- Pulogalamu ya AAA Yobwereketsa Non-QM Non-DTI ratio - Kuwonongeka Kwakatundu (Katundu Wokha) - Tsatanetsatane wa Kubwereketsa kwa AAA:

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 pulogalamuyo ndi chiyani?
• Kodi ntchito yanu kapena ndalama zanu zalephera kuti mukhale ndi ngongole yanyumba?
Kodi muli ndi katundu wokwanira mu akaunti yanu?
• Kodi munangogulitsa malo amodzi nkufuna 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 mumkhalidwewu. Ndi pulogalamu ya Non-QM, yomwe imatchedwanso "katundu wokha". Simufunikanso kupereka zidziwitso zilizonse zantchito ndi zikalata zopeza ndalama mukafunsira pulogalamuyi.
Itha kugwiritsidwa ntchito ngati njira yokhayo yopezera ndalama pakuyenereza ngongole kapena kuwonjezera ndalama zina. Akagwiritsidwa ntchito powonjezera ndalama zina, zofunikira zochepa zomwe zili pansi pa njira yoyenerera zimachotsedwa.
Phindu lake ndi chiyani?
1) Palibe chifukwa choperekera zikalata zopezera ndalama;
2) Nyumba ya pulayimale yokha;
3) Zolemba zochepetsedwa
4) Easy ayenerere
Ndi zinthu ziti zomwe zingagwiritsidwe ntchito pologalamuyi?
Katundu ayenera kukhala wamadzimadzi komanso kupezeka popanda chilango; Zolemba zowonjezera zitha kufunsidwa kuti zitsimikizire komwe ndalamazo zinachokera:
• 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 wosayenera kuthetsedwa
Pa pulogalamuyi, mutha kusamalira zochepera pansipa. Mitundu ingapo yamitundu singagwiritsidwe ntchito ngakhale mutha kugwiritsa ntchito zinthu izi nokha:
• 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.
Zithunzi zatsatanetsatane wazinthu:
Zogwirizana nazo:
Transparency ndiye maziko a ntchito zathu. Timanyadira kulankhulana kwathu momasuka komanso moona mtima ndi makasitomala athu. Palibe malipiro obisika, palibe zodabwitsa. Timapereka zidziwitso zomveka bwino, zomveka bwino zazomwe mungasankhe panyumba yobwereketsa, kuwonetsetsa kuti muli ndi zowona zonse kuti mupange zisankho mozindikira. Cholinga chathu ndi kupanga chidaliro ndi makasitomala athu polankhula mosapita m'mbali komanso momveka bwino, ndikupangitsa kuti ndalama zanu zapakhomo zikhale zosavuta momwe mungathere. - Pulogalamu ya AAA Yobwereketsa Non-QM Non-DTI ratio - Kuwonongeka Kwakatundu(Katundu Wokha) - Kubwereketsa kwa AAA , Zogulitsazo ziziperekedwa padziko lonse lapansi, monga: Belgium, Kyrgyzstan, Birmingham, Zogulitsa zathu zimapangidwa ndi zida zabwino kwambiri. Mphindi iliyonse, timakonza pulogalamu yopangira nthawi zonse. Pofuna kuonetsetsa kuti ntchito yabwino ndi yabwino, takhala tikuyang'ana kwambiri pakupanga. Talandira kutamandidwa kwakukulu ndi anzathu. Tikuyembekezera kukhazikitsa ubale wamabizinesi ndi inu.
Ndi Rose waku kazan - 2017.04.28 15:45 Gwirizanani nanu nthawi zonse ndizopambana, zokondwa kwambiri. Ndikukhulupirira kuti titha kukhala ndi mgwirizano wambiri!
Wolemba John biddlestone waku Turkey - 2017.09.09 10:18 





