Mwachidule
Si onse obwereka omwe amakwanira bwino m'mabokosi omwe amafunidwa ndi obwereketsa achikhalidwe.Obwereketsa ena ndi osunga ndalama, odzilemba okha ntchito, amalonda, opuma pantchito, kapena kungopeza ndalama zawo.Ndi anthu omwe ali ndi udindo pazachuma, koma sangakhale ndi magwero a ndalama omwe angathe kuwerengeka mosavuta.
AAA LENDINGS Mapulogalamu a Mortgage akuchepetsa Chuma amalola obwereketsa amtunduwu kuti agwiritse ntchito chuma chawo komanso bizinesi ngati njira yoti athe kubweza ngongole yanyumba.
Mfundo Zazikulu za Pulogalamu
1) Kufikira $ 2.5M ngongole ya ngongole;
2) Mpaka 80% LTV;
3) Chiŵerengero cha DTI ndi 50%;
4) Kutulutsa ndalama ndikovomerezeka;
5) Chidziwitso cha ntchito sichofunikira pakufunsira ngongole.
Kodi Kuwonongeka Kwakatundu ndi Chiyani?
• Kodi ntchito yanu kapena ndalama zanu zalephera kuti mukhale ndi ngongole yanyumba?
Kodi muli ndi katundu wokwanira mu akaunti yanu?
• Kodi mudangogulitsa malo amodzi ndikufuna 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 muzochitika izi.Ndi pulogalamu ya Non-QM, yomwe imatchedwanso "katundu wokha".Obwereketsa safunikira kupereka zidziwitso zilizonse zantchito kapena zikalata zopeza ndalama akapempha kuti Asset Depletion.
Itha kugwiritsidwa ntchito ngati njira yokhayo yopezera ndalama pakuyenereza ngongole kapena kuwonjezera ndalama zina.Zomwe zimafunikira pazachuma pansi pa njira yoyenerera zimachotsedwa zikagwiritsidwa ntchito kuwonjezera ndalama zina.
Ubwino Wowonongeka Kwakatundu
1) Palibe chifukwa choperekera zikalata zopezera ndalama;
2) Pulayimale Yokha;
3) Zolemba zochepa;
4) Easy ayenerere.
Zofunikira za Katundu
Katundu ayenera kukhala wamadzimadzi komanso kupezeka popanda chilango;zolemba zowonjezera zitha kufunsidwa kuti zitsimikizire komwe ndalamazo zidachokera:
• 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 Wosayenerera
Pulogalamuyi, obwereka ayenera kudziwa zomwe zili pansipa.Zida zamitundu ingapo sizingagwiritsidwe ntchito:
• 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.
