Iziko leMveliso

Iinkcukacha zeMveliso

Isishwankathelo

Umboleki ozisebenzelayo onetyala eligqwesileyo nomvuzo wakhe ochazwe kwimbuyekezo yerhafu ungabafanelanga ukufumana ikhaya elitofotofo abanokulifikelela.Ufaneleka nge-100% kwiiDipozithi zeAkhawunti yoBuqu kunye ne-50% kwiiDipozithi zeAkhawunti yeShishini (iinyanga ezili-12 ezilandelelanayo)

2- 12 or 24-Month Bank Statement (1)

Iinkcukacha

1) Ukuya kuthi ga kwi-4M yemali-mboleko;
2) Ukuya kuthi ga kwi-90% Max LTV;
3) Ukuziqeshisa kunye nabaBoleki abayi-1099;
4) 575 okanye amanqaku aphezulu ekhredithi;
5) Akukho vimba ofunekayo kwi-75% okanye ngaphantsi kwe-LTV;
6) Akukho 4506T / Akukho K1's / Akukho P & L's;
7) Akukho MI (i-Inshurensi ye-Mortgage).

Kutheni sikhetha le nkqubo?

Nangona uninzi lwabantu baseMelika lungakwazi ukufumana amaxwebhu apheleleyo kwimali mboleko yendlu yesiqhelo, abaninzi abakangeni kwizikhokelo zikaFannie noFreddie xa kufikwa kwiimfuno zokuboleka.Ngethamsanqa, iimali-mboleko ezingezizo ze-QM kunye namaxwebhu engeniso yengxelo yebhanki sisisombululo esihle kwaba baboleki bangenamveli.

Ingakumbi, abaziqeshileyo abarhola imivuzo banobunewunewu bokucima iindleko ezininzi zeshishini phantsi kweKhowudi yeRhafu ye-IRS.Ukucinywa kweendleko zoshishino kwingeniso yabo yesambuku kunceda abantu abazisebenzelayo abazisebenzelayo ukuba bahlawule kancinci kwirhafu yengeniso.

Abantu abaninzi abazisebenzelayo nabanoogcino-zincwadi abalumkileyo badla ngokuhlawula kancinane okanye bangayihlawuli irhafu ngenxa yokuxhaphaza iikhowudi zerhafu.Abaninzi banomvuzo ongemhle.Ngelishwa, ukucinywa okuninzi kuthetha ukuba abasebenzi abazisebenzelayo banomvuzo onzima ukuba bafanelekele ukubolekwa imali.Ababolekisi bemveli baya kusebenzisa ingeniso epheleleyo ehlengahlengisiweyo xa bebala umvuzo ofanelekileyo.Iindaba ezimnandi kubathengi bamakhaya abaziqeshileyo abanemali-mboleko engeyiyo eye-QM.Sine-Non-QM yokubambisa kubaboleki abazisebenzelayo ngaphandle kweembuyekezo zerhafu yengeniso ezifunekayo.Kweli nqaku, siza kuxoxa kwaye sigubungele iimali mboleko zebhanki ezingezizo ze-QM kubaboleki abazisebenzelayo.

Ingaba le nkqubo yenzelwe bani?

Le nkqubo yenzelwe ababoleki abazisebenzelayo nabaza kuxhamla kwezinye iindlela zokufaneleka mboleko.Iziteyitimenti zebhanki zisenokusetyenziswa njengenye indlela kwiimbuyekezo zerhafu ukuze kubhalwe ingeniso yomboleki ozisebenzelayo.Ngaphandle koko, iingxelo zebhanki zobuqu kunye/okanye zeshishini zonke zivumelekile.

Ubuncinci omnye wababoleki kufuneka azisebenzele ubuncinci iminyaka emi-2 (25% okanye ubunini obungaphezulu) ukuze afanelekele le nkqubo.Le yimfuneko eqhelekileyo yokuqinisekisa ukuba umboleki ngumboleki ozisebenzelayo na.Ngamanye amaxesha, umboleki angaba nobunini beshishini, nangona kunjalo, sibala kuphela njengababoleki abaziqeshileyo xa lingaphezulu kwama-25%.Kwimali-mboleko ye-arhente, sihlala sibhekisa ku-K-1 okanye kwiShedyuli G;ngelixa iimali-mboleko ze-Non-QM, sihlala sifuna ileta ye-CPA ukuze siqinisekise ubunini bokwenene.

Ngokuqhelekileyo, umbolekisi uya kubala umvuzo ofanelekileyo ngokuthatha ixabiso eliqhelekileyo lesiteyitimenti sebhanki kwiinyanga ezili-12 okanye ezingama-24, emva koko aphindaphinde inkcitho eqhelekileyo.Oko kufuneka kube ngumvuzo ofanelekileyo womboleki kule nkqubo.

Ngokubhekiselele kwindleko yeendleko, abatyali-mali abaninzi abangeyo-QM banokuba nomlinganiselo oqhelekileyo onjenge-50%.Sinale mfuneko ngokunjalo.Nangona kunjalo, ukuba i-CPA yakho inokubonelela ngeleta enezizathu ezifanelekileyo, sinokuthathela ingqalelo into yeendleko eziguquguqukayo.Ungagqithi kumlinganiselo omncinci ~

Ukuba unazo naziphi na iimfuno, qhagamshelana nathi kuqala, sinokunikela ngokubalwa kwengeniso yamahhala yangaphambili.Oko kufanele ukuba luncedo kuni nonke ngakumbi amaGosa eMali-mboleko yezindlu, ukunika inkonzo kubathengi bakho ngcono.

2- 12 or 24-Month Bank Statement (2)

  • Ngaphambili:
  • Okulandelayo: