- 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:
Kuyendera malo obwereketsa kungakhale kovuta, koma AAA LENDINGS imapangitsa kuti ntchitoyi ikhale yosavuta, ndikupangitsa kuti ikhale yosangalatsa komanso yopanda nkhawa. Timapereka njira yosonkhanitsira zolemba zomveka bwino komanso zazifupi, zomwe zimakupatsani mwayi wotsitsa zolemba zofunika pa intaneti. Tikudziwa bwino kuti nthawi yanu ndi yofunika, ndipo popangitsa kuti ntchitoyi ikhale yosavuta, timakupangitsani kukhala otanganidwa ndikuwongolera ulendo wanu wobwereketsa. - AAA Lendings Non-QM Easily Qualified Asset only - ATR-In-Full - AAA Lendings , Zogulitsazo zidzaperekedwa padziko lonse lapansi, monga: Nigeria, Morocco, Sao Paulo, Zogulitsa zathu zakhala ndi mbiri yabwino chifukwa cha khalidwe lawo labwino, mitengo yapikisano komanso kutumiza mwamsanga pamsika wapadziko lonse. Pakalipano, tikuyembekezera moona mtima kugwirizana ndi makasitomala akunja akunja kutengera mapindu omwewo.
Wolemba EliecerJimenez waku Rio de Janeiro - 2018.06.26 19:27 Wogulitsa uyu amapereka zinthu zapamwamba kwambiri koma zotsika mtengo, ndi wopanga wabwino komanso wothandizana naye bizinesi.
Wolemba Eleanore waku Mexico - 2018.12.05 13:53 







