11/15/2023

Intshayelelo

Isiteyithimenti sebhankiInkqubo, yenzelwe ngokukodwa abafaki-zicelo abangakwaziyo ukubonelela ngobungqina bemveli bengeniso, ijolise ikakhulu kwii-freelancers, abantu abazisebenzelayo, kunye noosomashishini abatsha.

Inkqubo yesiqhelo yokufaka isicelo semali-mboleko idla ngokufuna ukufakwa kwefomu i-W-2, uxwebhu olunikezelwe ngumqeshi oluchaza ingeniso yomntu ngamnye kunye nokubanjelwa kwerhafu kunyaka werhafu odlulileyo.Nangona kunjalo, kuma-freelancers okanye abantu abazisebenzelayo, ubungqina obunjalo bengeniso busenokungabikho, nto leyo eyenza le mboleko ibe yindlela enomtsalane.Eli nqaku liza kuphonononga ngokubaluleka kwesiteyitimenti sebhanki, indlela enxulumana ngayo namanye amagama aphambili afana nemigca yorhwebo, kunye nendlela ebachaphazela ngayo abathengi basekhaya abaqalayo.

Ukuqonda iingxelo zeBhanki

A isiteyithimenti sebhankiyingxelo eneenkcukacha enikelwe yibhanki yakho, echaza zonke iintengiselwano kwi-akhawunti yakho kwixesha elithile.Ibandakanya zonke iidiphozithi, ukutsalwa kwemali, iintlawulo, kunye nezinye iintengiselwano.Ababolekisi basoloko befuna iziteyitimenti zebhanki xa ufaka isicelo semali-mboleko njengoko ibanika umfanekiso wempilo yakho yezemali.

Kubathengi bezindlu okokuqala, ukuqonda kunye nokulawula iziteyitimenti zakho zebhanki kubalulekile.Lelinye lawona maxwebhu aphambili ababolekisi abawasebenzisayo ukuvavanya amandla akho okubuyisela imali-mboleko.Baza kujonga ingeniso yakho, kodwa kunye neendleko zakho, ukubona ukuba unako na ukuhlawula imali yokubambisa ngenyanga.

Abathengi beKhaya lokuqala-Ukujonga iNkqubo yeMali-mboleko

Igama elithi “umthengi wendlu wokuqala” libhekisa kumntu okanye usapho oluthenga umhlaba okokuqala okanye olungenalo naliphi na ipropati kule minyaka mithathu idlulileyo.Ukumisela ukuba ungumthengi wekhaya okokuqala kuxhomekeke kakhulu kwimbali yobunini bepropathi yakho.Nazi ezinye iikhrayitheriya onokuzisebenzisa ukuvavanya isimo sakho:

- Awuzange ube nepropati: Ukuba awuzange uthenge ipropati ngaphambili, uthathwa njengomthengi wokuqala wendlu.
- Awuzange ube nepropati kule minyaka mithathu idlulileyo: Nokuba ubunepropati ngaphambili, unokuthatyathwa njengomthengi wendlu okokuqala ukuba sele kudlule iminyaka emithathu ukususela oko wathengisa ipropati.
- Ubunepropati kunye neqabane lakho kuphela: Ukuba ubutshatile kwaye unekhaya neqabane lakho, kodwa ngoku awutshatanga kwaye awunandawo yedwa, ungathathwa njengomthengi wendlu okokuqala.
- Ungumnikazi wekhaya ogxothiweyo okanye umzali omnye: Ukuba unekhaya elinye kuphela neqabane lakho kwaye ngenxa yotshintsho kubomi bakho, ngoku ungumzali omnye okanye ummi wekhaya oshiye ikhaya engenatayitile yepropati, unokubonwa njengekhaya lokuqala. umthengi.

Kubathengi bezindlu okokuqala, ukuqonda isitatimenti sakho sebhanki kunye nemigca yorhwebo kubaluleke kakhulu.Inokukunceda ukuba uhlole impilo yakho yezemali kwaye uqonde ukuba ababolekisi bajonge ntoni xa ufaka isicelo semali-mboleko.

Omnye weyona mingeni ibalulekileyo abathengi basekhaya abajongana nayo okokuqala kukungabi nayo imbali ende eyaneleyo yetyala okanye imigca yorhwebo eyaneleyo.Ukuba oku kunjalo, yiya kuweisiteyithimenti sebhankiiba bukhali ngakumbi.Ingabonisa ababolekisi-mali ukuba unoxanduva lwezemali, nokuba imbali yakho yetyala ilinganiselwe.

IiNgxelo zeBhanki kunye neeNdlela zoRhwebo

Umgca worhwebo yenye into ebalulekileyo eqwalaselwa ngababolekisi xa ufaka isicelo semali-mboleko.Yingxelo yembali yetyala lomboleki, kuquka uhlobo lwetyala, isixa setyala, kunye nembali yokuhlawula.Iakhawunti nganye yekhredithi onayo ngumgca worhwebo owahlukileyo kwingxelo yakho yetyala.
Eyakhoisiteyithimenti sebhankikwaye imigca yakho yorhwebo inxulumene ngokusondeleyo.Intengiselwano ebhalwe kwisiteyitimenti sakho sebhanki inokuchaphazela imigca yakho yorhwebo.Umzekelo, ukuba isitatimenti sakho sebhanki sibonisa rhoqo, iintlawulo zangexesha kwikhadi lokuthenga ngetyala okanye imali-mboleko, inokuchaphazela urhwebo oluhambelana naloo akhawunti.

Ukuqukumbela

Ukuqukumbela, aisiteyithimenti sebhankisisixhobo esinamandla sokuqonda impilo yakho yezemali kunye nokujonga inkqubo yemali-mboleko, ngakumbi kubathengi bokuqala ekhaya.Ngokuqonda indlela isitatimenti sakho sebhanki kunye nemigca yorhwebo ekuchaphazela ngayo ukufaneleka kwakho kwimali-mboleko, unokuthatha amanyathelo okuphucula impilo yakho yezemali kwaye wandise amathuba akho okufumana imali-mboleko.

Khumbula, isitatimenti sakho sebhanki asiyongxelo nje yentengiselwano yakho.Yimbonakaliso yeendlela zakho zemali.Ngokuyiqonda kwaye uyilawule ngokufanelekileyo, ungavula indlela eya kwisicelo semali-mboleko eyimpumelelo kwaye, ekugqibeleni, ubunini bendlu.

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-Into ekufuneka uyazi ngayo

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.