kukubonelela ngefomu ye-WVOE okanye asebenzisane nayo?

Ukuba ukhe wadibana nale meko ingasentla, akukho xhala, yiza kuthi kwaye siza kukwazisa ngenkqubo ye-Non-QM kuwe--Ingeniso exeliweyo eyinyani. Inkqubo iqhelene nenkqubo ye- {WVOE}, yenzelwe ababoleki abahlawulwayo kunye nababoleki abazisebenzelayo. Iimali-mboleko ezingezizo eze-QM zineenkqubo ezincinci ezintle kangangokuba abarhola imivuzo kunye nabanini bamashishini banokufaka izicelo zombini.

Isebenza njani le nkqubo?

Kanye njengegama lemveliso, le nkqubo ifanelekile nge-asethi nayo. Bona ngezantsi:

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Ukuba iNgeniso echaziweyo eyiNyaniso yale nkqubo yemali-mboleko ikhethiwe, umboleki uya kufunwa kuphela ukuba abonelele ngeNgeniso ye-Asethi eSekelwe kwiSicelo seMali-mboleko (1003). Le ngeniso iya kusetyenziswa ukubala ityala elifanelekileyo kumlinganiselo wengeniso ekuxoxwe ngawo kwiCandelo le-VIII lezi zikhokelo.

Ngubani onokufaka isicelo sale nkqubo?

Njengoko kukhankanyiwe apha ngasentla, nokuba ungumboleki womvuzo okanye ozisebenzelayo, ungafaka isicelo sale nkqubo. Ukuba umvuzo umboleki, ke akukho maxwebhu akhethekileyo afunekayo xa ufaka isicelo semali mboleko yendlu entsha ye-Non-QM kunye nombolekisi. Ukuba ozisebenzelayo umboleki okanye 1099 mboleki, ungafuna ileta CPA elula.

Isebenza njani le nkqubo?

Kanye njengegama lemveliso, le nkqubo ifanelekile nge-asethi nayo. Ngokungafaniyo nezinye iinkqubo, thina umbolekisi akukho mfuneko yokuba silungise nawaphi na amaxwebhu akhethekileyo avela kumboleki. Lungiselela nje iziteyitimenti zebhanki eziqhelekileyo xa ufaka isicelo semali mboleko yendlu yakho, Bona apha ngezantsi ngolwazi lwakho:

Ingeniso echaziweyo ithetha ukuba umboleki uchaza umvuzo wakhe okhoyo ngoku ofanelekileyo kwisicelo semali-mboleko. Umbolekisi uya kuqinisekisa ukuba umvuzo wenyanga womboleki unokuxhaswa ngempahla ye-“Liquid” ekuvaleni kwangaphambili.

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 yokuboleka i-Non-QM yoMvuzo kunye neNkqubo ye-Asethi yomboleki-ozisebenzayo - Ingeniso echaziweyo eyiNyaniso - I-AAA Ukuboleka , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Provence, Oslo, Bulgaria, Inkampani yethu ithobela ingcamango yokulawula ukugcina izinto ezintsha, ziphishekela ukugqwesa. Ngesiseko sokuqinisekisa iingenelo zeemveliso esele zikhona, siqhubeka sisomeleza kwaye sandise uphuhliso lwemveliso. Inkampani yethu inyanzelisa ukusungula izinto ezintsha ukukhuthaza uphuhliso oluzinzileyo lweshishini, kwaye isenze sibe ngababoneleli abakumgangatho ophezulu basekhaya.

-AAA Ukuboleka

Umphathi wentengiso unomonde kakhulu, sanxibelelana malunga neentsuku ezintathu ngaphambi kokuba sigqibe ekubeni sisebenzisane, ekugqibeleni, sanelisekile kakhulu ngale ntsebenziswano!
Iinkwenkwezi ezi-5