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

Lintlha tsa Sehlahisoa

Thuto ea bareki ke motheo oa morero oa AAA LENDINGS. Re lumela hore motho ea alimang ka tsebo ke moalimi ea nang le matla. Ke ka lebaka leo re nkang sebaka se eketsehileng ho fana ka lisebelisoa tsa thuto le tataiso ho u thusa ho sebetsana le mathata a ts'ebetso ea sekoloto sa ntlo. Sehlopha sa rona se ikemiselitse ho araba lipotso tsa hau, ho hlalosa mathata a sekhahla sa tsoala, likhetho tsa mekoloto, le tse ling, ho netefatsa hore u etsa liqeto tse nang le tsebo. Tsebo ea hau ea lichelete le boitšepo li bohlokoa ho rona.Thahasello e Tsitsitseng,Mortgage Broker Vs Bank,Litlhokahalo tsa 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 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:

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 Lendings Non-QM Easily Qualified Asset only option - ATR-In-Full - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: Uzbekistan, Moldova, Austria, Re tsitlallela ho Quality First, Reputation First le Customer First. Re ikemiselitse ho fana ka lihlahisoa tsa boleng bo holimo le litšebeletso tse ntle ka mor'a thekiso. Ho fihlela joale, lihlahisoa tsa rona li rometsoe linaheng tse fetang 60 le libakeng tse pota-potileng lefats'e, tse kang Amerika, Australia le Europe. Re thabela botumo bo phahameng lapeng le kantle ho naha. Ka linako tsohle re phehella molao-motheo oa Mokitlane, Moreki le Boleng, re lebelletse tšebelisano 'moho le batho likarolong tsohle tsa bophelo molemong oa bobeli.

-AAA Likoloto