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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 chirongwa?

• Basa rako kana mari yako yakundikana here kuti ukwanise kukwereta imba?
• Une zvinhu zvakakwana muakaundi yako here?
• Uchangotengesa 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 / Kushandiswa kunobatsira 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 chirongwa ichi.
Inogona kushandiswa seyo yega sosi yemari yekukwereta chikwereti kana kuwedzera mamwe mabviro emari. Kana ichishandiswa kuwedzera mamwe masosi emari, iyo shoma yeasset inodiwa pasi peiyo nzira yekukodzera inobviswa.

Chii chinobatsira?

1) Hapana chikonzero chekupa chero magwaro emari;
2) Imba yepuraimari chete;
3) Zvinyorwa zvakaderedzwa
4) Zviri nyore kukodzera

Ndezvipi zvinhu zvinogona kushandiswa purogiramu iyi?

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.

Zvinhu zvisingakodzeri kudzikiswa

Kune iyi purogiramu, iwe unogona kutarisira pazasi zvisingakwanisi. Marudzi akati wandei haagone kushandiswa kunyangwe iwe uchigona kushandisa izvi zvinhu uri wega:

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