Ibicuruzwa byinshi - AAA Gutiza HELOC - AAA Gutanga Inguzanyo numushoramari

Ibicuruzwa birambuye

Mugihe abatanga inguzanyo benshi bafite aho bagarukira, dukomeje kwagura ibikorwa byacu muri leta zitandukanye, dukorera abahawe inguzanyo muri leta 45, harimo amwe mumasoko akomeye nka California na Texas. Kugera kwacu kwagutse kudufasha gusobanukirwa no guhuza n'imiterere y'akarere, tukareba ko abakiriya bacu bo muri leta zitandukanye bahabwa inkunga yaho mugihe bagifite inyungu kubumenyi bwigihugu cyacu.Inguzanyo isanzwe Vs Va Inguzanyo,Amafaranga yinjira mu gisirikare,Isosiyete Yambere Yinguzanyo Muri Twebwe, KUGURISHA AAA, ibyo twiyemeje kuba indashyikirwa bigera no ku ikipe yacu. Twishimiye kuba dufite itsinda ryabakozi babigize umwuga ninzobere mu nguzanyo zinguzanyo. Abashinzwe inguzanyo ntabwo ari abahanga gusa; ni inshuti zawe. Barahari kugirango bakuyobore muburyo bwose bwo gutanga inguzanyo, kuva gusaba kugeza gufunga. Twishimiye ubuhanga bw'ikipe yacu, tukemeza ko wakiriye urwego rwo hejuru rwa serivisi n'inkunga.

- 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:

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 za AAA HELOC - Inguzanyo za AAA, Ibicuruzwa bizatanga ku isi yose, nka: Koweti, Curacao, Philippines, Kuba inyangamugayo kuri buri mukiriya turasabwa! Icyiciro cya mbere gikora, cyiza, igiciro cyiza nitariki yo gutanga byihuse ninyungu zacu! Guha buri mukiriya serivisi nziza ni tenet yacu! Ibi bituma isosiyete yacu ibona neza abakiriya ninkunga! Murakaza neza kwisi yose abakiriya batwoherereza iperereza kandi dutegereje ubufatanye bwiza! Nyamuneka ubaze ibisobanuro birambuye cyangwa gusaba ubucuruzi mu turere twatoranijwe.

-AAA Inguzanyo