Bank Statement Overview
Isiteyithimenti sebhanki: Umboleki ozisebenzelayo onetyala eligqwesileyo nomvuzo wakhe ochazwe kwimbuyekezo yerhafu ayikufanelanga ukuba afumane ikhaya elitofotofo abanokulihlawula.
Ixabiso:COFA APHA
Amagqabantshintshi eNkqubo yeNgxelo yeBhanki
1) Ubukhulu.Imali-mboleko ye-$3M;
2) Ubukhulu.LTV 90%;
3) Umz.Fico 660;
4) Umz.Gcina iinyanga ezi-6;
5) Akukho Mbuyiselo yeRhafu.
Iinyanga ezili-12 ze-CPA P&L
Nceda ufowunele ixabiso malungaIkhaya elenziweyo , iminyaka eyi-1 ndiziqeshile, okanye imali-mboleko amt <$150K okanye > $3.0M.
Kutheni sikhetha iNkcazo yeBhanki?
Nangona abanini-zindlu abaninzi banokufaneleka ngokulula ukuba banikwe amaxwebhu apheleleyo kwi-mortgage eqhelekileyo, abaninzi abasayi kuhambelani nezikhokelo zikaFannie noFreddie xa kufikwa kwiimfuno zokuboleka imali.Ngethamsanqa, iimali-mboleko ezingezizo eze-QM kunye namaxwebhu engeniso yengxelo yebhanki zizisombululo ezintle kwaba baboleki bangengabo ngokwemveli.
Abantu abazisebenzelayo banesibonelelo sokucima iindleko ezininzi zeshishini phantsi kweKhowudi yeRhafu ye-IRS.Ukucima iindleko zoshishino kwingeniso yabo epheleleyo kunceda ababoleki ukuba banciphise ngokubonakalayo amatyala abo erhafu, kwaye ngamanye amaxesha kubonisa ilahleko iyonke okanye umvuzo ombi wonyaka.Ingxelo yeBhanki Imali-mboleko engeyiyo ye-QM iya kukwazi ukunceda aba baboleki ukuba bafanelekele ukubambisa ngaphandle kokubonisa iimbuyekezo zabo zerhafu kwaye basebenzise izitetimenti zabo zebhanki ukubonisa ukuhamba kwemali okuyinyani kweshishini labo.
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.Njengobungqina bengeniso, zombini iingxelo zebhanki zomntu kunye/okanye zeshishini zivumelekile.
Ubuncinci omnye wababoleki kufuneka azisebenzele ubuncinci iminyaka emi-2 ukuze afanelekele le nkqubo.Ubunini obuncinci be-25% kwishishini yimfuneko.Le yimfuneko eqhelekileyo yokuqinisekisa ukuba umboleki ngumboleki ozisebenzelayo.Kwimali-mboleko ye-arhente, sihlala sibhekisa ku-K-1 okanye kwiShedyuli G;ngelixa kwi-Non-QM mboleko, 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, aze aphindaphindeke ngeendleko eziqhelekileyo.Oko kufuneka kube yingeniso yomboleki efanelekileyo kule nkqubo.
Ngokubhekiselele kwindleko yeendleko, abatyali-mali abaninzi abangeyo-QM banokuba nomlinganiselo oqhelekileyo onjenge-50%.Nangona oku kuyimfuno yethu eqhelekileyo, kodwa ukuba iCPA yakho inokubonelela ngeleta enezizathu ezifanelekileyo, sinokuthathela ingqalelo inkcitho ebhetyebhetye ngenxa yobume beshishini buneendleko ezincinci.
Nceda uqhagamshelane neqela lethu ukuze uhlalutye simahla umvuzo ngaphambi kokuba ungenise imali-mboleko ukuze uncede abathengi bakho.
