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Overview

Yakakurumbira asset chirongwa. Mukwereti ane imwe mari, inogona kuvhara mutengo wekutenga kana huwandu hwechikwereti uye mutengo wekuvhara. Hapana ruzivo rwebasa; Kwete DTI.

Details

1) Kusvikira ku75% LTV;
2) Kusvika kumadhora mazana mana emari yechikwereti;
3) Kugara kwepuraimari chete;
4) Hapana miganhu pahuwandu hwezvivakwa zvakapihwa mari;
5) Angangoita 6-mwedzi yekuchengetedza kubva kune anokwereta mari yake.

Chirongwa ichi chii?

Iyo ATR-In-Yakazara chirongwa zvakare chirongwa cheasset, icho chinokodzera neasset chete. Sarudzo yakanaka yezvikwereti zvisiri zveQM.
AAA Lendings haiverengere DTI yevanyoreri vanokodzera nekuratidza Assets chete ("ATR-In-Yakazara"). Mechanically, chero mari kana basa rakanyorwa pachikumbiro richaonekwa serisingafadzi kune anonyora uye, seanotsiva, anogona kusiiwa asina chinhu. Kana basa nemari ikamiririrwa pachikumbiro, DTI haifanirwe kuverengerwa

Unoziva sei kana uchikwanisa midziyo yechirongwa ichi?

Pazasi pane nzira dzekuverenga:
Pachikwereti chekutenga, iyo yese inotenderwa midziyo inofanirwa kuenderana nemutengo wekutenga pamwe nechero uye yese yekuvhara mitengo.
Assets > = Mutengo wekutenga + mutengo wese wekuvhara
Kurefinance chikwereti, iyo yese inotenderwa midziyo inofanirwa kuenderana neyakazara mari 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 59.5 kana kupfuura, midziyo inokodzera = $370,000 + $120,000 (60% yeIRA) = $490,000 uye ipfupi ne $28,500.

Ndechipi chinhu chinokodzera chirongwa ichi?

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

Ndezvipi zvinobatsira?

Min. 6 mwedzi Reserves