Ibicuruzwa byinshi - AAA Gutiza HELOC - AAA Gutanga Inguzanyo numushoramari

Ibicuruzwa birambuye

Ibyo twiyemeje kuba indashyikirwa no kwitangira abakiriya bacu byaduteye kwagura ibikorwa byacu muri leta 45, nka Arizona, California, Washington DC, Florida, Nevada, na Texas, n'ibindi. Ariko, intsinzi yacu ntabwo isobanurwa numubare gusa. Isubiramo ritabarika ryiza hamwe nijambo rikomeye kumunwa twabonye twabonye nk'ikimenyetso cyo kwizerana n'icyizere isoko ryadushizemo.Inguzanyo itaziguye,Ingwate,Inyungu zihamye, Kurenga ibicuruzwa gakondo byinguzanyo, dutanga urutonde rwibisubizo byinguzanyo byujuje ibyifuzo byabakiriya. Ibicuruzwa byacu byinguzanyo 'Non-QM' byateguwe mubihe bidasanzwe byubukungu, bituma tuba inguzanyo yo kuguriza kubaguriza badahuje imiterere gakondo. Twizera ko hari inguzanyo kuri buri wese, kandi uburyo bwihariye bwo gutanga inguzanyo bwerekana ko twiyemeje kutishyira hamwe.

- 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) Icyiza. HCLTV 85%;
5) Icyiza. Inguzanyo ingana na $ 350,000;
6) Min. FICO 680.

Amabwiriza yinjira

Ig Piggybacks ikurikiza ibisabwa byambere.
★ Ibisanzwe: Vuba aha ukwezi kwishura + umwaka ushize W2.
Inyandiko mvugo yimisoro irasabwa mugihe ukoresheje imenyekanisha ryimisoro kugirango ubone ibyangombwa.

Amabwiriza rusange

Inkomoko yikigereranyo cyinguzanyo zinguzanyo:https://www.wsj.com/ikimenyetso-data/ibigega/moneyrates

Charge Amafaranga yatangijwe ni “Max Point & Amafaranga 5%”.

1.5 $ 1.5m Max Yishyizwe hamwe.
Igipimo Cyubuzima Bwuzuye Igipimo: 18% cyangwa leta ntarengwa nubuzima bwubuzima bwa 2.5%.
★ Kugura ntibyemewe.
Ation Ikigereranyo cyo kugura: 1: 3 (0.125 yagabanutse ku gipimo, 0.375 igiciro ku giciro. Kugura-kugura 1.000% muri
igipimo.)
★ Igicuruzwa cya kabiri cyo kugura urugo nticyemewe kurubu

(1) Max DTI 43% yinguzanyo ntarengwa $ 250,000
(2) Icyitonderwa Igipimo + 2% P&I hejuru yimyaka 30 amortisation nkigipimo cyujuje ibisabwa.
(3) Umutungo / Amafaranga yo Gufunga / Kubika:
★ Piggybacks: kurikiza ibisabwa byambere.
★ Ibisanzwe: nta genzura ry'umutungo risabwa niba uwagurijwe yakiriye amafaranga-bitabaye ibyo (byibuze utange byibuze ukwezi kumezi y'umutungo utimukanwa werekana amafaranga ahagije yo gufunga)
(4) Inguzanyo yatinze: 0x30x24

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, Ibicuruzwa bizatanga ku isi yose, nka: Qatar, Libiya, Eindhoven, Imigabane yacu ifite agaciro ka miliyoni 8 z'amadolari, urashobora kubona ibice byapiganwa mugihe gito cyo gutanga. Isosiyete yacu ntabwo ari umufatanyabikorwa wawe mubucuruzi gusa, ahubwo isosiyete yacu ni umufasha wawe mumuryango uza.

-AAA Inguzanyo