Mantsoe a bohlokoa: Ha ho paystub;Ha ho W2;Ha ho Puseletso ea Lekhetho;No 4506-T;Ha ho DU/LP
Likalimo tseo e seng tsa QMke mokhoa o mong oa hoqualified mortgage (QM) likalimo.Ka ho toba, aKalimo e seng ea QMke e sa hlokeheng ho kopana le 'muso oa koporasi le melaoana ea Consumer Financial Protection Bureau's (CFPB) bakeng sa mekoloto ea matlo e tšoanelehang.
1. Litokomane tsa Lekeno:
● Moalimi oa Meputso: WVOE
● Moalimi ea Ikemetseng: P&L, Lengolo la CPA kapa;6 Likhoeli tsa lipampiri tsa banka kapa;12/24 Litlaleho tsa banka;etc.
2. Letlotlo:
● Tefo e Tlase + Litšenyehelo tsa ho Koala + lipolokelo tsa likhoeli tse 6 (Bonyane, bakeng sa thepa feela.)
● Mpho e ka amoheloa
3. Tlaleho ea Tlhahlobo:
Bonyane tlaleho e le 'ngoe e felletseng ea tlhahlobo
4. FICO(Credit Score):
Mohlala oa 620
5. LTV(Kalimo-ho-Boleng):
Max.90%
Haholo-holo
Lenaneo la DSCR (Karolelano ea Ts'ebeletso ea Likoloto):
1) Ha ho mosebetsi oa motho ea alimang kapa chelete e kenang e tla kenyelletsoa kopong;
2) Ha e tšoanelehe bakeng sa mong'a ntlo kapa ntlo ea bobeli;
3) Ha ho karo-karolelano ea DTI, moalimi (ba) a ka tšoaneleha feela ka karolelano ea thepa ea DSCR (Bonyane 1.1);
4) Mokhoa oa ho bala karo-karolelano ea DSCR: Lekeno la khiriso ea sehlooho / Tefo ea PITIA.
Nako ea poso: Jan-21-2022