Ihoseyili - i-AAA yokuboleka Inkqubo yomboleki oziqeshileyo – P&L(Inzuzo Ezilungiseleleyo kunye neLahleko Kuphela) – AAA Umboleki-mali kunye nomtyali-mali

Iinkcukacha zeMveliso

I-AAA LEENDINGs ayingombolekisi nje; siliqabane lakho lezemali. Sithatha ixesha lokumamela iinjongo zakho zemali kunye neminqweno, ukunika isikhokelo ngaphaya kwenkqubo yesicelo. Ukuzibophelela kwethu kwintlalontle yakho yezemali kudlulela ngaphaya kokuvalwa kwesivumelwano, kwaye sizinikele ekukuncedeni ufezekise iinjongo zakho zexesha elide, nokuba bubunini bezindlu, utyalo-mali lwezindlu nomhlaba, okanye ukuqinisa amatyala.IMida yeMali-mboleko yeDti yeSiqhelo yowama-2021,Yintoni ehambelana nemali-mboleko,I-Inshorensi yoKhukula, Yintoni esahlulayo yindlela yethu yobuqu yokuboleka imali, ngokuchasene neendlela ezilinganayo ezisetyenziswa ngabanye abaninzi. Sinikezela ngezisombululo ezilungiselelwe iimfuno ezizodwa zomxhasi ngamnye, sikholelwa ngokuqinileyo ekubeni yonke imali mboleko inokwenzeka. Nge-AAA LENDINGS, iinjongo zakho zemali ziba zezethu, kwaye kunye, sizenza zenzeke.

– I-AAA yokuboleka Inkqubo yomboleki-mali ongeyo-QM oziqeshileyo – P&L(Inzuzo eZilungiseleleyo kunye neLahleko Kuphela) – AAA Iinkcukacha zokuBoleka:

Ayinasihloko-3PL

Isishwankathelo

Ababoleki abazisebenzelayo kuphela, abangakwaziyo ukuhamba kunye ne-arhente mboleko ye-mortgage, kwaye abafuni ukubonelela ngeendlela ezahlukeneyo zamaxwebhu engeniso.

Iinkcukacha

1) Akukho siginitsha ye-CPA efunekayo;
2) kuvunyelwe ilizwe langaphandle;
3) Imali-mboleko ukuya kwi-10M yeedola;
4) Iinyanga ezili-12 ezigciniweyo ezibalwe kwi-PI(Hayi i-PITIA enye imboleki efunekayo);
5) Akukho zimbuyekezo zerhafu ezifunekayo;
6) Iimali zezipho ezivumelekileyo;
7) Intlawulo ephantsi ingaphantsi njenge-30%;
8) Umz. FICO 680.

Yintoni le nkqubo? Ngubani onokufaka isicelo sale nkqubo?

• Ngaba ungumboleki ozisebenzelayo?
• Ngaba umbolekisi ufuna izitetimenti zebhanki yeshishini lakho ukuze ufumane imali-mboleko? Okanye ngaba ababolekisi bakho bezindlu bafuna ukuba usayine iimbuyekezo zerhafu kwaye ufuna imibhalo?
• Ngaba ukhe wanqunyanyiswa okanye wakhatywa ngababolekisi be-arhente? Ngaba ababolekisi bakha bathi "Ngokwesikhokelo sethu"
• Ngaba uyazi ukuba ungakufanelekela njani ukubolekwa imali yendlu ngaphandle kwamaxwebhu omvuzo? Nangona iimbuyekezo zerhafu / iingxelo zebhanki zoshishino, njl.

Thina i-AAA yokuboleka ngoku ibonelela ngenkqubo yemali-mboleko ye-Non-QM efanelekileyo esetyenziswa kwezi meko zingasentla, ebizwa ngokuba yi-P&L (Inzuzo nelahleko). Le nkqubo yenzelwe ababoleki abazisebenzelayo nabaza kuxhamla kwezinye iindlela zokufaneleka mboleko. Leyo yeyona nzuzo ingcono kwabo baziqeshileyo. I-CPA/CTEC/EA egqityiweyo yaza yasayinwa i-P&L isenokusetyenziswa njengenye imbuyekezo yerhafu ukuze kubhalwe umvuzo womboleki oziqeshileyo. Ngaxa lithile, siyayamkela i-P&L yomboleki elungiselelwe, ekwaluncedo oluhle kwabanye ababoleki.

Kutheni le nkqubo iyilwe?

Kubantu ababolekayo abazisebenzelayo, inkqubo yengxelo yebhanki yeenyanga ezili-12/24 lolona khetho lungcono, kuba le nkqubo ayifuni mbuyekezo yerhafu kunye neengxelo zebhanki zoshishino. Nangona kunjalo, xa abanye abafaki-zicelo beneshishini, elinzima imeko yezemali ngeengxelo zebhanki ezininzi, inkqubo ye-P&L inokuba lolona khetho lufanelekileyo kuwe. Ukusukela kwiinyanga ezili-12/24 inkqubo yengxelo yebhanki inomda malunga nemfuno yeengxelo zebhanki; mhlawumbi max. Iingxelo zebhanki ezintathu zeshishini elinye, enokuthi ibe sisithintelo esikhokelela kwinkqubo yeP&L.

Yintoni ekufuneka uyilungiselele ukuvunywa ngokukhawuleza?

Xa ungenisa imali-mboleko kubabolekisi, banokufuna i-YTD(Unyaka ukuya kuMhla) P&L (okanye kunye nonyaka ongaphambili weP&L ngamanye amaxesha), ilayisenisi yeshishini, ileta yeCPA, njl.
Ngaphandle koko, kufuneka ujonge neqela lethu lokungenisa ukubala umvuzo kuqala

Imifanekiso yeenkcukacha zemveliso:

IsiKhokelo seMveliso esiNxulumeneyo:

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. - I-AAA yokuboleka i-Non-QM Inkqubo yomboleki ozimeleyo - P & L (Inzuzo eZilungiseleleyo kunye nelahleko kuphela) - Ukuboleka kwe-AAA , Imveliso iya kubonelela kuwo wonke umhlaba, njenge: Mali, Nigeria, Iraq, Inkampani yethu ijonga amaxabiso afanelekileyo, umgangatho ophezulu, ixesha lokuvelisa elisebenzayo kunye nenkonzo efanelekileyo emva kokuthengisa njenge-tenet yethu. Sinethemba lokusebenzisana nabathengi abaninzi kuphuhliso olufanayo kunye neenzuzo kwixesha elizayo. Wamkelekile ukuba uqhagamshelane nathi.

-AAA Ukuboleka

Sizibandakanye kolu shishino iminyaka emininzi, siyasixabisa isimo sengqondo somsebenzi kunye nomthamo wemveliso wenkampani, lo ngumenzi ohloniphekileyo kunye nonobuchule.
Iinkwenkwezi ezi-5