Mawu osakira: Palibe paystub;Palibe W2;Palibe Kubweza Msonkho;Palibe 4506-T;Palibe DU/LP
Ngongole zopanda QMndi njira inaqualified mortgage (QM) ngongole.Mwachindunji, aNgongole yopanda QMndi imodzi yomwe sifunikira kukumana ndi boma la feduro ndi malangizo a Consumer Financial Protection Bureau (CFPB) kuti apeze ngongole zanyumba zoyenerera.
1. Zolemba za Ndalama:
● Wobwereketsa Malipiro: WVOE
● Wobwereketsa Wodzigwira Ntchito: P&L, CPA Letter kapena;6 miyezi kubanki kapena;12/24 Malipoti a banki;ndi zina.
2. Katundu:
● Malipiro Ochepa + Mtengo Wotsekera + nkhokwe za miyezi 6 (Osachepera, za katundu woperekedwa.)
● Mphatso ikhoza kulandiridwa
3. Lipoti la Kuyesa:
Lipoti losachepera limodzi lathunthu
4. FICO (Ndalama za Ngongole):
Pafupifupi 620
5. LTV(Kubwereketsa-Kufunika):
Max.90%
Makamaka
Pulogalamu ya DSCR (Debt Service Coverage Ratio):
1) Palibe ntchito yobwereka kapena ndalama zomwe zingaphatikizidwe pazofunsira;
2) Osayenerera kukhala ndi eni ake kapena nyumba yachiwiri;
3) Palibe chiŵerengero cha DTI, wobwereka (a) akhoza kungoyenerera ndi chiŵerengero cha katundu wa DSCR (Ochepera 1.1);
4) Momwe mungawerengere chiŵerengero cha DSCR: Ndalama yobwereketsa / Mutu wa PITIA.
Nthawi yotumiza: Jan-21-2022