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Nepo vazhinji vanokweretesa vakaganhurira chiyero chavo, isu tinoenderera mberi nekuwedzera huvepo hwedu munzvimbo dzakasiyana siyana, tichishandira vanokwereta mumatunhu makumi mana neshanu, kusanganisira mimwe misika ine simba seCalifornia neTexas. Kusvika kwedu kwakakura kunotibvumira kunzwisisa uye kujairana nematunhu nuances, kuve nechokwadi chekuti vatengi vedu vari mumatunhu akasiyana vanowana rutsigiro rwemunharaunda vachiri kubatsirwa nehunyanzvi hwedu hwenyika.Mortgage Broker Zvinodiwa,Rate Sheet,Mortgage Mukweretesi Kana Bhangi, Imwe yezvipo zvedu zvemberi ndeyedu 'Zvisiri-QM' zvigadzirwa zvechikwereti, uye tinodada zvikuru kutungamira muchikamu ichi chekukweretesa. Isu takanyanya hunyanzvi munzvimbo ino, tine ruzivo rwakakura uye nekutanga kupinda mumusika, zvichiita kuti tive nehunyanzvi hwekunzwisisa uye kugadzirisa zvaunoda zvemari. Kufamba munzira inoenda kuzvinangwa zvako zvemari inova rwendo rwuri nyore, rwunogoneka neAAA LENDIS padivi pako. Ziva simba rekukweretesa kwakasarudzika nesu nhasi, uye rega tikubatsire kuzadzisa zvishuwo zvako zvemari.
- AAA Lendings Isiri-QM Zvirinyore Inokodzera Asset chete sarudzo - ATR-In-Yakazara - AAA Lendings Detail:

Haina musoro-9

Overview

Yakakurumbira asset chirongwa. Mukwereti ane humwe huwandu hwezvinhu, izvo zvinogona kuvhara mutengo wekutenga kana huwandu hwechikwereti uye mutengo wekuvhara. Hapana ruzivo rwebasa runodiwa; Kwete DTI.

Zvikuru zvePurogiramu

1) Kusvikira ku75% LTV;
2) Kusvika kumadhora mazana mana emari yechikwereti;
3) Kugara kwepuraimari chete;
4) Hapana miganhu pahuwandu hwezvivakwa zvakapihwa mari;
5) Inosvika mwedzi mitanhatu inochengeterwa kubva kumari yemukwereti.

Chii chinonzi ATR-In-Full?

Iyo ATR-In-Yakazara chirongwa zvakare chirongwa cheasset, icho chinokodzera neasset chete.

Isu hativerenge DTI yevanyoreri vanokodzera nekuratidza Assets chete ("ATR-In-Yakazara"). Mechanic, chero mari kana basa rakanyorwa pachikumbiro richaonekwa serisingafadzi kune anonyora pasi. Seimwe nzira, inogona kusiiwa isina chinhu.

Qualification

Pazasi pane nzira dzekuverenga:
Pachikwereti chekutenga, zvinhu zvese zvinotenderwa zvinofanirwa kuenderana nemutengo wekutenga pamwe nechero mutengo wekuvhara.
Assets > = Mutengo wekutenga + mutengo wese wekuvhara
Pachikwereti cherefinance, iyo yese inotenderwa midziyo inofanirwa kuenderana nemari yakazara yechikwereti pamwe nemitengo yekuvhara.
Assets > = Mari yechikwereti + mutengo wekuvhara

Ona pazasi mamiriro ekufanirwa, unogona kutarisa nzira dzekuverenga kuti uone kana uchikwanisa kutanga usati wanyorera zvikwereti nevakweretesi:

Mamiriro ekutanga: Mutengo wekutenga pamwe nemari yekuvhara = $768,500. Zvinhu zviripo = $700,000 (savings) plus $45,000 (50% yeIRA) = $748,000. Muchidimbu ne $20,500. Kana mukwereti ari 59.5 kana kupfuura, midziyo inokodzera ingave $700,000 + $54,000 (60% yeIRA) = $754,000 uye ipfupi ne $14,500.

Mamiriro echipiri: Mari yechikwereti pamwe nemari yekuvhara = $518,500. Zvinhu zviripo = $370,000 (savings) + $100,000 (50% yeIRA) = $470,000. Muchidimbu ne $48,500. Kana mukwereti ari 59.5 kana kupfuura, midziyo inokodzera = $370,000 + $120,000 (60% yeIRA) = $490,000 uye ipfupi ne $28,500.

Zvinhu Zvakakodzera

Cash, stocks, bond and personal liquid assets (hapana pfuma) = 100%.
Retirement accounts = 50% kana 59 kana mudiki uye 60% kana vakuru.
Hapana mari yebhizinesi.


Mifananidzo yezvigadzirwa:

- AAA Inokweretesa Isiri-QM Zvirinyore Inokodzera Asset chete sarudzo - ATR-In-Yakazara - AAA Lendings yemifananidzo mifananidzo


Related Product Guide:

Kuzvipira kwedu kuita zvakanaka uye kuzvipira kune vatengi vedu kwakatikurudzira kuwedzera mashandiro edu mumatunhu makumi mana neshanu, kusanganisira Arizona, California, Washington DC, Florida, Nevada, neTexas, pakati pezvimwe. Zvisinei, kubudirira kwedu hakungotsananguriki nenhamba chete. Mawongororo asingaverengeki akanaka uye mukurumbira wakasimba weshoko-we-muromo watakagadzira unoshanda sechiratidzo chevimbo uye chivimbo icho musika wakaisa matiri. - AAA Lendings Non-QM Easily Qualified Asset only option - ATR-In-Full - AAA Lendings , Chigadzirwa chacho chichapa kune pasi rose, zvakadai se: Bahamas, Saudi Arabia, French, Tinotenda kuti hukama hwakanaka hwebhizimisi huchatungamirira kune zvikomborero pamwe nekuvandudzwa kwemapato maviri. Isu takagadzira hukama hwehukama hwenguva refu uye hwakabudirira nevatengi vazhinji kuburikidza nekuvimba kwavo mumasevhisi edu akajairwa uye kuvimbika mukuita bhizinesi. Isu tinonakidzwawo nemukurumbira wepamusoro kuburikidza nekuita kwedu kwakanaka. Kuita kurinani kuchatarisirwa semusimboti wedu wekuperera. Kuzvipira uye Kutsiga zvicharamba zvakadaro.
  • Iyo kambani inogona kufambirana neshanduko mumusika weindastiri ino, zvigadzirwa zvinogadziridza nekukurumidza uye mutengo wakachipa, uku ndiko kubatana kwedu kwechipiri, zvakanaka.
    5 StarsNaNicola anobva kuCanada - 2018.12.25 12:43
    Vagadziri vakanaka, isu takabatana kaviri, mhando yakanaka uye yakanaka sevhisi maitiro.
    5 StarsNaArthur wekuSlovakia - 2017.12.31 14:53