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Tsatanetsatane wa Zamalonda

EQ Yatsekedwa Mapeto Achiwiri

Mwachidule

Easy Woyenerera Anatseka Mapeto Chachiwiri.

Nthawi Yobwereketsa: Yokhazikika;Zaka 15 Balloon.

Tsatanetsatane

1) Ngongole Yachiwiri ya Standalone ndi Piggyback Zonse Zilipo;
2) Pulayimale ndi Investment Katundu Alipo;

3) Palibe Chilango Cholipiriratu;
4) Palibe Zosungira Zofunika;

5) Kuchuluka kwa Ngongole: $ 75,001 - $ 450,000;
6) Max.CLTV: 85%.

*Ndalama zangongole zimatsitsidwa mpaka $100 yapafupi

Zolemba Zopeza

Option1: Ndemanga za Banki - 12 Mths Personal & Business Bank Stmts

★Payekha & Bizinesi-Zophatikiza kapena Bizinesi (12mo.):
§ Osachepera mmodzi wa obwereketsa ayenera kudzilemba ntchito kwa zaka zosachepera 2 (25% kapena umwini waukulu);
§ Kuwonongeka kwa Chuma kuloledwa ndi zolemba za Bank Statement;
§ Zinthu zomwe zimagwiritsidwa ntchito nthawi zonse: 50% yamtengo wapatali:
①Ngati bizinesi ikugwira ntchito <standard cost factor, P&L kapena kalata yamtengo wapatali yochokera ku CPA, CTEC (California Tax Education Council), kapena EA (Enrolled Agent) ikufunika;
②Chinthu chotsika mtengo chomwe chili ndi gulu lachitatu lokonzekera P&L kapena kalata ndi 20%.

★Pawekha & Mabizinesi Alekanitsidwa (12mo.):
①Osachepera m'modzi mwa obwereketsa akuyenera kudzilemba ntchito kwa zaka zosachepera ziwiri (25% kapena umwini waukulu);
②Kuwonongeka kwa Katundu kuloledwa ndi zolemba za Bank statement;
③Mwayekha omwe amagwiritsidwa ntchito kuti ayenerere, bizinesi ya miyezi itatu kuwonetsa ndalama zabizinesi kuti agwiritse ntchito 100% ya madipoziti okhudzana ndi bizinesi muakaunti yanu (palibe ndalama).

Option2: Doc Yathunthu - 1 Yr & 2Yrs

General Guide

★30/15yr Balloon &40/15yr Balloon min loan ndalama $200k.
★Maximum Combined Liens - $2 M.
★Zolemba zaku banki zaposachedwa kwambiri za miyezi iwiri ndizofunikira.
★Katundu Wamtundu - SFR, PUD, Condo-Warrantable.
★Katundu omwe agulitsidwa m'miyezi 12 yapitayo sakuyenera.
★Obwereka - Woyenerera Kukhala Mzika Yaku US, Mlendo Wosakhala Wamuyaya (wokhala ndi US Credit), Mlendo Wokhazikika Wamuyaya.Ndiosayenera kwa omwe Sakhala nawo omwe amabwereketsa & mabungwe.
★ mizere itatu yamalonda yopereka lipoti kwa miyezi 12+ kapena mizere iwiri yopereka lipoti kwa miyezi 24+ yonse ndi zochitika m'miyezi 12 yapitayi.
★Credit Event Seasoning - miyezi 48 - Kutseka, kugulitsa pang'ono, deed m'malo, bankirapuse.Palibe zochitika zingapo m'zaka 7 zapitazi.
★Ngongole Yonyozetsa - Palibe zolipiritsa kapena zosonkhetsa m'miyezi 48.Palibe mizere yachigawenga potseka.
★Housing Lates - 0x30x12 Pandalama zonse za obwereketsa.Mbiri ya nyumba yosachepera miyezi 12 yofunikira.

★Zofunikira pakuyesa:
①Kuyesa kwam'mbuyo mkati mwa miyezi 12 + Kuwunika kwa Zogona.Mtengo wobwereza uyenera kukhala wofanana kapena wokulirapo kuposa kuwerengera;
②Kuwunika kwatsopano kwa 2055 ndi Kuwunika kwa Malo okhalamo mtengo wothandizira mkati mwa kusiyana kwa 10%.Zotsika paziwiri zomwe ziyenera kugwiritsidwa ntchito;
③Misika ikutsika ndi 75% CLTV pa Eni Eni / Panyumba Yachiwiri.Zoposa 70% CLTV pa Osakhala Mwini Okhala.


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