Ibicuruzwa byinshi - AAA Gutiza HELOC - AAA Gutanga Inguzanyo numushoramari

Ibicuruzwa birambuye

Uburezi bwabakiriya nifatizo ryubutumwa bwa AAA LENDINGS. Twizera ko uwagurijwe abimenyeshejwe ari inguzanyo. Niyo mpamvu tugenda ibirometero byinshi kugirango dutange ibikoresho byuburezi nubuyobozi bigufasha kugendana ningorabahizi mubikorwa byinguzanyo. Itsinda ryacu ryiyemeje gusubiza ibibazo byanyu, gusobanura ibibazo byinyungu zinyungu, amahitamo yinguzanyo, nibindi byinshi, kugirango mfate ibyemezo neza. Ubumenyi bwawe bwamafaranga nicyizere kuri twe.Abatanga inguzanyo muri Californiya,Gahunda yo Kugabanya Umutungo,Inguzanyo ya Broker Amasomo, Ikidutandukanya nuburyo bwacu bwihariye bwo gutanga inguzanyo, bitandukanye nuburyo bumwe-bumwe-bukoreshwa nabandi benshi. Dutanga ibisubizo byihariye kubikenewe byihariye bya buri mukiriya ku giti cye, twizera tudashidikanya ko inguzanyo zose zishoboka. Hamwe n'inguzanyo ya AAA, intego zawe zamafaranga ziba izacu, kandi hamwe, turabikora.

- 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.

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

* 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%.

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:

Igihe cyawe ni icy'agaciro, kandi turabyubaha. Ku nguzanyo ya AAA, twiyemeje kunonosora inzira yinguzanyo kugirango tubone umwanya n'imbaraga. Porogaramu yacu kumurongo irashimisha abakoresha kandi yateguwe muburyo bworoshye. Urashobora kurangiza gusaba kumuvuduko wawe, uhereye kumurugo wawe cyangwa mubiro. Turabizi ko ufite ubuzima buhuze, kandi tugamije gukora inzira yinguzanyo ishishikaje, ikora neza, kandi igatwara igihe. - AAA Inguzanyo HELOC - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Nepal, Alijeriya, Uzubekisitani, Isosiyete yacu ubu ifite amashami menshi, kandi ifite abakozi barenga 20 muri sosiyete yacu. Twashizeho iduka ryo kugurisha, icyumba cyo kwerekana, hamwe nububiko bwibicuruzwa. Hagati aho, twiyandikishije ku kirango cyacu. Twakomeje kugenzura ubuziranenge bwibicuruzwa.

-AAA Inguzanyo

Nubwo turi isosiyete nto, natwe turubahwa. Ubwiza bwizewe, serivisi zivuye ku mutima hamwe ninguzanyo nziza, twishimiye kuba dushobora gukorana nawe!
Inyenyeri 5