U.S.

Iziko leMveliso

Iinkcukacha zeMveliso

Isishwankathelo

Ababoleki bomvuzo 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;
I-2) ii-SFR, ii-2-4 Units, ii-Condos, ii-Townhomes, kunye ne-Non-Warrantable Condos.
3) Ubukhulu be-LTV 75%;
4) 620 okanye amanqaku aphezulu ekhredithi;
5) Akukho MI (i-Inshurensi ye-Mortgage);
6) DTI ratio-- Front 38% / Emva 43%.

WVOE (2)
WVOE (1)

Yintoni inkqubo?

Ngaba ukhe wadibana nolu hlobo lwetyala?
Ngaba imeko yoMboleki ihlaziywe iipaystubs kwakhona kwaye kwakhona???
Ngaba umbolekisi wayibala ingeniso yakho waza wakuxelela ukuba awufaneleki ukuba nendlu yokuboleka imali???
Ngaba unzima ukufumana iikopi zakho ze-W2 okanye iipaystubs???

Thina i-AAA yokuboleka ibonelela ngenkqubo engeyiyo ye-QM egqibeleleyo-- i-WVOE(uQinisekiso oluBhaliweyo lweNgqesho).Ukuba ababoleki abahlawulwayo bafumana umvuzo ongaguqukiyo okanye umvuzo kumqeshi njengembuyekezo yenkonzo enikezelweyo kwaye abanabo ubunini okanye ngaphantsi kwe-25% yenzalo yobunini kwishishini.

Ababoleki abahlawulwayo bafumana umvuzo ongaguqukiyo okanye umvuzo kumqeshi njengembuyekezo ngenkonzo abayenzileyo kwaye abanabo ubunini okanye ngaphantsi kwe-25% yenzala yobunini kwishishini.Imbuyekezo inokusekwe kwisiseko seyure, ngeveki, kwiveki ezimbini, ngenyanga, okanye phakathi kwenyanga.Ukuba ngeyure, inani leeyure ezicwangcisiweyo kufuneka ziqwalaselwe.Ingeniso eqinisekisiweyo kufuneka iguqulwe ibeyimali yedola yenyanga ukuze isetyenziswe kwisicelo esisemthethweni (iFomu ye-FNMA 1003).Ngokwengqiqo yombhali ophantsi, amaxwebhu ongezelelweyo engeniso angacelwa

Ziziphi iingenelo?

Kule nkqubo, umbolekisi ufuna kuphela ifom ye-WVOE ukubala umvuzo ofanelekileyo, akukho nawaphi na amanye amaxwebhu omvuzo afunekayo.Oku kufanele ukuba yeyona ngongoma inomtsalane kakhulu kule nkqubo.Akukho naziphi na iimali-mboleko ze-arhente ezinokwenza inkqubo enjalo.Ngaphandle koko, ngokwahlukileyo kwezinye iinkqubo, le nkqubo ayifuni asethi eninzi yabenzi-sicelo.Ngokubanzi, le yinkqubo elungileyo kubaboleki abahlawulwayo abangakwaziyo ukwenza imali mboleko ye-arhente.

Ukubala njani?

- Sebenzisa umvuzo osisiseko (isiqingatha senyanga, kabini ngeveki, okanye umlinganiselo weyure njengoko uxhaswa yi-YTD) evela kwi-WVOE.
Imizekelo:
◦ Isiqingatha senyanga: Imali ephindwe kabini ngenyanga ephindwa nge-2 ilingana nomvuzo wenyanga.
◦ Kabini ngeveki: Imali ephindwe kabini ngeveki iphindaphindwe ngama-26 yahlulwe nge-12 ilingana nomvuzo wenyanga.
◦ Utitshala ohlawule iinyanga ezili-9: Imali yenyanga iphindaphindwe ngeenyanga ezili-9 yahlulwe ngeenyanga ezili-12.
ilingana nomvuzo ofanelekileyo wenyanga.

Khumbuza umqeshi ukuba agcwalise ifom ye-WVOE, emva koko umbolekisi uya kuqhubeka nokuboleka imali ngokukhawuleza.

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