Setsi sa Lihlahisoa

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.