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

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.
Zithunzi zatsatanetsatane wazinthu:
Zogwirizana nazo:
Timamvetsetsa kuti kubwereketsa ngongole sikungotengera ndalama koma ndi chisankho chofunikira pamoyo. Kuyang'ana kwathu pakukula kwamakasitomala kumatanthauza kuti sitingoganizira manambala; timaganizira nkhani yanu yapadera, zokhumba zanu, ndi zolinga zanu zachuma. Akatswiri athu obwereketsa ndalama amatenga nthawi kuti amvetsetse ulendo wanu, ndikuwonetsetsa kuti mukulandira yankho la ngongole yanyumba yomwe ikugwirizana ndi masomphenya anu amtsogolo. - AAA Lendings Non-QM Easily Qualified Asset only option - ATR-In-Full - AAA Lendings , Chogulitsacho chidzaperekedwa ku dziko lonse lapansi, monga: Nigeria, Uruguay, Southampton, Tsopano, ife mwaukadaulo timapereka makasitomala ndi katundu wathu waukulu Ndipo bizinesi yathu singogula ndi kugulitsa, komanso kuganizira kwambiri. Tikufuna kukhala wothandizira wanu wokhulupirika komanso wothandizira kwanthawi yayitali ku China. Tsopano, Tikuyembekeza kukhala abwenzi ndi inu.
Ndi Odelia waku Armenia - 2017.11.29 11:09 Bizinesiyo ili ndi likulu lamphamvu komanso mphamvu zopikisana, zogulitsa ndizokwanira, zodalirika, kotero tilibe nkhawa pochita nawo.
Ndi Pearl waku Pakistan - 2017.09.30 16:36 






