Iziko leMveliso

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

    Umboleki wathengisa ishishini labo lezigidi zeedola emva koko wafumana ikhaya lamaphupha abo kodwa wayengenamthombo wengeniso yokubhala.

  • Umvuzo ongeyo-QM kunye neNkqubo ye-Asethi yomboleki oziqeshileyo – i-ABIO (uKhetho loMvuzo oluSekelwe kwi-Asethi)

    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) Umlinganiselo we-DTI– Ngaphambili 38%/ Umva 43%;5) Akukho mida kwinani leepropati ezibonelelwe ngemali.Yintoni le nkqubo?• Ngaba uyayazi indlela yokusebenzisa i-asethi kuphela ukuze ufaneleke kwimali mboleko yendlu yakho?• Ingaba uye wanqunyanyiswa okanye wakhatywa ngumbolekisi nge-WVOE (Isiqinisekiso esiBhaliweyo...
  • I-Non-QM ye-Asethi eLungeneyo ngokuLula ukhetho kuphela - i-ATR-In-Full

    Isishwankathelo Inkqubo ye-asethi edumileyo.Umboleki unemali ethile, enokuhlawula ixabiso lokuthenga okanye ixabiso lemali-mboleko kunye neendleko zokuvala.Akukho lwazi lomsebenzi;Hayi i-DTI.Iinkcukacha 1) Ukuya kuthi ga kwi-75% LTV;2) Ukuya kuthi ga kwi-4M yemali-mboleko;3) Indawo yokuhlala ephambili kuphela;4) Akukho mida kwinani leepropati ezibonelelwe ngemali;5) Ubuncinci beenyanga ezi-6 zokugcina kwiimali zomboleki.Yintoni le nkqubo?Inkqubo ye-ATR-In-Full ikwayinkqubo ye-asethi, efanelekile nge-asethi kuphela.Ukhetho olulungileyo lwe-Non-...
  • Inkqubo eNgenayo i-QM enomdla – i-Diamond Jumbo (Efana neMali-mboleko yeSiqhelo)

    Overview Diamond Jumbo, kubaboleki abangakwaziyo ukwenza Non-arhente Jumbo.Imali-mboleko eyongezelelekileyo/ iDTI ePhezulu/ i-LTV ePhezulu/ iipropati ezixhaswa ngemali engasikelwanga mda.Iinkcukacha 1) Ubukhulu be-DTI ngama-55%;2) Ukuya kuthi ga kwi-4M yemali-mboleko;3) Ukuya kwi-90% ye-LTV;4) Akukho MI (i-Inshurensi ye-Mortgage);5) 575 okanye amanqaku aphezulu ekhredithi;6) iinyanga ezi-6 okanye ngaphezulu zogcino;I-7) imbuyekezo yerhafu yonyaka we-1 iyafumaneka.Yintoni le nkqubo?Ngaba ukhe wadibana nemeko engezantsi?• Umbolekisi akanakho ukuvumela isicelo sakho semali-mboleko ephezulu?•Awukwazi ukufikelela kwi-LTV ephezulu ...
  • I-AAA yeMali-mboleko engangqinelaniyo-i-Jumbo Loan(Imali-mboleko ePhezulu)

    Isishwankathelo somda wemali-mboleko ephezulu kuneemali-mboleko eziqhelekileyo ze-arhente.Iinkcukacha 1) Ubukhulu be-DTI ngama-43%;2) Ukuya kuthi ga kwiMali yeMali-mboleko ye-2M;3) Ukuya kuthi ga kwi-80% Max LTV;I-4) i-2-year-tax returns iyadingeka;5) Akukho MI (i-Inshurensi ye-Mortgage);6) 720 okanye amanqaku aphezulu ekhredithi;7) Iinyanga ezili-12 okanye ngaphezulu zogcino;8) SFRs, 2-4 Units, PUDs, Condos;9) Iimveliso ezingezizo ze-AUS.Yintoni iJumbo Loan?I-jumbo loan luhlobo lwenkxaso-mali edlula imida ebekwe yi-Federal Housing Finance Agency kwaye ayinakuthengwa, iqinisekisiwe, ...
  • I-DSCR engeyiyo i-QM (iNkqubo yokuBonelela iNkonzo yeTyala).

    Uninzi lwemveliso elula kwiindidi zeenkqubo ze-Non-QM.
    Akukho Mvuzo/ Akukho Msebenzi/ Akukho ziBuyiselo zeRhafu, kungekho nokuthelekisa umlinganiselo we-DTI njengemali-mboleko eqhelekileyo.Kuphela ukuba ipropati yomxholo iyipropathi yotyalo-mali.

  • Non-QM 12 okanye 24-yeNyanga Personal / Business Bank Ingxelo ngeNkqubo

    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)

  • Inkqubo yoMboleki engeyiyo ye-QM yoMvuzo- i-WVOE (uQinisekiso oluBhaliweyo lweNgqesho)

    Ababoleki bomvuzo kuphela, abangakwaziyo ukuhamba kunye ne-arhente mboleko ye-mortgage, kwaye abafuni ukubonelela ngeendlela ezahlukeneyo zamaxwebhu engeniso.

  • Inkqubo yomboleki ozisebenzelayo ongeyo-QM- P&L(Inzuzo kunye nelahleko)

    Isishwankathelo sababoleki abazisebenzelayo kuphela, abangakwaziyo ukuhamba kunye ne-arhente mboleko ye-mortgage, kwaye abafuni ukubonelela ngeendlela ezahlukeneyo zamaxwebhu engeniso.Iinkcukacha 1) Ukuya kuthi ga kwi-2.5M yemali-mboleko;2) Ukuya kuthi ga kwi-75% LTV;3) 620 okanye amanqaku aphezulu ekhredithi;4) Abemi bamazwe angaphandle abakhoyo ** 5) Akukho MI (i-Inshurensi ye-Mortgage);6) Umlinganiselo we-DTI– Ngaphambili 38%/ Umva 43%;7) UMboleki olungiselelwe iP&L yamkelwe** Yintoni le nkqubo?Ngubani onokufaka isicelo sale nkqubo?• Ngaba ungumboleki ozisebenzelayo?• Ngaba uboleke...
  • Iimali-mboleko eziQhelekileyo ze-AAA kuninzi lwabaBoleki eUnited States

    Yintoni iMali-mboleko eQhelekileyo?Imali-mboleko ehambelanayo yimali-mboleko enemigaqo nemiqathango ehlangabezana nemilinganiselo yenkxaso-mali kaFannie Mae noFreddie Mac.Imali-mboleko ehambelanayo ayinakudlula umda othile wedola, otshintsha unyaka nonyaka.Ngo-2022, umda yi-647,200 yeedola kwiindawo ezininzi zase-US kodwa uphezulu kwezinye iindawo ezibiza kakhulu.Unokukhangela kwi-intanethi kwimali mboleko yedolophu nganye ehambelana nemida yemali mboleko kulo nyaka.Imishini kaFannie Mae kunye noFreddie Mac iziphumo i...