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Overview

Shandisa midziyo yemukwereti kuti ukwanise, zvinhu zvemukwereti zvinoda kuvhara mari inosvika 6-mwedzi yemuhoro wepamwedzi.

Details

1) Kusvikira ku60% LTV;
2) Kusvika kumadhora 2.5M chikwereti chemari;
3) 700 kana kupfuura zvibodzwa zvechikwereti;
4) DTI ratio-- Mberi 38%/ Kumashure 43%;
5) Hapana miganhu pahuwandu hwezvivakwa zvakapihwa mari.

ABIO

Chirongwa ichi chii?

• Unoziva here kushandisa asset chete kuti ukwanise kukupa chikwereti chemba yemba?
• Wakamiswa basa here kana kunyimwa nemukweretesi pachirongwa cheWVOE (Written Verification of Employment)?
• Hauna zvinhu zvakawanda here paunenge uchida kutenga imba yako?
• Waunoshandira anga asingade kukupa fomu reWVOE here kana kubatira pamwe?

Kana iwe wakambosangana nemamiriro ari pamusoro apa, hapana kunetseka, huya kwatiri uye isu tichakuzivisa iyo isiri-QM chirongwa chako----ABIO(Asset Based Income Option).Chirongwa ichi chinoziva chirongwa che{WVOE}, chakagadzirirwa vanokwereta vanotambira mari uye vanozvishandira.Zvikwereti zvisiri zveQM zvine zvishoma zvirongwa zvakanaka zvekuti vanotambira mihoro uye varidzi vebhizinesi vanogona kunyorera.

Chirongwa ichi chinoshanda sei?

Sezvakangoita zita rechigadzirwa, chirongwa ichi chinokodzera neasset zvakare.Ona pazasi:

abio01
abio02

Kana iyo Asset Yakavakirwa Muhoro Sarudzo yechirongwa ichi chechikwereti yasarudzwa, mukwereti anozongodiwa kuti ape Asset Yakavakirwa Mari paChikwereti Chikumbiro (1003).Mari iyi ichashandiswa kuverenga chikwereti chakakodzera kuchiyero chemuhoro chakakurukurwa muChikamu VIII chezvirevo izvi.

Ndiani anogona kunyorera chirongwa ichi?

Sezvataurwa pamusoro apa, chero iwe uri mukwereti wemuhoro kana unozvishandira uchikwereta, unogona kunyorera chirongwa ichi.Kana mukwereti wemuhoro, saka hapana magwaro akakosha anodiwa paunonyorera imba nyowani yechikwereti cheNon-QM nemukweretesi.Kana anozvishandira anokwereta kana 1099 anokwereta, ungada nyore CPA tsamba.

Chirongwa ichi chinoshanda sei?

Sezvakangoita zita rechigadzirwa, chirongwa ichi chinokodzera neasset zvakare.Kusiyana nemamwe mapurogiramu, isu mukweretesi hatidi kugadzirira chero magwaro akakosha kubva kune anokwereta.Ingo gadzirira zvakajairwa zvirevo zvebhangi kana uchinyorera imba yako yechikwereti chemba, Ona pazasi kuti uwane ruzivo rwako:

Stated Income zvinoreva kuti mukwereti anotaura mari yake Inonzwisisika yazvino mukukumbira chikwereti.Mukweretesi anozoona mari yemukwereti yepamwedzi inogona kutsigirwa ne "Liquid" midziyo isati yavhara.

Kana iyo Asset Yakavakirwa Muhoro Sarudzo yechirongwa ichi chechikwereti yasarudzwa, mukwereti anozongodiwa kuti ape Asset Yakavakirwa Mari paChikwereti Chikumbiro (1003).Mari iyi ichashandiswa kuverenga chikwereti chakakodzera kuchiyero chemuhoro chakakurukurwa muChikamu VIII chezvirevo izvi.

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