12/05/2023

Kuhambo olungalindelekanga lobomi, imfuno yokuguquguquka kwezemali ibaluleke kakhulu.I-Prime Closed End Second (iNkulumbuso CES)ivela njengebhakana yethemba, inika abaninimzi indlela entsha yokulawula imali ngaphandle kwemiqobo yokubuyisela imali.

Yintoni kanye kanyeInkulumbuso yeCES?Ngokufana nokuValwa kweSibini sokubolekwa kwezindlu, iNkulumbuso ye-CES ivumela abaninimzi ukuba basebenzise ukulingana kwamakhaya abo.Nangona kunjalo, i-Prime CES ime yodwa kunye neempawu zayo ezizodwa eziyilelwe imeko yezemali yanamhlanje.Ibonelela ngeenzuzo zazo zombini izisombululo ze-"Stand-Alone CES" kunye ne "Piggy Back", ibonelela ngesixhobo sezemali esiguquguqukayo nesinobuchule.

I-Stand-Alone CES: Le yimali-mboleko yesibini ezimeleyo, enika abaninimzi isixa-mali ngaphandle kwesidingo sokuguqula imali-mboleko ekhoyo.
I-Piggy Back: Lo mbono ubandakanya ukuthatha imali mboleko yesibini ngaxeshanye neyokuqala, rhoqo ukunqanda i-inshurensi ye-mortgage yabucala okanye ukufumana imali-mboleko enkulu.

Inkulumbuso yeCESijongana noluhlu olubanzi lweemfuno zemali, ukusuka ekuqiniseni amatyala ukuya ekulungisweni kwekhaya.Amandla ayo emarike makhulu, elungiselela abo bafuna ukuhlawula amatyala ngokukhawuleza ngaphandle kokuzinikela kwexesha elide lokuxhasa ngemali kwakhona.

Inkulumbuso yeCESigqwesa iimveliso zemali zemveli kunye nokuguquguquka kwayo.Ungafikelela kwisixa-mali esibalulekileyo ngesiqinisekiso semali-nzala emiselweyo, oko kuyenza ibe lukhetho olunomtsalane kwixesha lokuguquguquka kwemilinganiselo.Ngaphezu koko, yamkela ababoleki ngamanqaku asezantsi etyala, ukwandisa ukufikelela kwayo.

Abaninimzi abaninzi sele bexhamlileInkulumbuso yeCES.Umzekelo, umxhasi wayefuna imali engxamisekileyo yokulungiswa kwekhaya.Nge-Prime CES, bakwazile ukukhusela isixa esifunekayo ngokukhawuleza, ngaphandle kokutshintsha inzala yemali-mboleko yabo yokuqala.

NgelixaInkulumbuso yeCESibonelela ngeenzuzo ezininzi, kubalulekile ukuqonda iingozi zayo, ezifana neziphumo zokusebenzisa ukulingana kwekhaya.Nangona kunjalo, ngesikhokelo esifanelekileyo kunye nocwangciso, le mingcipheko inokulawulwa ngokufanelekileyo.

Ikamva leInkulumbuso yeCESikhangeleka ithembisa, kunye nezinto ezintsha ezinokubakho ezibonelela ngedemografi ebanzi ngakumbi.Ukuziqhelanisa nokutshintsha kweemarike kwenza ukuba ibe sisixhobo esixabisekileyo socwangciso lwemali lwexesha elizayo.

Inkulumbuso yeCESimi njengobungqina bokusungula izinto ezintsha kwezemali.Inika abaninimzi umdibaniso okhethekileyo wokungabi namali, uzinzo, kunye nokuguquguquka.Kwimeko yezemali ehlala iguquka, i-Prime CES yi-AAA Lendings ayikho nje imveliso yemali-mboleko;yindlela yokufezekisa iinjongo zemali ngokuzithemba nangokulula.

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:I-Prime Closed End Second: Isitshixo sakho kwi-Flexibility Financial

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.