10/06/2023

Munguva pfupi yapfuura, ndakaona chinyorwa paforamu apo mushandisi aive nemeso ake pane imwe nzvimbo mune yakanakisa mamiriro ekudyara asi akatadza kuwana chikwereti chenguva dzose nekuda kwemari yakawanda yechikwereti uye ekare asina kunaka marekodhi echikwereti.

Gare gare, mumwe munhu akamurumbidza nokuda kwechikwereti chemari yakaoma, inonzi “mhindu,” zvichiguma nemhindu yakakwirira zvikuru!Mubereko weinopfuura gumi muzana wakaderedza zvikuru mwero wake wokupedzisira wokudzoka.

Muchokwadi, vazhinji vanokwereta vanosangana nemamiriro ezvinhu aya, kunyanya avo vanobatanidzwa muFlipping Houses kana BRRRR (Tenga, Rehab, Rent, Refinance, Repeat), kazhinji kushandisa Hard Money Loans yekuchinja mari.Nekudaro, isu tinopa chiri nyore uye chinoshanda chechikwereti chigadzirwa chisingade kuti vatengi vatakure mareti epamusoro-soro uye njodzi.

Nhasi, rega ndikuzivise chigadzirwa chedu chenyeredzi: Chirongwa che'No Doc Hapana Chikwereti', chinoda zvinyorwa zvishoma uye chine kukurumidza kuvhara!Yakanyatsokodzera kune avo vanoshuvira kuisa mari, vane imwe mari paruoko, asi vasina mari yakakwana kana isina kugadzikana kana kukanganisa kwerepoti rechikwereti.Icho chikwereti chaicho chekudyara chivakwa chisingadi cheki!

Kusuma Project
The 'No Doc Hapana Chikwereti' Chirongwa chikwereti chemakore mana chakagadziriswa Kwete-QM chekutenga zvivakwa zvekudyara.
· Ichi chirongwa hachidi kiredhiti kiredhiti, hapana ongororo yechitauriri chebhangi, uye hapana ongororo yemari;
· Inobvumira zvikwereti kusvika kumadhora 7.5 miriyoni, ine chikwereti-ku-value reshiyo inosvika makumi manomwe muzana, zvichireva kuti kubhadharwa kwe30% chete kunodiwa;
· Kana zviri zvinodikanwa zvehomwe, mukwereti anongoda kuve nekubhadhara pasi + muripo wekugadzirisa + 36 mwedzi yekuchengetera (P&I), vhura account inodiwa nebhangi, uye dhipozita makore matatu eP&I yakachengetwa kuti udzose kudzoserwa;
· Yegore rimwe PPP (Prepayment Penalty), yakakodzera kune vatorwa;
· Zvakare, chirongwa ichi hachidi mari shoma yekurenda, zvichireva kuti Debt Service Coverage Ratio (DSCR) haina kurambidzwa.

Q&A
Chirongwa chechikwereti ichi chinoda humbowo hwemari here?
——Kwete, mukwereti anongoda kuita chirevo cheasset, achiratidza zvinhu zviri pasi pezita ravo mufomu rekunyorera.Mari inodiwa inogona kuendeswa zvakananga kukambani yeEscrow uye bhangi redhipoziti rakatsanangurwa pazvinenge zvichidikanwa;hapana chikonzero chekupa zvirevo zvebhangi kana kutarisa mamiriro emari.

36 mwedzi yeP&I reserves inorevei?
——P&I inoreva mukuru uye kufarira.Kubhadhara kwevakakwereta kwemakore matatu ekutanga kuchabviswa kubva kuakaundi yavakavhura, pasina kudiwa kwekuwedzera mari.Kana mukwereti akadzorera chikwereti mushure megore rePPP, vanogona kubvisa mari yakasara yakachengetwa.Kana pasina prepayment, zvino mushure megore rechitatu (apo mari yakaiswa yakashandiswa kumusoro), vanofanirwa kuisa mari zvakare kuti vatange kubhadhara.

Imarii yandinofanira kunyorera inenge?
--Semuenzaniso, kana uri kutenga imba yemiriyoni-dhora uye uchibhadhara 30% mubhadharo wepasi, uchafanirwa kugadzirira inenge 45% yemutengo wemba mumari, iyo 15% inoda kuiswa mubhengi rekudyara. nokuda kwekubhadhara mumakore matatu okutanga.

Gore rimwe chete PPP inomiririrei?
——PPP inomirira Prepayment Penalty, zvinoreva kuti mukwereti haakwanise kutengesa imba, kubhadhara kana kudzorera mukati megore, zvikasadaro, vanozowana 1% yekukurumidza kubhadhara chirango zvichienderana nechikwereti chasara.

Pane zvirambidzo here pakuzivikanwa?
——Vese vanhu nemakambani vanogona kunyorera (kusanganisira makambani ekunze);sekuzivikanwa kwemunhu, vagari vekuUS, vane makadhi egirinhi, EAD, uye vatorwa vese vanogona kunyorera.

Ndedzipi nyika dzandinogona kunyorera chirongwa ichi?
——Unogona kunyorera muCalifornia, Washington, neOregon.

Ndiani angawana izvi zvichibatsira?

1. Avo vane chikwereti chisina kunaka, nhoroondo yekubhuroka, kana zvibodzwa zvakaderera, vasingakwanisi kuwana zvikwereti zvenguva dzose.Mumamiriro ezvinhu aya, vanogona kunyorera chirongwa che'No Doc Hapana Chikwereti' uye kugadziridza kana kiredhiti yavo yavandudzika.

2. Vaya vanotenga misha yemaoresa emamiriyoni kana gumi emadhora asi vasina muripo wakakwana.Kune idzi dzimba, mari yekubhadhara pasi inowanzokwira (yakatenderedza 50%).Kana ukanyorera chirongwa che'No Doc Hapana Chikwereti', unongoda chete 45% yemari yekushandisa.

3. Vasiri vegirini makadhi, vagari, kana vatorwa vari kuisa mari mune real estate muUS Zvinowanzotora nguva kuendesa mari kubva kunze kwenyika, uye kunyangwe mushure mekunge mari yaendeswa kuUS, vanofanirwa kumirira mwedzi mishoma. .Iyo 'No Doc Hapana Chikwereti' chirongwa hachitarise kunobva midziyo yakakura zvachose, uye mari yese yechipo hainawo kukanganiswa.

4. Avo vari mushishi rekubvuta imba.Kana iwe ukanyorera chikwereti chebhangi chenguva dzose, zvinotora mazuva 30-45, uchishaya mukana wekubata imba yakanaka.Kana kuti kana chikwereti chenguva dzose chikakundikana uye usingakwanise kuvhara nenguva, unogona kurasikirwa nedhipoziti yakakura.Muchiitiko ichi, nyorera chirongwa che 'No Doc No Credit', chinogona kuvhara mukati memavhiki matatu, uye maitiro echikwereti zvakare akatwasuka.

 

Kana uine mibvunzo kana uchida rubatsiro, inzwa wakasununguka kutibata nesu!

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.