12/06/2023

Mekoloto ea Mokoloto ea Bobeli ea Closed-End ke eng?

Koala-Qetello Ea BobeliMekoloto ea matlo ke lihlahisoa tse khethehileng tsa mokoloto tse fapaneng le tse bulehileng tsa mekoloto ea ntlo ea bobeli leHome Equity Lines of Credit(HELOCs).Ba na le sebopeho sa motheo se lumellang beng ba matlo ho alima khahlanong le tekano ea matlo a bona tlas'a maemo a tsitsitseng.

Mekoloto ea Bobeli e Koetsoeng e Fetohile Joang ha Nako e Tsamaea?

Lekala la lichelete le bone phetoho eaKoala-Qetello Ea BobeliMekoloto ea matlo, e hlahang e le khetho e tsebahalang bakeng sa beng ba matlo ka lebaka la likarolo tsa bona tse ikhethang le melemo.

Mekoloto ea Bobeli e Koetsoeng e sebetsa Joang?

Likalimo tsena li kenyelletsa ho sebelisa tekano ea lehae ho latela lipehelo tse itseng, ntle le ho ama sekhahla sa tsoala ea mokoloto oa pele.Ba na le mechanics e ikhethang e ba khethollang ho tse ling tsa mekhoa ea ho alima matlo.

Litlhokahalo tsa ho Fumana Mokoloto oa Bobeli o Koetsoeng ke ofe?

Ho tšoaneleha, bakopi ba hloka ho fihlela litekanyetso tse itseng joalo ka lintlha tsa mokoloto, netefatso ea chelete, mefuta ea thepa, le likarohano tsa Loan-to-Value (LTV).Ts'ebetso ea kopo e boetse e hlalositsoe ka botlalo bakeng sa batho ba ka alimang.

Hobaneng ha Mekoloto ea Bobeli e Koetsoeng e Fetoha ka Kamohelo ea Lekeno?

Mananeo ana a etselitsoe hore a ka fihlelleha ho batho ba bangata ba alimang, ho kenyeletsoa le ba nang le mehloli e sa tloaelehang ea chelete, ka ho hlokomela mekhoa e fapaneng ea chelete.

Melemo ea Litefiso tse Tsitsitseng tsa Tsoala ho Mekoloto ea Bobeli e Koetsoeng ke Efe?

Litefiso tse tsitsitseng tsa tsoala li fana ka botsitso le ho tseba lintho esale pele moralong oa lichelete, ho beha mekoloto ena ea ntlo ka thoko ho e nang le litefiso tse fapaneng.

Likhakanyo tse Phahameng tsa Kalimo-ho-Boleng li Tsoela Bakalimi Molemo Joang?

Likarolo tse phahameng tsa LTV li lumella beng ba matlo ho fumana karolo e kholo ea tekano ea matlo a bona, ho matlafatsa matla a ho alima a mong'a ntlo.

Na Mokoloto oa Bobeli o Koetsoeng o Ama Mokoloto oa Pele oa Mokoloto?

Molemo o mong o ikhethang ke hore likalimo tsena ha li ame sekgahla sa tsoala kapa lipehelo tsa mokoloto oa pele, o li khetholla ho likhetho tsa ho nchafatsa chelete.

Mekoloto ea Bobeli e Koetsoeng e Bapisa Joang le Lihlahisoa tse ling tsa Mortgage?

Ha ho bapisoa le lihlahisoa tse ling tsa thepa ea lapeng,Koala-Qetello Ea BobeliMekoloto ea ntlo e hlahella ho latela litefiso tse sa fetoheng tsa tsoala, chelete ea kalimo, le ho se be le tšusumetso mekolotong e teng.

Na Mekoloto ea Bobeli e Koetsoeng e ka Rarolla Litlhoko tse Fapanong tsa Lichelete?

Mekoloto ena ea thepa e sebetsa ka mokhoa o fapaneng, e sebetsana le litlhoko tse fapaneng joalo ka ho kopanya likoloto, ho nchafatsa matlo, kapa ho laola litšenyehelo tse neng li sa lebelloa.

Pono ea Bokamoso bakeng sa Mekoloto ea Bobeli e Koetsoeng ke Efe?

Bokamoso baKoala-Qetello Ea BobeliMekoloto ea matlo e shebahala e ts'episa, ka mebaraka e ntseng e tsoela pele ea lichelete le litlhoko tse fetohang tsa beng ba matlo tse susumetsang boemo ba bona ba mmaraka.

Hobaneng o Khetha Mekoloto ea Bobeli e Koetsoeng?

Bakeng sa beng ba matlo ba batlang ho eketsa tekano ea matlo a bona, mekoloto ena e fana ka khetho e nepahetseng ea lichelete le e feto-fetohang, e ba etsang khetho e phahameng.

Mabapi le likalimo tsa AAA

E thehiloe ka 2007, AAA Lendings e fetohile mokoloto ea ka sehloohong ea nang le lilemo tse fetang 15 tsa bokhabane.Sekhutlo sa rona se fana ka litšebeletso tse ke keng tsa lekanngoa le ho tšepahala, ho netefatsa khotsofalo e kholo ea bareki ba rona.

E khethehile ka mefuta e mengata ea lihlahisoa tseo e seng tsa QM - ho kenyeletsoaNo Doc No Credit, P&L e Itokiselitseng, WVOE, DSCR, Litlaleho tsa Banka, Jumbo, HELOC, Koala Qetellong ea Bobelimananeo-re etella pele 'marakeng oa likalimo oa 'Non-QM'.Re utloisisa mathata a ho fumana mekoloto mme re na le 'Loan Arsenal' e fapaneng ho sebetsana le liphephetso tsena.Ho kena ha rona pele 'marakeng oa Non-QM ho re file boiphihlelo bo ikhethang.Boiteko ba rona ba bopula-maliboho bo bolela hore re utloisisa litlhoko tsa hau tse ikhethang tsa lichelete.Ka likalimo tsa AAA, ho fihlella lipheo tsa hau tsa lichelete ho bonolo ebile ho ka fihlelleha.

Re thusitse malapa a ka bang 50,000 ho phethahatsa litoro tsa bona tsa lichelete, ka likalimo tsa likalimo tse fetang $20 bilione.Boteng ba rona ba bohlokoa libakeng tsa bohlokoa joalo ka AZ, CA, DC, FL, NV, le TX bo re lumella ho sebeletsa batho ba bangata.

Kaha re na le baemeli ba fetang 100 ba inehetseng le lihlopha tsa bangoli ba ka tlase le tsa tlhahlobo, re netefatsa ts'ebetso ea mekoloto e bonolo le e se nang khatello ea maikutlo.

Video: Ho notlolla Monyetla oa Lichelete ka Mekoloto ea Bobeli e Koetsoeng: Patlisiso e Felletseng

Polelo: Sehlooho sena se hlophisitsoe ke AAA LENDINGS;tse ling tsa litšoantšo li nkiloe Marang-rang, boemo ba sebaka sa marang-rang ha bo emeloe 'me bo ke ke ba hatisoa hape ntle le tumello.Ho na le likotsi 'marakeng mme matsete a lokela ho ba hlokolosi.Sengoliloeng sena ha se bokelle boeletsi ba matsete a motho ka mong, ebile ha se nahane ka sepheo se ikhethileng sa matsete, boemo ba lichelete kapa litlhoko tsa basebelisi ka bomong.Basebelisi ba lokela ho nahana hore na maikutlo afe kapa afe, maikutlo kapa liqeto tse fanoeng mona li loketse maemo a bona.Tsetela ka nepo ka ho ipeha kotsing.