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

Lintlha tsa Sehlahisoa

Ho AAA LENDINGS, re lumela ho khutlisetsa bareki ba rona ba bohlokoa. Ke ka hona re fanang ka lenaneo la botšepehi le u putsang bakeng sa ts'epo ea hau le tšebelisano e tsoelang pele le rona. Lenaneo la rona la bots'epehi le etselitsoe ho u boloka u tšoarehile 'me u ananeloa, le fana ka melemo e khethehileng le litheolelo bakeng sa bareki ba rona ba khutlang. Boitlamo ba hau ho AAA LENDINGS bo lemohuoa ebile bo putsoa, 'me re ikitlaelletsa ho etsa hore thahasello ea hau e tsoelang pele litšebeletsong tsa rona e be boiphihlelo bo khotsofatsang.Ba alimang Mekoloto ea Matlo,Most Professional Mortgage Alinder,Ba alimang Mokoloto oa Matlo oa Virginia, 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:

Leha ba alima chelete ba bangata ba lekantse boholo ba bona, re ntse re tsoela pele ho holisa boteng ba rona ho pholletsa le linaha tse fapaneng, re sebeletsa batho ba alimang liprofinseng tse 45, ho kenyeletsoa le mebaraka e matla joalo ka California le Texas. Phihlello ea rona e atolohileng e re lumella ho utloisisa le ho ikamahanya le maemo a tikoloho, ho netefatsa hore bareki ba rona ba literekeng tse fapaneng ba fumana tšehetso ea lehae ha ba ntse ba rua molemo ho tsoa ho boiphihlelo ba naha ka bophara. - AAA Lendings Non-QM Easily Qualified Asset only option - ATR-In-Full - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: UK, Austria, United States, Ho sa le joalo, re ntse re haha le ho sebelisa 'maraka oa likhutlo tse tharo le tšebelisano-'moho molemong oa ho fihlela ketane ea phepelo ea limmaraka tse ngata bakeng sa ho holisa le ho holisa mebaraka ea rona. ntshetsopele. Filosofi ea rona ke ho theha lihlahisoa le litharollo tse baballang litšenyehelo, ho khothaletsa lits'ebeletso tse phethahetseng, ho sebelisana 'moho bakeng sa melemo ea nako e telele le e tšoanang, ho tiisa mokhoa o tebileng oa sistimi e ntle ea barekisi le baemeli ba mebaraka, sistimi ea ts'ebelisano ea tšebelisano ea brand.

-AAA Likoloto

Re qetile lilemo tse ngata re sebetsa indastering ena, re ananela maikutlo a mosebetsi le bokhoni ba tlhahiso ea k'hamphani, enoa ke moetsi ea hlomphehang le ea hloahloa.
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