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Overview

Mukwereti akatengesa bhizinesi ravo remamiriyoni emadhora ndokubva awana imba yezviroto zvavo asi akashaya mari yekunyora.

Details

1) Kusvikira ku $ 2.5M chikwereti chemari;
2) Kusvikira ku80% LTV;
3) DTI reshiyo i50%;
4) Cash-out inogamuchirwa;
5) Hapana ruzivo rwebasa mukukumbira chikwereti;
6) Asset patsanura makumi masere nemana kana yakatemwa mazwi echikwereti kuti awane anokwereta mari inokodzera.

Chii chinonzi Asset Depletion?

• Basa rako kana mari yako yakundikana here kuti ukwanise kukwereta imba?
• Une zvinhu zvakakwana muakaundi yako here?
• Wakangotengesa imwe imba woda kutenga imwe imba here?
• Haudi here kupa marudzi ezvinyorwa zvemari?
Unoshamisika here kuti vanokweretesa vanotendera chikwereti chako sei pasina kutarisisa reshiyo yeDTI?

Asset Depletion / Utilization inobatsira vanyoreri ava kana uri mumamiriro ezvinhu aya. Iyo yakajairika isiri-QM chirongwa, zvakare yakanzi "asset chete". Haufanire kupa chero ruzivo rwebasa uye magwaro emari kana uchinyorera Asset Depletion.
Inogona kushandiswa seyo yega sosi yemari yekukwereta chikwereti kana kuwedzera mamwe mabviro emari. Izvo zvishoma zvinodikanwa zveasset pasi pe qualification nzira inoregedzwa kana ichishandiswa kuwedzera mamwe mabviro emari, .

Zvakanakira Kupera Kweasset

1) Hapana chikonzero chekupa chero magwaro emari;
2) Primary Chete;
3) Zvinyorwa zvishoma;
4) Zviri nyore kukodzera.

Asset Zvinodiwa

Midziyo inofanirwa kunge iri mvura uye inowanikwa pasina mutongo; mamwe magwaro anogona kukumbirwa kusimbisa kwakabva mari:
• 100% yeChecker, Savings, uye Money Market Accounts;
• 70% yeStocks, Bond, uye Mutual Funds;
• 70% yeRetirement Assets: Inokodzera kana mukwereti ari wezera rekurega basa (inenge 59 ½);
• 60% yeRetirement Assets: Inokodzera kana mukwereti asiri wezera rekurega basa.

Ineligible Assets

Kune iyi purogiramu, iwe unogona kutarisira pazasi zvisingakwanisi. Mhando dzakawanda dzemhando hadzigone kushandiswa:

• Equity in Real Estate;
• Zvitoro zvinotengeswa pachivande kana kuti zvakaganhurirwa/zvisina kutengeswa;
• Chero zvinhu zvinoburitsa mari zvakatoiswa mukuverenga mari:
• Chero midziyo inochengetwa muzita rebhizimisi.