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

Ibicuruzwa birambuye

Inzozi zo gutunga amazu ntizagarukira kubaguzi gakondo. Muri AAA LENDINGS, dufite gahunda zihariye zo kwita kubatiza inguzanyo gakondo. Niba wikorera wenyine, ufite amafaranga yinjiza, cyangwa uhura nubukungu budasanzwe, amahitamo yinguzanyo arashobora gufata inyungu zawe. Twakiriye neza muburyo butandukanye mubaguriza kandi dushakisha byimazeyo ibisubizo bishya byinguzanyo, turebe ko urugendo rwawe kuri nyiri urugo rukomeza kuba rwiza, tutitaye kubibazo byubukungu.Inguzanyo zinguzanyo hamwe nigiciro cyiza,Inguzanyo isanzwe 620 Amanota y'inguzanyo,Igipimo cy'inguzanyo, Kimwe mubitambo byacu byingenzi ni ibicuruzwa byinguzanyo 'Non-QM', kandi twishimiye cyane kuyobora inzira muriki cyiciro cyo gutanga inguzanyo. Turi abahanga cyane muriyi domeni, dufite uburambe bunini no kwinjira hakiri kare ku isoko, bigatuma tumenyera gusobanukirwa no gukemura ibibazo byawe byamafaranga. Kuyobora inzira igana ku ntego zawe zamafaranga biba byoroshye, byoroshye kugerwaho hamwe na AAA LENDINGS kuruhande rwawe. Inararibonye imbaraga zo gutanga inguzanyo yihariye natwe uyumunsi, kandi reka tugufashe kugera kubyo wifuza byamafaranga.

- 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).

Ingingo z'ingenzi

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

Kuki duhitamo Amatangazo ya Banki?

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 ibyinjira byinjira ni ibisubizo byiza 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 nta misoro batanga kubera gukoresha amategeko agenga imisoro. Benshi bafite amafaranga mabi. Kubwamahirwe make, kwandika byinshi bisobanura ko abikorera ku giti cyabo bahembwa umushahara bafite ikibazo kitoroshye cyo kubona inguzanyo. Abatanga inguzanyo gakondo bazakoresha amafaranga yinjiza ahinduwe mugihe babara amafaranga yujuje ibyangombwa, ninkuru nziza kubaguzi bikorera ku giti cyabo bafite inguzanyo zitari QM. Dufite inguzanyo zitari QM kubatiza inguzanyo ku giti cyabo nta musoro ku nyungu usabwa.

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 ku nguzanyo zitari QM, dukenera buri gihe 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:

Kugenda ahantu nyaburanga hashobora kuba ingorabahizi, ariko AAA LENDINGS yoroshya inzira, bigatuma ishishikaza kandi nta guhangayika. Dutanga sisitemu yo gukusanya inyandiko isobanutse kandi yuzuye, igufasha kohereza byoroshye impapuro zisabwa kumurongo. Twese tuzi neza ko igihe cyawe gifite agaciro, kandi mugukora inzira neza, turakomeza gukora cyane no kugenzura urugendo rwawe rwinguzanyo. - Inguzanyo ya AAA Non-QM 12 cyangwa 24-Amezi Yumuntu Yumushinga / Ubucuruzi bwa Banki Yubucuruzi - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Iraki, Turukimenisitani, Rumaniya, Hamwe n’urwego runini, rwiza, ibiciro byumvikana hamwe n’ibishushanyo mbonera, ibisubizo byacu bikoreshwa cyane mu bwiza no mu zindi nganda. Ibisubizo byacu bizwi cyane kandi byizewe nabakoresha kandi birashobora guhora bihinduka mubukungu no mubukungu.

-AAA Inguzanyo

Twakoranye namasosiyete menshi, ariko iki gihe nicyiza explanation ibisobanuro birambuye, gutanga ku gihe kandi byujuje ubuziranenge, byiza!
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