Wholesale - AAA Lendings Non-QM Non-DTI ratio Programme – Pheliso ea Thepa(Thepa Feela) – AAA Lendings alimang le motsetedi

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.Lenaneo la Pheliso ea Letlotlo,Ba alimang Mekoloto ea Matlo,Thahasello e Tsitsitseng, E Thehiloe ka 2007, AAA LENDINGS ke mokoloto ea tsebahalang ea nang le nalane e ruileng ea lilemo tse fetang 15. Re se re tumme ka boitlamo ba rona bo sa thekeseleng ba ho fana ka litšebeletso tse ikhethang le ho tšepahala lefatšeng la likalimo tsa ntlo. Potefolio ea rona e makatsang ea likalimo ke bopaki ba boiphihlelo le bokhoni ba rona, ka kakaretso e makatsang ea likalimo e fetang $20 bilione. Ho theosa le lilemo, matla ana a lichelete a re nolofalelitse ho thusa malapa a ka bang 50,000 ho finyella merero ea bona ea ho alima matlo, ho etsa hore litoro tsa beng ba matlo li phethahale.

- Lenaneo la Kalimo la AAA Non-QM Non-DTI - Pheliso ea Thepa(Thepa Feela) - Lintlha tsa Kalimo tsa AAA:

Ha e na lebitso-2

Kakaretso

Motho ea alimang o ile a rekisa khoebo ea bona ea lidolara tse limilione tse ngata mme a fumana lehae la litoro tsa bona empa a se na mohloli oa chelete oa ho ngola.

Lintlha

1) Ho fihlela ho $ 2.5M chelete ea kalimo;
2) Ho fihlela ho 80% LTV;
3) karo-karolelano ea DTI ke 50%;
4) Chelete ea chelete e amoheloa;
5) Ha ho hlokahale lintlha tsa mosebetsi kopong ea mokoloto;
6) Thepa e arola 84 kapa lipehelo tsa mokoloto tse tsitsitseng ho fumana chelete e lekaneng ea alingoang.

Lenaneo ke lefe?

• Na mosebetsi oa hao kapa moputso o hlōlehile ho fumana sekoloto sa ntlo?
• O na le matlotlo a lekaneng akhaonteng ya hao?
• Na u sa tsoa rekisa setša se seng ebe u batla ho reka ntlo e 'ngoe?
• Na ha u batle ho fana ka mefuta ea litokomane tsa chelete?
• Na ua ipotsa hore na ba alimang ba amohela kalimo ea hau joang ntle le ho nahana ka tekanyo ea DTI?

Ts'ebeliso ea Asset Depletion/ Ts'ebeliso e thusa bakopi bana ha o le maemong ana. Ke lenaneo le akaretsang la Non-QM, leo hape le bitsoang "letlotlo feela". Ha ho hlokahale hore u fane ka lintlha tsa mosebetsi le litokomane tsa chelete ha u etsa kopo ea lenaneo lena.
E ka sebelisoa e le eona feela mohloli oa chelete bakeng sa ho fumana mangolo a kalimo kapa ho tlatsetsa mehloling e meng ea chelete. Ha e sebelisoa ho tlatselletsa mehloli e meng ea lekeno, bonyane litlhoko tsa matlotlo tse tlas'a mokhoa oa thuto lia hlakoloa.

Molemo ke ofe?

1) Ha ho hlokahale ho fana ka litokomane tsa chelete;
2) Ntlo ea mathomo feela;
3) Litokomane tse fokolitsoeng
4) Ho bonolo ho tšoaneleha

Ke matlotlo afe a ka sebelisoang bakeng sa lenaneo lee?

Thepa e tlameha ho ba metsi 'me e fumanehe ntle le kotlo; litokomane tse ling li ka koptjoa ho netefatsa tšimoloho ea lichelete:
• 100% ea Checking, Savings, le Money Market Accounts;
• 70% ea Li-Stock, Bond, le Lichelete tsa Mutual;
• 70% ea Matlotlo a ho Pholisa: E loketse haeba motho ea alimang a le lilemong tsa ho tlohela mosebetsi (bonyane 59 ½);
• 60% ea Matlotlo a ho Pholisa: E loketse haeba motho ea alimang a se lilemong tsa ho tlohela mosebetsi.

Matlotlo a sa lokeleheng ho felloa ke matla

Bakeng sa lenaneo lena, o ka hlokomela mefokolo e ka tlase. Mefuta e mengata ea mefuta e ke ke ea sebelisoa le hoja u ka sebelisa matlotlo ana u le mong:

• Tekano ho Matlo;
• Litoko tse rekisoang ka poraefete kapa tse thibetsoeng/tse sa fuoang chelete;
• Letlotlo lefe kapa lefe le hlahisang chelete le seng le kenyelelitsoe palong ea chelete:
• Thepa efe kapa efe e tshwerweng ka lebitso la kgwebo.

Litšoantšo tsa lintlha tsa sehlahisoa:

Tataiso e Amanang ea Sehlahisoa:

AAA LENDINGS e motlotlo ka ho kenya letsoho sechabeng sa rona le boikarabello ba sechaba. Re lumela hore ho ba baalimi ba nang le boikarabelo ho bolela ho khutlisetsa sechaba seo re se sebeletsang. Sehlopha sa rona se nka karolo ka mafolofolo mererong ea lithuso, ho ts'ehetsa merero ea lehae, le ho khothaletsa tsebo ea lichelete. Ha re khoebong ea ho fana ka likalimo feela; re tsetetse molemong oa ho ba le tšusumetso e ntle maphelong a bareki ba rona le sechabeng seo ba se bitsang lehae la bona. - Lenaneo la karo-karolelano ea AAA Non-QM Non-DTI - Depletion of Asset (Asset Only) - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: Paraguay, Monaco, Swansea, Re motlotlo ho fana ka lihlahisoa tsa rona le litharollo ho moreki e mong le e mong lefats'eng ka bophara ka lits'ebeletso tsa rona tse feto-fetohang, tse sebetsang ka potlako tse nang le taolo e tiileng ea boleng le bareki ba kamehla.

-AAA Likoloto

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