Igurisha - AAA Inguzanyo Atari QM 12 cyangwa 24-Amezi Yumuntu / Gahunda ya Banki Yubucuruzi - Gahunda yo gutanga inguzanyo ya AAA numushoramari

Ibicuruzwa birambuye

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 5 za mbere,Amafaranga asigaye,Amateka yo Kwishura, Yashinzwe mu 2007, AAA LENDINGS ni inguzanyo ikomeye itanga inguzanyo ifite amateka akomeye mu myaka 15. Twamenyekanye cyane kubera ubwitange tutajegajega bwo gutanga serivisi zidasanzwe no kwizerwa ku isi yo gutanga inguzanyo. Inshingano zidasanzwe zo gutanga inguzanyo ni gihamya y'uburambe n'ubushobozi bwacu, hamwe n'inguzanyo zitangaje zose hamwe zirenga miliyari 20 z'amadolari. Mu myaka yashize, ubwo bushobozi bwamafaranga bwadushoboje gufasha imiryango igera ku 50.000 kugera ku ntego zabo zo kuguza, bigatuma inzozi zo gutunga amazu ziba impamo.

- Inguzanyo ya AAA Atari QM 12 cyangwa 24-Amezi Yumuntu / Gahunda Yumushinga wa Banki Yubucuruzi - Inguzanyo ya AAA Ibisobanuro:

Amazina-5

Incamake

Abaguriza ku giti cyabo bafite inguzanyo nziza cyane amafaranga yinjiza ku musoro ntashobora kuzuza inzu nziza bashobora kugura. Wujuje ibisabwa 100% kubitsa konti yawe bwite na 50% kubitsa konti yubucuruzi (amezi 12 yikurikiranya)

Ibisobanuro

1) Amafaranga agera kuri $ 4M y'inguzanyo;
2) Kugera kuri 80% Max LTV;
3) Abikorera ku giti cyabo hamwe n'abaguriza 1099;
4) amanota 660 cyangwa arenga;
5) Nta bubiko busabwa kuri 75% cyangwa munsi ya LTV;
6) No 4506T / Oya K1's / Oya P & L;
7) Nta MI (Ubwishingizi bw'inguzanyo).

Kuki duhitamo iyi gahunda?

Nubwo Abanyamerika benshi bashobora kuzuza ibyangombwa byuzuye byinguzanyo zisanzwe zamazu, benshi baracyahuza nubuyobozi bwa Fannie na Freddie mugihe cyo gutanga inguzanyo. Ku bw'amahirwe, Inguzanyo zitari QM hamwe na banki yerekana amafaranga yinjiza ni igisubizo gikomeye kuri aba baguriza badasanzwe.

By'umwihariko, abikorera ku giti cyabo binjiza umushahara bafite uburambe bwo kwandika amafaranga menshi y’ubucuruzi hakurikijwe amategeko agenga imisoro. Kwandika amafaranga yakoreshejwe mubucuruzi yinjiza amafaranga menshi yunguka abikorera ku giti cyabo binjiza umushahara mukwishyura make mumisoro yinjira.

Abantu benshi bikorera ku giti cyabo bafite abacungamari bajijutse akenshi bishyura make nta misoro bitewe no gukoresha amategeko agenga imisoro. Benshi bafite amafaranga mabi. Kubwamahirwe make, kwandika byinshi bivuze ko bikorera ku giti cyabo-bahembwa umushahara bafite ikibazo kitoroshye cyo kubona inguzanyo. Abatanga inguzanyo gakondo bazakoresha amafaranga yinjiza yose mugihe babara amafaranga yujuje ibyangombwa. Amakuru meza kubaguzi bikorera ku giti cyabo bafite inguzanyo zitari QM. Dufite inguzanyo zitari QM kubatiza inguzanyo ku giti cyabo nta musoro ku nyungu usabwa. Muri iyi ngingo, tuzaganira kandi tunasuzume inguzanyo zitari QM zerekana inguzanyo kubikorera ku giti cyabo.

Iyi gahunda yagenewe nde?

Iyi gahunda yagenewe abahawe inguzanyo bikorera ku giti cyabo kandi bakungukirwa n'ubundi buryo bwo gutanga inguzanyo. Inyandiko za banki zirashobora gukoreshwa muburyo bwo kumenyekanisha imisoro kugirango yandike uwagurijwe wenyine. Uretse ibyo, ibyemezo bya banki ku giti cye na / cyangwa ubucuruzi byemewe.

Nibura umwe mubagurijwe agomba kuba yikorera wenyine byibuze imyaka 2 (25% cyangwa nyirubwite) kugirango yemererwe niyi gahunda. Nibisabwa bisanzwe kugirango hamenyekane niba uwagurijwe ari we wenyine uguriza. Rimwe na rimwe, uwagurijwe arashobora gutunga nyir'ubucuruzi, nyamara, tubara gusa nk'abahawe inguzanyo ku giti cyabo iyo barenze 25%. Mu nguzanyo z'ikigo, duhora tuvuga K-1 cyangwa Gahunda G; mugihe kubwinguzanyo zitari QM, burigihe dukenera ibaruwa ya CPA kugirango tumenye nyirubwite.

Mubisanzwe, uwatanze inguzanyo yabara amafaranga yujuje ibisabwa afata impuzandengo yimibare yabikijwe na banki mumezi 12 cyangwa 24, hanyuma inshuro nyinshi zikoreshwa. Ibyo bigomba kuba uwagurijwe yujuje ibyangombwa byiyi gahunda.

Kubijyanye no gukoresha amafaranga, abashoramari benshi batari QM barashobora kugira igipimo gisanzwe nka 50%. Dufite iki cyifuzo. Ariko, niba CPA yawe ishobora gutanga ibaruwa ifite impamvu zikwiye, turashobora gutekereza kubitekerezo byoroshye. Nturenze imipaka ntarengwa ~

Niba hari ibyo ukeneye, twandikire mbere, turashobora gutanga kubuntu mbere yo gusesengura kubuntu. Ibyo bigomba kuba ingirakamaro kuri mwese cyane cyane abashinzwe inguzanyo ya Mortgage, kugirango bakorere abakiriya bawe neza.

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 Non-QM 12 cyangwa 24-Amezi Yumuntu / Gahunda ya Banki Yubucuruzi Yumushinga - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Montreal, Jeworujiya, Kolombiya, Uyu munsi, Turi kumwe nishyaka ryinshi n'umurava kugirango turusheho guhaza ibyo abakiriya bacu bakeneye ku isi bafite ubuziranenge bwiza no guhanga udushya. Twishimiye byimazeyo abakiriya baturutse impande zose zisi gushiraho umubano wubucuruzi uhamye kandi wunguka, kugirango ejo hazaza heza hamwe.

-AAA Inguzanyo

Umuyobozi w'ikigo afite uburambe bukomeye bwo kuyobora no kwitwara neza, abakozi bagurisha barashyuha kandi bishimye, abakozi ba tekinike ni abahanga kandi bafite inshingano, ntabwo rero duhangayikishijwe nibicuruzwa, uruganda rwiza.
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