Overview
Havasi vese vanokwereta vanokwana zvakanaka mumabhokisi anodiwa nevechinyakare vanokweretesa.Vamwe vanokwereta ndivo vanoisa mari, vanozvishandira, vanamuzvinabhizinesi, vakasiya basa, kana kungorarama nekudyara kwavo.Ivo vanhu vane mutoro wezvemari, asi vanogona kunge vasina mabviro emari anogona kuverengeka zviri nyore.
AAA LEENDINGS Mortgage's Asset depletion zvirongwa zvinobvumira marudzi aya evakwereta kushandisa midziyo yavo yemunhu neyebhizinesi senzira yekukodzera kuhodha yemba.
Zvikuru zvePurogiramu
1) Kusvikira ku $ 2.5M chikwereti chemari;
2) Kusvikira ku80% LTV;
3) DTI reshiyo i50%;
4) Cash-out inogamuchirwa;
5) Ruzivo rwebasa harudiwe pachikumbiro chechikwereti.
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".Vanokwereta havafanire kupa chero ruzivo rwebasa kana magwaro emari kana vanyorera Asset Depletion.
Inogona kushandiswa seyo yega sosi yemari yekukwereta chikwereti kana kuwedzera mamwe mabviro emari.Izvo zvishoma zvinodikanwa zveasset pasi penzira yekukodzera zvinoregererwa kana zvichishandiswa kuwedzera mamwe mari inowanikwa.
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
Pachirongwa ichi, vanokwereta vanofanirwa kuziva nezve pazasi zvisingakwanisi.Mhando dzinoverengeka midziyo haigone kushandiswa:
• Equity in Real Estate;
• Zvitoro zvinotengeswa pachivande kana kuti zvakaganhurirwa/zvisina kutengeswa;
• Chero zvinhu zvinoburitsa mari zvakatobatanidzwa mukuverenga mari:
• Chero midziyo inochengetwa muzita rebhizimisi.
