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Mwachidule

Wobwereketsa adagulitsa bizinesi yawo ya madola mamiliyoni ambiri kenako adapeza nyumba ya maloto awo koma analibe gwero la ndalama zolembera.

Tsatanetsatane

1) Kufikira $ 2.5M ngongole ya ngongole;
2) Mpaka 80% LTV;
3) Chiŵerengero cha DTI ndi 50%;
4) Kutulutsa ndalama kumavomerezedwa;
5) Palibe chidziwitso chantchito pakufunsira ngongole;
6) Katundu amagawanitsa 84 kapena mawu angongole osakhazikika kuti wobwereketsa alandire ndalama zoyenerera.

Kodi Kuwonongeka Kwakatundu ndi Chiyani?

• Kodi ntchito yanu kapena ndalama zanu zalephera kuti mukhale ndi ngongole yanyumba?
Kodi muli ndi katundu wokwanira mu akaunti yanu?
• Kodi mudangogulitsa malo amodzi ndikufuna kugula nyumba ina?
Kodi simukufuna kupereka zolemba zamitundumitundu?
Kodi mukudabwa momwe obwereketsa amavomerezera ngongole yanu popanda kuganizira za DTI?

Kuchepetsa / Kugwiritsa Ntchito Katundu kumathandiza olembetsa awa mukakhala muzochitika izi. Ndi pulogalamu ya Non-QM, yomwe imatchedwanso "katundu wokha". Simufunikanso kupereka zidziwitso zilizonse zantchito ndi zikalata zopeza ndalama mukafunsira Kuchepa Kwakatundu.
Itha kugwiritsidwa ntchito ngati njira yokhayo yopezera ndalama pakuyenereza ngongole kapena kuwonjezera ndalama zina. Zomwe zimafunikira pazachuma pansi pa njira yoyenerera zimachotsedwa zikagwiritsidwa ntchito kuwonjezera ndalama zina, .

Ubwino Wowonongeka Kwakatundu

1) Palibe chifukwa choperekera zikalata zopezera ndalama;
2) Pulayimale Yokha;
3) Zolemba zochepa;
4) Easy ayenerere.

Zofunikira za Katundu

Katundu ayenera kukhala wamadzimadzi komanso kupezeka popanda chilango; zolemba zowonjezera zitha kufunsidwa kuti zitsimikizire komwe ndalamazo zidachokera:
• 100% ya ma Checking, Savings, and Money Market Accounts;
• 70% ya Stocks, Bond, and Mutual Funds;
• 70% ya Katundu Wopuma Pantchito: Woyenerera ngati wobwereka ali ndi zaka zopuma pantchito (osachepera 59 ½);
• 60% ya Katundu Wopuma Pantchito: Woyenerera ngati wobwereka alibe zaka zopuma pantchito.

Katundu Wosayenerera

Pa pulogalamuyi, mutha kusamalira zochepera pansipa. Mitundu ingapo yamitundu siyingagwiritsidwe ntchito:

• Equity mu Real Estate;
• Zogulitsa mwachinsinsi kapena zoletsedwa/zopanda ntchito;
• Katundu uliwonse womwe umatulutsa ndalama zomwe zaphatikizidwa kale pakuwerengera ndalama:
• Katundu aliyense ali ndi dzina la bizinesi.