10/06/2023

Posachedwapa, ndidawona positi pabwalo pomwe wogwiritsa ntchito adayang'ana malo omwe ali bwino kwambiri kuti agulitse ndalama koma sanathe kupeza ngongole yanthawi zonse chifukwa cha ngongole yayikulu komanso mbiri yakale yolakwika yangongole.

Pambuyo pake, munthu wina anam’limbikitsa kuti amubwereke ngongole yandalama zolimba, zomwe zimatchedwa “ndalama,” zomwe zinachititsa kuti abwere ndi chiwongola dzanja chachikulu kwambiri!Chiwongola dzanja choposa khumi peresenti chinachepetsa kwambiri chiwongoladzanja chake chomaliza.

M'malo mwake, obwereketsa ambiri amakumana ndi izi, makamaka omwe akukhudzidwa ndi Flipping Houses kapena BRRRR (Buy, Rehab, Rent, Refinance, Repeat), nthawi zambiri amagwiritsa ntchito Ngongole za Hard Money kuti agulitse ndalama.Komabe, timapereka ngongole yosavuta komanso yothandiza yomwe simafuna kuti makasitomala azikhala ndi chiwongola dzanja chambiri komanso zoopsa.

Lero, ndiroleni ndikudziwitseni zamalonda athu a nyenyezi: Pulogalamu ya 'No Doc No Credit', yomwe imafuna zolemba zochepa komanso ili ndi liwiro lotseka!Ndizoyenera kwambiri kwa iwo omwe akufuna kuyika ndalama, ali ndi ndalama zambiri, koma alibe ndalama zokwanira kapena zosakhazikika kapena zolakwika za lipoti langongole.Ndi ngongole yobwereketsa katundu yomwe imasowa macheke!

Chiyambi cha Ntchito
The 'No Doc Palibe Ngongole' Program ndi ngongole ya zaka 4 yokhazikika Non-QM yogulira malo ogulitsa.
· Pulogalamuyi imafunikira palibe lipoti langongole, kuwunikiranso mawu aku banki, komanso kutsimikizira ndalama;
· Imaloleza ngongole mpaka $ 7.5 miliyoni, ndi chiwongolero cha ngongole mpaka 70%, kutanthauza kuti kulipira 30% kokha kumafunika;
· Ponena za zofunikira za thumba, wobwereketsa amangofunika kukhala ndi ndalama zolipirira + zolipirira + miyezi 36 yosungitsa (P&I), tsegulani akaunti yofunidwa ndi banki, ndikusungitsa zaka 3 za P&I zosungirako kuti mubweze;
· PPP ya chaka chimodzi (Chilango Cholipiriratu), choyenera kwambiri kwa alendo;
· Kuphatikiza apo, ntchitoyi sifunikira ndalama zochepa zobwereketsa, kutanthauza Debt Service Coverage Ratio (DSCR) alibe malire.

Q&A
Kodi ntchito yobwereketsa imeneyi ikufuna umboni uliwonse wandalama?
——Ayi, wobwereketsa amangofunika kunena zinthu zomwe zili pansi pa dzina lake mu fomu yofunsira.Ndalama zomwe zimafunikira zitha kusamutsidwa mwachindunji ku kampani ya Escrow ndi banki yosungitsa yomwe ikufunika ikafunika;palibe chifukwa choperekera malipoti aku banki kapena kuwona momwe amapezera ndalama.

Kodi miyezi 36 ya P&I reserves imatanthauza chiyani?
——P&I imanena za wamkulu ndi chidwi.Kubweza kwa obwereketsa kwa zaka zitatu zoyambirira kudzachotsedwa ku akaunti yomwe adatsegula, popanda kufunika kobwezeranso.Ngati wobwereka akubweza ngongoleyo pakatha chaka cha PPP, atha kubweza ndalama zotsalazo.Ngati palibe kulipira, ndiye kuti pambuyo pa chaka chachitatu (pamene ndalama zomwe zasungidwa zikugwiritsidwa ntchito), ayenera kuyikanso ndalama kuti ayambe kubweza.

Kodi ndifunika ndalama zingati kuti ndilembetse?
——Mwachitsanzo, ngati mukugula nyumba ya dola miliyoni imodzi ndikulipira 30%, muyenera kukonzekera pafupifupi 45% ya mtengo wanyumba mundalama, zomwe 15% yake iyenera kusungidwa kubanki yogulitsa. kwa kubweza m’zaka zitatu zoyambirira.

Chaka chimodzi PPP ikuyimira chiyani?
——PPP ikuyimira Chilango Cholipiriratu, kutanthauza kuti wobwereka sangagulitse nyumbayo, kulipira kapena kukonzanso mkati mwa chaka chimodzi, apo ayi, adzakhala ndi chilango cha 1% chobweza msanga malinga ndi ngongole yotsalayo.

Kodi pali zoletsa pakudziwika?
—— Anthu ndi makampani atha kulembetsa (kuphatikiza makampani akunja);zokhudzana ndi zizindikiritso, nzika zaku US, okhala ndi makhadi obiriwira, EAD, ndi alendo onse atha kulembetsa.

Kodi ndingalembetse fomu yofunsira ntchitoyi m'zigawo ziti?
—— Mutha kulembetsa ku California, Washington, ndi Oregon.

Ndani angapindule nazo?

1. Amene ali ndi ngongole zosakwanira, mbiri yolephera kubweza ngongole, kapena ngongole zochepa, osatha kupeza ngongole nthawi zonse.Zikatere, atha kulembetsa pulogalamu ya 'No Doc No Credit' ndikubweza ngongole zawo zikakwera.

2. Amene akugula nyumba zapamwamba za madola mamiliyoni kapena khumi koma alibe malipiro okwanira.Kwa nyumbazi, zolipira zotsika nthawi zambiri zimakhala zokwera (pafupifupi 50%).Ngati mungalembetse pulogalamu ya 'No Doc No Credit', mumangofunika pafupifupi 45% yandalama kuti mulembetse.

3. Osakhala obiriwira makadi, nzika, kapena alendo omwe akugulitsa malo ku US Nthawi zambiri zimatenga nthawi kusamutsa ndalama kuchokera kunja, ndipo ngakhale ndalamazo zitasamutsidwa ku US, ayenera kudikirira miyezi ingapo. .Dongosolo la 'No Doc No Credit' siliyang'ana komwe kuli katundu wamkulu, ndipo ndalama zonse zamphatso sizimakhudzidwa.

4. Amene ali mkati mothyola nyumba.Ngati mupempha ngongole ya banki yokhazikika, zimatenga masiku 30-45, kusowa mwayi wopeza nyumba yabwino.Kapena ngati ngongole yokhazikika ikulephera ndipo simungathe kutseka pa nthawi yake, mutha kutaya ndalama zambiri.Pamenepa, lembani pulogalamu ya 'No Doc No Credit', yomwe imatha kutsekedwa mkati mwa milungu itatu, ndipo njira yobwereketsa imakhalanso yolunjika.

 

Ngati muli ndi mafunso kapena mukufuna thandizo lililonse, omasuka kulankhula nafe!

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.