Amagama angundoqo: Akukho paystub;Hayi W2;Akukho Mbuyiselo yeRhafu;Akukho 4506-T;Akukho DU/LP
Iimali-mboleko ezingezizo eze-QMyenye indlelaiimali-mboleko eziqinisekisiweyo ze-mortgage (QM)..Ngokuthe ngqo, aImali-mboleko engeyiyo ye-QMYenye engafunekiyo ukuhlangabezana norhulumente womanyano kunye nezikhokelo zoKhuseleko lwezeMali loMthengi (CFPB) izikhokelo zeemali mboleko eziqinisekisiweyo.
1. Amaxwebhu eNgeniso:
● Umvuzo (aba)boleki-mali: WVOE
● UMboleki (aba)ziqeshileyo: P&L, CPA Letter okanye;Iingxelo zebhanki zeenyanga ezi-6 okanye;12/24 iingxelo zebhanki;njl.
2. I-asethi:
● Intlawulo ephantsi + Iindleko zokuvala + iinyanga ezi-6 zokugcinwa (ubuncinane, kuphela kwipropati yomxholo.)
● Isipho sinokwamkelwa
3. Ingxelo yoVavanyo:
Ubuncinci ingxelo enye epheleleyo yovavanyo
4. I-FICO(Inqaku leTyala):
Ukulinganisa 620
5. LTV(Imali-mboleko-kwiXabiso):
Max.90%
Ingakumbi
Inkqubo ye-DSCR (Umlinganiselo weNkonzo yeTyala):
1) Akukho msebenzi womboleki okanye umvuzo oza kubandakanywa kwisicelo;
2) Ayifanelanga ukuba ngumnini okanye ikhaya lesibini;
3) Akukho mlinganiso we-DTI, umboleki-mali unokufaneleka kuphela ngepropathi yesifundo DSCR ratio (Ubuncinane 1.1);
4) Ubalwa njani umlinganiselo we-DSCR: Ingeniso yerenti yesifundo/ Intlawulo yesifundo se-PITIA.
Ixesha lokuposa: Jan-21-2022