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Setsi sa Lihlahisoa

Lintlha tsa Sehlahisoa

Boitlamo ba rona ba ponaletso bo fetela ka nģ'ane ho mekhahlelo ea pele ea ts'ebetso ea mekoloto ea matlo. Re etsa bonnete ba hore o na le kutloisiso e hlakileng ea lipehelo tsa ntlo ea hau, ho kenyeletsoa litefiso tsa tsoala, litefiso le litšenyehelo tsa ho koala. Ha ho na lintho tse makatsang ka letsatsi la ho qetela. Re ikemiseditse ho o fa ditlhaloso tse totobetseng, tse se nang jargon, hore o tle o tsebe ho bona dintlha tsa ditjhelete tsa theko ya hao ya lehae kapa ya ditjhelete ka botshepehi.New Jersey Mortgage Broker Kapa Mo alimang,Ntlo ea Mokoloto oa Mokoloto,Borrowers Certification And Authorization, Karolo ea bohlokoa ea ho hohela thahasello ea hau ke lebelo leo ka lona u ka fumanang tlhaiso-leseling ea bohlokoa ea ntlo. Webosaete ea rona e na le setsi sa tsebo, se nchafalitsoeng khafetsa ka lingoliloeng tse mabapi le mefuta e mengata e amanang le mokoloto oa ntlo. Ho tloha ho utloisisa lintlha tsa mokoloto ho isa ho ho hlakola litšenyehelo tsa ho koala, lisebelisoa tsena li etselitsoe ho u thusa le ho u ruta ka lebelo la hau, ho etsa hore leeto la hau le khahlise le ho ba le tsebo.
- Khetho feela ea AAA ea ho alima eo e seng ea QM Habonolo - ATR-In-Full - Lintlha tsa Kalimo tsa AAA:

Ha e na lebitso-9

Kakaretso

Lenaneo le tummeng la thepa. Motho ea alimang o na le chelete e itseng, e ka koahelang theko ea theko kapa chelete ea kalimo le litšenyehelo tsa ho koala. Ha ho lintlha tsa mosebetsi; Ha ho na DTI.

Lintlha

1) Ho fihlela ho 75% LTV;
2) Ho fihlela ho $ 4M chelete ea kalimo;
3) Bolulo ba mathomo feela;
4) Ha ho na meeli ea palo ea thepa e tšehetsoeng ka lichelete;
5) Bonyane lichelete tsa likhoeli tse 6 ho tsoa licheleteng tsa motho ea alimang.

Lenaneo lee ke lefe?

Lenaneo la ATR-In-Full le lona ke lenaneo la thepa, le tšoanelehang ka thepa feela. Khetho e ntle ea likalimo tsa Non-QM.
Likalimo tsa AAA li ke ke tsa bala DTI bakeng sa bakopi ba tšoanelehang ka ho paka Matlotlo feela ("ATR-In-Full"). Ka mokhoa o ts'oanelang, chelete leha e le efe kapa mosebetsi o thathamisitsoeng kopong o tla nkoa e le oa bohlokoa ho motho ea ngotseng, 'me joalo ka eena, o ka sala o se na letho. Haeba mosebetsi le chelete li ka hlahisoa kopong, DTI ha ea lokela ho baloa

U tseba joang hore na u ka ba le thepa e tšoanelehang bakeng sa lenaneo lee?

Ka tlase ke mekhoa ea ho bala:
Bakeng sa kalimo ea theko, kakaretso ea thepa e lumelletsoeng e tlameha ho ts'oana le theko le litšenyehelo tsohle tsa ho koala.
Thepa >= Theko ea theko + litšenyehelo tsohle tsa ho koala
Bakeng sa kalimo ea refinance, kakaretso ea thepa e lumelletsoeng e tlameha ho tsamaisana le chelete e felletseng ea kalimo hammoho le litšenyehelo tsa ho koala.
Thepa >= Chelete ea kalimo + litšenyehelo tsa ho koala

Sheba lintlha tse ka tlase tsa maemo, u ka sheba mekhoa ea lipalo ho bona hore na u ka tšoaneleha pele pele u etsa kopo ea likalimo le ba alimang:

Boemo ba 1: Theko ea theko le litšenyehelo tsa ho koala = $768,500. Thepa e fumanehang = $700,000 (polokong) mmoho le $45,000 (50% ea IRA) = $748,000. Haufinyane ka $20,500. Haeba motho ea alimang a le 59.5 kapa ho feta, thepa e tšoanelehang e ka ba $700,000 + $54,000 (60% ea IRA) = $754,000 'me e khutšoanyane ka $14,500.
 
Boemo ba 2: Chelete ea kalimo le litšenyehelo tsa ho koala = $518,500. Matlotlo a fumanehang = $370,000 (polokong) + $100,000 (50% ea IRA) = $470,000. Ka bokhutšoanyane ka $48,500. Haeba 59.5 kapa ho feta, thepa e tšoanelehang = $370,000 + $120,000 (60% ea IRA) = $490,000 le e khutšoanyane ka $28,500.

Ke thepa efe e loketseng lenaneo lee?

Chelete, li-stock, li-bond le thepa ea motho (ha ho na thepa) = 100%
Litlaleho tsa ho tlohela mosebetsi = 50% haeba 59 kapa e monyenyane le 60% haeba e moholo
Ha ho na chelete ea khoebo

Melemo ke efe?

Min. Likhoeli tse 6 tsa Reserves

Litšoantšo tsa lintlha tsa sehlahisoa:

- Khetho feela ea AAA ea ho alima eo e seng ea QM - ATR-In-Full - AAA Lits'oants'o tsa Kalimo

Tataiso e Amanang ea Sehlahisoa:
Ho tsamaisa sebaka sa mekitlane ho ka ba thata, empa AAA LENDINGS e nolofatsa ts'ebetso, e etsa hore e kopanele ebile e se na khatello ea maikutlo. Re fana ka sistimi e hlakileng le e khuts'oane ea pokello ea litokomane, e u lumellang ho kenya litokomane tse hlokahalang inthaneteng. Re tseba hantle hore nako ea hau e bohlokoa, 'me ka ho etsa hore ts'ebetso e be bonolo, re u boloka u ikakhetse ka setotsoana le ho laola leeto la hau la ho reka ntlo. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Sehlahisoa se tla fana ka thepa lefatšeng ka bophara, joalo ka: Mexico, Thailand, Australia, Re qetile lilemo tse fetang 20 re etsa lihlahisoa tsa rona . Haholo-holo etsa wholesale , kahoo re na le theko ea tlhōlisano ka ho fetisisa , empa boleng bo phahameng ka ho fetisisa. Lilemong tse fetileng, re bile le maikutlo a matle haholo, eseng feela hobane re fana ka lihlahisoa tse ntle, empa hape le ka lebaka la ts'ebeletso ea rona e ntle ea kamora ho rekisa. Re mona re u emetse bakeng sa lipatlisiso tsa hau.
    • Re k'hamphani e nyane e sa tsoa qala, empa re fumana tlhokomelo ea moetapele oa k'hamphani mme a re fa thuso e ngata. Re tšepa hore re ka hatela pele hammoho!
    5 LinaleliKa Delia ho tsoa Korea Boroa - 2017.02.14 13:19
    Ha ho bonolo ho fumana mofani ea joalo oa setsebi le ea ikarabellang mehleng ea kajeno. Re tšepa hore re ka boloka tšebelisano ea nako e telele.
    5 LinaleliKa Monica ho tsoa Lebanon - 2017.06.16 18:23

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