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Setsi sa Lihlahisoa

Lintlha tsa Sehlahisoa

Ho tsamaisa sebaka sa mekitlane ho ka ba thata, empa AAA LENDINGS e nolofatsa ts'ebetso, e etsa hore e kopanele ebile e se na khatello ea maikutlo. Re fana ka sistimi e hlakileng le e khuts'oane ea pokello ea litokomane, e u lumellang ho kenya litokomane tse hlokahalang inthaneteng. Re tseba hantle hore nako ea hau e bohlokoa, 'me ka ho etsa hore ts'ebetso e be bonolo, re u boloka u ikakhetse ka setotsoana le ho laola leeto la hau la ho reka ntlo.Mortgage Broker Zillow,Litlhoko tsa License tsa Broker ea Mortgage,Mokoloto oa Mokoloto o nang le Litefiso tse tlase, Joaloka molekane oa hau oa mokoloto oa ntlo, re fana ka tse fetang likalimo feela; re fana ka sechaba. AAA LENDINGS e ikemiselitse ho theha maikutlo a ho ba karolo ea bareki ba rona. Sethala sa rona sa Marang-rang se na le liforamo le lipuisano moo o ka hokahanang le batho ba alimang ka uena, ho arolelana liphihlelo, le ho batla likeletso. Mokhoa ona o tsamaisoang ke sechaba o khothalletsa tikoloho e hohelang moo o ka fumanang tšehetso, lintlha le khothatso ha u ntse u tsamaea tseleng ea ho ba le matlo.
- 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:

- Lenaneo la karo-karolelano ea likalimo tsa AAA Non-QM Non-DTI - Pheliso ea Thepa (Thepa Feela) - AAA Kalimo ea lintlha tsa litšoantšo

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 karo-karolelano ea AAA Non-QM Non-DTI ratio - Depletion of Asset (Asset Only) - AAA Lendings , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: Luxembourg, Dominica, Rwanda, Ho theosa le lilemo, ka litharollo tsa boleng bo holimo, tšebeletso ea boemo ba pele, litheko tse tlase haholo re etsa hore u tšepe le ho hauheloa ke bareki. Matsatsing ana lihlahisoa tsa rona li rekisoa hohle naheng le kantle ho naha. Re leboha tšehetso ea kamehla le e ncha ea bareki. Re fana ka sehlahisoa sa boleng bo holimo le theko ea tlholisano, amohela bareki ba kamehla le ba bacha ba sebelisana le rona!
    • Khamphani ena e na le likhetho tse ngata tse lokiselitsoeng ho li khetha hape e ka itloaetsa lenaneo le lecha ho latela tlhoko ea rona, e ntle haholo ho fihlela litlhoko tsa rona.
    5 LinaleliKa Mona ho tloha Malta - 2017.02.28 14:19
    Basebeletsi ba fektheri ba na le moea o motle oa sehlopha, kahoo re fumane lihlahisoa tsa boleng bo phahameng ka potlako, ho phaella moo, theko e boetse e loketse, ena ke baetsi ba Chaena ba molemo haholo le ba ka tšeptjoang.
    5 LinaleliKa Nicola oa Durban - 2018.06.21 17:11

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