- Kubwereketsa kwa AAA Non-QM Mosavuta Katundu Woyenerera - ATR-In-Full - Tsatanetsatane wa Kubwereketsa kwa AAA:

Mwachidule
Pulogalamu yotchuka yachuma. Wobwereka ali ndi ndalama zina, zomwe zimatha kulipira mtengo wogula kapena kuchuluka kwa ngongole ndi mtengo wotseka. Palibe zambiri zantchito; Palibe DTI.
Tsatanetsatane
1) Mpaka 75% LTV;
2) Kufikira $ 4M ngongole ya ngongole;
3) Malo okhalamo okha;
4) Palibe malire pa kuchuluka kwa katundu woperekedwa ndi ndalama;
5) Zosungirako zosachepera miyezi 6 kuchokera kundalama za wobwereka.
Pulogalamuyi ndi chiyani?
Pulogalamu ya ATR-In-Full ndi pulogalamu yamtengo wapatali, yomwe imakhala ndi katundu wokha. Kusankha kwabwino kwa ngongole za Non-QM.
Kubwereketsa kwa AAA sikungawerengere DTI kwa ofunsira omwe ali oyenerera potsimikizira Katundu kokha ("ATR-In-Full"). Mwachimake, ndalama zilizonse kapena ntchito zomwe zalembedwa pa pempholo zitha kuonedwa ngati zosafunikira kwa wolembayo ndipo, monganso wina, akhoza kusiyidwa opanda kanthu. Ngati ntchito ndi ndalama zidzayimiridwa pa pempho, DTI siyenera kuwerengedwa
Mumadziwa bwanji ngati mutha kukhala oyenerera pulogalamuyi?
M'munsimu muli njira zowerengera:
Pangongole yogulira, zinthu zonse zololedwa ziyenera kufanana ndi mtengo wogulira kuphatikiza mtengo uliwonse wotseka.
Katundu> = Mtengo wogula + mtengo wonse wotseka
Pangongole yobwereketsa ndalama, zinthu zonse zovomerezeka ziyenera kufanana ndi ndalama zonse zangongole komanso ndalama zotsekera.
Katundu >= Ndalama ya ngongole + mtengo wotsekera
Onani pansipa ziyeneretso, mutha kulozera ku njira zowerengera kuti muwone ngati mutha kuyenerera kaye musanagwiritse ntchito ngongole ndi obwereketsa:
Chitsanzo 1: Mtengo wogula kuphatikiza ndalama zotsekera = $768,500. Katundu wopezeka = $700,000 (ndalama) kuphatikiza $45,000 (50% ya IRA) = $748,000. Pafupifupi $20,500. Ngati wobwereka ali ndi zaka 59.5 kapena kuposerapo, katundu woyenerera angakhale $700,000 + $54,000 (60% ya IRA) = $754,000 ndi yochepa ndi $14,500.
Chitsanzo 2: Ndalama ya ngongole kuphatikiza ndalama zotsekera = $518,500. Katundu wopezeka = $370,000 (ndalama) + $100,000 (50% ya IRA) = $470,000. Pafupifupi $48,500. Ngati 59.5 kapena kuposerapo, katundu woyenerera = $370,000 + $120,000 (60% ya IRA) = $490,000 ndi yochepa ndi $28,500.
Kodi zinthu zoyenerera pulogalamuyi ndi ziti?
Ndalama, masheya, ma bond ndi katundu wamadzimadzi (palibe katundu) = 100%
Maakaunti opuma pantchito = 50% ngati 59 kapena achichepere ndi 60% ngati wamkulu
Palibe ndalama zabizinesi
Ubwino wake ndi wotani?
Min. 6 miyezi Reserves
Zithunzi zatsatanetsatane wazinthu:
Zogwirizana nazo:
Kupanga zatsopano ndi gawo la DNA yathu. Timafunafuna mosalekeza njira zowonjezerera kubweza ngongole kwa makasitomala athu. Njira yathu yamakono yogwiritsira ntchito pa intaneti, kasamalidwe ka zikalata zotetezedwa, ndi njira zoyankhulirana za digito zimapereka ulendo wobwereketsa wopanda mapepala. Ndi AAA LENDINGS, mutha kuyembekezera kubwereketsa kwanyumba kwamakono, kothandiza, komanso kotetezeka komwe kumayenderana ndi dziko lothamanga kwambiri laukadaulo. Kumasuka kwanu ndi chitetezo ndizofunika kwambiri kwa ife. - AAA Lendings Non-QM Easily Qualified Asset only - ATR-In-Full - AAA Lendings , Zogulitsazo zidzaperekedwa padziko lonse lapansi, monga: Mauritania, Madras, Croatia, Kugwira ntchito ndi opanga zinthu zabwino kwambiri, kampani yathu ndi chisankho chanu chabwino. Ndikukulandirani ndi manja awiri ndikutsegula malire a kulumikizana. Ndife bwenzi labwino la chitukuko chanu cha bizinesi ndipo tikuyembekezera mgwirizano wanu wowona mtima.
Wolemba Diego waku USA - 2017.09.28 18:29 Ubwino wazinthu ndi wabwino, dongosolo lotsimikizira zatha, ulalo uliwonse utha kufunsa ndikuthetsa vutoli munthawi yake!
Wolemba James Brown waku Detroit - 2017.11.29 11:09 






