11/17/2023

Ebomini, sihlala sidibana neziganeko ezahlukeneyo ezingalindelekanga ezinokufuna imfuno yemali ngequbuliso.Ukuba uzifumana ufuna imali ngaso nasiphi na isizathu kodwa unqwenela ukunqanda ukubuyisela imali, ukubambisa inokuba sisisombululo esihle kakhulu sokufumana imali.Ngokungena kwi-equity yekhaya lakho kunye nokuthabatha inzala yemali-mboleko yakho yesibini kweyokuqala, ungasebenzisa i-equity yekhaya lakho ngaphandle kokuchaphazela izinga lenzala yemali mboleko yakho yokuqala kwaye ngaphandle kwesidingo sokubuyisela imali.

Yintoni i-Closed-end Mortgage yesiBini?

A Kuvaliwe-Isiphelo SesibiniI-Mortgage (i-CES Loan) luhlobo lwemali-mboleko yesibini ekuvumela ukuba usebenzise i-equity yendlu yakho ngaphandle kokuchaphazela izinga lenzala yemali mboleko yakho yokuqala.Ezinye iimali mboleko zesibini "zivuliwe ziphelile," oku kuthetha ukuba unokuqhubeka nokutsala imali ukuya kuthi ga kwiqondo eliphezulu kwaye uphinde ubuyisele emva kokuhlawula, okufana nomgca wetyala.Nangona kunjalo, i-mortgage yesibini "evaliweyo" ithetha ukuba ufumana yonke imali-mboleko kwisixa esinye kwaye awukwazi kutsala nayiphi na imali eyongezelelweyo emva kokufumana imali-mboleko.

Isishwankathelo seProjekthi:
- Iinketho zomvuzo ezizezinye.
- Uphononongo lokubhala phantsi oluguquguqukayo.
- Ivumela zonke iintlobo zokuhlala.
- Ivumela ababoleki ukuba bakhuphe imali ngaphandle kokutshintsha izinga lenzala yemali mboleko yabo yokuqala.
- Iluncedo ekuhlanganiseni amatyala, ukulungiswa kwekhaya, kunye neziganeko zobomi obungalindelekanga.

Kutheni ukhetha iMali-mboleko yesiBini evaliweyo:
1. Quick Liquidity
Olu hlobo lwemali mboleko luvumela abaninimzi ukuba bafikelele ngokukhawuleza isixa esibalulekileyo semali.Ukusetyenziswa kwezi mali akuthintelwanga—ungayisebenzisela ukuhlawula amatyala, ukuxhasa ngemali imfundo eyongezelelekileyo, okanye ulungise izindlu ezinkulu ngaphandle kokubhenela kwimali-mboleko yobuqu okanye ezinye iindlela.
2. Inzala eZinzileyo
Ukuba ukhetha iIcala loLingano lwaseKhaya (HELOC), ungafumana inzala eguquguqukayo.Kuvaliwe-Isiphelo SesibiniIimali-mboleko zezindlu zibonelela ngokhetho lwenzala emiselweyo, enokuthi ilunge ukuba uyatshixa xa amaxabiso ephantsi.
3. IMfuneko yamanqaku asezantsi eTyala
Sinikezela ngezi mboleko kubaboleki ngamanqaku e-FICO asezantsi njenge-660, kunye nemali mboleko ephezulu ukuya kuthi ga kwi-550,000 yeedola kunye nesixa-mali esidityanisiweyo ukuya kuthi ga kwi-2,500,000 yeedola.
4. Umlinganiselo oPhezulu weMali-mboleko-kwixabiso
Sinikezela nge-LTV/CLTV ephezulu ye-75%-90%, kunye nowona mlinganiselo uphezulu weTyala-to-Income Ratio (DTI) yama-50%.
5.Akukho Mrhumo woMboleki
Akukho ntlawulo yesicelo se-mortgage, i-appraisal, ukubhala phantsi, ukusetyenzwa, i-inshurensi yokubambisa yabucala kunye nezinye iindleko zokuvala zomntu wesithathu
6. Abemi bamazwe angaphandle banokufaka isicelo
Inkqubo ayiphelelanga kubemi base-US;abaphambukeli abangahlali ngokusisigxina kunye nabaphambukeli abahlala ngokusisigxina nabo banelungelo lokufaka isicelo, ngaphandle kokuba banembali yetyala yase-US kunye nemvume yokusebenza.

Ukuququmbela,Kuvaliwe-Isiphelo SesibiniIimali-mboleko zibonelela abanini-zindlu ngendlela esebenzayo yokusebenzisa i-equity yezindlu zabo ngaphandle kwesidingo sokubuyisela imali kwaye ngaphandle kokutshintsha izinga lenzala yemali-mboleko yabo yokuqala.Olu hlobo lwemali-mboleko lubonakala ekwamkelweni kwayo kweentlobo ezahlukeneyo zengeniso kunye neendawo zokuhlala kunye nemfuno yayo yamanqaku e-FICO aphantsi njenge-660, enika indlela yemali ekhawulezayo.Ukhetho lwayo olusisigxina kunye nomlinganiselo ophezulu we-LTV / CLTV unika ukhuseleko olongezelelweyo kunye namandla okuboleka kubanikazi bezindlu.Ngaphaya koko, ayifikeleleki kubemi base-US kuphela kodwa nakubantu basemzini abafanelekileyo ngaphandle komthwalo wemali eyongezelelweyo yombolekisi, oko kuyenza ibe lolona khetho lufanelekileyo lokulawula ukudityaniswa kwamatyala, ukuphuculwa kwekhaya, okanye ezinye iimfuno zemali.I-AAA Lendings iseke indawo yayo kwimarike yemali-mboleko engeyiyo yendabuko ngenkonzo yobungcali, inika indlela esebenzayo kubaninimzi abaninzi ukuba bafezekise iinjongo zabo zemali.

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:Ukuvula iNkululeko yezeMali: IiNzuzo zokuKhetha iNgxowa-mali yesiBini yokuboleka imali evaliweyo

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.