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Mwachidule

Pulogalamu yotchuka yachuma. Wobwereketsa ali ndi ndalama zina, zomwe zimatha kulipira mtengo wogula kapena kuchuluka kwa ngongole ndi mtengo wotseka. Palibe zambiri zantchito zofunika; Palibe DTI.

Mfundo Zazikulu za Pulogalamu

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.

Kodi ATR-In-Full ndi chiyani?

Pulogalamu ya ATR-In-Full ndi pulogalamu yazachuma, yomwe imakhala ndi katundu wokha.

Sitidzawerengera DTI kwa ofunsira omwe ali oyenerera potsimikizira Katundu kokha ("ATR-In-Full"). Mwachimake, ndalama zilizonse kapena ntchito zomwe zalembedwa muzofunsira zitha kuonedwa kuti ndizofunika kwambiri kwa wolembayo. M'malo mwake, ikhoza kusiyidwa yopanda kanthu.

Chiyeneretso

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 ya refinance, zinthu zonse zololeka ziyenera kufanana ndi ndalama zonse zangongole kuphatikiza 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 wobwereka ali ndi zaka 59.5 kapena kuposerapo, katundu woyenerera = $370,000 + $120,000 (60% ya IRA) = $490,000 ndi yochepa ndi $28,500.

Katundu Woyenera

Cash, stocks, bond and personal liquid assets (palibe katundu) = 100%.
Maakaunti opuma pantchito = 50% ngati 59 kapena achichepere ndi 60% ngati wamkulu.
Palibe ndalama zabizinesi.