- 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"). Papulogalamuyi, mutha kusiya gawo la ndalama zopanda kanthu pa pempho la ngongole chifukwa silikugwira ntchito pa pulogalamuyi.
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:
Ngakhale obwereketsa ambiri achepetsa kuchuluka kwawo, tikupitiliza kukulitsa kupezeka kwathu m'maboma osiyanasiyana, kuthandiza obwereketsa m'maboma 45, kuphatikiza misika ina yamphamvu kwambiri monga California ndi Texas. Kufikira kwathu kokulirapo kumatilola kumvetsetsa ndikusinthira kumadera osiyanasiyana, kuwonetsetsa kuti makasitomala athu m'maboma osiyanasiyana alandila thandizo la komweko pomwe akupindulabe ndi ukatswiri wadziko lonse. - AAA Lendings Non-QM Easily Qualified Asset only - ATR-In-Full - AAA Lendings , Chogulitsacho chidzaperekedwa kudziko lonse lapansi, monga: UK, Austria, United States, Pakalipano, tikupanga ndi kuwononga msika wamakona atatu & mgwirizano wanzeru kuti tikwaniritse njira zambiri zogulitsira malonda kuti tipeze msika wowoneka bwino. chitukuko. Lingaliro lathu ndikupanga zinthu zotsika mtengo komanso zothetsera, kulimbikitsa ntchito zabwino, kugwirira ntchito limodzi kuti tipindule kwanthawi yayitali komanso kwanthawi zonse, kutsimikizira njira zozama zamakasitomala abwino kwambiri ogulitsa ndi ogulitsa, njira yogulitsira yogwirizana ndi mtundu.
Wolemba Sahid Ruvalcaba waku Serbia - 2018.11.06 10:04 Gulu lazogulitsa ndi latsatanetsatane kwambiri lomwe lingakhale lolondola kwambiri kuti tikwaniritse zomwe tikufuna, katswiri wazamalonda.
Ndi Deborah waku Tunisia - 2017.10.25 15:53 






