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

Ibicuruzwa birambuye

Mugihe abatanga inguzanyo benshi bafite aho bagarukira, dukomeje kwagura ibikorwa byacu muri leta zitandukanye, dukorera abahawe inguzanyo muri leta 45, harimo amwe mumasoko akomeye nka California na Texas. Kugera kwacu kwagutse kudufasha gusobanukirwa no guhuza n'imiterere y'akarere, tukareba ko abakiriya bacu bo muri leta zitandukanye bahabwa inkunga yaho mugihe bagifite inyungu kubumenyi bwigihugu cyacu.Amasosiyete 10 yambere yinguzanyo,Inzu y'ikiruhuko,Ubwishingizi bwo Gutakaza Ubwishingizi, Iyo bigeze ku biciro, AAA LENDINGS yiyemeje gutanga amahitamo arushanwa kandi ahendutse. Turabizi ko kubona inguzanyo bitarimo gushaka inzu yawe yinzozi gusa ahubwo no kureba ko ikomeza gushora imari ihendutse. Ubwitange bwacu bwo gutanga ibiciro birushanwe bivuze ko ushobora gutangira urugendo rwizeye urugendo rwa nyiri urugo, uzi ko wabonye inguzanyo ijyanye na bije yawe.

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

Amazina-6

Incamake

Ibicuruzwa byoroshye muburyo butandukanye bwa porogaramu zitari QM.
Nta byinjira / Nta kazi / Nta musoro, nta kugereranya igipimo cya DTI nk'inguzanyo zisanzwe. Gusa niba umutungo wibintu ari umutungo wishoramari.

Ibisobanuro

1) Amafaranga agera kuri $ 2M y'inguzanyo;
2) Kugera kuri 80% Max LTV;
3) amanota 660 cyangwa arenga;
4) Irashobora gufunga ibice;
5) Nta karimbi ku mubare wumutungo uterwa inkunga;
6) SFRs, 2-4 Units, Condos, Inzu yumujyi, Condotels, na Condos zitemewe.

Gahunda ya DSCR

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. Ibikurikira, reka tugendere muri gahunda ya DSCR.

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

Twebwe AAA Inguzanyo ubu dutanga "Nta kigereranyo DSCR" kubakiriya bacu, bivuze ko igipimo gishobora kumanuka kuri "0 ″. Mubicuruzwa byinguzanyo byamasezerano yacu, 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

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, iyo niyo gahunda ya DSCR, nicyo gicuruzwa kizwi cyane kitari QM mu nguzanyo zinguzanyo zinzu.

Ni izihe nyungu za gahunda ya DSCR?

Nta kigereranyo DSCR, ibicuruzwa byinguzanyo bitagenzura ibyinjira, nta bisabwa byinjiza abashyitsi, kuko iki gicuruzwa cyinguzanyo ntikirimo kubara DTI. Umubare ntarengwa wa DSCR urashobora kuba munsi ya 0. Nubwo ubukode bwinzu ari buke, turashobora kubikora! Iri ni ihitamo ryiza kubashyitsi 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.

Amabwiriza yacu aroroshye kandi niba inguzanyo yawe yumvikana tuzagufasha kuyifunga vuba. Dufite itumanaho ryiza kandi twinjiza byihuse kubitari Non-QM, twandikire niba hari ibyo ukeneye.

Winjiza amafaranga menshi! Impuzandengo yacu yo gufunga ni munsi yibyumweru 3 kandi turafunga nta mananiza. Tekereza uburyo aboherejwe baziyongera.

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: Hyderabad, Zurich, Swaziland, Twita cyane kubakiriya, kandi dukunda buri mukiriya. Twakomeje kugira izina rikomeye mu nganda imyaka myinshi. Turi inyangamugayo kandi dukora kugirango twubake umubano muremure nabakiriya bacu.

-AAA Inguzanyo

Abakozi ba tekinike yinganda ntibafite gusa urwego rwo hejuru rwikoranabuhanga, urwego rwicyongereza narwo ni rwiza cyane, iyi nubufasha bukomeye mu itumanaho ryikoranabuhanga.
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