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

Kwi-AAA LENDINGS, sikholelwa ekubuyiseleni abathengi bethu abaxabisekileyo. Yiyo loo nto sinikezela ngenkqubo yokunyaniseka ekuvuza ngokuthemba kwakho kunye nentsebenziswano eqhubekayo nathi. Inkqubo yethu yokunyaniseka yenzelwe ukukugcina ubandakanyekile kwaye uxatyiswe, ibonelela ngezibonelelo ezikhethekileyo kunye nezaphulelo kubathengi bethu ababuyayo. Ukuzibophelela kwakho kwi-AAA LENDINGS kuqondwa kwaye kuvuzwa, kwaye sizama ukwenza umdla wakho oqhubekayo kwiinkonzo zethu ube ngamava anomvuzo.Imali-mboleko yeArm,Oyena Mbolekisi we-Mortgage enkulu,Umsunguli weMali-mboleko ye-Mortgage, Siyaqonda ukuba i-creditworthiness ingaba yinkxalabo kubaboleki abaninzi. Yiyo loo nto sinikezela ngeenkonzo zokucebisa ngetyala ukuze sikuncede uphucule amanqaku akho kwaye ukhusele imiqathango engcono yemboleko. Ngokubonelela ngezimvo ezixabisekileyo kunye nesikhokelo esilungiselelweyo, sijonge ekubandakanyweni abo banokuba ngababoleki abanokuthi ekuqaleni bangaqinisekanga malunga nokufaneleka kwabo. Silapha ukukuxhobisa ukuba ulawule ikamva lakho lezemali.

- 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:

abio01
abio02

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 yokubolekwa kwe-AAA engekho ye-QM yoMvuzo kunye neNkqubo ye-Asethi yomboleki-ozisebenzayo - Ingeniso eQinisekisiweyo ye-AAA , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Japan, Curacao, Burundi, Iimveliso zethu zibonwa ngokubanzi kwaye zithembeke ngabasebenzisi kwaye zinokuhlangabezana ngokuqhubekayo nokutshintsha kweemfuno zoqoqosho nezentlalo. Samkela abathengi abatsha nabadala abavela kuzo zonke iinkalo zobomi ukuba baqhagamshelane nathi kubudlelwane beshishini elizayo kunye nempumelelo efanayo!

-AAA Ukuboleka

Uluhlu olubanzi, umgangatho olungileyo, amaxabiso afanelekileyo kunye nenkonzo elungileyo, izixhobo eziqhubela phambili, iitalente ezigqwesileyo kunye nemikhosi yetekhnoloji yomeleza ngokuqhubekayo, iqabane elihle leshishini.
Iinkwenkwezi ezi-5

NguGabrielle wasePortland - 2018.09.16 11:31

Ukuhanjiswa ngexesha, ukuphunyezwa ngokungqongqo kwezibonelelo zekhontrakthi yeempahla, zidibene neemeko ezikhethekileyo, kodwa kunye nokusebenzisana ngenkuthalo, inkampani ethembekileyo!
Iinkwenkwezi ezi-5

NguEthan McPherson waseYiputa - 2017.11.01 17:04