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Uncedo lweNtlawulo ePhantsi lukaRhulumente (DPA) iNqanaba lokuqala
Uncedo lukaRhulumente lweNtlawulo yeNtlawulo (DPA) lubonelela ngeemali ezinkozo kubathengi abafanelekileyo bezindlu.
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Imali-mboleko yoLuntu ye-QM
Lonke uhlengahlengiso lwe-FICO<V luyekiwe
Ifumaneka ngokuthengwa kwe-FNMA DU kuphela kunye neMali-mboleko ye-FHLMC LP -
Akukho Doc Akukho Credit
Ngena kwi-No Doc Akukho kuthenga ngetyala: ikunika indlela elungelelanisiweyo yobunini-khaya kunye namaphepha amancinci kwaye akukho kuhlolwa kwetyala.Esi sisombululo senkxaso-mali esiguquguqukayo sivula iingcango kutyalo-mali lwepropathi koosomashishini kunye nababoleki abangengobantu bemveli.Funda ngendlela onokungenelwa ngayo namhlanje.
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UDoc ogcweleyo Jumbo
Fumana ulwazi oluthe kratya malunga neJumbo yokubambisa: olona khetho lufanelekileyo lwenkxaso-mali kumakhaya anqabileyo kunye neepropathi zexabiso eliphezulu.Ngemali-mboleko yeJumbo, unokuboleka ngaphezulu kwemida yemali-mboleko eqhelekileyo, ikunika ukufikelela kukhetho oluninzi kunye namathuba.Thelekisa amaxabiso kunye nemigaqo evela kubabolekisi abaphezulu namhlanje.
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I-DSCR (Umlinganiselo wokuBonelelwa kweNkonzo yeTyala)
Funda malunga ne-DSCR ye-mortgages: ukhetho lwemali-mboleko elungiselelweyo egxile kwi-Retio ye-Debt Service Coverage Ratio.Ilungele abatyali-mali abafuna ukonyusa ingeniso yerenti xa befaka isicelo semali mboleko.Fumana indlela ukuvavanya inzuzo yepropathi yakho kunokubonelela ngendlela egudileyo yenkxaso-mali.
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Uzilungisele ngokwakho Inzuzo kunye nelahleko
Fumanisa iNzuzo eZilungiseleleyo kunye neLahleko yokubambisa: Ilungele abantu abaziqeshileyo okanye abanini bamashishini abafuna ukubonisa ubungqina bengeniso.Qonda ukuba eyakho ingxelo ye-P&L inokukhawulezisa njani inkqubo yakho yemali-mboleko, ibonelela ngendlela eguquguqukayo yokukhusela ikhaya lamaphupha akho ngelixa ulawula iprofayile yakho yezemali.
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WVOE
Phonononga i-WVOE mortgages: ukhetho olusebenzayo lwemali-mboleko kubantu abaziqeshileyo.Qinisekisa umvuzo wakho ngaphandle kwamaxwebhu emveli, ukwenza inkqubo yokuboleka imali ibe lula kwaye ikhawuleze.Funda ukuba uQinisekiso oluBhaliweyo lweNgqesho lunokuyikhawulezisa njani indlela yakho yobunini-khaya.
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HELOC
Vula i-equity yekhaya lakho kunye ne-HELOC yokuboleka imali: isisombululo esiguquguqukayo sokuboleka esijika i-equity yendlu yakho ibe yimali efikelelekayo.Iphelele ekuphuculweni kwekhaya, ukudibanisa amatyala, kunye neendleko ezinkulu.Funda indlela yokukhulisa ixabiso lepropathi yakho ukuze ube bhetyebhetye olukhulu lwezemali namhlanje.
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Kuvaliwe Ukuphela Kwesibini
Ukuntywila kwiimali-mboleko ezivaliweyo zeSibini: imali-mboleko ekhuselwe yi-equity yekhaya lakho ngesixa esichaziweyo kunye nexesha.Ilungele abaninimzi abajonge ukuxhasa ngezimali iindleko ezinkulu ezifana nokuhlaziya okanye ukufundisa.Qonda indlela yokungena kwi-equity ngelixa ugcina iintlawulo zenyanga ezisisigxina.
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I-CRA WVOE kunye ne-CPA elungiselelwe iP&L
Phonononga ilizwe le-CRA WVOE kunye ne-CPA eLungisiweyo ye-P&L: Yenza lula inkqubo yakho yesicelo semali-mboleko ngeendlela ezizezinye zamaxwebhu engeniso.Qonda ukuba ezi ndlela zisebenzayo zingakukhawulezisa njani ukuvunywa kwemali-mboleko kubaboleki abazisebenzelayo kunye nabanini bamashishini, ukunceda ukukhusela imali ngokulula.
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Isiteyithimenti sebhanki
Fumana ulwazi olunzulu malunga neNkcazo yeBhanki yokubambisa: inketho yemali mboleko ebhetyebhetye kubaboleki abazisebenzelayo.Funda indlela yokusebenzisa iziteyitimenti zakho zebhanki ukuqinisekisa umvuzo, ukugqitha ukuqinisekiswa kwesiqhelo, kunye nokwenza indlela yakho yobunini bendlu ibe lula kwaye ilula.Fumana ngakumbi namhlanje.
