Iziko leMveliso

Isishwankathelo

Ezizimeleyo kunye nePiggyback.
Imali-mboleko yesiBini kuphela yamkelekile.

* Ipropati yesifundo kufuneka ibe nemali yokubambisa kuqala.

Iimbalasane zeNkqubo

Ixesha leminyaka eli-15.
Olunye ukhetho lwamagama (5 yrs, 10yrs, 20yrs, 30yrs).

1) Akukho Isohlwayo seNtlawulo;
2) Iyunithi e-1 & Ukuya kuma-85% CLTV;
3) Umz. FICO 680;
4) Ubukhulu. Imali-mboleko ye-$ 250,000;
5) Iprayimari kunye nekhaya lesibini lifanelekile.

IsiKhokelo seTyala

(1) Ukuba kukho ezidlulileyo ngenxa engekahlawulwa irhafu yengeniso Federal, umboleki kufuneka abonelele isivumelwano isavenge kunye IRS, imbali yentlawulo ebonisa ubuncinane 1 intlawulo eyenziwayo, kwaye ziquka intlawulo yenyanga kwizibophelelo amatyala mboleki. Ubungqina bentlawulo yerhafu yengeniso busenokufuneka ukuze kuqinisekiswe ukuba akukho zirhafu zimiselweyo.
(2) Iimali zerhafu kufuneka zihlawulwe ngaphambi okanye ngaphambi kokuvalwa.
(3) Akukho bugwenxa be-mortgage (0 × 30) kwiinyanga ezidlulileyo ze-24.
(4) Ngayo nakuphi na unyamezelo lwemali-mboleko yendlu okanye izivumelwano zokurhoxisa intlawulo ezenzeke ngexesha lobhubhani we-COVID-19, um(aba)boleki kufuneka enze ubuncinane iintlawulo ezi-6 ezilandelelanayo zenyanga ezilandelelanayo zenyanga kwaye ubuncinane iinyanga ezi-6 kufuneka zibe sele ziphelile oko unyamezelo/ulungiselelo lokurhoxisa.
(5) Um(aba)boleki kufuneka abe ngelo xesha kulo lonke ityala lendlu.
(6) Akukho zigwebo, ukuhluthwa okanye ukuhlawuliswa kwiinyanga ezingama-60 ezidlulileyo.
(7) Ezi zilandelayo zibhekwa njengobunjubaqa obunzima, kungakhathaliseki ukuba impendulo ye-AUS; ababoleki abanezi profayili abafanelekanga de kube lixesha le-7 leminyaka lidlulile oko kwenzekile kwaye ikhredithi iphinde yasekwa:
①Ukutshona
②Ukuvalwa / uBuyiselo endaweni yokuThinjwa
③Intengiso emfutshane okanye iNtlawulo emfutshane
④Uhlengahlengiso lwe-mortgage, unyamezelo okanye ukuhlehliswa (ngaphandle kwe-COVID-19 enxulumene)

Isikhokelo ngokubanzi

(1) Ubukhulu. DTI 43%.
(2) Izinga lokufaneleka lifanelekile kwinqanaba lokuqala lenqaku.
(3) Ii-asethi / iiMali zokuValwa / eziGciniweyo zilandela iimfuno zokuqala zekhonkco.
(4) Isihloko asinakubanjwa egameni letrasti.
(5) Ii-POA zivumelekile kuzo zonke iintlobo zentengiselwano kodwa kufuneka zihlawule i-2nd lien transaction ukuba isetyenziswe.
(6) Ukuqeshisa akufanelekanga.
(7) Akukho Isohlwayo seNtlawulo kodwa sifuna ukuba naziphi na iimali-mboleko zihlawulwe okanye zenze ucutho olungaphezulu kwe-20% yemali eseleyo emva kweentsuku ezili-180 zomhla wenkxaso-mali.
(8) I-AAA LEENDINGS ayiyi kuyenza i-HPML Ballons (APR> 15 Years Fixed APOR +3.5%).