IWholesale Engeyiyo ye-QM yoMvuzo kunye neNkqubo ye-Asethi yomboleki oziqeshileyo – i-ABIO (uKhetho loMvuzo oluSekelwe kwi-Asethi) umbolekisi kunye nomtyali-mali |AAA UKUBOleka

Iinkcukacha zeMveliso

Isishwankathelo

Sebenzisa i-asethi yomboleki ukuze ufaneleke, ii-asethi zomboleki kufuneka zihlawule ubuncinane iinyanga ezi-6 zeedipozithi zomvuzo wenyanga.

Iinkcukacha

1) Ukuya kuthi ga kwi-60% LTV;
2) Ukuya kuthi ga kwi-2.5M yemali-mboleko;
3) 700 okanye amanqaku aphezulu ekhredithi;
4) DTI ratio-- Front 38%/ Emva 43%;
5) Akukho mida kwinani leepropati ezibonelelwe ngemali.

Yintoni le nkqubo?

• Ngaba uyayazi indlela yokusebenzisa i-asethi kuphela ukuze ufaneleke kwimali mboleko yendlu yakho?
• Ngaba uye wanqunyanyiswa okanye wakhatywa ngumbolekisi ngenkqubo ye-WVOE (i-Written Verification of Employment)?
• Ngaba awuna-asethi ingako xa ufuna ukuthenga indlu yakho?
• Ngaba umqeshi wakho ebengafuni kukubonelela ngefomu ye-WVOE okanye asebenzisane nayo?

Ukuba ukhe wadibana nale meko ingentla, akukho maxhala, yiza kuthi kwaye siza kukwazisa ngenkqubo ye-Non-QM kuwe----ABIO(I-Asset Based Income Option).Inkqubo iqhelene nenkqubo ye- {WVOE}, yenzelwe ababoleki abahlawulwayo kunye nababoleki abazisebenzelayo.Iimali-mboleko ezingezizo ze-QM zineenkqubo ezincinci ezintle kangangokuba abarhola imivuzo kunye nabanini bamashishini banokufaka izicelo zombini.

Isebenza njani le nkqubo?

Kanye njengegama lemveliso, le nkqubo ifanelekile nge-asethi nayo.Bona ngezantsi:

Ukuba uKhetho lweNgeniso eSekelwe kwi-Asethi yale nkqubo yemali-mboleko ikhethiwe, umboleki kuya kufuneka kuphela ukuba abonelele ngeNgeniso ye-Asethi eSekelwe kwiSicelo seMali-mboleko (1003).Le ngeniso iya kusetyenziswa ukubala ityala elifanelekileyo kumlinganiselo wengeniso ekuxoxwe ngawo kwiCandelo VIII lezi zikhokelo.

Ngubani onokufaka isicelo sale nkqubo?

Njengoko kukhankanyiwe apha ngasentla, nokuba ungumboleki womvuzo okanye ozisebenzelayo, ungafaka isicelo sale nkqubo.Ukuba umvuzo umboleki, akukho maxwebhu akhethekileyo afunekayo xa ufaka isicelo semali mboleko yendlu entsha ye-Non-QM kunye nombolekisi.Ukuba ozisebenzelayo umboleki okanye 1099 mboleki, unokufuna ileta elula CPA.

Isebenza njani le nkqubo?

Kanye njengegama lemveliso, le nkqubo ifanelekile nge-asethi nayo.Ngokungafaniyo nezinye iinkqubo, thina mboleki akufuneki silungiselele nawaphi na amaxwebhu akhethekileyo avela kumboleki.Lungiselela nje iziteyitimenti zebhanki eziqhelekileyo xa ufaka isicelo semali mboleko yendlu yakho, Bona apha ngezantsi ngolwazi lwakho:

Ingeniso echaziweyo ithetha ukuba umboleki uchaza umvuzo wakhe okhoyo ngoku ofanelekileyo kwisicelo semali-mboleko.Umbolekisi uya kuqinisekisa ukuba umvuzo wenyanga womboleki unokuxhaswa ngempahla ye-“Liquid” ekuvaleni kwangaphambili.

Ngaphambili: INkqubo ye-Non-QM engeyiyo ye-DTI – Ukupheliswa kwe-Asethi(I-Asethi Kuphela)

Okulandelayo: I-Non-QM ye-Asethi eLungeneyo ngokuLula ukhetho kuphela - i-ATR-In-Full