11/15/2023

Intshayelelo

A isiteyithimenti sebhankimboleko luhlobo lwe-mortgage evumela ababoleki ukuba bafaneleke ngokusekelwe kwiingxelo zebhanki endaweni yeendlela zokuqinisekisa ingeniso yemveli.Olu hlobo lwemali-mboleko lwaphuhliswa ikakhulu kubaboleki abazisebenzelayo, abanini bamashishini abancinci, kunye neekontraka ezizimeleyo ezinengeniso engeyiyo eyemveli.

Kwisicelo semali-mboleko yemveli, kufuneka unikezele ngeengxelo zomvuzo we-W-2, iimbuyekezo zerhafu yengeniso, kwaye ngamanye amaxesha ubhatale i-stubs ukubonisa umvuzo wakho.Nangona kunjalo, kubantu abangaqeshwanga ngokwesiko, la maxwebhu asenokungabonakalisi ngokupheleleyo umthamo wabo wezezimali.

Nantsi apho aisiteyithimenti sebhankiImali-mboleko iyangena. Ukuze ukwazi ukufumana olu hlobo lwemali mboleko, endaweni yeembuyekezo zerhafu okanye ii-W-2s, uya kubonelela ngeenyanga ezili-12 ukuya kwezingama-24 zeengxelo zebhanki.Umbolekisi uya kubala umvuzo wakho ngokusekelwe kwimali efakwe kwi-akhawunti yakho ngelo xesha.

Ukuqonda ukubaluleka kwesiteyitimenti sebhanki, makhe siphengulule ngokubhekele phaya kwiinkcukacha zayo, kwakhona sichaphazela imiqathango ebalulekileyo efana 'nemali yesipho', 'nesohlwayo sentlawulo ehlawulweyo.'

IiNgxowa-mali zeZipho kwiiNgxelo zeBhanki

Iimali zezipho zibhekisa kwimali enikwa lilungu losapho okanye umhlobo osenyongweni esetyenziselwa ukuncedisa ekuthengeni ikhaya.Ngokuqhelekileyo, ezi mali zisetyenziselwa intlawulo ephantsi okanye ukuvala iindleko ze-mortgage.Imithombo eqhelekileyo yemali yezipho ngabazali, ootatomkhulu, okanye amanye amalungu osapho asondeleyo.Nangona kunjalo, kubalulekile ukuqaphela ukuba le mali kufuneka ibe sisipho ngokwenene kwaye ingabi yimali-mboleko ekufuneka ihlawulwe, kungenjalo ichaphazela umlinganiselo wetyala kunye nengeniso yomboleki.

Ngokuphathelele ubudlelwane phakathi kwemali yesipho kunyeisiteyithimenti sebhankimboleko, ezi zimbini zingasetyenziswa kunye.Xa ufaka isicelo semali mboleko yesiteyitimenti sebhanki, inkampani ebolekayo iya kuvavanya amandla omboleki okuhlawula ngokusekelwe kwiingxelo zebhanki.Ukuba iimali zesipho zisetyenziswa njengenxalenye yentlawulo ephantsi, kuya kufuneka ukuba zivele kwiingxelo zebhanki kwaye zibhalwe ngokufanelekileyo.

Kwabo bazisebenzelayo okanye abanengeniso engeyiyo eyemveli, iimali-mboleko zesiteyitimenti sebhanki ngokudityaniswa nemali yesipho inokuba yindlela eluncedo yokukhusela imali-mboleko.Nangona kunjalo, ukungafihli kunye namaxwebhu afanelekileyo ngundoqo wokuqinisekisa ukuba yonke imiba yezemali yamkelwe kwaye yamkelwe liziko elibolekisayo.

Isohlwayo seNtlawulo eHlawulelwayo
Intlawulo yokuhlawula kwangaphambili ligatya kwisivumelwano sokubambisa esichaza ukuba umboleki uya kuhlawuliswa umrhumo ukuba uhlawula imali-mboleko ngaphambi kokuphela kwexesha layo.Ingqiqo emva koku kukuba ababolekisi balindele isixa-mali senzala ukuba sihlawulwe ubomi bemali-mboleko, kwaye ukuba uhlawula imali-mboleko kwangethuba, bayaphoswa kwenye yaloo nzala.Isohlwayo sentlawulo yekhadi sinceda ukuphelisa le nzala ilahlekileyo.

Nangona kunjalo, qaphela ukuba ngokomthetho wobumbano wase-US, ababolekisi bathintelwe ekubekeni isohlwayo sokuhlawula kwangaphambili ngaphaya kweminyaka emithathu yokuqala yexesha lemali-mboleko.Yethuisiteyithimenti sebhankiInkqubo yeSigwebo seNtlawulo esiHlawulelwa kwangaphambili yi-5% yemali-mboleko eseleyo.

Ukuqukumbela

Ukuqukumbela, iisiteyithimenti sebhankiimali-mboleko, imali yezipho, kunye nezohlwayo zentlawulo ehlawulwa kwangaphambili zinokuhlangana.Ukuqonda ama-nuances ezi zinto zezemali ngundoqo ekulawuleni impilo yakho yezemali kunye nokufumana imvume yokuboleka imali.Nokuba nguwe obonelela ngemali yesipho okanye ozifumanayo, okanye uceba ukuhlawula imali-mboleko yakho kwangethuba, ukugcina isitatimenti sebhanki esipheleleyo kunye nokuqonda imigaqo ethile yemali mboleko yakho kunokonga imali kwaye kukhusele ikamva lakho lezemali.

Malunga nokubolekwa kwe-AAA

Isekwe ngo-2007, i-AAA Lendings ibe ngumbolekisi ohamba phambili kwi-mortgage iminyaka engaphezu kwe-15 yokugqwesa.Ilitye lethu lembombo libonelela ngenkonzo engenakuthelekiswa nanto kunye nokuthembeka, ukuqinisekisa ukuba abathengi bethu baneliseke kakhulu.

Ubungcali kuluhlu olubanzi lweemveliso ezingezizo ze-QM-kubandakanywaAkukho Doc Akukho Credit, I-P&L ezilungiselelwe ngokwakho, WVOE, I-DSCR, Iingxelo zeBhanki, Jumbo, HELOC, Vala Ukuphela Kwesibiniiinkqubo-sikhokela kwimalike yemali-mboleko 'engeyo-QM'.Siyabuqonda ubunzima bokufumana imali-mboleko kwaye sine 'Arsenal yeMali-mboleko' eyahlukeneyo ukuhlangabezana nale mingeni.Ukungena kwethu kwangethuba kwimarike ye-Non-QM kusinike ubuchule obukhethekileyo.Imizamo yethu yobuvulindlela ithetha ukuba siyaziqonda iimfuno zakho zemali ezahlukileyo.Ngokubolekwa kwe-AAA, ukufikelela kwiinjongo zakho zemali kulula kwaye kufikeleleka ngakumbi.

Sincede phantse iintsapho ezingama-50,000 ekufezekiseni amaphupha azo emali, kunye neemali-mboleko ezingaphaya kweebhiliyoni ezingama-20 zeedola.Ubukho bethu obubalulekileyo kwiindawo eziphambili ezifana ne-AZ, CA, DC, FL, NV, kunye ne-TX zisivumela ukuba sikhonze abantu abaninzi.

Ngaphezulu kwe-100 yee-arhente ezizinikeleyo kunye namaqela abhala phantsi kunye novavanyo lwangaphakathi, siqinisekisa inkqubo yemali-mboleko elungelelanisiweyo nengenaxinzelelo.

Ividiyo:Ingxelo yeBhanki - Ukuntywila ngokunzulu

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.