Wholesale - AAA Lendings Non-QM Non-DTI ratio Programme – Pheliso ea Thepa(Thepa Feela) – 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.Komisi ea Mokoloto oa Matlo,Khakanyo ea Kalimo ea Mokoloto oa Hao,Ba alimang Mekoloto ea Matlo, Lipakane tsa hau tsa lichelete li ikhethile, 'me re lumela hore sekoloto sa hau sa ntlo se lokela ho bontša seo. Ho AAA LENDINGS, re fana ka mefuta e mengata ea likhetho tsa likalimo, e 'ngoe le e 'ngoe e ipapisitse le maemo a fapaneng a lichelete. Hore na o setsebi se secha se batlang lehae la hau la pele, lelapa le ntseng le hola le hlokang sebaka se eketsehileng, kapa motseteli ea bohlale ea ntseng a holisa potefolio ea hau ea thekiso ea matlo, re na le mananeo a likalimo a etselitsoeng ho fihlela litlhoko tsa hau tse ikhethileng. Rea utloisisa hore leeto la hau la lichelete lea ikhetha, 'me litharollo tsa rona tsa mekoloto ea ntlo li etselitsoe ho u boloka u tšoarehile le ho thabela bokamoso ba hau.

- 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:

Boitlamo ba rona ba ponaletso bo fetela ka nģ'ane ho mekhahlelo ea pele ea ts'ebetso ea mekoloto ea matlo. Re etsa bonnete ba hore o na le kutloisiso e hlakileng ea lipehelo tsa ntlo ea hau, ho kenyeletsoa litefiso tsa tsoala, litefiso le litšenyehelo tsa ho koala. Ha ho na lintho tse makatsang ka letsatsi la ho qetela. Re ikemiseditse ho o fa ditlhaloso tse totobetseng, tse se nang jargon, hore o tle o tsebe ho bona dintlha tsa ditjhelete tsa theko ya hao ya lehae kapa ya ditjhelete ka botshepehi. - Lenaneo la AAA Likalimo Non-QM Non-DTI ratio Program - The Depletion Asset(Asset Only) - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: Orlando, Afghanistan, Netherlands, Re tsitlallela molao-motheo oa hore Mokitlane e be oa mantlha, Bareki ho ba morena le Boleng ba ho ba ba molemo ka ho fetisisa, re lebelletse tšebelisano-'moho kantle ho naha le metsoalle eohle ea rona lapeng.

-AAA Likoloto