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Setsi sa Lihlahisoa

Lintlha tsa Sehlahisoa

Boitlamo ba rona ba bokhabane le boinehelo ho bareki ba rona bo re khothalelitse ho atolosa ts'ebetso ea rona ho pholletsa le litereke tse 45, ho kenyeletsoa Arizona, California, Washington DC, Florida, Nevada, le Texas, har'a tse ling. Leha ho le joalo, katleho ea rona ha e hlalosoe ke lipalo feela. Maikutlo a mangata a matle le botumo bo matla ba ho bua ka molomo boo re bo entseng e le bopaki ba tšepo le kholiseho eo 'maraka o e behileng ho rona.Boemo ba Mokoloto oa Mokoloto oa 2020,Lenaneo la Pheliso ea Letlotlo,Melemo ea Capital, Ho AAA LENDINGS, re sebetsa tlas'a tumelo e tiileng ea hore 'Ha ho na Mokoloto o ke keng oa khoneha.' Tumelo ena ke eona e susumetsang ts'ebetso ea rona 'me e kenyelelitsoe lepetjong la rona, O khona ho Thusa, Kamehla. E akaretsa moelelo oa 'nete oa mofuta oa rona oa AAA. Rea hlokomela hore bareki ba fapaneng le maemo a fapaneng a likalimo a hloka litharollo tse ikhethang, 'me re ikemiselitse ho fana ka tsona.
- 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:
Nako ea hau ke ea bohlokoa, 'me re hlompha seo. Ho AAA LENDINGS, re ikemiselitse ho ntlafatsa ts'ebetso ea sekoloto sa ntlo ho u bolokela nako le matsapa. Sesebelisoa sa rona sa Marang-rang se bonolo ho se sebelisa ebile se entsoe ka boiketlo ba hau kelellong. O ka tlatsa kopo ka lebelo la hau, ho tsoa boiketlong ba ntlo kapa ofisi ea hau. Rea tseba hore u na le bophelo bo maphathaphathe, 'me re ikemiselitse ho etsa hore ts'ebetso ea mekoloto e be monate, e sebetse hantle, hape e boloke nako. - 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: Cancun, Cologne, Stuttgart, Re tsotella mehato e 'ngoe le e 'ngoe ea litšebeletso tsa rona, ho tloha ho khetho ea fektheri, nts'etsopele ea lihlahisoa & moralo, lipuisano tsa theko, tlhahlobo, ho tsamaisa thepa ho ea ka mor'a moo. Hona joale re kentse ts'ebetsong mokhoa o tiileng le o feletseng oa taolo ea boleng, o tiisang hore sehlahisoa ka seng se ka finyella litlhoko tsa boleng ba bareki. Ntle le moo, litharollo tsohle tsa rona li hlahlobiloe ka thata pele li romelloa. Katleho ea Hao, Khanya ea Rona: Sepheo sa rona ke ho thusa bareki ho hlokomela lipheo tsa bona. Re etsa matsapa a maholo ho fihlela boemo bona ba katleho 'me re u amohela ka tieo hore u be le rona.
    • Re metsoalle ea khale, boleng ba sehlahisoa sa k'hamphani esale bo le botle haholo 'me lekhetlong lena theko le eona e theko e tlase haholo.
    5 LinaleliKa Federico Michael Di Marco oa Nairobi - 2017.12.19 11:10
    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.
    5 LinaleliKa Emma oa London - 2018.06.28 19:27

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