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

Lintlha tsa Sehlahisoa

Toro ea ho ba le matlo ha e felle feela ho batho ba tloaelehileng ba rekang matlo. Ho AAA LENDINGS, re na le mananeo a khethehileng a ho fana ka likalimo tseo e seng tsa setso. Haeba u itšebetsa, u na le chelete e feto-fetohang, kapa u tobana le maemo a ikhethileng a lichelete, likhetho tsa rona tsa likalimo li ka hohela phaello ea hau. Re amohela mefuta e fapaneng ea ba alimang 'me re batla ka matla litharollo tse ncha tsa ho alima, ho netefatsa hore leeto la hau la ho ba le matlo le lula le khahla, ho sa tsotelehe maemo a hau a lichelete.Litefiso tsa Mortgage Broker,Litlhahlobo tsa Broker ea Mokoloto,Secured sekoloto, 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:

Bakeng sa bareki ba rona ba bangata, mokitlane oa ntlo hase feela khoebo ea lichelete; ke mohato oa bohlokoa bophelong. Ho sa tsotellehe hore na u motho ea rekang ntlo ka lekhetlo la pele kapa u motsetedi ea nang le phihlelo oa thekiso ea matlo, re atamela kopo ka 'ngoe ka tlhokomelo le tlhokomelo e e tšoanelang. Re ipha nako ea ho utloisisa lipheo le litabatabelo tsa hau, ho netefatsa hore mokoloto oa hau oa ntlo o lumellana le pono ea hau ea bokamoso ba hau. - Lenaneo la AAA la Likalimo le Non-QM Non-DTI ratio Program - Depletion Asset(Asset Only) - AAA Likalimo , Sehlahisoa se tla fana ka lefats'e ka bophara, joalo ka: New Zealand, Durban, Rwanda, Ha u labalabela thepa efe kapa efe ea rona ka mor'a hore u shebe lethathamo la lihlahisoa tsa rona, etsa bonnete ba hore u lokolohile ho ikopanya le rona bakeng sa lipotso. U tla khona ho re romella mangolo-tsoibila le ho ikopanya le rona bakeng sa lipuisano mme re tla u araba hang ha re khona. Haeba ho le bonolo, u ka fumana aterese ea rona sebakeng sa marang-rang 'me u kene khoebong ea rona. kapa lintlha tse ling tsa lihlahisoa tsa rona ka bouena. Ka kakaretso re malala-a-laotsoe ho aha likamano tsa nako e telele le tse tsitsitseng tsa tšebelisano-'moho le bareki ba ka bang teng ka har'a masimo a amanang.

-AAA Likoloto

Chaena, re na le balekane ba bangata, k'hamphani ena ke eona e re khotsofatsang ka ho fetisisa, boleng bo ka tšeptjoang le mokitlane o motle, ke habohlokoa ho ananeloa.
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