10/06/2023

Kutshanje, ndabona iposti kwiforum apho umsebenzisi wayenamehlo akhe kwipropathi ekwimeko entle yotyalo-mali kodwa akakwazanga ukufumana imali-mboleko eqhelekileyo ngenxa yemali mboleko enkulu kunye neerekhodi zetyala elibi ngaphambili.

Kamva, omnye umntu wamcebisa ngemali mboleko yemali enzima, ebizwa ngokuba “yinzala,” nto leyo ephumela kwinzala eninzi kakhulu!Inzala engaphezulu kweshumi leepesenti yalehlisa kakhulu imbuyekezo yakhe yokugqibela.

Enyanisweni, abaninzi ababoleki bahlangabezana nale meko, ngakumbi abo babandakanyekayo kwi-Flipping Houses okanye i-BRRRR (Thenga, i-Rehab, iRent, i-Refinance, i-Repeat), kaninzi ibhenela kwi-Hard Money Loans ye-capital turnover.Nangona kunjalo, sinikezela ngemveliso yemali-mboleko elula nesebenzayo engafuni ukuba abathengi bathwale inzala ephezulu kunye nemingcipheko.

Namhlanje, mandinazise imveliso yethu eyinkwenkwezi: iNkqubo ethi 'Akukho Doc Akukho tyala', efuna amaxwebhu amancinane kwaye inesantya sokuvala ngokukhawuleza!Ibafaneleke ngendlela emangalisayo abo banqwenela ukutyala imali, banemali ethile eyinkunzi esandleni, kodwa banengeniso enganelanga okanye engazinzanga okanye iziphene zengxelo yetyala.Yimali mboleko yepropathi yokwenyani engadingi zitshekhi!

Intshayelelo yeProjekthi
I'Akukho Doc Akukho CreditInkqubo yimali-mboleko yeminyaka emi-4 esisigxina ye-Non-QM yokuthenga iipropati zotyalo-mali.
· Le nkqubo ayifuni ngxelo yetyala, akukho ngxelo yebhanki, kwaye akukho siqinisekiso sengeniso;
· Ivumela iimali-mboleko ukuya kwi-7.5 yezigidi zeerandi, kunye nomlinganiselo wemali-mboleko ukuya kwi-70%, oku kuthetha ukuba intlawulo ephantsi ye-30% kuphela iyafuneka;
· Ngokuphathelele kwiimfuno zengxowa-mali, umboleki kufuneka abe nentlawulo ephantsi + intlawulo yokulungisa + iinyanga ezingama-36 zokugcinwa (P&I), uvule i-akhawunti efunwa yibhanki, kwaye idipozithi iminyaka emi-3 ye-P&I yokugcina iintlawulo ezilandelayo;
· I-PPP yonyaka omnye (iSigwebo seNtlawulo), ifaneleke ngakumbi abantu basemzini;
· Ngaphezu koko, iprojekthi ayifuni ubuncinane bemali yerenti, oku kuthetha ukuba i-Debt Service Coverage Ratio (I-DSCR) akuthintelwanga.

Q&A
Ngaba le projekthi yemali-mboleko ifuna nabuphi na ubungqina bemali?
——Hayi, umboleki kufuneka nje enze ingxelo ye-asethi, ebonisa ii-asethi eziphantsi kwamagama abo kwifomu yesicelo.Iimali ezifunekayo zinokugqithiselwa ngokuthe ngqo kwinkampani ye-Escrow kunye nebhanki yediphozithi echaziweyo xa kufuneka;akukho mfuneko yokubonelela ngeengxelo zebhanki okanye ukujonga iimeko zengeniso.

