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

Ibicuruzwa birambuye

AAA LENDINGS yishimira uruhare rwabaturage bacu hamwe ninshingano zabaturage. Twizera ko kuba inguzanyo ishinzwe bisobanura gusubiza abaturage dukorera. Ikipe yacu igira uruhare rugaragara mubikorwa byubugiraneza, gushyigikira impamvu zaho, no guteza imbere gusoma no kwandika. Ntabwo turi mubucuruzi bwo gutanga inguzanyo gusa; dushora imari mugukora ingaruka nziza mubuzima bwabakiriya bacu nabaturage bita murugo.Abatanga inguzanyo 10 ba mbere,Ingano y'inguzanyo isanzwe,Isosiyete itanga inguzanyo, Isi yinguzanyo ihora itera imbere, kandi turi hafi yo guhanga udushya. Kuri AAA LENDINGS, dutanga ibikoresho bigezweho bya digitale hamwe nibikoresho byorohereza mobile bigufasha gutangira gusaba inguzanyo cyangwa kwakira amakuru mugihe ugenda. Ikoranabuhanga ryacu ryorohereza abakoresha ryoroshya inzira, rishyira imbaraga zo gucunga inguzanyo mukiganza cyawe. Turabizi ko umwanya wawe ufite agaciro, kandi ibisubizo byubuhanga-buhanga bikagutwara igihe nikibazo.

- 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:

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. - Inguzanyo ya AAA Non-QM 12 cyangwa 24-Amezi Yumuntu / Ubucuruzi bwa Banki Yubucuruzi - AAA Inguzanyo, Igicuruzwa kizatanga ku isi yose, nka: Toronto, Abarabu b’Abarabu, Abanyaburayi, Twubahiriza ubutumwa bw’inyangamugayo, bukora neza, bufatika bwo gutsindira inyungu hamwe na filozofiya y’ubucuruzi. Ubwiza buhebuje, igiciro cyiza no guhaza abakiriya burigihe bikurikiranwa! Niba ushishikajwe nibintu byacu, gerageza kutwandikira kugirango ubone ibisobanuro birambuye!

-AAA Inguzanyo

Iyi sosiyete irashobora kuba nziza kugirango ihuze ibyo dukeneye ku bwinshi bwibicuruzwa nigihe cyo gutanga, bityo duhora tubihitamo mugihe dufite ibisabwa byamasoko.
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