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

Ibicuruzwa birambuye

KUGURISHA AAA, twizera gusubiza abakiriya bacu bafite agaciro. Niyo mpamvu dutanga gahunda yubudahemuka iguhembera ikizere cyawe nubufatanye bukomeje natwe. Gahunda yacu yo kwizerwa yagenewe gukomeza gusezerana no gushimwa, itanga inyungu zidasanzwe hamwe nigabanywa kubakiriya bacu bagarutse. Ubwitange bwawe kuri AAA LENDINGS buramenyekana kandi burahembwa, kandi duharanira gukomeza inyungu zawe muri serivisi zacu uburambe.Inguzanyo zinguzanyo cyangwa inguzanyo,Umutungo utimukanwa,Umutungo Winjiza, Kurenga ibicuruzwa gakondo byinguzanyo, dutanga urutonde rwibisubizo byinguzanyo byujuje ibyifuzo byabakiriya. Ibicuruzwa byacu byinguzanyo 'Non-QM' byateguwe mubihe bidasanzwe byubukungu, bituma tuba inguzanyo yo kuguriza kubaguriza badahuje imiterere gakondo. Twizera ko hari inguzanyo kuri buri wese, kandi uburyo bwihariye bwo gutanga inguzanyo bwerekana ko twiyemeje kutishyira hamwe.

- 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 $ 3M;
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 abafite amazu benshi bashobora kuzuza ibyangombwa byuzuye byinguzanyo zisanzwe, benshi ntibakurikiza amabwiriza ya Fannie na Freddie mugihe cyo gutanga inguzanyo. Ku bw'amahirwe, Inguzanyo zitari QM hamwe na banki zerekana ibyinjira byinjira ni ibisubizo byiza kuri aba baguriza badasanzwe.

Abikorera ku giti cyabo binjiza umushahara bafite uburambe bwo kwandika amafaranga menshi yubucuruzi hakurikijwe amategeko agenga imisoro. Kwandika amafaranga yakoreshejwe mubucuruzi yinjiza yose afasha abahawe inguzanyo kugabanya cyane imyenda yimisoro, kandi rimwe na rimwe byerekana igihombo rusange cyangwa inyungu mbi kumwaka. Imenyekanisha rya Banki Atari QM Inguzanyo izashobora gufasha aba baguriza kubona ibyangombwa byinguzanyo baterekanye imenyekanisha ryimisoro kandi bagakoresha impapuro zabo muri banki kugirango berekane amafaranga nyayo yubucuruzi bwabo.

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 (hamwe na 25% cyangwa nyirubwite) kugirango yemererwe niyi gahunda. Iki nikintu gisanzwe gisabwa kugirango umenye niba uwagurijwe ari uwikorera wenyine. 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%. Nubwo ibi aribyo dusabwa bisanzwe, ariko niba CPA yawe ishobora gutanga ibaruwa ifite impamvu zifatika, turashobora gutekereza kubitekerezo byoroshye bitewe nuburyo imiterere yubucuruzi ifite amafaranga make.

Nyamuneka nyamuneka hamagara itsinda ryacu kugirango dusesengure ku buntu amafaranga yinjira mbere yo gutanga inguzanyo kugirango ufashe neza abakiriya bawe.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Kuri benshi mubakiriya bacu, inguzanyo irenze kugurisha amafaranga gusa; ni intambwe ikomeye y'ubuzima. Waba uri ubwa mbere ugura urugo cyangwa umushoramari utimukanwa ufite uburambe, twegereye buri porogaramu nitonze kandi ikwiye. Dufata umwanya wo gusobanukirwa intego zawe n'ibyifuzo byawe, tukemeza ko inguzanyo yawe ihuye nicyerekezo cyawe cy'ejo hazaza. - Inguzanyo ya AAA Non-QM 12 cyangwa 24-Amezi Yumuntu Yumuntu / Ubucuruzi bwa Banki Yubucuruzi - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Arumeniya, Tuniziya, Igifaransa, Noneho turatekereza tubikuye ku mutima guha abamamaza ibicuruzwa mu bice bitandukanye kandi inyungu nyinshi z’abakozi bacu nicyo kintu cyingenzi twitaho. Murakaza neza inshuti zose nabakiriya kugirango twifatanye natwe. Twiteguye gusangira win-win corporation.

-AAA Inguzanyo