Ibicuruzwa byinshi - AAA Gutiza HELOC - AAA Gutanga Inguzanyo numushoramari

Ibicuruzwa birambuye

Kuri benshi mubakiriya bacu, inguzanyo irenze kugurisha amafaranga gusa; ni intambwe ikomeye y'ubuzima. Waba uri ubwa mbere ugura urugo cyangwa umushoramari utimukanwa ufite uburambe, twegereye buri porogaramu nitonze kandi ikwiye. Dufata umwanya wo gusobanukirwa intego zawe n'ibyifuzo byawe, tukemeza ko inguzanyo yawe ihuye nicyerekezo cyawe cy'ejo hazaza.Niki Ssa-89,Inguzanyo Yumukoresha Ibibazo,Ishyirahamwe ry'abakora inguzanyo, KUGURIZA AAA, dukora twizera tudashidikanya ko 'Nta nguzanyo idashoboka.' Iyi myizerere ni imbaraga zitera ibikorwa byacu kandi bikubiye mu nteruro yacu, Bashoboye gufasha, Buri gihe. Ikubiyemo ibintu nyabyo biranga AAA yacu. Twese tuzi ko abakiriya batandukanye hamwe nuburyo butandukanye bwo gutanga inguzanyo bisaba ibisubizo byihariye, kandi twiteguye kubitanga.

- Inguzanyo ya AAA HELOC - Inguzanyo ya AAA Ibisobanuro:

Heloc

Incamake

Bisanzwe & Piggyback.

Gahunda ya HELOC ni Home Equity Line Yinguzanyo.
Ironderero. Igihe cyimyaka 30, 10 Yrs I / O Gushushanya Igihe gikurikirwa nimyaka 20 Amortisation.

* Ironderero: Igiciro cyambere cy'inguzanyo cyagendanye n'isoko.
Margin: Ukurikije ibihe byinguzanyo, Margin Min. 1%, Bimaze gukosorwa.
Ubuzima Bwuzuye Igipimo: 18%.
Igipimo cyubuzima bwose: 2,5%.

Ingingo z'ingenzi

1) Nta gihano cyo kwishyura mbere;
2) Ntamafaranga yumwaka;
3) Urugo rwibanze & Kwa kabiri biremewe;
4) 1 Igice & Kugera kuri 90% HCLTV;
5) Icyiza. Inguzanyo ingana na $ 350,000;
6) Min. FICO 680.

Amabwiriza rusange

(1) Icyitonderwa Igipimo + 2% P&I mumyaka 30 amortisation nkigipimo cyujuje ibisabwa.

(2) Umutungo / Amafaranga yo Gufunga / Kubika:
★ Piggybacks: kurikiza ibisabwa byambere.
★ Standalone: nta genzura ry'umutungo risabwa niba uwagurijwe yakiriye amafaranga-hanze (ubundi utange byibuze ukwezi kumwe kumenyekanisha umutungo utimukanwa werekana amafaranga ahagije yo gufunga).

(3) Isuzuma / Agaciro k'umutungo:
Ig Piggybacks: kurikiza amabwiriza ya FNMA / FHLMC.
①AVM na raporo yimbere yumutungo muto (harimo amafoto) yanditswe muminsi 120 uhereye umunsi wanditse.
NIsuzuma (rishobora kuba desktop, igenzura ryo hanze na / cyangwa ubugenzuzi bwimbere) ryujujwe nisuzuma ryemewe / ryemewe na leta ryanditswe mugihe cyumwaka umwe uhereye umunsi wanditse.
★ Bisanzwe:
1) AVM na raporo yumutungo muto ntarengwa (harimo amafoto).
)
★ Ku mbibi zinguzanyo> $ 250.000, byuzuye FNMA 1004 cyangwa FHLMC 70 hamwe nimbere & hanze kugenzura birimo amafoto yamabara.

(4) Umutwe ntushobora gufatwa mwizina ryizere.

(6) Inguzanyo igomba kuba kumwanya wa kabiri.

(7) Ntamafaranga yumwaka.

(8) Gukodesha ntabwo byemewe.

(9) Kwishura bizatangwa ku ya 15 ya buri kwezi.

(10) 5% yubukererwe azasuzumwa kumunsi wo kwishyura + iminsi 15 (keretse niba hari leta isabwa cyane).

(11) Ubuzima Bwose. Igipimo: 18% cyangwa leta ntarengwa na Lifetime Rate Igorofa 2.5%.

(12) Nta Kwishyura mbere.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Twumva ko inguzanyo atari igikorwa cyamafaranga gusa ahubwo ni icyemezo cyingenzi cyubuzima. Ibyo twibandaho kubakiriya-bivuze ko tutareba imibare gusa; dusuzumye inkuru yawe idasanzwe, ibyifuzo, n'intego zamafaranga. Inzobere mu gutanga inguzanyo zifata umwanya wo gusobanukirwa urugendo rwawe bwite, zemeza ko wakiriye igisubizo cyinguzanyo gihuza nicyerekezo cyawe kizaza. - Inguzanyo ya AAA HELOC - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Singapore, Brunei, Vietnam, Igiciro cyiza kandi cyiza cyatuzaniye abakiriya bahamye kandi bazwi cyane. Gutanga 'Ibicuruzwa byiza, Serivise nziza, Ibiciro byo Kurushanwa no Gutanga Byihuse', ubu turategereje ubufatanye bunini n’abakiriya bo mu mahanga dushingiye ku nyungu rusange. Tuzakora n'umutima wose kugirango tunoze ibicuruzwa na serivisi. Turasezeranye kandi gukorana nabafatanyabikorwa mubucuruzi kugirango tuzamure ubufatanye kurwego rwo hejuru kandi dusangire intsinzi hamwe. Murakaza neza cyane gusura uruganda rwacu nta buryarya.

-AAA Inguzanyo

Umuyobozi wibicuruzwa numuntu ushyushye cyane kandi wabigize umwuga, dufite ikiganiro gishimishije, kandi amaherezo twumvikanyeho.
Inyenyeri 5

Na Phoenix wo muri Philadelphia - 2018.11.28 16:25

Ubwiza bwiza kandi bwihuse, nibyiza cyane. Ibicuruzwa bimwe bifite ikibazo gito, ariko uwabitanze yasimbuye mugihe, muri rusange, turanyuzwe.
Inyenyeri 5

Na Johnny wo muri Amman - 2017.05.21 12:31