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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 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.