Mwachidule
Pulogalamu yotchuka yachuma.Wobwereketsa ali ndi ndalama zina, zomwe zimatha kulipira mtengo wogula kapena kuchuluka kwa ngongole ndi mtengo wotseka.Palibe zambiri zantchito zofunika;Palibe DTI.
Mfundo Zazikulu za Pulogalamu
1) Mpaka 75% LTV;
2) Kufikira $ 4M ngongole ya ngongole;
3) Malo okhalamo okha;
4) Palibe malire pa kuchuluka kwa katundu woperekedwa ndi ndalama;
5) Zosungirako zosachepera miyezi 6 kuchokera kundalama za wobwereka.
Kodi ATR-In-Full ndi chiyani?
Pulogalamu ya ATR-In-Full ndi pulogalamu yazachuma, yomwe imakhala ndi katundu wokha.
Sitidzawerengera DTI kwa ofunsira omwe ali oyenerera potsimikizira Katundu kokha ("ATR-In-Full").Papulogalamuyi, mutha kusiya gawo la ndalama zopanda kanthu pa pempho la ngongole chifukwa silikugwira ntchito pa pulogalamuyi.
Chiyeneretso
M'munsimu muli njira zowerengera:
Pangongole yogulira, zinthu zonse zololedwa ziyenera kufanana ndi mtengo wogulira kuphatikiza mtengo uliwonse wotseka.
Katundu> = Mtengo wogula + mtengo wonse wotseka
Pangongole ya refinance, zinthu zonse zololeka ziyenera kufanana ndi ndalama zonse zangongole kuphatikiza ndalama zotsekera.
Katundu >= Ndalama ya ngongole + mtengo wotsekera
Onani pansipa ziyeneretso, mutha kulozera ku njira zowerengera kuti muwone ngati mutha kuyenerera kaye musanagwiritse ntchito ngongole ndi obwereketsa:
Chitsanzo 1: Mtengo wogula kuphatikiza ndalama zotsekera = $768,500.Katundu wopezeka = $700,000 (ndalama) kuphatikiza $45,000 (50% ya IRA) = $748,000.Pafupifupi $20,500.Ngati wobwereka ali ndi zaka 59.5 kapena kuposerapo, katundu woyenerera angakhale $700,000 + $54,000 (60% ya IRA) = $754,000 ndi yochepa ndi $14,500.
Chitsanzo 2: Ndalama ya ngongole kuphatikiza ndalama zotsekera = $518,500.Katundu wopezeka = $370,000 (ndalama) + $100,000 (50% ya IRA) = $470,000.Pafupifupi $48,500.Ngati wobwereka ali ndi zaka 59.5 kapena kuposerapo, katundu woyenerera = $370,000 + $120,000 (60% ya IRA) = $490,000 ndi yochepa ndi $28,500.
Katundu Woyenera
Cash, stocks, bond and personal liquid assets (palibe katundu) = 100%.
Maakaunti opuma pantchito = 50% ngati 59 kapena achichepere ndi 60% ngati wamkulu.
Palibe ndalama zabizinesi.