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.Ubwishingizi bw'Umwuzure,Florida Mortgage Broker Cyangwa Utanga Inguzanyo,Igipimo cyiza cyinguzanyo, Ku bijyanye no guhaza abakiriya, ntabwo twujuje ibyateganijwe gusa; turabarenze. Ikipe yacu yiyemeje gutanga inkunga ntagereranywa murugendo rwawe rwinguzanyo. Dushiraho abashinzwe gutanga inguzanyo babigenewe kandi bitonze, tukemeza ko ubona ubufasha bwihariye kuva iperereza ryambere kugeza kumeza yo gusoza. Twizera ko iyo tugenda ibirometero byinshi kandi tugatanga serivisi zidasanzwe, ntabwo dukurura gusa ahubwo tunagumana abakiriya banyuzwe batubera abavugizi bacu bakomeye.

- Inguzanyo ya AAA HELOC - Inguzanyo ya AAA Ibisobanuro:

Heloc

Incamake

HELOC.

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%.

Ibisobanuro

1) Nka karita yinguzanyo ntarengwa
2) Nta gihano cyo kwishyura mbere
3) Ntamafaranga yumwaka
4) Ibanze & Urugo rwa kabiri bujuje ibisabwa
5) 1 Igice & Kugera kuri 90% HCLTV
6) Inguzanyo ntarengwa ya $ 350,000
7) Min. FICO 680
8) Piggyback nayo irahari

Niyihe mpamvu yo guhitamo iyi gahunda?

Muri rusange, HELOC irashobora kuba amahitamo meza kubaguriza mugihe inyungu yibicuruzwa byinshi muri rusange bizamuka.

Amabwiriza rusange

(1) Icyitonderwa Igipimo + 2% P&I hejuru yimyaka 30 amortisation nkigipimo cyujuje ibisabwa.
(2) 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)
(3) Isuzuma / Agaciro k'umutungo
Ig Piggybacks: kurikiza amabwiriza ya FNMA / FHLMC (ukurikije ubwoko bwibitekerezo bya AUS byatanzwe) usibye AAA LENDINGS ntizemera gusiba. Niba AUS yemeye kureka isuzumabumenyi, noneho utange: ①AVM na raporo yimiterere yumutungo muto ntarengwa (harimo amafoto) yanditswe mugihe cyiminsi 120 uhereye umunsi wanditseho inyandiko cyangwa ② isuzuma (rishobora kuba desktop, ubugenzuzi bwimbere na / cyangwa ubugenzuzi bwimbere) ryujujwe nisuzuma ryemewe / ryemewe na leta ryanditswe mugihe cyumwaka umwe wanditse.
★ Ibisanzwe: 1) AVM na raporo yumutungo muto ntarengwa (harimo amafoto) cyangwa 2) isuzumabumenyi (rishobora kuba desktop, ubugenzuzi bwimbere na / cyangwa ubugenzuzi bwimbere) ryujujwe nisuzuma ryemewe / ryemewe na leta ryanditswe mugihe cyumwaka umwe wanditse.
★ Ku mbago zinguzanyo> $ 250,000, FNMA 1004 yuzuye cyangwa FHLMC 70 hamwe nimbere & hanze igenzura irimo amafoto yamabara asabwa
(4) Umutwe ntushobora gufatwa mwizina ryizere.
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(6) Inguzanyo igomba kuba kumwanya wa kabiri.
(7) Ntamafaranga yumwaka
(8) Ubukode ntibujuje ibisabwa
(9) Kwishura bizatangwa ku ya 15 ya buri kwezi
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(12) Nta Kwishyura mbere.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

KUGURIZA AAA ntabwo gutanga inguzanyo gusa; turi umufatanyabikorwa wawe wubukungu. Dufata umwanya wo kumva intego zawe zamafaranga nibyifuzo byawe, dutanga ubuyobozi burenze inzira yo gusaba. Ibyo twiyemeje mu mibereho yawe y’amafaranga birenze kure cyane guhagarika amasezerano, kandi twiyemeje kugufasha kugera ku ntego zawe z'igihe kirekire, zaba nyir'amazu, ishoramari ry’imitungo itimukanwa, cyangwa guhuriza hamwe imyenda. - Inguzanyo ya AAA HELOC - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Atlanta, Stuttgart, Etiyopiya, twishingikirije ku nyungu zacu bwite kugira ngo twubake uburyo bw’ubucuruzi bwunguka inyungu hamwe n’abafatanyabikorwa bacu. Nkigisubizo, ubu twabonye umuyoboro wo kugurisha kwisi yose ugera muburasirazuba bwo hagati, Turukiya, Maleziya na Vietnam.

-AAA Inguzanyo

Imyitwarire y'abakozi ba serivisi kubakiriya irabikuye ku mutima kandi igisubizo nikigihe kandi kirambuye, ibi biradufasha cyane mumasezerano yacu, murakoze.
Inyenyeri 5