Ibicuruzwa byinshi - AAA Inguzanyo Atari QM DSCR (Igipimo cya Serivise Yimyenda Igipimo) Gahunda - AAA Gutanga Inguzanyo numushoramari

Ibicuruzwa birambuye

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.Gahunda yo Guhugura Inguzanyo,Inguzanyo isanzwe Vs Usda,Urutonde rw'abatanga inguzanyo, Ku nguzanyo ya AAA, twumva ko guhitamo inguzanyo yatanzwe ari icyemezo gikomeye. Niyo mpamvu tugenda ibirometero byinshi kugirango uburambe bwawe butumire bishoboka. Dutanga urubuga-rworohereza abakoresha hamwe nogukoresha byoroshye, tukemeza ko ushobora kubona amakuru yingenzi bitagoranye. Uzasangamo kandi ibikoresho byingirakamaro nkibikoresho byo kubara inguzanyo hamwe namakuru yerekana amakuru ya blog, agenewe kuguha imbaraga nubumenyi no gukora urugendo rwawe rwinguzanyo rushimishije kandi rwigisha.

- Inguzanyo ya AAA itari QM DSCR (Igipimo cya Coverage Coverage Igipimo) Gahunda - Inguzanyo ya AAA Ibisobanuro:

Amazina-6

Incamake

Gahunda ya DSCR (Igipimo cya Coverage Coverage).

Iyi niyo gahunda yoroshye muri gahunda zose zitari QM.

Amafaranga yinjiza / Imiterere y'akazi / Gusubiza imisoro ntabwo bisabwa.

Ingingo z'ingenzi

1) Amafaranga y'inguzanyo agera kuri $ 2M;
2) LTV igera kuri 75%;
3) Amanota y'inguzanyo 660 cyangwa arenga;
4) Irashobora gufunga ibigo;
5) Nta karimbi ku mubare wumutungo uterwa inkunga;
6) SFRs, 2-4 Units, Condos, Townhomes, Condotels, na Condos zitemewe.

DSCR ni iki?

Waba uzi kuzuza inguzanyo yinguzanyo yinzu nta makuru yakazi ninjiza?
Ntabwo wujuje ibyangombwa byinguzanyo zisanzwe?
Waba uzi gahunda y'inguzanyo aribicuruzwa byoroshye?
Urashaka kumenya gukoresha inyandiko zagabanijwe kugirango wemererwe inguzanyo?
Birakugoye cyane kubona inguzanyo yo murugo muruganda rwawe?

Dutanga gahunda nziza yinguzanyo kugirango duhaze ibintu byingenzi byavuzwe haruguru - Gahunda ya DSCR. Nibicuruzwa bizwi cyane Non-QM mu nguzanyo zinguzanyo zinzu.

DSCR (Igipimo cy'Imyenda Coverage Ratio) yagenewe abashoramari b'imitungo inararibonye kandi yujuje ibisabwa abahawe inguzanyo bashingiye kumafaranga ava mumitungo gusa kugirango basesengure ingaruka ziterwa nishoramari. Uyu munsi, twibanze ku gusobanura ibisobanuro bya DSCR no kwerekana ibanga rya gahunda ya DSCR duhereye ku ishoramari ryinguzanyo zamazu.

Nigute ushobora kubara DSCR?

Ku nguzanyo zinguzanyo zamazu, DSCR bivuga igipimo cyamafaranga yubukode bwukwezi kumazu yishoramari hamwe namafaranga yose yimiturire (nkibanze, inyungu, umusoro wubutaka, ubwishingizi namafaranga yo gucunga (niba hari amafaranga atakoreshejwe mubyukuri, azandikwa nka 0)). Iyo igipimo kiri hasi, niko ibyago byinshi byinguzanyo. Irashobora kugaragazwa muri ibi bikurikira:

burambuye

Dutanga "Nta kigereranyo DSCR" kubakiriya bacu, bivuze ko igipimo gishobora kumanuka kugera kuri "0 ″. Mubicuruzwa byacu byinguzanyo bisanzwe, dukeneye kugereranya amafaranga twinjiza na PITIA ya buri kwezi (Ihame / Inyungu / Umusoro / Ubwishingizi / HOA) hamwe nindi myenda yinzu yatanzweho ingwate kugirango tumenye niba inguzanyo ishobora kuzuza ibisabwa.

DSCR

Inyungu za DSCR

Nta kigereranyo DSCR, ibicuruzwa byinguzanyo bitagenzura ibyinjira, nta bisabwa byinjiza uwagurijwe kuko bitarimo kubara DTI. Umubare ntarengwa wa DSCR urashobora kuba munsi ya 0. Nubwo amafaranga yubukode ari make, turashobora kubikora! Iri ni ihitamo ryiza kubaguriza bafite amafaranga make cyangwa imyenda myinshi.

Uretse ibyo, Abanyamahanga bemewe niyi gahunda, cyane cyane na viza ya F1. Niba uri umunyamahanga, kandi ukaba udashobora kwemererwa ninguzanyo isanzwe yinguzanyo, twandikire hanyuma ubone inguzanyo yawe.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Ibyo twiyemeje gukorera mu mucyo birenze ibyiciro byambere byinguzanyo. Turemeza ko wunvise neza amasezerano yinguzanyo yawe, harimo igipimo cyinyungu, amafaranga, nigiciro cyo gufunga. Ntibitangaje kumunsi wo gusoza. Twiyemeje kuguha ibisobanuro bitaziguye, bidafite jargon, kuburyo ushobora kwizera neza kugendana namafaranga yo kugura inzu cyangwa gutunganywa. - Inguzanyo ya AAA Non-QM DSCR (Igipimo cya Coverage Service Coverage Ratio) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Turukiya, Luxembourg, Amerika, Twubatse umubano ukomeye kandi muremure mubufatanye ninshi mubigo byinshi muri ubu bucuruzi muri Kenya no mumahanga. Serivise ako kanya kandi yumwuga nyuma yo kugurisha itangwa nitsinda ryacu ryabajyanama ryishimiye abaguzi bacu. Amakuru yuzuye nibipimo bivuye mubicuruzwa birashoboka koherezwa kubwawe kugirango ubyemere neza. Ingero z'ubuntu zirashobora gutangwa kandi isosiyete ikagenzura isosiyete yacu. n Kenya yo gushyikirana ihora ikaze. Twizere kubona anketi wandike kandi wubake ubufatanye bwigihe kirekire.

-AAA Inguzanyo

Abakozi bafite ubuhanga, bafite ibikoresho byose, inzira irasobanutse, ibicuruzwa byujuje ibisabwa kandi gutanga biratangwa, umufatanyabikorwa mwiza!
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