Mwachidule
Gwiritsani ntchito chuma cha wobwereketsa kuti muyenerere, katundu wa wobwereketsa amayenera kulipira ndalama zosachepera miyezi 6 za ndalama zomwe amapeza pamwezi.
Tsatanetsatane
1) Mpaka 60% LTV;
2) Kufikira $ 2.5M ngongole ya ngongole;
3) 700 kapena zambiri zangongole;
4) DTI chiŵerengero-- Front 38% / Back 43%;
5) Palibe malire pa kuchuluka kwa malo omwe aperekedwa ndi ndalama.
Pulogalamuyi ndi chiyani?
Kodi mukudziwa momwe mungagwiritsire ntchito chuma kuti muyenerere kubwereketsa ngongole yanyumba?
• Kodi mudaimitsidwa kapena kukanidwa ndi wobwereketsa pa pulogalamu ya WVOE (Written Verification of Employment)?
Kodi mulibe chuma chochuluka mukafuna kugula nyumba yanu?
• Kodi abwana anu sanafune kukupatsani fomu ya WVOE kapena kugwirizana nawo?
Ngati mudakumanapo ndi zomwe zili pamwambapa, osadandaula, bwerani kwa ife ndipo tidzakubweretserani pulogalamu Yopanda QM----ABIO(Asset Based Income Option).Pulogalamuyi imadziwika bwino ndi pulogalamu ya {WVOE}, idapangidwira obwereka omwe amalipidwa komanso odzipangira okha.Ngongole zomwe si za QM zili ndi mapulogalamu ochepa omwe amalipira malipiro komanso eni mabizinesi onse atha kulembetsa.
Kodi pulogalamuyi imagwira ntchito bwanji?
Monga dzina la malonda, pulogalamuyi ilinso ndi katundu.Onani pansipa:
Ngati Njira Yopezera Ndalama Zapulogalamuyi yasankhidwa, wobwereketsa adzangofunika kupereka Ndalama Zogwirizana ndi Asset pa Loan Application (1003).Ndalamazi zidzagwiritsidwa ntchito kuwerengera ngongole yoyenerera ndi ndalama zomwe zafotokozedwa mu Gawo VIII la malangizowa.
Ndani angalembe fomu yofunsira pulogalamuyi?
Monga tafotokozera pamwambapa, chilichonse chomwe mungabwereke kapena kubwereketsa wodzilemba nokha, mutha kulembetsa pulogalamuyi.Ngati wobwereketsa malipiro, ndiye kuti palibe zikalata zapadera zomwe zimafunikira mukapereka ngongole yanyumba yatsopano ya Non-QM ndi wobwereketsa.Ngati wobwereka wodzilemba ntchito kapena 1099 wobwereka, mungafunike kalata yosavuta ya CPA.
Kodi pulogalamuyi imagwira ntchito bwanji?
Monga dzina la malonda, pulogalamuyi ilinso ndi katundu.Mosiyana ndi mapologalamu ena, obwereketsa sitifunika kukonza zikalata zapadera kuchokera kwa wobwereka.Ingokonzekerani zikalata zaku banki mukafunsira ngongole yanyumba, Onani pansipa kuti mudziwe zambiri:
Stated Revenue zikutanthauza kuti wobwereketsa anena zomwe amapeza pobweza ngongoleyo.Wobwereketsa adzatsimikizira kuti ndalama zomwe wobwereka amapeza pamwezi zitha kuthandizidwa ndi katundu wa "Liquid" asanatseke.
Ngati Njira Yopezera Ndalama Zapulogalamuyi yasankhidwa, wobwereketsa adzangofunika kupereka Ndalama Zogwirizana ndi Asset pa Loan Application (1003).Ndalamazi zidzagwiritsidwa ntchito kuwerengera ngongole yoyenerera ndi ndalama zomwe zafotokozedwa mu Gawo VIII la malangizowa.