Zithetha ntoni iinyanga ezingama-36 zogcino lweP&I?
——P&I ibhekisa kwinqununu kunye nomdla.Iimbuyekezo zababoleki kwiminyaka emithathu yokuqala ziya kutsalwa ngokuzenzekelayo kwi-akhawunti abayivulileyo, ngaphandle kwemfuneko yeentlawulo ezongezelelweyo.Ukuba umboleki ubuyisela imali mboleko emva konyaka we-PPP, banokurhoxisa imali eseleyo.Ukuba akukho ntlawulo yangaphambili, ngoko emva konyaka wesithathu (xa imali egciniweyo isetyenzisiwe), kufuneka bafake imali kwakhona ukuze baqalise ukwenza iintlawulo.

Yimalini endiyidingayo ukwenza isicelo malunga?
——Umzekelo, ukuba uthenga indlu enesigidi seedola kwaye uhlawule i-30% yentlawulo ephantsi, kuya kufuneka ulungiselele malunga ne-45% yexabiso lendlu kwiimali, apho i-15% kufuneka ifakwe kwibhanki yotyalo-mali. kwimbuyekezo kwiminyaka emithathu yokuqala.

Imele ntoni iPPP yonyaka omnye?
——PPP imele iPenalment Prepayment, nto leyo ethetha ukuba lowo ubolekayo akakwazi ukuthengisa indlu, ahlawule okanye aphinde ahlawule kwisithuba esingangonyaka, kungenjalo, baya kuba ne-1% yentlawulo yokuhlawula kwangoko ngokusekelwe kwibhalansi yemali-mboleko eseleyo.

Ngaba kukho naziphi na izithintelo kwisazisi?
——Bobabini abantu kunye neenkampani zinokufaka isicelo (kubandakanywa neenkampani zangaphandle);malunga nezazisi zomntu ngamnye, abemi base-US, abanini bamakhadi aluhlaza, i-EAD, kunye nabangaphandle bonke banokufaka isicelo.

Ingaba ndingasifaka kweliphi iphondo isicelo sale projekthi?
——Ungafaka isicelo eCalifornia, eWashington, naseOregon.

Ngubani onokufumana oku kuluncedo?

1. Abo banetyala elibi, imbali yokutshona, okanye amanqaku asezantsi etyala, abangakwaziyo ukufumana iimali-mboleko rhoqo.Kule meko, banokufaka isicelo senkqubo ethi 'Akukho Dokotela Akukho tyala' kunye nenkxaso-mali kwakhona xa amanqaku abo etyala ephucukile.

2. Abo bathenga amakhaya obutofotofo ezigidi okanye kwaneshumi lezigidi zeerandi kodwa abafumani ntlawulo yaneleyo.Kwezi zindlu, imfuno yentlawulo ephantsi idla ngokuba phezulu (malunga ne-50%).Ukuba ufaka isicelo senkqubo 'Yokungabi Natyala, kufuneka kuphela malunga nama-45% emali ukuze ufake isicelo.

3. Abanini bamakhadi aluhlaza, abemi, okanye abantu basemzini abatyala imali kwi-real estate e-US Ngokuqhelekileyo kuthatha ixesha lokudlulisa imali evela kwamanye amazwe, kwaye nasemva kokuba imali idluliselwe e-US, kufuneka balinde iinyanga ezimbalwa. .Inkqubo ethi 'No Doc No Credit' ayijongi mthombo wee-asethi ezinkulu konke konke, kwaye yonke imali yesipho nayo ayichaphazelekanga.

4. Abo bakwiphulo lokugqogqa indlu.Ukuba ufaka isicelo semali mboleko yebhanki eqhelekileyo, kuthatha iintsuku ezingama-30-45, ulahlekelwa ithuba lokubamba indlu enhle.Okanye ukuba imali-mboleko eqhelekileyo ayiphumeleli kwaye awukwazi ukuvala ngexesha, unokuphulukana nediphozithi eninzi.Kule meko, faka isicelo senkqubo 'Yokungabi Natyala', enokuvalwa kwisithuba seeveki ezintathu, kwaye nenkqubo yemali-mboleko ilula.

 

Ukuba unayo nayiphi na imibuzo okanye ufuna naluphi na uncedo, zive ukhululekile ukuqhagamshelana nathi!

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.