Wholesale - AAA Lendings Non-QM Habonolo Qualified Asset khetho feela – ATR-In-Full – AAA Lendings alimang le motsetedi

Lintlha tsa Sehlahisoa

Ho rera bokamoso ba hau ba lichelete ho qala ka molekane ea nepahetseng oa ntlo ea ntlo, 'me ho AAA LENDINGS, re ikemiselitse ho u thusa ho fihlela litoro tsa hau. Re utloisisa hore leeto le lebisang ho beng ba matlo e ka ba ntho e thabisang empa hape e boima. Litsebi tsa rona tse nang le phihlelo ha li na litsebi tsa mekoloto feela; ke balekane ba hao ba lichelete. Li teng ho buisana ka lipakane tsa hau, ho lekola boemo ba hau ba lichelete, le ho fana ka tataiso e ikhethileng e hapang thahasello ea hau. Re motlotlo ka ho ba tataiso e u fang matla a ho etsa liqeto tse nepahetseng mabapi le bokamoso ba hau.1 Selemo sa Lekhetho la ho khutlisa ba alimang Mortgage,Tekanyetso e Tloaelehileng ea Kalimo,Nomoro ea Ts'ireletso ea Sechaba Bakeng sa ho Sebelisa Mokoloto oa Mokoloto, Re utloisisa hore ho khetha motho ea alimang ntlo ke qeto ea bohlokoa. Ho o thusa ho hokahana le AAA LENDINGS, re fana ka therisano ntle le mathata, ntle le boitlamo le basebeletsi ba rona ba litsebi tsa likalimo. Taba ena ea botho e u lumella ho utloa maikutlo a rona le ho botsa lipotso leha e le life tseo u ka bang le tsona. Re labalabela ho sebelisana le uena, ho utloisisa lipheo tsa hau, le ho fana ka lintlha tsa bohlokoa, kaofela ka lipuisano tse iketlileng le tse rutang.

- 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 matlotlo a itseng, a ka koahelang theko ea theko kapa chelete ea kalimo le litšenyehelo tsa ho koala. Ha ho na lintlha tsa mosebetsi tse hlokahalang; Ha ho na DTI.

Lintlha-khōlō Tsa Lenaneo

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 likhoeli tse 6 li bolokiloe ho tsoa licheleteng tsa motho ea alimang.

ATR-In-Full ke eng?

Lenaneo la ATR-In-Full hape ke lenaneo la thepa, le tšoanelehang ka thepa feela.

Re ke ke ra bala DTI bakeng sa bakopi ba tšoanelehang ka ho paka Matlotlo feela (“ATR-In-Full”). Bakeng sa lenaneo lena, o ka siea karolo ea chelete e se na letho mabapi le kopo ea kalimo kaha ha e sebetse lenaneong lena.

Tšoaneleho

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 ts'oana 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 motho ea alimang a le 59.5 kapa ho feta, thepa e tšoanelehang = $370,000 + $120,000 (60% ea IRA) = $490,000 'me e khutšoanyane ka $28,500.

Matlotlo a Tšoanelehang

Chelete, li-stock, bond le thepa ea motho ea mokelikeli (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.

Litšoantšo tsa lintlha tsa sehlahisoa:

Tataiso e Amanang ea Sehlahisoa:

Rea utloisisa hore mokoloto oa ntlo ha se ts'ebetso ea lichelete feela empa ke qeto ea bohlokoa ea bophelo. Tsepamiso ea rona ea ho tsepamisa maikutlo ho bareki e bolela hore ha re nahane feela ka lipalo; re nka pale ea hau e ikhethang, litabatabelo, le lipakane tsa lichelete. Litsebi tsa rona tsa mekoloto ea matlo li ipha nako ea ho utloisisa leeto la hau, ho etsa bonnete ba hore u fumana tharollo ea mokoloto e tsamaellanang le pono ea hau ea bokamoso. – AAA Likalimo Non-QM Easily Qualified asset only option – ATR-In-Full – AAA Lendings , Sehlahisoa se tla fana ka thepa lefatšeng ka bophara, joalo ka: Chile, Slovak Republic, Japan, Morero oa rona ke ho fana ka boleng bo holimo ho bareki ba rona le bareki ba bona. Boitlamo bona bo ama ntho e 'ngoe le e 'ngoe eo re e etsang, e re susumelletsa ho tsoela pele ho hlahisa le ho ntlafatsa lihlahisoa tsa rona le mekhoa ea ho phethahatsa litlhoko tsa hau.

-AAA Likoloto

Chaena, re na le balekane ba bangata, k'hamphani ena ke eona e re khotsofatsang ka ho fetisisa, boleng bo ka tšeptjoang le mokitlane o motle, ke habohlokoa ho ananeloa.
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