Isishwankathelo
Easy Qualified Valiwe End Second.
Ixesha leMboleko: Lizinzile;Ibhaluni ye-15 yeminyaka.
Iinkcukacha
1) IMali-mboleko yesiBini ye-Standalone kunye ne-Piggyback zombini ziyafumaneka;
2) IPropati ePhambili kunye noTyalo-mali luyafumaneka;
3) Akukho Isohlwayo esiHlawulelwayo;
4) Akukho vimba ofunekayo;
5) Uluhlu lweMali-mboleko: $ 75,001 - $ 450,000;
6) Ubukhulu.I-CLTV: 85%.
* Isixa-mali semali-mboleko sisondezwe ukuya kutsho kweyona -$100 ikufutshane
Uxwebhu lweNgeniso
Ukhetho1: Iingxelo zeBhanki - 12 Mths Personal & Business Bank Stmts
★EloBuqu & neShishini-Lidityanisiwe okanye iShishini (12mo.):
§ Ubuncinci omnye wababoleki kufuneka azisebenzele ubuncinci iminyaka emi-2 (25% okanye ubunini obukhulu);
§ Ukuchithwa kwe-Asethi kuvunyelwe kunye namaxwebhu eNgxelo yeBhanki;
§ Iindleko eziqhelekileyo ziyasebenza: 50% inkcitho yexabiso:
① Ukuba ishishini lisebenza < inkcitho eqhelekileyo, iP&L okanye ileta yeendleko evela kwiCPA, CTEC (iBhunga lezeMfundo yeRhafu yaseCalifornia), okanye iEA (i-Arhente ebhalisiweyo) iyafuneka;
②Ubuncinci beendleko zeP&L elungiselelwe umntu wesithathu okanye ileta ngama-20%.
★Buqu kunye neShishini ezahluliwe (12mo.):
①Umntu omnye wababoleki kufuneka azisebenzele ubuncinci iminyaka emi-2 (25% okanye ubunini obungaphezulu);
②Ukuchithwa kweAsethi kuvunyelwe kunye namaxwebhu engxelo yeBhanki;
③Umntu osetyenziselwa ukufaneleka, iinyanga ezi-3 zeshishini ukubonisa ukuhamba kwemali yeshishini ukuze kusetyenziswe i-100% yediphozithi enxulumene neshishini kwiakhawunti yobuqu (akukho nkcitho mali).
Ukhetho2: Uxwebhu olupheleleyo - 1 Yr & 2Yrs
Isikhokelo ngokuBanzi
★30/15yr Ibhaluni & 40/15yr Ibhaluni min isixa-mali semali-mboleko $200k.
★Ubukhulu beLiens eDityanisiweyo - $2 M.
★Iingxelo zebhanki zeenyanga ezi-2 zakutsha nje ezifunekayo.
★Udidi lwePropati - SFR, PUD, Condo-Warrantable.
★Iipropati ezidweliswe ukuthengiswa kwiinyanga ezili-12 ezidlulileyo azifaneleki.
★Ababoleki-Bafanelekile kuMmi wase-US, uMphambukeli ongengoMhlali osisigxina (eneTyala yase-US), uMphambukeli osiGxina ongumhlali.Ayifanelanga kubaboleki kunye namaqumrhu angahlaliyo.
★ 3 tradelines ingxelo 12+ iinyanga okanye 2 tradelines ingxelo 24+ iinyanga zonke kunye nomsebenzi kwiinyanga ezidlulileyo 12.
★Credit Event Seasoning - iinyanga ezingama-48 - Ukuvalwa, ukuthengiswa okufutshane, uxwebhu endaweni, ukubhanga.Akukho ziganeko zininzi kwiminyaka eyi-7 edlulileyo.
★Ityala eliNcincisayo - Akukho ntlawulo ivuliweyo okanye ingqokelela kwiinyanga ezingama-48.Akukho migca yentengiso yobunjubaqa ekuvaleni.
★Housing Lates - 0x30x12 On all mortgages kubo bonke ababoleki.Kufuneka ubuncinane iinyanga ezili-12 zembali yezindlu.
★IiMfuno zoVavanyo:
①Uvavanyo lwangaphambili kwisithuba seenyanga ezili-12 + UVavanyo lweNdawo yokuHlala.Ixabiso lokuphonononga kufuneka lilingane okanye libe likhulu kunovandlakanyo;
②Uvavanyo olutsha luka-2055 kunye noVandlakanyo loVandlakanyo lweNdawo yokuHlala exhasa ixabiso phakathi kwe-10% yomahluko.Amaxabiso asezantsi amabini aza kusetyenziswa;
③Ukuhla kweemarike ubukhulu becala yi-75% CLTV kuMnikazi oHlale/kwiKhaya lesi-2.Ubuninzi be-70% ye-CLTV kuMnini ongaMnini.
