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

Ibicuruzwa birambuye

Uburezi bwabakiriya nifatizo ryubutumwa bwa AAA LENDINGS. Twizera ko uwagurijwe abimenyeshejwe ari inguzanyo. Niyo mpamvu tugenda ibirometero byinshi kugirango dutange ibikoresho byuburezi nubuyobozi bigufasha kugendana ningorabahizi mubikorwa byinguzanyo. Itsinda ryacu ryiyemeje gusubiza ibibazo byanyu, gusobanura ibibazo byinyungu zinyungu, amahitamo yinguzanyo, nibindi byinshi, kugirango mfate ibyemezo neza. Ubumenyi bwawe bwamafaranga nicyizere kuri twe.Inguzanyo Broker Vs Bank,Pennsylvania Mortgage Broker Cyangwa Utanga Inguzanyo,Igenzura ryanditse ryakazi, Twumva ko gutunga amazu ari ishoramari rikomeye, kandi ushaka kumenya neza ko uhitamo neza. Niyo mpamvu dutanga serivisi mbere yo kwemeza igushimisha. Ibikorwa byacu byabanje kwemezwa birihuta kandi byoroshye, biguha ishusho isobanutse yubushobozi bwawe bwo kuguza. Hamwe naya makuru mu ntoki, urashobora gushakisha byimazeyo isoko ryimitungo itimukanwa, uzi ko uri umuguzi ukomeye kandi wujuje ibyangombwa.

- 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: Hongkong, Afurika y'Epfo, Maleziya, Twama dukurikiza amahame yumurava, ubuziranenge, gukora neza, guhanga udushya. Hamwe nimyaka myinshi, twashizeho umubano wubucuruzi kandi uhamye hamwe nabakiriya kwisi yose. Twishimiye ikibazo icyo ari cyo cyose mubajije nibibazo byibicuruzwa byacu, kandi tuzi neza ko tuzatanga ibyo ushaka, nkuko duhora twemera ko kunyurwa kwacu ari intsinzi yacu.

-AAA Inguzanyo

Umuyobozi ushinzwe kugurisha yihangane cyane, twavuganye iminsi itatu mbere yuko dufata icyemezo cyo gufatanya, amaherezo, twishimiye ubu bufatanye!
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