Ngaba iLizwe langaphandle lingaba neKhaya eCalifornia?Isikhokelo sokugqibela saBathengi beSizwe baNgaphandle
Ngaba umntu wasemzini angaba nekhaya lakhe elincinane?Ngaba abahlali abangengabo abase-US ngaphandle kwekhadi lesazisi bangakwazi ukuthenga izindlu e-United States?Ukuba yinkxalabo yakho leyo, ngokuqinisekileyo awufanelanga uphoswe sesi sikhokelo sokugqibela!Iya kukunceda uqonde amalungiselelo kunye neenkqubo ezifunekayo ukuze abantu basemzini bathenge izindlu eCalifornia.
Ngaba abantu bangaphandle bangakwazi ukuthenga izindlu e-US ngaphandle kwesazisi sase-US?
Ewe!Abemi bangaphandle bajongana phantse akukho zithintelo xa betyala imali okanye bethenga ipropathi eMelika.Nangona kunjalo, abathengi abaninzi baphesheya kweelwandle ngempazamo bacinga ukuba abemi abangengabo abase-US abanakufaka izicelo zokubambisa.Ngokubanzi, abemi abangengabo abase-US okanye abahlali, abo bangena ngee-visa ze-B1/B2, okanye nabo bangenayo i-visa yokungena evela ngaphandle kwe-US banokufaka isicelo semali-mboleko yelizwe langaphandle.Ke, xa amaxabiso emali-mboleko engaphakathi kuhlahlo lwabiwo-mali lwakho, abathengi belizwe langaphandle kufuneka bacinge ngokuboleka imali ukuze bathenge ikhaya.
Ukuze ndithenge indlu ngemali mboleko, ngaba kufuneka ndibe se-US?
Thina kwi-AAA Lendings singamkela iisignesha kwi-ambassy.
Yimalini intlawulo ephantsi yenkqubo yelizwe langaphandle?Ithini intlawulo yemali-mboleko?
Imveliso yethu yeP&L eZilungiseleleyo kwi-AAA Lendings iyazamkela izicelo zemboleko ezivela kubantu bamanye amazwe, kwaye ababoleki banokufaka isicelo ngentlawulo ephantsi ye-30%.Ngokuqinisekileyo, intlawulo ephantsi enkulu kunye nesixa-mali semali-mboleko esincinci sinokukhusela ixabiso elanelisayo.
Ngoko ke, yintoni aI-P&L ezilungiselelwe ngokwakho?
Inzuzo Ezilungiseleleyo kunye nelahleko (P&L), ekwabizwa ngokuba “yingxelo yengeniso,” sisishwankathelo somvuzo kunye nenkcitho yomntu ngamnye kwisithuba sexesha.Kwi-AAA Lendings, sivumela abathengi ukuba basebenzise i-Self Prepared P&L yabo endaweni yamaxwebhu engeniso ukuze bafumane imali mboleko yendlu.
Ngawaphi amalungiselelo afunekayo kubemi bangaphandle okanye i-Self Prepared P&L xa ufaka isicelo semali mboleko yendlu?
Ukuthatha wethuI-P&L ezilungiselelwe ngokwakhoimveliso njengomzekelo:
1.Abathengi kufuneka babonelele nge-YTD + 2022 unyaka omnye opheleleyo we-P & L Inkcazo egqitywe yiCPA okanye umboleki.
2.Ikopi yepasipoti, i-I-94, kunye ne-VISA esebenzayo (iintlobo ze-F-1 kunye ne-F-2 azivumelekanga).
3.Ikopi yepaspoti kunye nokuba yi-I-94W okanye ubungqina be-ESTA Approval efunekayo kubaboleki.
Njengommi wangaphandle ngaphandle kwe-asethi e-US, ndingasebenzisa ii-asethi zam zaphesheya kwintlawulo yemali-mboleko kunye neendleko zokuyihlawula?
Ii-asethi zangaphandle ezisetyenziselwa intlawulo ephantsi, iindleko zokuvala, kunye/okanye oovimba kufuneka zikhutshelwe kwi-akhawunti yeziko lase-US phambi koku-odola amaxwebhu emali-mboleko.
Njengommi wangaphandle, ngaba kufuneka ndibonelele ngeerekhodi zekhredithi okanye nawaphi na amaxwebhu ekhredithi?
Ewe, abathengi kufuneka babonelele ngeerekhodi zentengiselwano zekhadi letyala, iingxelo zeakhawunti yebhanki kwiinyanga ezintathu ezidlulileyo, okanye iirekhodi zefowuni.Iintlawulo zexesha elide zombane, amanzi, kunye ne-intanethi nazo zinokubonwa njengeerekhodi zentengiselwano yexesha elide.
Ithini inkqubo yokuba umntu wangaphandle athenge indlu e-US?
1.Qhagamshelana nombolekisi ukuze ufumane ileta yokuvunywa kwangaphambili
2.Khetha indlu efanelekileyo kunye ne-arhente yezindlu
3.Yenza isithembiso kwindlu
4.Khetha igosa lemali-mboleko ye-AAA olithandayo ukuba ufake isicelo semali mboleko yendlu
5.Lindela imvume ye-AAA yokuBoleka imali
Njengommi wangaphandle, kufuneka ndihlawule malini ukuze ndihlawule?
Imirhumo yethu kwi-AAA yokuBoleka ilula kwaye ayifihli, ifuna kuphela umrhumo othile wokusetyenzwa kunye nomrhumo wokubhala phantsi.Ngenxa yokusebenza kwethu kwangaphakathi kunye nokubhala phantsi, iindleko zethu ziphantsi kakhulu kunabanye ababolekisi beqela lesithathu.
Ukuba ndingummi wangaphandle oneemeko ezizodwa, ingaba inkqubo yemali-mboleko iya kuthatha ixesha elide?
Akunjalo konke konke, thina kwi-AAA Lendings siya kuphonononga ngokukhawuleza amaxwebhu owangenisileyo kwaye sivale iimali-mboleko ngaphakathi komndilili weeveki ezintathu.
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.
Ixesha lokuposa: Nov-16-2023